Zhang Xiao Yan

Financial Services Consultant

My Personal Story

Growing up, I’ve been accustomed to money being a sensitive topic as earning power seems to have a correlation with an individual’s capability.

A common stereotype, however, I believe that avoiding money topics might cause you more harm than you have imagined.

Does it hurt to talk about money?  Yes, only when it hurts your pride. 

Like many other families, I grew up in an environment where the topic about money would be sparse and few. As a result, many of us lacked key fundamentals in handling money and if we cannot handle our money, we may become a slave to it. 

Financial literacy is the key to being successful.  

My parents worked hard and earnestly their whole life to provide for my brother and I, and I could not have asked for more. However, despite their hard work, our family continue to struggle financially.

There were moments where they had to pay for medical treatments that were not too serious and that’s when it dawned on me that we were extremely blessed. An already struggling family trying to make ends meet were able to avoid any major illnesses or accidents.

The logical side of me pondered if this bout of luck would ever last for long. They were entering their retirement years soon and they had no plans laid out. The sheer weight of their retirement care and future medical expenses fell onto my brother and I.

Whose fault would it be? The problem that was neither that my parents were not diligent nor were they incapable, but more of foresight to plan for the future. I truly believed that if they had communicated with any financial consultant at a younger age, things could have worked different.

So, does it still hurt to talk about money, or does it hurt more when you are struggling financially in reality without knowing how to improve the situation? 

Learning financial planning may not change your life immediately, but a small step will definitely improve your life in a long run. 

I am Xiaoyan, a financial consultant that shares financial knowledge with you and wants to create a positive impact in your life, are you ready to share your story with me?

Zhang Xiao Yan

Financial Services Consultant

My Personal Story

Growing up, I’ve been accustomed to money being a sensitive topic as earning power seems to have a correlation with an individual’s capability.

A common stereotype, however, I believe that avoiding money topics might cause you more harm than you have imagined.

Does it hurt to talk about money?  Yes, only when it hurts your pride.

Like many other families, I grew up in an environment where the topic about money would be sparse and few. As a result, many of us lacked key fundamentals in handling money and if we cannot handle our money, we may become a slave to it.

Financial literacy is the key to being successful.

My parents worked hard and earnestly their whole life to provide for my brother and I, and I could not have asked for more. However, despite their hard work, our family continue to struggle financially.

There were moments where they had to pay for medical treatments that were not too serious and that’s when it dawned on me that we were extremely blessed. An already struggling family trying to make ends meet were able to avoid any major illnesses or accidents.

The logical side of me pondered if this bout of luck would ever last for long. They were entering their retirement years soon and they had no plans laid out. The sheer weight of their retirement care and future medical expenses fell onto my brother and I.

Whose fault would it be? The problem that was neither that my parents were not diligent nor were they incapable, but more of foresight to plan for the future. I truly believed that if they had communicated with any financial consultant at a younger age, things could have worked different.

So, does it still hurt to talk about money, or does it hurt more when you are struggling financially in reality without knowing how to improve the situation?

Learning financial planning may not change your life immediately, but a small step will definitely improve your life in a long run.

I am Xiaoyan, a financial consultant that shares financial knowledge with you and wants to create a positive impact in your life, are you ready to share your story with me?