As we embark into the year 2022, the year where everything slowly starts to be like pre-covid era, we thought it would be best to start with some financial guidance and ideas in personal finance management and investments. Without a doubt, our personal finance is one of the most important aspect in our lives. Some flourish in managing it, some are still figuring things out. That is ok and we are here to share some knowledge about these two areas of personal finance; savings, managements and investment. We call upon Hannah's dear friend, Ms. Serene Chaw to speak with us on these topics. Happy 2022, everyone!