Revealed on this page...

How ordinary people like you and me can

accumulate wealth through legitimate channels, even if you are not earning much to start with right now.

invest with a good return for a long-term, without getting involved in any get-rich-quick scheme or fancily sophisticated investment products.

acquire financial wisdom that allows you to live a better lifestyle and enjoy the moments with your family and the people you care, even if you are heavily in debt now.

Here's how you can Solve Your #1 Financial Problem with a Quick Solution always at Your Fingertips

If you've struggled to control your spending
If you've tried many investment schemes and yet to see your wealth grow
If you have credit card debts and find it difficult to cope
If you have difficulty choosing an insurance plan, unit trust funds, stocks, etc.

then you're about to learn what you've been longing for all your life.

Now imagine that instead of

signing up for RM5000 over-the-weekend course that might not be solving your exact problem…
Or Googling and found information that's probably outdated…
Or asking your friends who don't really know more than you,
and making zero progress month after month…

You just do a quick search on this site, and you immediately have a step-by-step solution from one of the renowned financial experts in our country. What would it be like, to have that guidance, always at your fingertips?

Why is this important to you? BECAUSE
Learning how to do this will change your life forever...

I struggled as a poor musician for years.
I also struggled as an insurance salesman because I have no passion for selling face-to-face because I am a total introvert. But during those years, I work hard to acquire financial knowledge and improve my capability.

Over the years, my incomes increase several folds. Meanwhile, the time I work is getting lesser and shorter. With more time, I can enjoy the passive incomes I make from my business, my properties and my stocks portfolio, to send my kid to private school and to take my family for overseas vacation several times each year.

All these are possible because I acquired this financial wisdom, which I had created an e-learning platform here for you to learn the same at your own pace, conveniently online, anytime, anywhere... and most importantly, getting the result by mastering your finances.

These organisations had invited me to speak on their events about personal finance and investment.

What the Wealthy Know (vs. everyone else)

The first thing that you need to know about accumulating wealth is how to maximise on these four areas:
1. Incomes
2. Expenses
3. Assets
4. Liabilities

We can sum up that the rich people know how to make a lot of money, and they can save and invest a big chunk of it, and still end up with plenty of money to spend on an admirable lifestyle.
They know how to acquire productive assets such as businesses, properties and even their networks and capability. Furthermore, they don’t shy away from incurring massive debts to do so.

I used to make all these stupid money mistakes

Before I figured this out, my life looked completely different.
Back when I was studying in UTM, the first study loan I received from JPA during my 3rd year of studying the degree is about RM5000. Guess what I spent on immediately?
I purchased my first full-size 88-keys keyboard - KORG SGProX. It cost RM4800. So I was left with almost nothing.

During my first year of being a professional musician, there was a time that I wanted to join a group of friends to Pulau Redang. But I don’t have enough money to pay for the trip. So I asked my manager who hired me to play the piano regularly at the Johor Bahru Hyatt Hotel at that time to give me advance.
I was spending my future money for some leisure trip.

Whenever I have some money, I would spend it on some musical gears or instruments. Most of the time, I don’t have much money in my bank account.

This situation persists for years. At that time, it was so easy to get a credit card. I was offered one because I have a bachelor degree, and no income proof was required.

Luckily, I didn’t have the bad habit of spending on thing I couldn’t afford, with my credit cards. But a lot of people don’t have that discipline. I had some friends who ended up with a few credit cards limit used up to the maximum.

How to Earn Your First Pot of Gold?

I was thinking then, how could I get the first pot of gold if the situation keeps carrying on like that?

And if you’ve ever felt like this as well, there’s a reason.

Managing money wasn’t taught to any of us. We’re not offered a class called “Financial Knowledge 101” at school. If your parents didn’t show you anything on this matter, or if they had their personal financial problem, and the worst is if they taught you the wrong things about money coming from a poor-mindset, then who is going to show you the right stuff?

Many people learnt through the hard way by making the money mistake themselves.
So don’t be hard on yourself, because this isn’t common knowledge.

So I had a choice.

Either I had to figure out the way how people get rich, or I just accept the fact and stay poor forever.

So I decided to look for solutions… and I found something that would change my life forever...

I discovered the SECRET (Common Sense that 99% Ignored)

I discovered the concept of being financially literate, meaning having a high Financial IQ. You can call it high FQ or whatever. The rich think differently about money. With a different mindset, they have different actions, and they get a much better result, and can build wealth over the long-term.

I realised that I could learn this financial knowledge, and essentially I could have rich people’s mindset, so I can accumulate wealth like how they do it.

So I bought every book on personal finance I could find, and I got involved in the financial industry by being a financial products salesperson, starting from insurance, then unit trust, then Will writing, finally I got the RFP qualification. But that’s just scratching the surface.

I learned most of the secrets through mingling with the wealthier people.
How they look at wealth is represented in this simple illustration. Managing wealth cover these four major areas. We can use a car with four wheels to describe the four areas.

Incomes, Expenses, Assets and Liabilities.

To get the car to run fast and stable, you need all four wheels to run smoothly, just like an All-Wheel-Drive vehicle. The rich take good care of each wheel to ensure they will reach the destination called financial success.

Once I learned this, everything changed…

Then I started to see my money grow. I accumulate assets like properties and good companies’ stocks and see my net worth increases every year. I am no longer afraid to borrow money at a low rate and leverage up my investment portfolio. Many people say it is risky to invest with borrowed money. But all the wealthy people I know owe a lot of money, especially to the banks.

It also changed the way I build my business. Instead of freelancing, and selling face-to-face, I structure a lifestyle business that can scale, easy to maintain and could possibly make money for many years to come even when I work less and less each year.

My life would never be the same again, and once you acquire this knowledge, the same will be true for you.
So what’s the secret?
How can you start to think like rich people?
What kind of financial knowledge do you need?

From a Broke Musician to Living a Freedom Lifestyle, it is all HERE...

Obviously. Learning this is what allowed me to go from a broke musician to living a freedom lifestyle. My family expenses increase many times faster than the rate of inflation because I am living in the USA now and go vacation almost every month. But rest assured that I accumulate more assets and make more incomes in the process to allow that to happen.

However, this doesn’t happen overnight.
The bottom line is that you cannot skip the process.

If you want to become a lawyer, you have to go through law school. If you're going to accumulate massive wealth, you have to learn how to invest profitably, by hoarding great income-generating assets like stocks and properties and cut away additional liabilities that bleed money.

How to Cut Your Learning Time to Acquire this Knowledge and Skills, from 20 years down to 1 year or Less

But 20 years is a long time, and I don’t want you to go through all these times I used to learn to acquire all this knowledge. Well, what if I walked you through the most crucial money skills I identified over the years?

And what if we could shorten your learning curve down from 20 years to just one year, or only a few months?

Well, today you are going to get that opportunity.
So here’s how we’re going to do that…

Say Goodbye to Money Ignorance, and Welcome to the one and only NETFLIX of Financial Training on Demand -
Premium Webinar Membership (PWM)

Since 2012, I had been hosting weekly online training without fail, to provide financial literacy programs to the Malaysian public. Every single session is recorded and put up on my website at KCLau.com/webinar.

You can visit that page to check out all the past webinars I had done, featuring almost all of the financial experts in our country. We train subjects like stocks investment, property investment, cryptocurrency, gold and silver, debt management, tax planning, unit trust, and much more,
covering everything from increasing your incomes, cutting your expenses to maximising your assets and liabilities.

There are hundreds of hours of financial training complete with video streaming, video and audio downloads, spreadsheets, worksheets and PDF slides and notes.

The program is called “Premium Webinar Membership (PWM)”.

How it Works and Why You Can Absolutely Improve Your Finances with 100% Certainty

As one of the paid members, you will have unlimited access to the members' area, meaning that you can pick and learn from any of the recorded training, anytime, anywhere.

We know that going through hundreds of hours of training is overwhelming. In fact, you shouldn’t even try to watch everything.
We had compiled the collection of the best training identified and put it in the SMART START GUIDE.

So by the time you are done even with the very first few selected training, you’ll be financially much smarter than the majority of people.

And…if you act fast, you can trial run the program for 3 days, free of charge, but we’ll get more into that in a minute.

How You Can Learn all these Money Tips Systematically using the PWM Personal Finance Workbook

To assist you in your learning journey, we wish to hold your hand along the way. You can systematically learn using the PWM Personal Finance Workbook.

If you learn to do everything outlined in the workbook, we guarantee that you will see positive results in your finances.

So if you’re tired of living paycheck to paycheck and you want to take control of your financial destiny…

And if you're going to acquire the ability to make more money, accumulate more assets and retire early, without going through the long process of learning every detail through trial and error, and making mistakes after mistakes, then this program is specifically for you.

So here’s how it’s going to work… let me walk you through, some of the best and mind-boggling training put up in the Premium Webinar Membership’s area:

Alright… So I've shown you the way that you can absolutely accumulate wealth and enjoy financial success, even if you started with nothing.

You've seen that it's possible to look at your money grows for the long-term, and you can be the hero in your family's eyes by bringing them along on this journey toward financial success.

And you've also seen that there are many strategies and tactics to make more passive income, invest safely and profitably, and retire early if you want, without the need to sacrifice your health or the time you can spend with your family.

So if you're ready to acquire the ability to accumulate wealth and see it grows, and change your life forever in the process, here's how you can sign up for the training.

All the video lessons are already waiting for you in the private members' area so you can get started today.
Your only job is to go through the training, follow along and implement those strategies in your life and see the positive impacts unfold in your future.
By the time you go through the very first few lessons I highlighted, you should have a clear idea of how to implement those plans and get better each day.
What about the price?

The value for the Premium Webinar Membership is easily worth over RM100,000.
If that sounds expensive, keep this in mind…
✅ One investment mistake avoided, that could save you RM10,000
✅ One passive income stream created, you own it for life, possibly RM500/month
✅ One idea that reduces RM1800 taxes a year, you gain that every single year, for the rest of your working life!
✅ One stock investment worth keeping for the long term, you have a double-digit return that can fund your retirement, for decades.
✅ One under-valued property you find could be RM50,000 profit made instantly.

Furthermore, it would cost you easily more than RM5000 to attend a financial workshop conducted over a short weekend. PWM provides you with the training material of easily 20 times more than what you can get for a weekend workshop, for just a small fraction of that amount.

And whatever you learn, you own this incredibly valuable knowledge forever. Plus, you get to do unlimited replay or revisions!

But the fact that you're still here reading this means you're actually serious about the success of your finances, so here's what I'm going to do….

My biggest thrill in life is getting letters from students like you who have gone through our work, and who have used it to change their lives.
---
So If you're eager to invest in yourself today, I'm willing to invest in you.
How about I give you full lifetime access with one time payment only?

But wait... I would let you try out EVERYTHING, without risking a sen!

To put that into perspective, you just saw a series of financial training I highlighted just now. Each one of the training has the potential of making you thousands of ringgits of extra profit or save many financial mistakes that would cost even more.

So would you invest some times to acquire this knowledge today? I hope so…

I want to make this a completely safe decision for you, without any risk whatsoever.

So I'm also going to give you refund GUARANTEE.

This is a Lifetime Membership. There will be no further payment required in the future. You will continue to enjoy the extensive training we put up each week. As long as I am still pursuing this mission to educate Malaysia public on financial literacy, you get lifetime access!

In other words, you will get continuous training and updates for life.

I want you to click the JOIN button right now to join and when you do that, a fully secured checkout page will pop-up in a new window. Enter your payment details there.

After that, you'll receive your login details in a few minutes through email. So make sure your email address is correct.
And that's it.

Watch the welcome video to get started and follow along with the Smart Start Guide.

Alright… So to recap… When you join the Premium Webinar Membership today…
You're officially committing to a better financial future, with full access to the hundred hours of invaluable financial training archive I recorded since 2012, and keep adding new ones each week. Yes, you will learn various money strategies and tactics taught by the best trainers I can find in our country.

All you need to do at this point is click the JOIN button and go through the payment processing, and you'll get instant access to the PWM's area. If you change your mind at any point, you have my guarantee to back you up.

So, at this point, you've seen that it's possible to make more money, save money efficiently, accumulate wealth and retire early in Malaysia, even if you don't have much to start with, or even in substantial debt now.

And it's obvious that the PWM training archive will show you tonnes of money tips that' worth much more than the enrollment fee.

So I'd like to invite you one last time to participate in this priceless financial literacy program, so you can start to improve your finances, and change your life in the process.

When you join now, you are going to get access to hundreds of financial training videos and notes in the next minutes.

You get my 30-day, 100% money-back guarantee so you can go through the entire program without any risk whatsoever for full 30 days.

This is a one-time payment membership. You will get lifetime access to the content put up on this website: https://KCLau.com/webinar, as long as we are still in business to provide financial education. Your PWM access will cover all future updates put up on this website.

I've made sure this is an entirely safe decision for you to make, without any risk whatsoever, so click the link to get started.

I'm looking forward to helping you build financial security and achieve financial freedom.