The Ultimate Easy E.T.H.O.S Towards Better Financial Status

Improve Your Personal Finance Status Within 5weeks!

Discouraged by the amount of capital you have till date?

Unable to have enough funds and money for retirement?

Unable to break free and meet month ends?


Worry not!


Hi, i am Melvin and i'm here to reveals the secrets to personal finances management with the unique system (E.T.H.O.S). i was able to upgrade my lifestyle from staying with my parent in a 5 Room HDB flat to moving into a landed which is worth $4.7million just within 2years. During the whole processes i was able to achieve consistent AA financial report despite having multiple loans from different banks.

i have never thought of moving into a landed, the dream was just impossible coming for an average Singaporean family. But after understanding the money mechanics and implementing the skillsets, many of my friends has been asking me to help them manage and improve their personal finances.

This is the The Ultimate Easy E.T.H.O.S Towards Better Financial Status. Where we teach you the management skills so that you don't have to fork out a single cent and waste your precious time on random financial agents.


In this 5 weeks coaching program, you will be able to manage your own finances without headache.

The Ultimate Easy E.T.H.O.S towards better financial status
E - Eliminating myths
T - Time value
H - Human economy
O - Observe
S - Skillset
Week 1: Eliminating money myths so that you can be worry free.
Week 2: Calculate Time value using easy tools to know life specific cycle situations towards your desire lifestyle.
Week 3: Step by step way on how to set personal financial goals towards freedom and understand Human economy
Week 4: Observe the power of future values concepts to understand impact on retirement plan.
Week 5: Learning about money managing Skillset and construct a budget so that you can pass down your assets to the next generation.


We usually charge a higher fees for live workshop but because this is our first online launch you get to learn at small fraction of the price that are similar to your regular Starbucks coffee!


Don't miss it out. we will see you soon!


Your Instructor


Institution of Hard Knocks
Institution of Hard Knocks

Institution of Hard Knocks is a company that teaches you money generating system and entrepreneurship skillsets where you can't learn in school.


Frequently Asked Questions


When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.