KCLau’s Money Tips
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منشورات القناة
1. “The highest form of wealth is the ability to wake up every morning and say, 'I can do whatever I want today.'”
— Morgan Housel
| 2 |  ✈️ Want to fly Business Class for less money?
Many people waste their credit card points because they do not know the rules. I want to help you use them for luxury travel! Join my free 1-hour webinar.
What you will learn:
- How to earn miles much faster
- Simple math to get the best value
- How to find the best seats for your points
Choose your preferred session:
English Session
8 Sep 2026 (Tues) 10am
Register: https://us06web.zoom.us/webinar/register/4616207027858/WN_gTibDe2RS0-exb4uFfz7pw
Chinese Session
9 Sep 2026 (Wed) 10am
Register: https://us06web.zoom.us/webinar/register/4616207027858/WN_EvyyzR31S-KJ-1Cx4mAqMg
See you soon! 🛫 | 212 |
| 3 | “The ability to discipline yourself to delay gratification in the short term in order to enjoy greater rewards in the long term is the indispensable prerequisite for success.”
— Brian Tracy | 270 |
| 4 | “Focus on being productive instead of busy.”
— Tim Ferriss | 345 |
| 5 | “Risk comes from not knowing what you're doing.”
— Warren Buffett | 389 |
| 6 | “Don't judge each day by the harvest you reap but by the seeds that you plant.”
— Robert Louis Stevenson | 491 |
| 7 | 1. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”
— Ayn Rand | 597 |
| 8 | “The most important quality for an investor is temperament, not intellect.”
— Warren Buffett | 648 |
| 9 | “It is not the man who has too little, but the man who craves more, that is poor.”
— Seneca | 755 |
| 10 | “You must gain control over your money or the lack of it will forever control you.”
— Dave Ramsey | 729 |
| 11 |  Why do smart people make poor financial decisions? 🧠💸
I have seen it many times. People have the best tools and the best data, yet they still struggle. The truth is, our relationship with money is emotional, not just logical.
Our past experiences and what we learned as children drive our financial behavior today. If you want to grow your wealth, you must first understand your mind.
In this free webinar, I will show you how to identify these deep-seated beliefs and how to take control of your financial future.
Join us:
📅 1 Sep 2026
🕙 10.00AM (GMT+8)
🔗 Register now: https://us06web.zoom.us/webinar/register/4616207027858/WN_satcjBAkTYOaoF9O6PnSog | 767 |
| 12 | https://youtu.be/kazX1P95msw
We recorded this podcast in JB at Stanley’s big mansion. One of the best experiences is I got to play his grand piano 🎹 | 530 |
| 13 |  لا يوجد نص... | 520 |
| 14 |  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.
https://kclau.com/retirement/how-to-fund-your-childs-dreams-without-going-broke-in-retirement/ | 554 |
| 15 | Are you paying for too much insurance, or are you dangerously under-insured?
Most people I talk to fall into two camps:
1. They keep buying policies because an agent recommended it, but have no clear picture of their actual coverage.
2. They bought policies that have low premium efficiency, resulting in paying high premium for inadequate coverage.
To help solve this, I built a brand-new tool on my website: The Insurance Analyzer.
Here is what you can do with it:
📊 Calculate Exact Needs: Find out the actual coverage amount required for your family, liabilities, and income replacement.
🔍 Analyse Existing Policies: Spot hidden coverage gaps or unnecessary, expensive overlaps in your current portfolio.
💾 Save & Load Features: Save your inputs securely so you can come back and update your numbers anytime.
📄 Generate Clean Reports: Download a neat summary report with a single click.
💼 Built for Everyone: Perfect for managing your own personal finances OR for financial planners reviewing client portfolios.
🎁 100% Free: Completely free to use with no hidden paywalls.
Try it out and run your numbers today:
👉 https://kclau.com/insurance-analyzer
Let me know what you think or if you have any feedback after trying it out! | 712 |
| 16 |  Are you tired of watching your portfolio go up and down like a roller coaster? 🎢
Most investors get distracted by news headlines. They buy what is popular today and sell it when they get scared tomorrow. But John Huo, the Founder of VUCA, does things differently. He looks for quality first.
In our upcoming free webinar, John will share the strategies he used to write 'Malaysian Multibaggers'. He will show you how to find businesses that grow regardless of the economic cycle.
We will cover:
✅ The 5% Filter for elite stocks
✅ How to spot true business value in annual reports
✅ Why ROIC is the most important number for growth
✅ StockWyse research workflow secrets
Join us on 24 August 2026 and learn how to 10x your portfolio by doing less, but doing it better.
Register now:
https://us06web.zoom.us/webinar/register/4616207027858/WN_w-gsWvxvQqONAkPwOe7bhw | 622 |
| 17 | Share with u all something (especially for the Prodigious Accumulator of Wealth, PAW)… (mainly about life, and also $):
Today, one of my long customers for biz class flights informed me that her cancer cells had relapsed, and the dr told her it’s in Stage 4.
In the last 1 year, her life turned upside down. She’s
1) diagnosed with rectal cancer.
2) mom diagnosed with lung cancer.
3) husband divorce her, and today,
4) found out that her cancer relapsed and now in stage 4.
She’s in early 40s.
On a different case, one of my favourite teacher in my school is now on wheelchair. He’s about 70+. He can still travel with family, but have to be in wheelchair now. Also got cancer.
What I wanna share is:
1) Life is fragile. You don’t know when the end is coming.
2) While we shouldn’t spend $ recklessly (like the retirees who finishes his retirement fund in 21 days), I think the other extreme (spends too little during our lifetime) is also not optimal.
3) Instead of planning till our remaining years in this world (say till age 90 or 100), we should plan to spend more during our active years (say until age 75 or 80) when we’re still active and healthy, and lesser during our non-active/weak remaining years. No point wanting to spend lots of $ when we're 95 years old as we might be too weak to spend then.
4) Its not easy for Prodigious Accumulator of Wealth (PAW) to spend $. How to know if you're PAW ?
Basically, you're the frugal type (spend way below your means, or have high savings rate). Or you can calculate by taking your age, divide by 10, and multiply by your annual pre-tax income. If your networth is more than double that calculated amount, you're PAW. If your networth is less than half of that calculated amount, you're UAW (Under Accumulator of Wealth). Why is it not easy for PAWs to spend $ ? Because we need to be PAWs then only we can accumulate wealth. But once it is enough (or beyond that), its not easy to "switch" our mind to be spender. It requires a mindset shift.
5) I myself is a PAW, but i also realised that i have enough, and i can spend more on things that makes my closed ones happy. For example, i bought flowers for my wife recently. Almost everyone will think its a waste of money, but what i'm really buying is not flowers. Instead, i am buying to make her happy. To make her feel special. To make her feel loved. And for that, i think its worth it.
Also, i brought my wife to Au Jardin restaurant recently (cost nearly 200 plates of Char Koay Teow for both of us). Then again, i'm not paying for the food price. Rather, i'm paying for the experience, for me to date my wife in a nice place, to spend on the love of my life, and of course, to share those happy moments with her. And for all that, i think its worth it. (by the way, the food in Au Jardin is really good that they really do deserve 1 Michelin Star).
6) How to know how much you can spend at retirement (or whether you have enough to retire) ? Generally, it depends on a number of factors, namely (1) your age, (2) your networth, (3) annual expenses, (4) expected inflation rate, and (5) expected returns from your networth.
A simple guide is by taking your networth, and divide by your remaining active years, and then add a certain amount for your remaining years when you're no longer active/weak.
Another simple guide is by taking your networth, and then multiply by your expected returns after inflation.
7) The older we are, the more precious Time is to us (since our remaining time in this world gets lesser). Likewise, the higher our networth, the more precious Time is to us (in relation to money). Thus, we should value $ less in relation to Time or Health or Love as we aged and/or our networth increases. If we have more than enough, do shower our loved ones (and ourselves) with more $ (if it makes them/us happy). | 620 |
| 18 | Need your help choosing the cover for my next book! 📚
I am putting the finishing touches on my new book, Money Concepts: Essential Wisdom for Financial Freedom.
Before sending it to print, I want your input. Which of these 6 cover designs stands out to you the most?
Check out the design options uploaded above and cast your vote in the poll below! | 1 138 |
| 19 | Most of the money you'll make is in the future, which is why your rate of improvement matters more than your starting point. | 901 |
| 20 |  Paying High Premiums for Low Insurance Coverage?
It's time to address this sense of false security.
The first step is to know what insurance is, the type of policies and assess the amount of coverages you need to protect your family's finances:
Sign Up Now:
https://us06web.zoom.us/webinar/register/4616207027858/WN_VJ4lhSJPSCufoU0w9tF-Bg
Special Bonus:
All attendees will get an app to analyse insurance - can be used by insurance planner too | 663 |
