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Joel
- Rate RM136
- Response 1h

RM136/h
1st lesson belanja
- Functional Skills
Behavioural Economics MSc Graduate Teaching Financial Management & Money Psychology for Self-Employed Professionals
- Functional Skills
Lesson location
About Joel
I’m Joel, a financial management coach with a background that spans financial services, behavioural economics, and high-ticket sales. I hold an MSc in Behavioural Economics and Level 4 financial planning qualifications, so I bring both the academic understanding and the real-world experience to every session.
I left a career in financial services to build my own coaching practice because I saw the same pattern everywhere — smart, ambitious people earning well but quietly struggling with money behind the scenes. Not because they’re bad with numbers, but because nobody ever taught them how their own psychology works against them.
I work primarily with self-employed professionals and creatives in their late 20s and 30s. People who are ambitious about every area of their life except their finances. If you’ve read every money book going and still haven’t changed your habits, my approach is built for exactly that gap.
About the lesson
- Primary
- Secondary
- SPM
- +7
levels :
Primary
Secondary
SPM
Form 6
STPM
Adult education
Bachelor
Masters
Diploma
Doctorate
- English
All languages in which the lesson is available :
English
Most financial education tells you what to do budget more, save more, invest more. You already know that. The problem isn't knowledge, it's behaviour.
I teach financial management through the lens of behavioural economics, the science of why smart people make poor money decisions. My sessions cover budgeting frameworks, cash flow management, savings systems, and building wealth habits, but we go deeper than spreadsheets. We look at the psychological patterns keeping you stuck.
I specialise in working with self-employed professionals and creatives who earn good money but don't have much to show for it. If that sounds familiar, you're in the right place.
Each session is tailored to where you are financially. We'll work with your real numbers, your real habits, and build a system that actually fits your life — not a generic template from a textbook.
I hold an MSc in Behavioural Economics and Qualified financial planner
Recommendations
Recommendations come from relatives, friends and acquaintances of the teacher
I just wanted to say a genuine thank you to Joel.
I booked a one-hour financial coaching session with him, and I can honestly say it completely changed the way I look at my money. Within that hour, he helped me identify that I was unknowingly wasting a couple of hundred pounds every month, and he pinpointed some of the underlying habits that were holding me back financially.
What I appreciated most was how easy he made it to open up. There’s absolutely no judgement - he’s approachable, knowledgeable, and genuinely wants to help you improve your financial situation.
I’ve already booked more sessions because I know there’s so much more I can learn. He also has an Etsy store with some brilliant Excel budgeting and money management templates that he showed me during our session. They’re really affordable and a great addition to the advice he gives.
If you’re thinking about booking a session with Joel, don’t hesitate. It’s one of the best investments I’ve made in myself, the price is incredibly reasonable for the value you get, and I’m genuinely looking forward to continuing to work with him.
Thank you, Joel - you’ve already made such a positive difference.View more recommendations
Rates
Rate
- RM136
Pack rates
- 5h: RM680
- 10h: RM1360
online
- RM136/h
free lessons
This first lesson is free to allow you to get to know your teacher so that they can best meet your needs.
- 1hr
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