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Hi Everyone, my name is Ernest, I started this personal finance knowledge hub to help people learn about financial literacy so they can manage their personal finance, invest better and have financial freedom we all dream off and want. I've 21 years experience as an Accountant and owns multiple businesses. Coming from a minority background and from the lowest of lowest in term of my family, but managed to climb up, I understand and can relate to people struggling with Financial literacy. Understanding the 4 pillars of personal finance is crucial for financial independence. After college I went on to do Accountancy qualification. Afterwards went back to Uni to obtain an MBA in Financial Strategy and currently doing a Ph.D in Finance to help broaden my expertise in the field and add to the body of knowledge in the field. I'm the founder and CEO of Idowaz Technologies.