I Want to Feel More in Control of My Money

Money isn’t just numbers on a spreadsheet—it’s emotional. From excitement to anxiety, our relationship with money influences every financial decision we make. Before diving into strategies and plans, it’s important to understand the deeper feelings that drive your choices.

The way we think about money often starts long before we earn our first pay cheque. Family values, cultural expectations, and societal norms all play a huge role in shaping our financial mindset. By recognising these influences, you can decide which beliefs to keep and which ones to leave behind.

Are your financial goals truly yours, or are they shaped by what everyone around you is doing? Social norms can be powerful, making it easy to fall into the trap of chasing success as others define it. This chapter helps you cut through the noise and focus on what actually matters to you.

Owning a home is often seen as the ultimate financial milestone—especially in Hong Kong. But is buying property always the right decision, or is it just something people feel pressured into? Here, we break down the realities of homeownership, the myths surrounding it, and whether it fits into your version of success.

Many people grow up believing there’s never enough money, or that financial security means playing it safe. These ideas can hold you back more than you realise. By shifting your mindset from scarcity to growth, you open up new opportunities to build wealth and confidence in your financial future.

Financial stress often comes from uncertainty—when you don’t feel in control, money can feel overwhelming. The good news? Understanding the basics of personal finance doesn’t have to be complicated. With the right knowledge, you can approach financial decisions with clarity and confidence.

Good financial decisions aren’t just about numbers—they should reflect your values and priorities. Whether it’s budgeting, saving, investing, or spending more mindfully, this chapter gives you the tools to take action in a way that aligns with the life you want to live.

There’s no universal path to financial success—only the one that’s right for you. This final chapter encourages you to embrace your own journey, make choices that align with your goals, and feel confident in the financial future you’re building.