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Debtermined is a behavioral finance book. What’s the difference? Personal finance books teach us the ‘hows’ and the ‘whats’ of finance. Behavioral finance teaches us the ‘whys.’ Simply put, it will show us why we do what we do, and how we can change our behavior so that we do what we had intended to do. Personal Finance is about knowledge, and behavioral finance is about (you guessed it) behaviour.


YOUnique is a book written for you. It took me eleven years to write this, as everything written in it comes from experience. I have been in sales and marketing for many year.s I also started a few businesses from manufacturing to retailing, from direct selling to food and hospitality. With all these experiences, it has been quite a roller coaster ride.

YOUnique Youth

After reading this book, I hope you will finally discover something more valuable than a lost ring, and you don’t have to wait for six decades or spend your whole life trying to look for it. Through this book, you can discover who you are and how you are wired by God. Discovering who you are is a journey, a journey that can start here. Let me be your guide in this adventure of self-discovery.

YOUniquely In Love

If there is one thing I want readers to take away from this book, it’s the word WILLINGNESS. Love is not just an emotion, but a decision. Love is not just about passion, but your devotion. Loving your partner despite your differences makes the relationship wonderful. That’s why Kat and I wrote YOUniquely In Love “Love Others The Way They Want To Be Loved” to show the power of the four personality types in relationships.