HakiReview.com gives you honest, clear answers to the money questions most people are afraid to ask. No jargon, no financial industry spin, no advice designed to sell you a product. Just real analysis of the decisions that shape your financial life — written in plain English for people who want to understand their money, not just follow instructions about it.
What We Write About
Every article on this site falls into one of three categories. Money Decisions covers the questions with no single right answer — should you rent or buy, pay off debt or invest, get a new car or keep the old one. We work through the actual numbers and the factors that matter, so you can make the call that’s right for your specific situation rather than following generic advice designed for someone else.
Money Explained covers the concepts, products, and systems that affect your financial life whether you understand them or not — how tax brackets actually work, what compound interest really means, what happens when you declare bankruptcy, how to read a pay stub. These aren’t optional pieces of knowledge. They’re the operating system of your financial life, and most people were never taught them.
Money & Behaviour covers the psychology of financial decisions — why smart people consistently make poor financial choices, why we buy things we don’t need, why we procrastinate on financial tasks we know matter, and how to design better financial habits that work with human nature rather than against it. Most financial problems aren’t knowledge problems. They’re behaviour problems. This is where we address them.
Who Writes This
HakiReview.com is run by someone who spent years working in data and analytics — which means approaching personal finance the same way a good analyst approaches any problem: with actual numbers, a scepticism toward conventional wisdom, and an interest in what the evidence actually shows rather than what sounds reassuring. That background is why you’ll find real figures and honest trade-offs here rather than motivational generalities.
This isn’t a site run by a financial planner, a licensed advisor, or anyone with a vested interest in selling you a product. It’s written by someone who has navigated the same financial questions the articles cover — retirement accounts, debt decisions, housing choices, insurance trade-offs — and found that most of the available advice either oversimplifies or talks around the actual decision. This site tries to do neither.
The site is based in Singapore but written primarily for a US audience, where the most-searched personal finance questions are and where the data is richest. The underlying principles — how compounding works, why people overspend, how to think about debt — are universal regardless of where you live.
What We Don’t Do
We don’t provide personalised financial advice — nothing here should be taken as a recommendation specific to your circumstances. We don’t accept payment from financial product providers to recommend their products. We don’t run advertiser-sponsored content. The only financial relationship we have with readers is that we run display advertising, which means high traffic keeps the site running. That’s it.
We also don’t pretend there’s always a single right answer. Most genuinely useful financial questions have answers that depend on your situation, your risk tolerance, your values, and your goals. We try to give you the framework to work out the right answer for you — not just tell you what to do and move on.
Get in Touch
If you have a question you’d like us to cover, feedback on something we’ve written, or a correction to flag, reach out at petersong@hakireview.com. We read every email even when we can’t reply to all of them.
