Do you want to know how hard your money is working for you? 

“What? Is there really such a thing? As in how hard your money is working for you, can you measure that?” These are some of the common remarks or questions I get from my students. So essentially, what you want to know is your Financial IQ. Just like your IQ = Intelligent Quotient and EQ = Emotional Quotient, 

What is Financial IQ?

Financial IQ is a term I created to measure how hard your money is working for you so that you don’t have to work so hard for money. Conventionally, to measure this, it feels like it will take forever, as you need to key in a lot of details. So, being inspired by Joey Yap and how he was able to know your wealth fortune, your luck and characteristics, all by just keying in your birthday to generate your Bazi – that’s why I decided to develop this calculator.

I didn’t learn money in school

You didn’t too? That’s weird isn’t it? We are expected to know how to use money, but we never learn this topic formally in school. School only teaches Math and science but not the math and science in money management.

We know how to spend => that’s learning from our parents, families and friends, but we never learn how to manage and grow it

But we do want our money to work hard for us, so we don’t have to work so hard, right? But how do you know “Is Your Money Working Hard?“

So I found this book – “The Millionaire Next Door” written by Professor Dr Thomas Stanley

He wanted to know how the typical American millionaires made their millions, their behavior => how they spend, invest and save

And he created a simple way to calculate just that and categorize individuals to for eg Prodigious Wealth Accumulator, Above Average Wealth Accumulators => very bombastic words, of course by a Professor mah

I took it and articulated the essence and simplified it to show that when you get your reading, it simply means

1. 100% – it means your money is working 1x (You earn and spend as it is)
2. 200% – it means your money is working 2x (You are good at working your money)
3. > 300% – it means your money is working 3x (You are excellent at growing your money)

That’s the good news. Here’s the not-so-good-news.  At every stage there will be different challenges you will encounter, for eg

1. 100% and below – you struggle to save money or are struggling to pay high-interest debts
2. >100% and below 200% – you struggle to invest and grow your assets
3. >200% and below 300% – you struggle to find investment with low or no taxation
4. >300% – you struggle to preserve your assets for your next of kin

So that’s why, when you do this 5-minute test, I can tell how hard your money is working for you & what help you need => to breakthrough to the next level. 

In case you are very concern you may get a low score => think of it this way “Since we didn’t learn money in school, we all start with Financial IQ = 0% isn’t it?”. So any number more than 0% is a good number right,?

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