MONEY

If Patric Chan had understood these lessons in his twenties, he believes he could have reached financial freedom a decade earlier. Instead, he learned them through bounced cheques, failed ventures, debt, missed investments, and mistakes that cost real money.

MONEY: Present and Future is the short, practical playbook he wrote for his three children-and for anyone who wants money to become a useful tool instead of a constant burden.

This is not a get-rich-quick promise, a technical financial-planning manual, or recycled advice about skipping every small pleasure. It is an honest, experience-based guide to managing what you have today while building a stronger tomorrow.

Inside, you'll discover:

• The 3 money buckets Patric uses-and the percentage range he keeps in each
• How "buy now, pay later" can quietly pull you deeper into debt
• Why earning more does not help if your present is still leaking money
• A practical way to think about spending without living a joyless, ultra-frugal life
• Why Patric avoids trading-and how emotion can destroy otherwise sensible decisions
• His personal approach to stocks, crypto, risk, and building residual income
• The story of losing all his Bitcoin twice, plus the lesson that changed how he protects assets
• A simple question to ask before trusting any new money-making opportunity

For people who earn but never seem to get ahead. For young adults who want a better start. For parents who want to teach their children what school often leaves out. And for anyone who wants a clear, grounded approach to becoming debt-free and financially independent.

Patric Chan is a bestselling author and international speaker who has presented in 12 countries. He is also the son of a taxi driver who built businesses without a university education-and made enough financial mistakes to know the difference between attractive theory and useful experience.

Why "Present and Future"?

Because you cannot build a secure financial future while your present is leaking money through habits and traps you cannot see. The first part of the book helps you strengthen the present. The second helps you build the future-in that order.

134 pages. No hype. No complicated formulas. Just the money lessons Patric wishes someone had handed him at 25.

Start reading today and make money your ally-not the yardstick by which you measure your life.