Stay in the Game: Real Risk Management After 50
1 min readOne morning on the basketball court, I jumped to block a shot and landed right on my opponent's foot. My ankle booked the first loss of the day.
The Government Wants to Restrict Your EPF Withdrawals? Don’t Get Mad Yet—Figure Out What You Should Actually Be Worried About
Why the New Monthly EPF Payout Proposal Sparked a National Uproar Recently, under the 13th Malaysia Plan, the government floated a potential policy shift: future EPF members might receive their retirement
She Caught Scammers for 30 Years as a Bank Manager. Then She Lost RM4.5 Million to One.
Do you honestly think you can never be scammed? Be truthful with yourself. Most people I speak to—especially those who have spent 10 or 15 years reading financial statements, trading equities
Rich Man, Poor Soul: How to Spend Money and Time Without Feeling Hollow
You Traded Your Kancil for a Benz, So Why Aren’t You Smiling? Have you ever experienced this peculiar moment? You wake up on a Tuesday morning, check your online banking app, and
How to Fund Your Child’s Dreams Without Going Broke in Retirement
A mother once reached out to me, in tears. Her son was on the verge of being expelled from a prestigious university in the UK because they could no longer afford the tuition fees. To keep him in school, she had done everything a loving parent thought she was supposed to do. She scraped together every ringgit of her personal savings, maxed out her credit lines, and even remortgaged the family home in Petaling Jaya. Now, completely out of options and running on financial fumes, she looked asked: "KCLau, do you know where else I can borrow money? I don't care how high the interest rate is." My heart sank. As a father myself, I completely understood her emotion. When it comes to our children, we Malaysian parents want to give them the world. We want them to have the opportunities, degrees, and head starts that we never had. Her love for her child was 100% genuine, beautiful, and unquestionable. Her financial plan, however, was a total disaster.
I Almost Paid a Stranger’s Debt in Nagoya: The Price of Invisible Fences in Business and Life
By KCLau Fresh off the plane at Nagoya’s Central Japan International Airport, I was greeted not by pristine cherry blossoms or sleek bullet trains, but by a sky that decided to
The Day the Payslip Dies: Post-50 Cash Flow Strategies
"You cannot buy a plate of char kway teow with a brick from your Petaling Jaya living room wall." Many Malaysians retire "paper rich" but cash-poor, clutching onto "bleeding assets" that siphon money out of their pockets through taxes and maintenance. Net worth looks great on paper, but cash flow is how you actually survive. If you are over 50 (or planning ahead), it’s time to stop worrying about running out of money and start building a recurring stream of income. Discover how to play your three greatest aces—Time, Experience, and Capital—and master the simple financial framework that beats inflation every single time.
EPF vs Dividend Stocks:Which is a More Suitable Investment?
If EPF historically offered more or less 5-6% a year, why invest in dividend stocks? It is a simple and valid question. The answer, however, is not as straightforward as Yes or
We Broke Two Bikes in Napa Valley, But Why Do I Still Want to Give Them 5 Stars?
Picture this: You are standing in the middle of California’s prestigious Napa Valley. The sun is beating down like a midday afternoon in Petaling Jaya, the temperature is pushing past