I received a query on debt management. Hi, Mr Lau, First of all, many thanks to you for giving me the free e-book. Its’ worth reading, cause I’m aware of unit trust investment now. As introductory, I’m female, age 33, working in a factory. I’m in debt, honestly. I’m in debt of personal loan, housing loan, credit card loan. However I’m also having passive income, if that’s correct to describe my monthly income from 3 acre land of kelapa sawit. But honestly I’m not a decision maker in financing. Would you please advise me on below problem; Debt ...