Hi, my name is James Voon. Some call me JV.
I work as a Creative Director in Petaling Jaya. From the outside, my life looked stable. Good job, decent title. But inside, I was struggling badly.
Every month, I watched RM6,000 disappear. Personal loans. Car loans. Mortgage. Credit cards. Every statement reminded me of how trapped I felt. There was no room to breathe, no space to save. Just enough to survive and repeat the cycle again next month.
For years, I ignored it. I told myself it was normal. That everyone has debt. I convinced myself to wait for a promotion, for a better year, for something to magically change.
But it didn’t. And deep down, I knew I was sinking.I didn’t even dare to think about buying a second property. I had no capital. No savings. Just stress. And a fear that I would never break free.
Then someone introduced me to FAR Capital.
At first, I wasn’t expecting anything life-changing. Maybe just some advice or perspective. But what I got was far more than that.
I was assigned to a Success Manager. We started by reviewing my situation honestly. No sugarcoating. And that alone was a relief, I know I have someone who didn’t judge me but wanted to help me rebuild.
He showed me that I actually had a way out. I didn’t need new money. I didn’t need to wait years. I just needed to refinance what I already owned, strategically.
I took his advice and committed to get away from my situation. We moved forward with the refinancing plan and I can see the progress, the mountain in front of me started to shrink.
In just a short time, I wiped out RM80,000 of bad debt. My monthly commitments dropped by RM6,000. My CTOS score improved. And for the first time in years, I had real cashflow in hand. Not just theory. Not just talk. Actual space to save. To invest. To breathe.
It’s hard to put into words how that feels unless you’ve lived it.
Today, I’m planning to buy my second property. But now, I’m walking in with peace of mind, not panic. With confidence, not fear.
To anyone who feels like they’re drowning in commitments, I just want you to know something.
You’re not broken. You’re not lazy. You’re not alone.
Sometimes, all you need is the right person to show you where the light switch is.
FAR Capital gave me that light. And I’ll never forget it.
P.S. If you’re in the same place I was, don’t just sit with the fear. Come meet the team that changed my life.
Join FIRE 2025 and learn how to turn debt into your comeback story.
👉 Register here: https://fire.farcapital.com.my
—James Voon
35 years old
