Why Accountants know money but still struggle financially

 Knowing how money works and using money well are two different skills.

That gap explains the contradiction.


1. Accounting Knowledge Is Not Wealth Strategy


Accounting teaches how to record, report, and control money.

It does not teach how to build personal wealth.


Many accountants apply their skills to clients, not to themselves.


2. Accountants Trade Time for Income


Most accountants rely on salaries or billable hours.

Income is limited by time, regardless of skill level.


Wealth grows through ownership and leverage, not only labor.


3. Risk Avoidance Limits Growth


Accountants are trained to be conservative.

This reduces mistakes but also limits opportunities.


Excessive caution can delay investing or entrepreneurship.


4. High Knowledge Does Not Equal High Pay


The market rewards value created, not knowledge held.

Accountants who stay in compliance roles earn less than those in advisory or business roles.


5. Personal Finance Is Emotional


Accountants advise logically but spend emotionally like everyone else.

Human behavior often overrides knowledge.


6. They Focus on Expense Control, Not Income Expansion


Many accountants concentrate on saving and budgeting.

Wealth requires income growth, not only cost reduction.


7. They Delay Using Their Skills for Themselves


They plan, analyze, and optimize other people’s finances.

Their own plans are postponed indefinitely.


Final Thought


Accounting knowledge protects money.

Wealth thinking grows money.


Accountants who apply their skills personally and think like owners, not employees, break this pattern.

Umrah dengan Tiram Travel

2 Nov 2025


 Alhamdulillah dapat merai kakak sulong dan abang ipar di KLIA yg mahu bertolak ke Jeddah untuk tujuan umrah pada 2 November 2025 lepas


Selamat menjalankan ibadat dan moga mendapat kasih sayang Allah


Rujukan YT Solusi Umrah : Kenapa Umrah? 

https://www.youtube.com/live/1z_Ke8-Ac_Y?si=3tFCf6sYRCdOX_1C

why 300 litter cap on RON95? and not more?

https://www.malaymail.com/news/malaysia/2025/09/23/how-far-can-you-go-with-malaysias-300l-ron95-subsidy-a-practical-guide/192051 



  How far can you go with Malaysia’s 300L RON95 subsidy? A practical guide 

 KUALA LUMPUR, Sept 23 — Starting the end of September, the government will provide up to 300 litres of subsidised RON95 petrol per month to eligible Malaysians. But what does that 300-litre quota actually mean for your daily commute or a balik kampung trip? 

 According to government data, this allocation is more than sufficient for over 99 per cent of private vehicle drivers in Malaysia. To put this allowance into perspective, here’s a practical breakdown of how far 300 litres can take various vehicles commonly seen on Malaysian roads, based on manufacturers’ claimed efficiency numbers. 

  For cars: From compact to premium For drivers of compact A-segment cars like the Perodua Axia or Proton Iriz, 300 litres provides an impressive monthly driving range of approximately 5,100 to 5,700 kilometres. This translates to roughly 170-190 km of daily driving, more than enough for most urban commuters. 

 The most popular B-segment vehicles, such as the Honda City and Toyota Vios, could travel between 4,500 to 5,100 kilometres a month. This equates to about 150-170 km daily, sufficient for extensive suburban commuting or regular interstate travel. 

 Moving up to C-segment sedans and SUVs like the Honda Civic or Proton X70, the 300-litre allocation would provide a monthly range of approximately 3,600 to 4,500 kilometres, or 120-150 km daily. This remains generous for most families, allowing for regular long-distance trips. 

 Even larger D-segment vehicles and premium SUVs, which are typically less fuel-efficient, would achieve 3,000 to 3,900 kilometres a month on the 300-litre allocation. This still provides an adequate daily range of 100-130 km for most executive and family use. 


  For motorcyclists: An extraordinary value For Malaysian motorcyclists, the 300-litre allocation is exceptionally generous. Riders of popular underbone models like the Honda EX5 or Yamaha Y15ZR could potentially travel 10,500 to 13,500 kilometres a month. Even higher-performance models such as Honda RS150R and Yamaha R15M would achieve a monthly range of 7,500 to 10,500 kilometres.

 This means most motorcycle commuters and enthusiasts can enjoy extensive daily use and recreational riding without worrying about their subsidised quota. 


 Putting it into perspectiv

 The practical implications become even clearer when applied to typical driving patterns: 

 Daily commute: A daily commute from Shah Alam to Kuala Lumpur city centre (approx. 50-60 km return) would use only about half of the monthly allocation, even in a less fuel-efficient car. 

 Weekend trips: A weekend trip from Kuala Lumpur to popular destinations like Port Dickson or Malacca would consume only a small fraction of the 300 litres. 

 Long-distance travel: A road trip from Kuala Lumpur to Penang (approximately 700 km return) would use roughly 40-50 litres in a typical B-segment car, leaving ample fuel for daily needs for the rest of the month. 

The government said its decision to set the allocation at 300 litres was to balance between providing meaningful support to drivers while ensuring the subsidy programme remains fiscally sustainable. For the overwhelming majority of Malaysian motorists, this allocation will more than cover their monthly fuel needs, effectively keeping transportation costs manageable.

Dating (berdua-duaan) : 20 Sep 2025

Isteri kesayangan tiba2 ajak jalan2 keluar. Jam menunjukkan jam 8.10 mlm. aku masih menonton siaran langsung perlawanan EPL yg masih belum tamat separuh masa, tapi keputusan dah 2-0... dalam hati, ikutkan saja lah. Dia kata "kita jalan2 kat tasik, tengok lampu ... dengar busking ke". kami pun terus bersiap siap. sambil aku memandu, isteriku mencari-cari tasik yg berdekatan di tiktok, tapi tiada yg menarik. aku suruh cari keyword "taman putra ", dia jumpa "secret garden", jadi kami pun teruskan perjalanan ke sana. agak menarik juga lah. taman yg dihiasi lampu lampu, dan ada buggy yg boleh dinaiki (RM10 sekali naik). kami kemudiannya memutuskan ke restoran yg turut sajikan musik "live" (band busking). sambil makan, sambil nikmati halwa telinga ok lah. malam yg menenangkan. Alhamdulillah

Pengecilan operasi niaga

**Berita yang menyakitkan** Tetapi tidak dapat dielakkan kerana saiz atau relevansi perniagaan utama. Situasi ini tidak langsung berkait dengan bakat & komitmen yang telah diberikan sebelum ini **Mengapa?** Pemegang taruh Mahukan yang terbaik dalam kelas/sektor Menjadi lebih cekap / lebih kurus Mengelakkan fungsi yang berlebihan atau berganda sebagai syarikat pelaburan induk **Pilihan terakhir? Apa yang perlu dikurangkan?** Komunikasi mengenai apa dan bila Secara sukarela vs secara tidak sukarela Siapa yang kekal, ditempatkan semula dan siapa yang perlu pergi **Perubahan budaya** Perubahan keutamaan Ketidaktentuan pekerjaan **Bagaimana untuk menghadapi?** Mari kita raikan perjalanan kerja setakat ini. Kita telah sampai ke tahap ini selepas 20, 25, 30 tahun penuh dedikasi dan kerja keras. Apa boleh buat. Eloklah kita kongsi apa yang telah kita pelajari, amati kenangan yang kita cipta bersama, ikatan yang kita bina bersama, dan gelak tawa yang dikongsi.

Concept of segmented P&L to understand problems

 



1. Prepare granular report (pre-requisite, the source financial data must be available by granular coding)

2. Identify what mgmt think is a problem

3. Validate the understanding of the identified problem

4. Find an actionable solutions together, and do and measure IT