Cohort Notes
What Participants Have Said After the Reading
These are notes shared by past participants — reflecting on what the programmes gave them and what changed in how they think and talk about money.
Back to Home340+
Participants Completed
4.7
Average Cohort Rating
4+
Years of Programmes
68%
Return to a Second Programme
Participant Reflections
Notes from Recent Cohorts
Participant names and details used with permission. Initials and programme details reflect actual cohort membership as of 2025.
Margaret K.
Bedok, Singapore
Long-Term Planning Circle
Before joining the circle, I would avoid conversations about drawdown entirely — I did not really understand what the word meant in practical terms. Nine months later, I can talk about it with my husband without either of us feeling lost. That alone was worth it.
April 2025 · Cohort 12
Richard L.
Buona Vista, Singapore
Daily Money Habits Workshop
I came in expecting a standard seminar. What I got was two days of actual reading and thinking — with time to sit with ideas rather than rushing to the next slide. The weekly review card is still on my desk three months later.
March 2025 · Cohort 14
Nancy T.
Tampines, Singapore
Family Finance Conversations
We had been avoiding the topic of my mother's finances for over a year. The scenarios we worked through on day two gave me language I simply did not have before. It was not that the workshop solved anything — it gave me a way to begin the conversation.
May 2025 · Cohort 6
Gerald C.
Bishan, Singapore
Long-Term Planning Circle
I appreciated that nothing was being sold. That sounds obvious, but it is genuinely rare in the financial literacy space here. The reading list was well chosen and the facilitator kept the discussion from becoming too theoretical. My only note is that nine months felt long at the start — by month four, I understood why it was structured that way.
February 2025 · Cohort 11
Helen Y.
Toa Payoh, Singapore
Daily Money Habits Workshop
The weekend format suited me well. I was nervous about spending two full days on something that felt unfamiliar, but the pacing was very considered. There was no sense of being rushed through material. The follow-up circle a month later turned out to be just as useful as the workshop itself.
April 2025 · Cohort 15
David S.
Clementi, Singapore
Family Finance Conversations
My wife and I attended separately and compared notes at home afterward — which was itself a kind of conversation we had not had before. The scenario card exercises were practical rather than abstract. I have kept the conversation guide in my study.
March 2025 · Cohort 7
Participant Journeys
Three Reading Journeys, in More Detail
Composite accounts drawn from multiple participant experiences and shared with permission. Names have been changed.
Journey One
From Avoidance to Vocabulary
The Starting Point
A 52-year-old professional who had consistently deferred thinking about retirement planning, describing the topic as "something I'll deal with later" despite being aware of its relevance.
The Reading Circle
Joined the Long-Term Planning Reading Circle in 2024. The structured pace and small cohort meant the material never felt overwhelming — each monthly session built on the previous one at a manageable rate.
After Nine Months
Felt confident enough in the vocabulary to have a productive meeting with a licensed financial adviser for the first time — describing it as "finally knowing enough to ask useful questions."
Journey Two
Opening the Household Conversation
The Starting Point
A couple in their mid-forties with different levels of engagement with household finances — one managing day-to-day money matters, the other largely uninvolved and uncertain about how to participate.
The Workshop
Both attended the Daily Money Habits workshop in separate cohorts, then compared their workbook notes at home. The shared vocabulary became a starting point for conversations they had previously not known how to begin.
The Outcome
Now conduct a monthly household review using the weekly review card format from the workbook. One partner subsequently joined the Long-Term Planning Reading Circle.
Journey Three
The Generational Conversation
The Starting Point
A 47-year-old managing increasing care responsibilities for an ageing parent, with no framework for how to discuss finances across the generational boundary without causing distress.
The Workshop
Attended the Family Finance Conversations workshop. The scenario card exercises on ageing parent situations were described as "the most practically useful two hours I have spent in a long time."
The Outcome
Used the conversation guide to structure an initial discussion with the parent over several weeks — slowly, without pressure. Described the change as moving from "not knowing where to start" to "knowing what to say first."
Trust Markers
What Grounds Our Programmes
No Advisory Services
Yondrix does not hold a financial advisory licence and does not offer regulated financial services of any kind. All programmes are educational only.
PDPA Compliant
Participant data is handled in accordance with Singapore's Personal Data Protection Act. Contact information is used only for programme administration.
Cohort Privacy
What is discussed within a cohort session remains within the cohort. Facilitators do not share participant observations or questions outside of the room.
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