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When TG Tay introduced Money Habitudes to financial advisors in Singapore in 2009

When TG Tay introduced Money Habitudes to financial advisors in Singapore in 2009, They were among the first financial professionals in Asia to be introduced to the benefits of addressing the emotional, behavioral side of working with clients.


Following a 17-year career as a financial advisor, TG shifted his focus to become a trainer and coach for the financial advisory industry. He introduced advisors to Money Habitudes as a unique prospecting & ice-breaker tool. He also included them as a key activity in his financial literacy programs working with organizations and educators.

Focus on Financial Advisors

Money Habitudes has been incorporated into both his one-day Behavioral Financial Planning training and the acclaimed 3-day training Financial Planning for HNWI & Business Owners in Singapore, Malaysia and the Philippines. Money Habitudes is primarily used as a door-opener and prospecting tool for financial advisors to take a more client-centric approach to engage their clients and to introduce their life-insurance solutions.

The trainings include experiencing Money Habitudes (using the cards or online version) as a fun, money personality profile game that can be used with clients to link their dominant Money Habitudes to their cash-flow management. It is a more holistic process to put the financial puzzle pieces together so it is well coordinated and consistent with their financial and life goals. This approach helps to avoid the 3C’s of estate and legacy planning: Conflict, Confusion and Costs. Advisors see value in this process and are keen to use it with their clients.

Focus on Financial Literacy

In the community, Money Habitudes cards are primarily used to kick-start talks and workshops. Participants find it to be a fun & effective way to start conversations about money and to understand how the discovery of their Money Habitudes can help them manage their cash-flow more successfully.

In education, as part of the financial literacy program introduced by the Government under the Ministry of Education, the online MH card game was an integral part of the program. After a successful pilot, it was used as a fun interactive game to launch the program for about 30,000 first-year Polytechnic and Institute of Technical Education students. Although the cards were used in some cases, most students used the online version. After playing Money Habitudes and discussing their outcomes, they successfully connected their results to planning their budget and cash-flow management.