“The question that came to mind after several one on one sessions with Kif was….. why was this not taught in school?! Kif does a great job in recognizing and filling this void in our educational system. He is a natural teacher and can break down his materials into simple, and easy to grasp concepts. I got out of these courses the knowledge, skills, and habits that should have been taught as an adolescent. I am much more aware and conscious about my personal finances and now have the confidence to tackle the, once intimidating, Stock Market. I highly recommend this to anyone who’s willing to take full control of their finances!” – Ervin Tong, California.