It happened to be just another ordinary day many years ago when both my wife and I became millionaires. I was looking through our financials and realized that finally, both our individual net worth (what we own minus what we owe, excluding the market value of the house we live in) finally exceeded US$1 million. On that fateful day, nothing special took place. We didn’t celebrate over an expensive restaurant meal; my wife didn’t plan to quit her job; and it was business as usual for me. Why was it such an ordinary and mundane day?  Because far from being caught by surprise, we have been planning and expecting this triumphant day to come!

How did we become millionaires? For a start, we didn’t inherit a million dollars or win the lottery. Neither did we visit casinos and make big winnings. However, we did spend less than we earn; save regularly; eliminate our debts; restrain from spending large amount of money on liabilities such as expensive holidays, exotic cars or other high-end luxuries. Most importantly, we constantly invested in assets that could put cash into our pockets and provide us with steady streams of passive income.

According to a Boston Consulting Group report released in May 2011, Singapore has the highest concentration of millionaire households in the world with 16% of households boasting at least US$1 million in assets under management. The study by Merrill Lynch Wealth Management and Capgemini SA (reported in The Straits Times on 23 June 2010) estimated that there are 80,947 individual millionaires in Singapore with a net worth of at least US$1 million, excluding main residence and everyday possessions. While I’m privileged to be among their ranks, I believe there are more people out there who could potentially join the millionaires’ club - if they choose to develop their financial intelligence to grow their financial assets. Unfortunately, sound financial management principles are never taught in schools and rarely taught to us by our parents. Neither can such skills be learned at the workplace.

With such trying economic times that the world is experiencing, coupled with the continual bombardment by various media filled with easy credit and materialism, I’m concerned that more people are landing themselves into financial disasters that would rob them of their financial freedom. The recent articles published in newspapers on consumers’ spending patterns, credit card debt standings, how people’s entire savings are lost in various investment vehicles and the increasing number of people needing to extend their retirement confirm such concerns. Such are the consequences of a great lack in financial education in societies.

Having the passion to help people be better stewards of their finances, I set out to write The God-Made Millionaire Next Door series. With this book series, I aspire to make a difference in people’s lives by sharing my experiences and the strategies that I apply to achieve financial freedom and become a millionaire myself. My books will help people develop their financial intelligence so that they could act on the knowledge acquired to achieve financial independence for themselves. This is certainly one way I could give back to society after being so richly blessed by God!

So, you want to be a millionaire? YES YOU CAN! You can become a millionaire and you can achieve financial freedom. I believe you can. Why? Because if a common person like me can do it, so can you. Change your mindset and create your destiny!

May God bless you richly.

If you want to achieve financial success and accomplish financial independence, you’ll need sound financial literacy and practices.  The good news is that God wants to bless you richly and desires you to live an abundant life. The best financial and wealth management principles can be found in the Bible.  These proven biblical principles are applied by many millionaires and successful people around the world.

This book teaches you to become a great steward of your God-given resources. You’ll learn how to protect yourself from falling into money traps, how to recover from debts as well as how to manage and grow your financial assets.  By applying God’s financial principles faithfully in your life, you will soon realize that the possibility of achieving financial freedom and even becoming a millionaire could well be within your grasp!

Kelvin has researched and examined the principles of many successful network marketers before publishing his first book Create Your Destiny.

Launched in 2003 across all major bookstores in Singapore including Kinokuniya, MPH, Popular and Times, Create Your Destiny went on to be one of the “Business Bestsellers” at Kinokuniya the following month.

Create Your Destiny aims to shorten the learning curve of any network marketer who aspire to build a successful network marketing business to achieve their desired lifestyles.  The book lays the groundwork of a duplicable system that is crucial to the success of your network marketing business.  The exercises are designed to clarify your purpose in life and to establish your belief in network marketing.  You will be guided step-by-step through the process of penning down your dreams, goals, and commitments.  You will also learn about the traits of a successful network marketer and common misconceptions of network marketing.  Apply the proven strategies and embark on an exciting journey to a happy, healthy and wealthy life!

“Create Your Destiny is a simple book with a powerful message - to help you realize your potential and live your dreams.  I applaud Kelvin for writing this book because it gives you the blueprint for financial success, and much more.  Put the plan to work and make that dream of yours come true, for real!”
Han Kok Kwang
Bestselling-Author of So What If You Don't Have A Degree?