Demi Zhuang Website

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Β πŸ‘‹πŸΌΒ I’m Demi.

I’m documenting my journey online as I create the life I want to live for. Hoping to inspire you to do the same for yourself, you only have one life, do what you love.

I share tips and how β€˜money’ as a tool, can let you go further to achieve your dreams. Personal Finance isn’t as scary as it seems~

Retirement is when you stop sacrificing today for an imaginary tomorrow. When today is complete in and of itself, you are retired β€” Naval Ravikant

My Money Mechanics



The basics of personal finance is knowing how to manage the ins and outs. Know where your money is going and your future self will thank you.

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Credit Card

When used responsibly can be an amazing tool

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I was once where you were β€” I didn’t know where or how to start. Let me share my journey from a beginners POV.

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After many years of travelling I’ve formed a system around how I book, plan my travels

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My Money Philosophy

I used to ask myself, β€˜to what end, do we have to save towards our future’, β€˜how can we enjoy life and simultaneously prepare for retirement’.

After reading various books I’ve concluded β€”

  • Decide what is my β€˜Rich Life’
  • Relentlessly cut spending on other areas
  • Save the rest, prepare for life’s surprises
  • Take some to Invest
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Latest Life Updates

What people are saying

covering stuff like Savings, Credit Cards strategy, Emergency Funds, Career Plans and more and these are ⬇️

The 1 to 1 call session with Demi is enjoyable. There were good feedback and pointers on how I can maximise interest in my savings account & the relevant credit cards best suited for my lifestyle needs. She also shared about her experience in investing and the pros/cons of various platforms available – good for people who wants to start out investing or know more about it. Big thumbs up! Anonymous , 34 years old β˜…β˜…β˜…β˜…β˜…
Throughout the session, Demi gave constructive feedback on how I can improve my current personal finance. With her sharing, I am able to gain knowledge that I wasn’t aware previously. Also, I really enjoyed the conversation with her where I can feel comfortable being transparent about my situation. Ignacio , 28 years old β˜…β˜…β˜…β˜…β˜…
Hi Demi, thanks for the call earlier! It helped me out a lot to clarify questions I had and was a great second opinion for my plans, your advise was really helpful in helping me better plan my finances, thanks for doing this! Yuyang , 20 years old β˜…β˜…β˜…β˜…β˜…
The 1-1 session was really helpful as it helped me gain insight to what i can do and help me find better direction to focus and learn more. My questions were answered despite my lack of knowledge and the session was really helpful in clarifying my doubts! Ming Cheng , 18 years old β˜…β˜…β˜…β˜…β˜…
Hey Demi, thanks for having me again and for your reassuring words! Although there are many initiatives to demystify personal finance nowadays, I think this session was very insightful since it's tailored to my own circumstances. Glad I could hear your perspectives and experiences as well. Also appreciated the check-in regarding the major components of personal finance 😊 Anonymous , 25 years old β˜…β˜…β˜…β˜…β˜…
The 1-1 session with Demi was really helpful in getting reassurance and insight into the things that I could be doing to optimise my finances. Not only was she genuine, she was also relatable and gave me a safe space to share my financial situation and dilemmas with her. Thank you Demi! Marcus , 25 years old β˜…β˜…β˜…β˜…β˜…
I really enjoyed the 1-to-1 session with Demi! It was a good opportunity to connect with like-minded individuals and learn things from one another πŸ˜„ The session was informative and organised, while making it a comfortable environment to ask questions or share your thoughts. :) Xinyi, 28 years old β˜…β˜…β˜…β˜…β˜…
Demi was really helpful with her suggestions after taking time to understand one's personal circumstances. Its really great because its very clear that she has no hidden agenda when recommending various platforms (savings account, investment platforms, fund allocation) and she does so for your personal benefit. It is really rare to find someone who is willing to go the extra mile whilst being so honest and objective. Thank you Demi! Elwin , 27 years old β˜…β˜…β˜…β˜…β˜…
I thoroughly enjoyed my 1-1 with Demi! She provided valuable feedback and recommendations on how I could optimise my personal finances, everything from which credit cards I can use to get more cashback to which savings accounts for better interest rates. I appreciate her full transparency in sharing her own allocation of funds, strategies and relationship with money. Thank you Demi! Jo , 30 years old β˜…β˜…β˜…β˜…β˜…
I always end up in a research loop, scrutinising my decisions down to the fine details when strategising my selection for credit cards. While looking for a second opinion, I came across Demi’s YouTube videos and her content allowed me to clear any doubts very quickly. I had a 1-to-1 session with her and it was a great way for a two-way knowledge sharing with one another. Despite having met for first time, she felt like a close friend and I enjoyed the help and knowledge shared with me. Ru Chern , 30 years old β˜…β˜…β˜…β˜…β˜…
The one to one call session with Demi was insightful. It felt like having a friend that is willing to listen and advise me on my financial journey! Hui Ling , 25 years old β˜…β˜…β˜…β˜…β˜…