2019 was a special Chinese New Year (CNY) for Heartland Boy as he celebrated it with the addition of a new family member. After 3 straight years of giving out red packets during Chinese New Year, he was blessed enough to once again find himself on the receiving end of such a lovely traditional custom. As a parent to a 3-month old, he finds himself entrusted with the responsibility of safe-keeping the hong bao monies that Olympia has received during CNY. He vividly remembers those times when his mother brought him to the friendly neighbourhood bank to deposit his ang bao monies. Unfortunately, those monies only earned a paltry 0.05% interest rate which was not even sufficient to beat inflation. Like many parents who want to use hong bao to teach kids about money, Heartland Boy is no different. As a financial blogger, he definitely hopes to achieve a