Author of “Money Rules”, “Smart Money User”, “Money Work Life” and “Credit Card Syndrome”, reveals how human psychology affects our spending habits which in turn affect the quality of life we lead. By looking into the human science of spending habits, it’s worth thinking about money as something which we have a complex relationship with. Our money is not a fixed entity, but rather challenges and opportunities which we interact with and have feelings about. Once we are able to reconcile the feelings and thoughts of our needs and wants, we will be able to live a happier life and reduce our financial stresses.

Dr. Carol is one of the Malaysia’s leading advocates of personal financial education and sustainable retirement for Malaysians. Dr. Carol's mission is to promote financial literacy and financial intelligence to the youth, employees, senior citizens, women, families, deaf communities and other levels of society by educating them of the necessity to understand their mindset and behaviors, and how both affect their financial situations.
Dr. Carol is one of the Malaysia’s leading advocates of personal financial education and sustainable retirement for Malaysians. She is also a personal financial coach and advisor, speaker, columnist, author, educator and trainer in personal finance for a decade. Dr. Carol's mission is to promote financial literacy and financial intelligence to the youth, employees, senior citizens, women, families, deaf communities and other levels of society by educating them of the necessity to understand their mindset and behaviors, and how both affect their financial situations. She has authored ‘Smart Money User’, ‘Credit Card Syndrome’, ‘Money Rules’ and ‘Money Work Life’. Her books reveal how the state of mind and beliefs affect how much (or how little) wealth a person will have, or retain. Dr. Carol is currently the Chief Executive Officer of Aged Care Group Sdn Bhd. Aged Care Group’s vision is to innovate and transform the perception of ageing. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx