The experiences of people who have studied with us

Starting point

Kamolwan had worked steadily for twenty years and kept a savings account but had never looked at what was actually in it month to month. She described feeling "financially vague" — aware that she should be doing something but unsure where to begin.

What she did

She joined Wading In, completed all three sessions, and returned three months later for Finding Your Depth. The recorded lessons meant she could revisit the parts that covered fixed deposits, which she said she needed to watch twice before they clicked.

Where she arrived

By the end of Finding Your Depth she had a working budget, a clearer savings habit, and a set of questions ready for a meeting with a licensed adviser. She described the change as going from "not knowing what to ask" to "knowing exactly what I need to find out."

Starting point

Boonlert had a reasonable income and some savings but had no sense of whether what he was putting aside was enough for retirement. Healthcare costs in later years were something he had not thought about at all.

What he did

He joined The Far Horizon Programme directly, having read about it and felt the ten-week structure was what he needed. He attended all sessions and found the healthcare module — weeks five and six — the most eye-opening part.

Where he arrived

His personal planning folder by the end of the programme included a rough projection of his expected costs in retirement. He used the closing reflection session to identify two gaps in his current approach, which he then discussed with a licensed professional.

Starting point

Wanpen came to Wading In after her husband retired and she realised they had never sat down together to look at their combined finances. She had some reservations about whether she would follow the material given her limited background.

What she did

She completed all three Wading In sessions and shared the printed materials with her husband. The two worked through the practice sheets together at home, which she said helped both of them more than she had expected.

Where she arrived

She described the main change as feeling "less lost" when her husband talked about their finances. They had a shared set of words for concepts they had previously avoided discussing, which she said made practical conversations much easier.