Yong Kiang is a scholar whom has many years of experience as a management consultant with Organisations such as Deloitte and the Ministry of Finance. He is a recognised expert in business transformations and has successfully delivered many complex transformational projects across government and private sectors and in multiple countries. He has honed his skills in money management through many years of experiences and knowledge gain from others. Throughout his lifetime, he have been exposed to many aspects related to money ranging from business, investment products(such as futures, stocks, preference shares, bonds, CDOs, structure deposits, unit trust), insurance, family planning(marriage, kid, house), tax to retirement planning. He has his fair share of ups and downs losing his entire savings at the age of 21 and subsequently earning a substantial amount from the market. Currently, his investments provide him with sufficient returns to cover his expenses and inflation.