2,400+ everyday Singaporeans have taken the Workshop.
Free 90-minute live online workshop Towards Your Financial Liberty Journey.
Literacy. Liberty. Purpose.
Discover The Financial Liberty Mindset Installed In Everyday Singaporeans & Professionals Who Accumulated Their Money For A Safe Retirement And Are Now Living Purposeful Lives.
Complex financial literacy frameworks & money habits turned simple & easy, proven roadmaps, helping people turn their financial situations around, and to some, retiring 3x - 5x earlier.
3x–5x
Earlier retirement targeted
4.9/5
Participant rating
Kim Peng’s Work Has Been Seen In:
For The Everyday Hard Working Professionals
Hear What These People Has To Say:
In their own words
What our graduates say
I was strongly recommended to take this course because they told me it is a life changing experience. It is very systematic.
The 3-Dollar concept today is what got me excited because it is simple and easy to understand. A lot of people that I have met, they should not be doing what they are doing, if they had known the 3-Dollar concept. Many spent on luxuries before planning for the future.
It has been a great learning experience with many good angles presented and offers us a different perspective from other training.
Donna Seow
Masterclass participant
I joined the class after hearing so many positive reviews, and it truly lived up to the praise. The course was very enriching. Kim Peng generously shared his personal models and frameworks, delivering powerful concepts in such a concise and effective way.
I walked away with valuable takeaways for both insurance and investment, and I’ve already started applying some of the concepts right after the class! A big thumbs up to Finerty. This is definitely a must-attend programme!
Joycelyn Yuen
Masterclass participant
“Courageously bold, sincerely encouraging, and authentically refreshing. Finerty values a measured and thoughtful approach to the work that we do by questioning long-held assumptions that we work from, to craft a solid and sound scaffold on which to build a fluid, yet coherent framework for any serious practitioner worth their weight in salt.”
Industry practitioner
Finance professional
The 3-Dollar Concept is very easy to grasp, and the punchline that Kim Peng mentioned helped a lot with the security type of money personality.
I like the flight analogy about investments with my peers. I will definitely implement the flight analogy, the Journey of Health and Wealth frameworks and also the 3-Dollar Concept. So overall, I really learned a lot from this course.
Cristelle Lim
Masterclass participant
Good experience in working with them as a program partner. Very helpful. Equally positive experience in attending their classes. The trainer, Kim Peng was very knowledgeable & I learned alot from him. Overall recommended.
Muhammad Firdaus
Google review · Local Guide
I had a great experience with Finerty Academy. The lessons were clear, practical and easy to follow. I learned a lot and would definitely recommend it.
Ray Ting
Google review
The problem
It was never taught to you.
Nobody sat you down in school and explained cashflow, compounding or CPF. Your parents most likely were never taught either. So no matter how much you earn, how high you climb or how hard you work, the same sentence keeps coming back.
钱不够用
There is never enough
01
The salary disappears first
Bills, mortgage, children, food, loans. Whatever survives the month gets called savings, until the next big-ticket purchase resets it to zero.
02
A mindset of lack
Constantly making ends meet is not really a money problem. It is a money-mind problem, and it follows people up every rung of the ladder.
03
A wall of jargon
Charts, ETFs, bonds, risk analysis and a salesperson across the table. Complexity is not an accident. It keeps you dependent on somebody else.
It is not your fault. But it is now your decision and the fix is a skill, not a secret.
The MECHANISM
Two halves of one roadmap.
Most financial education gives you instruments without a mindset, or motivation without a plan. KASHGROWTH® deliberately does both, in that order.
The INTERNAL
The Money-Mind
Before any instrument makes sense, you need clarity about the person holding the money. This half breaks the cycle and builds what we call money intelligence.
Money Personalities
Money Mindset
Money Habits
Money Abundance, pay yourself first
The EXTERNAL
The 1 Million Roadmap
Then the tangible half: a written blueprint you walk out holding, in plain language, with no salesperson attached to it.
Financial knowledge made simple
Your own money roadmap
Proven, safe instruments
Tools you keep using afterwards
Source: the KASHGROWTH® Master Framework as taught in Finerty Academy workshops and set out in The Journey of Wealth (Finerty Academy, 2025). Diagram is an illustration of the framework's structure.
WHAT YOU LEARN
Five frameworks, plainly taught.
The masterclass opens the same five KASHGROWTH® concepts our graduates work through, no jargon, no upsell, worked examples in Singapore dollars.
I
KASHGROWTH® Master Framework
Mindset, knowledge and skills on the inside; work and the wider world on the outside. Where every roadmap has to begin.
Internal
External
II
The 5 P's
Paid-up Property, Pay Check, Play Check, Pain Check, Post-dated Check. Your lifetime plan in one formula: Goal = Paid-up Property + $X.
RETIREMENT
HEALTHCARE
LEGACY
III
6 Money Personalities
Spontaneous, Giving, Security, Planning, Status, Carefree. Name the one quietly driving your decisions, then plan around it instead of against it.
Card deck exercise
IV
3-Account Budgeting
Income, savings, expenses and four principles that put cashflow back under your control, starting with paying yourself first.
CASH FLOW
automation
V
The Rule of 72
72 divided by your interest rate is the number of years your money takes to double. Compounding stops being a lecture and becomes a decision.
compounding
WHAT YOU LEARN
Five frameworks, plainly taught.
The masterclass opens the same five KASHGROWTH® concepts our graduates work through, no jargon, no upsell, worked examples in Singapore dollars.
I
KASHGROWTH® Master Framework
Mindset, knowledge and skills on the inside; work and the wider world on the outside. Where every roadmap has to begin.
Internal
External
II
The 5 P's
Paid-up Property, Pay Check, Play Check, Pain Check, Post-dated Check. Your lifetime plan in one formula: Goal = Paid-up Property + $X.
RETIREMENT
HEALTHCARE
LEGACY
III
6 Money Personalities
Spontaneous, Giving, Security, Planning, Status, Carefree. Name the one quietly driving your decisions, then plan around it instead of against it.
Card deck exercise
IV
3-Account Budgeting
Income, savings, expenses and four principles that put cashflow back under your control, starting with paying yourself first.
CASH FLOW
automation
V
The Rule of 72
72 divided by your interest rate is the number of years your money takes to double. Compounding stops being a lecture and becomes a decision.
compounding
WHO THIS IS FOR
Four rooms, one question.
Everyone who sits down with us is asking some version of the same thing: where is my money actually going, and will it be enough? Only the starting point differs.
Recognise yourself in any of these? The 90-minute session is the right place to start.
01
Working professionals
You earn well but the wealth does not seem to accumulate. You want a plan you can actually follow.
Looking to amass real, compounding wealth rather than just a higher salary
Want to build better money habits and stop the month-to-month drift
Need clarity on CPF, insurance and investments before the next decade passes
02
Financial professionals
You advise for a living and want a plain-language framework that clients grasp in one sitting.
Advisers, planners, bankers and agents sharpening their client conversations
Looking for a structured way to teach money behaviour, not just products
Want a shared vocabulary, the five KASHGROWTH® concepts to work from
03
Families and pre-retirees
You are thinking past yourself now, a spouse, children, ageing parents, a legacy that holds.
Couples who want to plan as one household instead of two separate wallets
Parents intending to pass on money sense along with money
Those within ten to fifteen years of retirement who want the sums to work
04
Business owners and the self-employed
Your income is irregular and your personal finances are tangled with the business.
Owners, freelancers and gig earners without a fixed monthly paycheque
Need to separate business cash flow from personal wealth building
Want a retirement structure when there is no employer scheme behind you
And who it is not for
Anyone hunting for hot tips, quick flips or a guaranteed return
Anyone expecting a product pitch, nothing is sold at the masterclass
Anyone unwilling to look honestly at their own spending habits
THE COMMUNITY
Liberation is a room, not a spreadsheet.
Every cohort graduates together. Aunties beside executives, engineers beside retirees, all working the same numbers on the same whiteboard. That room is as much the product as the framework is.
THE TRAINER
Taught by Chua Kim Peng.
Chief Trainer of Finerty Academy and the architect of the KASHGROWTH® framework. His starting point with every new cohort is the fair question anyone should ask: who is this, and can I trust him?
His answer is the same thing he teaches. Trust is earned through clarity, integrity and results, not through a product ladder.
“We don't just talk about financial freedom. We equip you to live it.”
ROLE
Chief Trainer, Finerty Academy
SPECIALISM
CPF, retirement & cashflow
FRAMEWORK
KASHGROWTH®, proprietary
WHO THIS IS FOR
Three people, one gap.
The masterclass is built around the audiences we meet most often and the versions of the same question they each arrive with.
“I earned well for three decades and still felt behind. The roadmap showed me I was eleven years closer than I thought.”
Leo
Senior Manager, Engineering · 35 years working
“I audit other people's numbers for a living. Nobody had ever sat down and shown me how to structure my own.”
Mdm Lim
Accountant · 30 years working
“I started at 28 with a thousand dollars a month set aside. The Rule of 72 made the next thirty years feel possible.”
Jane
Executive · 5 years working
Composite audience profiles used for illustration, based on the academy's participant research. They are not collected customer testimonials and the figures shown across this page describe participant goals, not guaranteed outcomes.
NEXT COHORT · ADMISSIONS OPEN
Financial liberty for all.
Ninety minutes, live, free. You leave with the KASHGROWTH® overview and your own 1 Million roadmap template. No pitch at the end, Finerty is an academy, not a brokerage.
Sessions are held from our training rooms at 111 North Bridge Road, #21-01 Peninsula Plaza, Singapore 179098.
SESSION PARTICULARS
01
Format
Live online
90 minutes, camera optional
02
INVESTMENT
Free
No products sold, ever
03
NEXT COHORTS
Fortnightly
Weekday evenings, SGT
04
LANGUAGE
English
Mandarin clinics available
Financial literacy, taught plainly. An academy for everyday Singaporeans and professionals building toward a safe retirement.
Finerty Academy provides financial education only. We do not offer personal financial advice and we do not sell financial products. Figures shown on this page describe participant goals and framework mechanics, not guaranteed outcomes. KASHGROWTH® is a registered framework of Finerty Academy.
© 2026 Finerty Academy