Set Yourself Free

This is a direct confrontation with the ideas of Rich Dad.

Rich Dad advocates getting rich from middle class, but Yap Ming Hui suggested a more conservative route via Money Optimisation, ie  a shift to the right from the Left Column Rat Race.

On the Left is the Money making Abilities.....   Right is the Money Optimisation Abilities

     High                      Rich                                            Wealthy
     Medium                 Middle Class                               Financially Free
     Low                        Poor                                            Self Sufficient



This is his Money Making/ Optimisation "quadrant"...

And his Optimisation Plan is pretty straight forward periodic reallocation of asset classes between :
 (1) Cash   : 20%
(2) Bonds : 30%
(3) Equities : 50%

He is an advocator of dolar cost averaging , so be in for along haul ( 5 years of more) to see results.

Many of the Retirement Visualisation charts are from his previous book "The Road Map to Financial Freedom.

But his new additions are :

(1) The Money Abilities / Optimaisation

(2) the Asset allocation model of 20:30:50 between cash / bonds/ equity

(3) The challenges to financial freedom : low income, competing wants, tempting spending habits, inflation, too many products, too many financials agents.

Conclusion : a middle speed train, no need to sleep in cars while optimising your money.

Many free financial tools can  be found at his website www.yapminghui.com