LIM HOOI HOOI

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LIM HOOI HOOI

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CFP, IFP, Licensed Financial Planner,
Certified Life-Centered Financial Planner,
Psychology Of Financial Planning Specialist,
HRDF Accredited Trainers,
Certified Result Coach,
Co-Founder Of Coreplus Advisory Sdn.

12/10/2026

We like to think our financial decisions are rational. But have you ever made an impulse purchase, delayed investing, or worried about money even when the numbers seemed fine? More often than not, money decisions are often influenced by more than just numbers. Emotions, habits, past experiences and even unconscious beliefs can quietly shape the way we spend, save and invest. Join author and financial planning practitioner Lim Hooi Hooi to uncover the thoughts, emotions and habits behind everyday money decisions, and learn how becoming more mindful can help you build a healthier relationship with money.

Register here: https://bit.ly/4dw2Ng9

09/10/2026

🧠 𝗬𝗢𝗨𝗥 𝗕𝗥𝗔𝗜𝗡, 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬

Are you seeing the 𝗙𝗨𝗟𝗟 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 when making money decisions? 🤔

🛍️ 𝟱𝟬% 𝗢𝗙𝗙!
💳 𝗢𝗻𝗹𝘆 𝗥𝗠𝟭𝟵𝟵 𝗽𝗲𝗿 𝗺𝗼𝗻𝘁𝗵!
📈 𝟮𝟬% 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗿𝗲𝘁𝘂𝗿𝗻!

Sounds attractive, right?

But here's something interesting about how our brain works.

It's called 𝗦𝗲𝗹𝗲𝗰𝘁𝗶𝘃𝗲 𝗔𝘁𝘁𝗲𝗻𝘁𝗶𝗼𝗻 — our brain naturally focuses on certain information while overlooking other details.

And this can influence our everyday money decisions more than we realise!

When we see RM199 per month, do we also think about how many months we need to pay?

When we hear 20% return, do we also consider the risks involved?

💡 Sometimes, making better financial decisions isn't about knowing more.

It's about 𝗻𝗼𝘁𝗶𝗰𝗶𝗻𝗴 𝘄𝗵𝗮𝘁 𝘄𝗲 𝗺𝗶𝗴𝗵𝘁 𝗯𝗲 𝗺𝗶𝘀𝘀𝗶𝗻𝗴.

Before your next money decision, ask yourself:

🔎 𝗪𝗵𝗮𝘁 𝗮𝗺 𝗜 𝗡𝗢𝗧 𝘀𝗲𝗲𝗶𝗻𝗴?

🎥 Watch this video to discover how our brain's attention can influence the way we make financial decisions.

❤️ Because better money decisions begin with 𝗯𝗲𝘁𝘁𝗲𝗿 𝘀𝗲𝗹𝗳-𝗮𝘄𝗮𝗿𝗲𝗻𝗲𝘀𝘀.

08/10/2026

🧠 YOUR BRAIN, YOUR MONEY

为什么有些数字，我们一看到就很难不注意？ 👀

50% OFF

RM199/month

20% return

奇怪的是……

同一个画面里明明还有很多其他资料，
但有时候，我们第一眼就是只看到那个数字。

然后，我们的决定可能就从那里开始了。

最近学到 Neuroscience 的 Attention，有一个概念让我觉得跟我们每天做的金钱决定很有关系。

尤其是当一个 offer 看起来特别吸引人的时候。

🧠 也许真正值得问的，不只是：

“我看到了什么？”

还有另一个问题。

🎥 视频里分享。

Why are some numbers so hard to ignore the moment we see them? 👀

50% OFF

RM199/month

20% return

Strangely enough…

Even when there’s a lot of other information on the same screen, sometimes the number is still the very first thing that catches our attention.

And our decision may start from there.

Recently, while learning about Attention in Neuroscience, I came across a concept that made me think about the money decisions we make every day.

Especially when an offer looks particularly attractive.

🧠 Maybe the question worth asking isn’t just:

“What did I see?”

There’s another question too.

🎥 I’ll share more in the video.

#生活理财辅导

04/10/2026

We know we should 𝘀𝗮𝘃𝗲 𝗺𝗼𝗿𝗲.
We know we should 𝗯𝘂𝗱𝗴𝗲𝘁.
We know we shouldn’t buy things impulsively.

Yet sometimes… we still do it. 😅

Why?

Because 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 and 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴 𝘁𝗼 𝗯𝗲𝗵𝗮𝘃𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆 are not the same thing.

From a neuroscience perspective, simply remembering financial knowledge may not be enough to change an established behaviour. Real learning happens when we begin to 𝗮𝗽𝗽𝗹𝘆, 𝗽𝗿𝗮𝗰𝘁𝗶𝘀𝗲 𝗮𝗻𝗱 𝗿𝗲𝗽𝗲𝗮𝘁 a new response until it becomes easier for our brain to follow.

So perhaps the question isn’t:

“Why don’t I know better?”

But rather:

“𝗛𝗮𝘃𝗲 𝗜 𝗽𝗿𝗮𝗰𝘁𝗶𝘀𝗲𝗱 𝘁𝗵𝗲 𝗯𝗲𝘁𝘁𝗲𝗿 𝗯𝗲𝗵𝗮𝘃𝗶𝗼𝘂𝗿 𝗲𝗻𝗼𝘂𝗴𝗵?” 🧠✨

🎥 Sharing a little of what I’ve been learning about 𝗻𝗲𝘂𝗿𝗼𝘀𝗰𝗶𝗲𝗻𝗰𝗲 × 𝗺𝗼𝗻𝗲𝘆 𝗯𝗲𝗵𝗮𝘃𝗶𝗼𝘂𝗿 in this video.

#大脑与金钱行为

27/09/2026

🧠 YOUR BRAIN, YOUR MONEY

为什么我们懂了这么多理财知识，还是做不到？ 🤔

Budget 怎么做，我们知道。
要存钱，我们也知道。
不要冲动消费……更加知道。😂

现在网络上甚至有很多免费的理财知识。

所以问题来了：

如果“知道”就足够了，

为什么我们还是会重复一些自己明明知道不太好的金钱行为？

最近读 Neuroscience 的 Learning，其中一种学习方式让我觉得很适合用来重新思考理财这件事。

也许我们一直把 “我知道” 和 “我学会了” 当成同一件事。

但它们真的是吗？ 🧠

🎥 视频里分享。

Why do we know so much about personal finance, yet still struggle to put it into practice? 🤔

We know how to budget.
We know we should save.
And we definitely know we shouldn’t impulse buy… 😂

Today, there’s even plenty of free financial knowledge available online.

So here’s the question:

If “knowing” were enough,

why do we still repeat money behaviours that we already know aren’t good for us?

Recently, while studying Learning in Neuroscience, I came across a type of learning that made me rethink the way we approach personal finance.

Perhaps we’ve been treating “I know” and “I’ve learned” as if they mean the same thing.

But do they really? 🧠

🎥 I share more in the video.

#生活理财辅导

25/09/2026

💭 𝗪𝗵𝗼 𝘁𝗮𝘂𝗴𝗵𝘁 𝘆𝗼𝘂 𝗵𝗼𝘄 𝘁𝗼 𝗱𝗲𝗮𝗹 𝘄𝗶𝘁𝗵 𝗺𝗼𝗻𝗲𝘆?

For many of us, the answer may be: **no one — at least, not formally.**

But growing up, we were always watching.

We watched how our parents 𝘀𝗽𝗲𝗻𝘁 𝗮𝗻𝗱 𝘀𝗮𝘃𝗲𝗱.
We noticed whether money was discussed openly — or avoided.
We saw whether spending brought enjoyment, guilt or worry.
And sometimes, we witnessed arguments about money.

🧠 In neuroscience, one way we learn is through 𝗜𝗺𝗶𝘁𝗮𝘁𝗶𝗼𝗻 𝗟𝗲𝗮𝗿𝗻𝗶𝗻𝗴 — learning by observing and copying the behaviours of people around us.

And what we imitate isn’t always helpful.

Some money habits we think are simply *“the way I am”* may actually be behaviours we learned a long time ago without even realising it.

🌱 So perhaps the first step in changing a money habit is to ask:

𝗪𝗵𝗲𝗿𝗲 𝗱𝗶𝗱 𝗜 𝗹𝗲𝗮𝗿𝗻 𝘁𝗵𝗶𝘀?

Understanding the origin of our financial behaviours can help us become more intentional about 𝘄𝗵𝗮𝘁 𝘄𝗲 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗸𝗲𝗲𝗽 — and what we may want to change.

🎥 Watch the video to discover how 𝗜𝗺𝗶𝘁𝗮𝘁𝗶𝗼𝗻 𝗟𝗲𝗮𝗿𝗻𝗶𝗻𝗴 may shape the way we relate to money.

23/09/2026

🧠 YOUR BRAIN, YOUR MONEY

你现在处理钱的方式，是谁教你的？

想一想，好像很多人小时候都没有真正上过一堂：

“怎样跟钱相处？”

但长大以后，我们却都有自己的一套。

有人很会存，却很难花。
有人一有钱就想用掉。
有人很怕谈钱。
有人觉得钱的问题，最好不要让别人知道。

这些习惯到底是怎么来的？

更有意思的是——

有些东西，可能从来没有人开口教过我们。

那我们又是从什么时候开始“学会”的呢？ 👀

最近学 Neuroscience 的 Learning，有一个概念让我马上联想到我们的金钱行为。

🎥 视频里告诉你。

Who taught you the way you handle money today?

Think about it. Most of us never really had a class growing up on:

“How do we have a healthy relationship with money?”

Yet as adults, we somehow develop our own ways of dealing with it.

Some people are very good at saving, but find it difficult to spend.
Some feel the urge to spend whenever they have money.
Some are afraid to talk about money.
Some believe money problems are best kept private.

So where did these habits come from?

What’s even more interesting is this—

Some of these behaviours may be things no one ever explicitly taught us.

So when did we actually start “learning” them? 👀

Recently, while studying Learning in Neuroscience, I came across a concept that immediately made me think about our money behaviours.

🎥 I’ll explain it in the video.

#生活理财辅导

20/09/2026

🧠 𝗖𝗼𝘂𝗹𝗱 𝗮 𝗺𝗼𝗻𝗲𝘆 𝗺𝗲𝗺𝗼𝗿𝘆 𝗳𝗿𝗼𝗺 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗶𝗻𝗳𝗹𝘂𝗲𝗻𝗰𝗶𝗻𝗴 𝘆𝗼𝘂 𝘁𝗼𝗱𝗮𝘆?

Perhaps you once lost money on an investment.

Or you grew up hearing, “Money is hard to earn, so don’t waste it.”

Years later, the event may be over—but the way you 𝗿𝗲𝗮𝗰𝘁 𝘁𝗼 𝗺𝗼𝗻𝗲𝘆 may still carry traces of that experience.

Neuroscience gives us an interesting way to understand this through 𝗲𝗽𝗶𝘀𝗼𝗱𝗶𝗰 𝗺𝗲𝗺𝗼𝗿𝘆—our memory of personal experiences and the context surrounding them.

Sometimes, understanding our financial behaviour starts not with asking, “What’s wrong with my decision?”

But with asking:

💭 𝗪𝗵𝗮𝘁 𝗽𝗮𝘀𝘁 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗺𝗶𝗴𝗵𝘁 𝗯𝗲 𝗶𝗻𝗳𝗹𝘂𝗲𝗻𝗰𝗶𝗻𝗴 𝗵𝗼𝘄 𝗜 𝗳𝗲𝗲𝗹 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗻𝗲𝘆 𝘁𝗼𝗱𝗮𝘆?

🎥 Watch the video for a quick explanation.

16/09/2026

🧠 YOUR BRAIN, YOUR MONEY

为什么有些跟钱有关的事，我们就是忘不了？

有些事情明明已经过去很多年。

一次亏损。
一句小时候听过的话。
一个曾经很困难的阶段。

事情过去了，
但奇怪的是……

当我们今天再次面对某些金钱决定时，
那种熟悉的感觉，好像又回来了。

所以我最近在想：

我们今天对钱的反应，真的都只是因为今天发生的事吗？

还是有一些答案，藏在我们过去的经历里？ 🧠

最近学到 Neuroscience 的 Memory，让我从另一个角度重新看这件事。

🎥 视频里跟你分享。

Why are some money-related experiences so hard to forget?

Some things may have happened many years ago.

A financial loss.
Something we heard as a child.
A period when life was financially difficult.

The experience may be long over, but strangely…

When we face certain money decisions today, that familiar feeling seems to come back again.

So recently, I’ve been wondering:

Are the ways we react to money today really only about what is happening now?

Or could some of the answers be hidden in our past experiences? 🧠

Learning about Memory in Neuroscience recently has given me a different perspective on this.

🎥 I share more in the video.

#生活理财辅导

13/09/2026

🧠 𝗘𝘃𝗲𝗿 𝗺𝗮𝗱𝗲 𝗮 𝗺𝗼𝗻𝗲𝘆 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝘂𝗻𝗱𝗲𝗿 𝘀𝘁𝗿𝗲𝘀𝘀… 𝗮𝗻𝗱 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝗲𝗱 𝗶𝘁 𝗹𝗮𝘁𝗲𝗿?

When we feel financially threatened—perhaps our investments fall, expenses suddenly rise, or money feels uncertain—our brain may respond as though it is facing a more immediate threat.

That 𝗮𝗹𝗮𝗿𝗺 𝗿𝗲𝘀𝗽𝗼𝗻𝘀𝗲 can make it harder to 𝘁𝗵𝗶𝗻𝗸 𝗰𝗮𝗹𝗺𝗹𝘆, consider the bigger picture, and stick to a long-term financial plan.

This is why good financial planning isn’t only about 𝗻𝘂𝗺𝗯𝗲𝗿𝘀, 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝗮𝗻𝗱 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀.

It’s also about understanding 𝗵𝗼𝘄 𝗼𝘂𝗿 𝗯𝗿𝗮𝗶𝗻, 𝗲𝗺𝗼𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝘀𝘁𝗿𝗲𝘀𝘀 𝗶𝗻𝗳𝗹𝘂𝗲𝗻𝗰𝗲 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝘄𝗲 𝗺𝗮𝗸𝗲.

Sometimes, the best financial decision is not to react immediately—but to give yourself enough space to move from 𝗿𝗲𝗮𝗰𝘁𝗶𝗼𝗻 𝗯𝗮𝗰𝗸 𝘁𝗼 𝗿𝗲𝗳𝗹𝗲𝗰𝘁𝗶𝗼𝗻.

💭 How often does stress influence the way you 𝘀𝗽𝗲𝗻𝗱, 𝘀𝗮𝘃𝗲 𝗼𝗿 𝗶𝗻𝘃𝗲𝘀𝘁?

👉 𝗪𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝘃𝗶𝗱𝗲𝗼, 𝗮𝗻𝗱 𝗱𝗶𝘀𝗰𝗼𝘃𝗲𝗿 𝗺𝗼𝗿𝗲 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘀𝘁𝗿𝗲𝘀𝘀 𝗰𝗮𝗻 𝗵𝗶𝗷𝗮𝗰𝗸 𝘆𝗼𝘂𝗿 𝘄𝗮𝗹𝗹𝗲𝘁.

Address

OT-11-06, 2RIO Office Tower, Persiaran RIO, Bandar Puteri Puchong
Puchong
47100

Telephone

+60182059386

Website

http://limhooihooi.com.my/

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