About Rachel

At 21, I lost my dad over heart attack. Suddenly, this literature student who once said "I don't hate numbers, but numbers hate me" had to become the family breadwinner overnight.

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The financial trauma and mistakes that followed were... educational. I went the painful route to learn money management, making every mistake you can imagine. But I don't want that for you.​

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Growing up in Malaysia's Chinese education system while studying English Literature gave me a unique perspective – Eastern pragmatism meets Western expressiveness. When life forced me to face financial reality, this duality became my strength.

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Today, as a CERTIFIED FINANCIAL PLANNER™ pursuing my Master's in Personal Financial Management, I turn my pain into passion. I understand the shame of not knowing, the overwhelm of conflicting advice, because I've been there.

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My strength? Breaking down complex money concepts into approachable conversations. I'm also a published author of "You're Not Bad with Money" and a swing dancer who believes money should buy you freedom, not stress.

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From dreamer to breadwinner to helping others find their financial confidence – that's my journey.

Ready to start yours?