Tom K works hard in his work and personal commitments. But when it comes to wealth creation and generation, Tom K knows that he is no Tom Cruise. Tom K knows that hard work and abilities do not necessarily get recognised at work and translate into higher salaries; and even if they do, unless one earns a high five-figures monthly salary –Tom K is just an ordinary folk holding a modest job- income generated from work alone may not be sufficient for retirement, let alone, financially freedom. Tom K has decided that he WANTS to be financially free and he knows the motivation of why he wants to become so: to have more time for himself, his families and loves ones, for his passions and for doing more things to benefit the community. With this motivation in mind, Tom K who is a self-professed stingy and miserly fellow and is ......