The Financial Health Insights - Reduce Money Stress, Live Well Today & Tomorrow

This is an unusual episode.You have to listen in to understand what is so unusual about this. I have no answer to how this unusual-ness happens too, but I guess I have to take it as it is and focus on what is within my control. That's why, this episode that is released is like this =)By the way, if you have any questions, or feel like chatting with someone; always feel free to reach out to me ok?

In this episode of the Financial Health Insights Podcast, host Kevin Neoh discusses the importance of using money as a tool to enhance our quality of life rather than as a measure of success. We will also spend time discussing how emotional connections we have with money, the impact of social comparison, and the need to shift our mindset towards financial well-being. Through real-life stories and practical advice, Kevin shares some ideas and framework to support listeners to redefine their relationship with money, improve their satisfaction across different areas in life, so that we can focus on living in the present while building a healthy financial future.Chapters00:00 Redefining Financial Success03:08 The Emotional Connection to Money10:10 Our Conditioning On Money13:54 Case Study18:27 Finding Your True Happiness Beyond Bank Account19:51 Assessing Your Relationship with Money22:16 Assessing Your Life Satisfaction Level 24:44 The Present In Life26:42 5 Pillars of True Financial Well-Being28:33 Wrap up

Ever wonder why you behave a certain way with money, even when it doesn’t always make sense?In this episode of The Financial Health Insights, Kevin explores the powerful concept of money scripts—the subconscious beliefs we form about money, often in childhood, that quietly shape how we earn, spend, save, and stress about finances.We will learn about:What money scripts are and how they’re fromThe 4 most common types of money scriptsHow money script influences our income, spending, savings, and debtIdeas to support ourselves according to our dominant money scriptResources:Find out Your Money Scripts - Klontz Money Scripts TestChapters00:00 Introduction05:13 What is money script?13:22 The 4 Money Script Category28:53 Impact of Money Script on Our Financial Health31:52 Find out your Money Script34:40 How to bring more awareness to our money script?38:30 Wrap up

💬 Episode Summary:Most people think building wealth is about getting high returns fast. But what if the real difference making factor is how much you save — not how fast your money grows?In this episode, host and Certified Financial Coach Kevin Neoh unpacks why your savings rate matters more than your investment return rate, especially when you're just getting started or managing limited resources. This episdoe also look into 5 ways to build a savings habit that can sticks, and why protecting our savings is just as important as growing them.Whether you’re new to saving or trying to reset your financial habits, this episode will give you the clarity and tools to take control of your financial future one step at a time.🎯 Challenge of the Week:✅ Set a savings target✅ Automate your transfer✅ Label it with meaning✅ Track how it makes you feel over 30 daysTag @kevinkmneoh on Instagram to share your progress!💬 Connect with Kevin:Loved this episode? Share it with a friend who’s always chasing the “best return”, they might discover a differet path to financial freedom without costing them their peace of mind.Questions or feedback? Reach out anytime HEREChapters00:00 Introduction to Financial Health02:03 The Importance of Savings Rate05:47 Control Over Financial Decisions09:00 Automating Savings for Success10:33 Separate Your Money / Account11:30 Name your savings13:32 Prepare a Simple Spending Plan15:50 Start small is the new start big18:41 Protecting Your Savings21:03 Health and Financial Wellbeing24:16 Building a Strong Financial Foundation26:58 Your Home Work27:58 Wrap up

In Part 3 of our net worth series, Kevin invites you to rethink what your net worth is really for. With the help of a toy fruit basket analogy, this episode unpacks how to use your net worth not as a score to chase, but as a tool to support a meaningful life.Because having RM200K or RM500K, or RM 1mil is never the full story. What matters is:💬 “Does this support the life I truly want to live?”ResourcesPart 1 - Master the Basics, Grow Your Net Worth: Spotify | Apple Podcast Part 2- Is My Net Worth Normal?: Spotify | Apple Podcast Chapters00:00 Understanding Your Financial Basket03:34 The Purpose Behind Your Net Worth04:43 What are your non-negotiables?07:34 Financial Life Planning: Defining Your Values10:06 Tracy12:24 Making major decision13:04 Adrian14:36 Money first, or Life first?17:13 Taking Action: Steps to Align Your Finances20:02 Wrap up

In Part 2 of our net worth series, we go beyond the basics to answer one of the most common but emotionally loaded questions about Net Worth:“Is my net worth normal?”Kevin unpacks why this question often leads us down the wrong path, and what we should ask instead. You’ll learn how to measure progress "the right way", calculate your own net worth growth, and discover how simple, steady habits can move you forward (even without flashy income or big wins). 🧭 Your Action Steps This Month:Calculate your net worthSet a simple growth target (e.g. 10% or RM10k)Make your money habits work toward a life you actually want🎧 Tune in now to learn:How to stop comparing, start tracking, and grow your money to serve the life you love.Resources:Episode Mastering The Basics, Grow Your Net Worth ⁠Spotify ⁠| ⁠Apple Podcast⁠⁠Net Worth TemplateChapters:00:00 Introduction to Financial Health01:38 The Dangers of Comparison in Financial Health06:01 How to Tell If Your Net Worth is Growing11:08 Practical Examples of Net Worth Growth19:00 Why Grow Your Net Worth?22:47 How to Enjoy Your Relationship with Money25:26 Next: Follow This Simple Steps

📌 Episode Summary:In a world obsessed with flashy success, this episode brings us back to something powerful — the basics. Inspired by a story about Kobe Bryant’s legendary 4AM workouts, Kevin reflects on what it means to master the foundations of financial health.💡 In this episode, listener will learn aboutWhy income, property, or lifestyle don’t always reflect financial strength;The one true indicator that shows if you’re making progress (or not);Five “Kobe-style” basics that build real financial freedom;The invisible wins that make the biggest difference over time;👟 This is your 4AM footwork session — not glamorous, but transformative.🧰 We also have some 'homework' from thsi episode, and here's your 3 Next Moves:Track your net worth (even if it’s small)Give every ringgit a jobProtect your progress with a buffer and basic insurance🎧 Tune in and rethink what financial strength really looks like.Resources:Episode Give Every Ringgit A Job: Spotify | Apple PodcastNet Worth TemplateChapters00:00 Introduction to Financial Health Insights06:58 Understanding Net Worth11:46 Five Basic Financial Moves25:41 The Importance of Consistency in Basics30:39 Conclusion and Key Takeaways

"What if retirement wasn’t the ultimate goal?"In this final part of this series, host Kevin Neoh introduce this interesting reframe.He also discussed more on designing a life that’s so meaningful, energising, and aligned with our values… that we don’t feel the need to “retire” from it. This episode covers:Why discovering your core values matters more than setting goalsHow to create a life of freedom and purpose now, not just at 60The difference between escaping a job vs. designing a fulfilling lifeHow financial planning supports a life you love — not just your retirement planThis episode invites you to pause, reflect, and ask this question:"What would it look like to live intentionally from today".🎧 Listen now and take your first step toward a life you won’t want to retire from.🎁 Click here to get the free workbook to reflect and set up your happier, healthier, and wealthier life.Resources:Personal Values Assessment ToolRethinking Retirement Part1: ⁠Spotify⁠ | ⁠Apple Podcast⁠Rethinking Retirement Part 2: ⁠Spotify⁠ | ⁠Apple PodcastRethinking Retirement Part 3: ⁠⁠Spotify⁠⁠ | ⁠⁠Apple Podcast⁠Chapters00:00 Introduction to Financial Health Insights01:41 Rethinking Retirement: A New Perspective03:34 Dreamed Vacation, Anyone?06:14 The Desire for Freedom and Fulfillment09:29 Real Story on Retiring Early or Live Better Now12:05 Understanding Core Values and Life Design13:34 Core Values ---> Ideal Life18:02 Example: My Core Values19:37 Questions that Guide Design Your Ideal Life21:47 How finding out ideal life now can help us23:25 A Tool that Helps Uncover Our Core Values27:38 Intentional Living TODAY31:21 3 Simple Questions To Check with Self36:31 Gift - for a Happier, Healthier and Wealthier Life

🧠 Episode Overview:We may be living longer — but how long are we staying well?In this episode, Kevin explores the crucial difference between lifespan and healthspan, and why this distinction changes how we should think about retirement, money, and meaning after 60.From the personal and financial toll of a health crisis (like stroke or long-term disability) to how many retirees hold back on enjoying life due to fear or guilt . This episode dives into why good retirement planning must go beyond numbers.Resources:Rethinking Retirement Part1: Spotify | Apple PodcastRethinking Retirement Part 2: Spotify | Apple PodcastChapters00:00 Introduction to Rethinking Retirement00:20 Lifespan vs. Healthspan: Understanding the Difference04:18 Important of Quality Healthspan06:29 The Impact of Major Health Events on Retirement08:59 The Importance of Life Planning Beyond Finances13:24 Overcoming Fear and Guilt in Retirement Spending14:57 Redefining Identity and Purpose in Retirement20:14 The Dangers of Too Much Rest and Social Isolation24:34 Adapting to a Multi-Stage Life26:05 Ideas to adapt to Multi-stage life36:04 Wrap-up: It Matters to Live Well Today

As Malaysia debates raising the retirement age to 65, many worry this will reduce opportunities for younger generations. But is this belief rooted in truth or an outdated assumption?In this episode, Kevin Neoh breaks down the real issues behind this generational tension. We explore how jobs are evolving, why the “lump of labour” idea doesn’t hold up, and how Artificial Intelligence (AI), but not older workers, are transforming the job landscape.You’ll also learn how unexamined beliefs can quietly shape our views on aging, work, and retirement. And why now is the time to rethink not just when we retire, but how we work and contribute across all stages of life.Reach out to Kevin here to discuss about your retirememnt readiness, and how you can build a healthier relationship with your money while you work on attaining Financial Freedom.Resources:Spotify: Rethinking Retirement Part 1 - Is 60 still the Finish Line?Apple Podcast: Rethinking Retirement Part 1 - Is 60 still the Finish Line?

In this episode, host Kevin Neoh explores a timely question — should retirement still be at age 60, or extend to 65 year-old, or another number?With Malaysians living longer and carrying more financial responsibilities into later life, it’s time to rethink what retirement really means. We take a deep dive to look at how the concept of Retirement has evolve over the years, and whether life model of “study, work, save, retire," is still a practical model for us. You will also understand more about Malaysia’s life expectancy data, EPF savings benchmarks, and the three stages of retirement: Go-Go, Slow-Go, and No-Go, and this thing call Multi-stage Life; all these will help you to have a better conclusion on whether 60 year-old is still the fininshing line?Tune in and discover why designing your retirement should start with your values, not just a number.Reach out to Kevin here to discuss about your retirememnt readiness, and how you can build a healthier relationship with your money while you work on attaining Financial Freedom.Chapters00:00 Introduction02:30 Let's talk about Retirement Age03:47 The Life Model We Were Told to Follow08:56 The Risks of Delaying Enjoyment in Life14:05 Historical Context of Retirement Age19:00 How Retirement Landscape Has Been Shifting on Us19:41 How many years of life after 60?26:39 Understanding Retirement Needs and Financial Planning34:11 The Multi-Stage Life38:21 Wrap-up40:08 Looking Ahead: Designing a Life Beyond Retirement

In Part 2 of this special two-part series, Kevin dives into the topic of financial stability — what it really means, why it’s often misunderstood, and how a lack of it quietly drives financial stress, anxiety, and inaction.This episode unpacks the relationship between stability and stress, especially for working professionals juggling multiple roles and responsibilities. You’ll also learn a 5-step framework to help you assess, build, and protect your own financial stability — no matter where you're starting from.Plus, Kevin introduces a simple but powerful mindful spending tool to help you realign your day-to-day money choices with what matters most in your life.Resources: Spotify: The Hidden Force Behind Our Money StrugglesApple Podcast: The Hidden Force Behind Our Money StrugglesSpotify: How to Use Brain Science to Build Momentum and ConfidenceApple Podcast: How to Use Brain Science to Build Momentum and ConfidenceGet a Copy of the Mindful Spending Tool HereWant to work on improving your financial stability or setting up your Financial Prosperity System? Let's have a chat.

Overview:You’ve read the books, watched the videos, attended the talks — and yet, your money habits still feel stuck. Why? In this powerful episode, host Kevin Neoh shared with listeners what really gets in the way of our financial progress — even when we “know better.”Based on a live talk segment, this episode dives into the emotional, psychological, and neurological blocks that drive money decisions. You’ll also discover why knowledge alone isn’t enough, and how our past beliefs, guilt, fear, and even brain wiring contribute to the knowing-doing gap.🧠 What You’ll Learn:✅ Why financial literacy doesn’t always lead to action✅ The neuroscience behind our spending and saving habits✅ How your beliefs shape your financial behavior✅ Why guilt, fear, and emotion override logic✅ How to start rewriting your money story — without shameResources:Spotify: How to use Brain Science to Build Momentum with Coach KarryApple Podcast: How to use Brain Science to Build Momentum with Coach Karry📥 Download the BELIEF Framework Worksheet here.💬 Want to work on your money story with a Certified Financial Coach? Get in touch here.🎧 Coming Up Next:In Part 2 of this talk, we explore financial stability as a foundation for growth — including a 5-step stability framework and a mindful spending tool to help you move from stress to strength.Chapters00:00 Introduction to Financial Health Insights01:30 Understanding Financial Literacy and Action03:24 The Role of the Brain in Financial Decisions07:42 Aligning Actions with Intentions10:15 It's not because we are not smart enough14:24 Does improved Financial Literacy contribute to better financial health?18:56 The Big Picture of Financial Planning20:40 Defining Financial Literacy21:24 Psychology of Money23:19 The Hidden Forces behind our Money Relationship30:20 Re-writing our Money Beliefs31:18 The Money BELIEFS Reset Framework31:50 Wrap up

Have you ever wondered why small steps are very crucial for our success, as compared to planning big or wait until we can "start big".In this episode of The Financial Health Insights, host Kevin sits down with  Brain Health Coach Karishma Valliappan (Brain by Karry) for a deeply engaging conversation about motivation, neuroplasticity, and the emotional side of money habits.Together, they unpack why we procrastinate, how fear and overwhelm hijack our decision-making, and how even a small win—like saving RM50—can kickstart powerful change. Whether you're struggling to stay consistent or trying to rebuild financial confidence, this episode will help you understand yourself better and offer brain-friendly ways to create momentum that lasts.🧠 What You’ll Learn:Why your emotional brain often overrides logic when it comes to moneyHow dopamine, neuroplasticity, and small wins help build sustainable habitsThe deeper cost of breaking self-promises—and how to rebuild trust with yourselfHow automation, journaling, and self-reflection support long-term changeThe difference between consistency and intensity—and why both matter in habit-buildingHow identity, comparison, and societal narratives can unconsciously sabotage financial progress🛠️ Resources Mentioned:⁠Spotify: I know what to do, so why am I still not doing it?⁠⁠Apple Podcast: I know what to do, so why am I still not doing it?⁠⁠📚 Atomic Habits by James Clear⁠⁠🧘‍♀️ Journaling & meditation as brain tools⁠⁠🎧 The Diary of a CEO podcast by Steven Bartlett⁠⁠💡 Spiritual teacher: Master Sri Akarshana⁠⁠📩 Write a Letter to Your Future Self⁠🔗 Follow Karry (Brain by Karry):⁠Instagram⁠⁠LinkedIn⁠⁠TikTok⁠Chapters00:00 Introduction to Financial Health and Guest Introduction03:51 Understanding Brain Health and Its Importance10:49 Overcoming Procrastination: The Role of Fear16:06 Strategies to Regain Control Over Procrastination18:07 The Role of Dopamine in Motivation20:33 Celebrating Small Wins in Financial Health30:54 Consistency vs. Intensity in Achieving Goals35:41 Automating Routines for Better Habits41:09 Building Trust with Yourself47:52 Identity and Change01:00:11 The Role of Self-Compassion01:03:06 Journaling and Manifestation

In this episode of Financial Health Insights, host Kevin Neoh explores the reasons behind the gap between knowing what to do financially and actually doing it. He discusses the stages of change in behavior, identifies common barriers that prevent individuals from taking action, and emphasizes the importance of understanding subconscious beliefs that influence financial decisions. The episode concludes with practical steps listeners can take to initiate change and improve their financial health.oIf you have any questions or enquiries, send to kevin@nextgenadvisors.myResources:Spotify: Give Every Ringgit A JobApple Podcast: Give Every Ringgit A Job

In this episode of The Financial Health Insights, Kevin shares a recording from one of his signature webinars, “The Key to Good Financial Health.” This is an episode that examines good Financial Health in a comprehensive manner, exploring its various dimensions, including financial stability, resilience, and the impact of money beliefs. The session also highlights key indicators of financial health and offers practical strategies for improving one's financial situation.Whether you’re just starting to take charge of your finances or you’ve been trying to improve your money habits for a while, this session is packed with practical insights to help you build clarity, confidence, and long-term stability.This episode reminds us that good financial health isn’t about perfection, but it’s about progress, alignment, and preparation.🎧 Tune in and reflect on what financial health means to you, and what one small step you can take this week to move forward.Chapters00:00 Introduction and Setting the Stage07:13 Understanding Good Financial Health11:28 The Importance of Financial Health16:12 Key Building Blocks of Financial Health24:59 Building Financial Stability31:19 Managing Debt Responsibly34:39 Building Financial Resilience40:38 Planning for the Future48:19 Improving Financial Health56:27 Understanding Financial Indicators01:01:17 Comprehensive Financial Planning

One Year, 53 Episodes, and What Life Keeps Teaching MeThis week marks one year of The Financial Health Insights—and in this heartfelt, unscripted episode, Kevin reflects on the journey so far.What started as a podcast about reducing money stress has evolved into a series of conversations about navigating life itself—uncertainty, growth, fear, and finding presence through planning and preparation.💡 In this episode:Lessons Kevin learns from hosting this podcastA father’s moving comment about parenting a child with ASDWhat the Putra Heights fire reminds us about YOLO vs YAGOWhy you can ignore planning but focus on preparation.Market dips due to tariff war tension—and how to respond mindfullyThe Invisible Gorilla experiment (and what we often miss)Thank you for being part of this journey.Here’s to the next 53.If you have any feedback, or need to have a chat, or suggestions, please send an email by clicking here.Chapters00:00 Celebrating One Year of Financial Health Insight Podcast05:53 Overcoming Barriers to Starting11:36 Embracing Uncertainty in Life17:30 The Invisible Gorilla: Focus and Awareness23:21 The Role of Financial Freedom in Life29:13 Mindfulness in Financial Decisions35:05 Wrapping Up: Key Takeaways and Future Directions

April is World Autism Awareness Month. In this heartfelt and deeply personal episode, host Kevin Neoh opens up about his journey as a parent to a child diagnosed with Autism Spectrum Disorder. Through raw storytelling and practical wisdom, Kevin explores the emotional, financial, and mental shifts that come with navigating a diagnosis many families never expect.You’ll hear:The early signs and diagnostic journey of autismEmotional responses parents often carry: guilt, fear, denial — and what comes afterWhy therapy is still worth investing in, even if autism isn’t “curable”The power of neuroplasticity and early interventionCommon myths about autism that need to be challengedReal-world financial planning strategies for autism familiesHow to support your child without losing yourself in the processTools like cash flow modeling, special needs trust planning, and values-based spending.Whether you're a parent, caregiver, professional, or ally, this episode is an invitation to reframe your understanding of autism, of planning, and of love that adapts and grows.Resources:Spotify: Beyond Investment - Role of Financial Life PlannerApple Podcast: Beyond Investment - Role of Financial Life Planner⁠Spotify: Give Every Ringgit a JobApple Podcast: Give Every Ringgit a JobSpotify: Turning Money Stress to Money SuccessApple Podcast: Turning Money Stress to Money SuccessAdapting Together Podcast on SpotifyAdapting Together Channel on YouTubeAdapting Together on Apple PodcastMore information on Assessment and Diagnosis for AutismSimple Screening Tools for Parents on Autism Risk ScreeningChapters00:00 Introduction to Autism Awareness Month03:17 The Journey Begins: Personal Story of Diagnosis14:38 Emotional Rollercoaster: Coping with the Diagnosis21:09 Figuring out the next move23:34 Understanding Autism: A Neurodevelopmental Perspective25:51 Why spend the money on Therapy?29:08 Neuroplasticity: The Brain's Ability to Learn33:29 The future is Fluid but not Fixed37:05 Navigating 4 Phases of Life Transitions41:02 Practical Steps for Financial Planning and Support46:42 The Importance of Caregivers' Well-Being49:19 Balancing Self-Care and Parenting52:05 Financial Planning Ideas for Families with Special Needs01:04:11 The Journey of Parenting and Learning from Children01:06:00 Announcement

Losing our job can feel hard. No one should go through this feeling unsupported. Sometimes life throws us into a season of uncertainty in the form of a job loss, a voluntary separation scheme (VSS/MSS), a big pay cut, or an unexpected financial crisis. These moments can feel like winter, which symbolizes cold, uncertainty, and isolation.But just like all seasons, this too shall pass. The crucial part is of course, when we are transitioning it we may feel like we can't see light or the end of the tunnel.In this episode of The Financial Health Insights, Kevin Neoh walks you through practical steps to take if your income takes a sudden hit. We learn about supporting ourselves through this crisis time in 5 steps:What to do immediately after a job loss or major pay cutHow to build a survival budget and avoid panic decisionsWhat to do with your loans, insurance, and EPFWays to generate income (short-term and long-term)How to protect your mental health during this transitionWhen we live through a winter like this, it is definitely not just about money. It’s also about regaining clarity, confidence, and hope.If you’re in a tough season right now, this episode will guide you through it—one step at a time.Resources:Spotify: Money and Stress P1 - How to Break the CycleSpotify: Money and Stress P2 - How to Turn Money Stress into Money SuccessApple Podcast: Money and Stress P1 How to Break the CycleApple Podcast: Money and Stress P2 How to Turn Money Stress into Money SuccessKevin Neoh's LinkedInSubscribe to YouTube ChannelLearn more about KevinChapters00:00 Navigating Unexpected Life Changes02:11 Understanding Employment Loss03:46 The 4 Seasons In Life05:55 Acknowledging Emotional Responses07:26 Immediate Steps for Financial Stability11:24 Creating a Survival Budget20:15 Managing Loans and Insurance23:29 Understand Your Options Regarding Protection Plans (Insurance & Takaful)26:12 Generating Short-Term Income & Reinvention29:43 Coping Strategies during difficult time31:35 Where you can get help & support?33:19 Wrap Up - 5 Steps Action Plan

In this episode of The Financial Health Insights Podcast, host Kevin Neoh sits down with Jean Goh, Senior Clinical Psychologist & Co-Founder of We Rather Bee, to explore the deep connection between financial stress and mental well-being.💡 How does financial stress impact our emotions, decisions, and relationships?💡 Why do money worries often lead to anxiety, burnout, or even depression?💡 How can we shift from survival mode to thriving, even during financial uncertainty?During this conversation, Kevin and Jean break down the warning signs of financial stress, discuss the importance of self-compassion, and share practical coping strategies to help you regain control. Whether you’re feeling overwhelmed by financial pressures, supporting a loved one through money struggles, or looking for ways to build resilience and self-care habits, this episode offers valuable insights for navigating financial and emotional well-being.Resources: Spotify: Money & Stress Part 1 - How to Break the Cycle and Build ConfidenceApple Podcast: Money & Stress Part 1 - How to Break the Cycle and Build ConfidenceLearn more about We Rather BeeFollow We Rather Bee on IGSubscribe to We Rather Bee's Youtube ChannelBook: Dare to Lead by Brene BrownPodcast: Dare to Lead Podcast with Brene BrownMental Health Card Game: We Rather BeeMental Health Card Game: C-Bee-T Thougt Explorer for KidsMental Health Card Game: Bee The One for CoupleChapters00:00 Introduction to Financial Health and Stress03:03 Introducing Guest - Jean Goh, Clinical Psychologist, Co-Founder of We Rather Bee04:21 Understanding Financial Stress and Mental Health07:15 The Impact of Financial Stress on Well-being13:23 Shifting from Survival to Thriving18:11 Techniques for Regaining Calm and Awareness23:24 Building Resilience and Self-Compassion25:36 Self-Care for the Sandwich Generation30:03 The Importance of Self-Care and Support31:50 Navigating Self-Care and Emotional Support37:56 Breaking the Cycle of Financial Stress45:05 Empathetic Listening and Supporting Others52:27 Redefining Financial Struggles and Seeking Help