https://faadvisory.my/cashflow-playbook-2025/
👉 Whether you earn a lot or just enough, cash flow is the engine that drives your dreams.
If it’s leaking, stuck, or mismanaged—you stay stuck too.
This full-day workshop is designed to FIX THAT!
What You'll Learn?
- Make room to invest, pay off debt, and still live well
- Optimise your existing income to work harder for you
- Create a spending & saving plan aligned with your life goals
- Identify and plug money leaks (most people don’t even realise where the money is going!)
- Stop financial guesswork and replace it with clarity, confidence, and control
Module 1: The Money Mindset Reset
- Understand why most budgets fail (and how to fix yours).
- Cashflow vs. income: The real key to financial freedom.
- Activity: Track your last 3 months—where did the money REALLY go?
Module 2: Net Worth = Your Financial GPS
- Why net worth matters more than salary.
- How to calculate yours (assets vs. liabilities)
- Case Study: How two couples with the same income have VERY different net worth.
Module 3: Budgeting That Doesn’t Suck
- The 50/30/20 rule—flexible budgeting for real life.
- Pay Yourself First” strategy (the secret to guilt-free spending).
- Tools & apps to automate your finances.
Module 4: Board Game & Realization
- Participants play in groups – each “life choice” affects their cash flow, goals, and net worth
- Optional side tasks:
– Investment decisions
– Emergency fund challenges
– Debt or lifestyle upgrades - Debrief & Reflection
– What did the game reveal about your money habits?
– What would you do differently in real life?
Module 5: Action Planning
- Identify top 3 cash flow leaks or missed opportunities
- Set 1 SMART financial goal (short-term or long-term)
- Choose 1 habit to change starting tomorrow
- Introduce accountability tools (trackers, money date, planner)
Exclusive Bonus Materials!
- Exclusive Workbook – With fillable templates (cashflow tracker, net worth calculator, budget planner).
- 90-Day Money Challenge – Weekly actions to lock in new habits.
- Private Community Group – For ongoing support & Q&A.
- Unlimited returns for this Masterclass
Who Should Attend?
You’re Earning Well, But Something Feels Off
- You have a steady income (or even a high one), but your savings aren’t growing
- You’ve dabbled in investing, but it feels unstructured or inconsistent
- You want to make sure your money is working harder for your long-term goals
You’re Constantly Wondering Where Your Money Went
- You often feel like your income disappears too quickly
- You’re tired of the paycheck-to-paycheck cycle
- You want to stop stressing about unexpected expenses and start planning with confidence
You’re a Couple Trying to Get on the Same Financial Page
- You’re engaged, married, or in a long-term partnership and want to avoid money fights
- You’re unsure how to split responsibilities or align goals
- You want to build a joint future—home, kids, early retirement—without financial friction
You’re a Freelancer or Side Hustler With Variable Income
- Your income isn’t fixed and that makes budgeting tough
- You want to smooth out your finances so you can plan like a pro
- You’re looking for structure without losing your flexibility
Meet Your Expert Trainers
Pauline Teoh - The Financial Architect for Women & Families
With over 20 years of experience across global FMCG, market research, and financial services, Pauline Teoh is dedicated to helping individuals and families achieve their life goals through structured financial planning and coaching.
Pauline specializes in personal finance for professional women and families with special needs children, offering neutral, unbiased, and customized financial solutions.
She has helped more than 100 families gain financial clarity and freedom. Over the last five years, she has also conducted financial literacy sessions for SMEs and MNCs, empowering professionals with the tools they need to build wealth and secure their future.
With a deep understanding of behavioral finance, Pauline not only focuses on numbers but also on changing mindsets and building positive financial habits.
Vivian Chow - The Expert in Money Psychology & Behavioral Finance
Vivian brings a unique blend of financial expertise, money psychology, and behavioral finance to her training programs.
Vivian is passionate about empowering individuals and couples to understand their financial biases, make smarter money decisions, and develop healthy financial habits.
Her deep understanding of money psychology and financial stress management allows her to teach not just financial strategies, but also practical tools to manage financial anxiety and improve mental well-being.
Through her engaging sessions, Vivian helps participants gain a strong financial foundation while overcoming limiting beliefs and emotional barriers to wealth building.
https://faadvisory.my/cashflow-playbook-2025/