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In this long-awaited 3rd edition, Amelia Hong, once meek and mild, is now back again with a vengeance and a new self after a life-changing experience. You can catch glimpses of raw and rude personality in this updated book with real, painful yet uplifting stories as she helps Malaysians navigate the difficult world of managing money and investing. Her "almost" no holds-barred new snippets are gems in a world full of empty or fake promises and will you up to the realities of the struggle to manage money. In an increasingly fast-paced world, you simply cannot afford any financial mistakes that will make you miserable, sick, or poor! You don't think will happen to you? Well, that was what she said until she had cancer! (Padan muka!). Armed with new realisations, this timeless book on managing money, which discusses real issues such as the impossibility of retiring comfortably, the reasons for failure to save money, insidious inflation for education, and just plain living expenses, are tackled head-on. Pick up this personal finance guide and pray very hard that you will live your financial life by design and not by default.