Take Control of Your Finances

Malaysian’s step by step towards financial freedom

Hello! I'm Gracie

An IT enthusiast turned personal finance blogger - here to openly share my journey towards financial freedom from budgeting to investments to random thoughts.

Too Late To Start Financial Freedom Journey?

I get this a lot - from my friends, peers or co-workers whenever we talk about personal finance topic. There's a saying that goes like this:

"The best time to plant a tree was 20 years ago
The second best time is NOW"
- Ancient Chinese Proverb

This is especially true when it comes to personal finance. The earlier you start, the more time you have for compound interest to work in your favour to grow your money.

I was fortunate to have embraced the journey in my early 20's but it hasn't always been a smooth sailing journey. I have wasted at least 2-3 financial years in between when life decided to throw me upside down - and you can read more about it here.

I hope that by openly sharing my journey, it will help to inspire more Malaysians to start their own version of their financial freedom journey.

"Together, we shall grow!" Join me in the journey towards achieving financial freedom together!

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Favourite Money Quotes

  • An investment in knowledge pays the best interest.


  • Wealth is more often the result of a lifestyle of hard work, perseverance, planning, and, most of all, self-discipline.


  • My wealth has come from a combination of living in America, some lucky genes, and compound interest.


  • Rule #1 is never lose money.
    Rule #2 is never forget Rule #1.