property investor



“It was my lucky break: ass, not class!”

Having sold my car dealership business, I am currently semi-retired, working on various property development projects.

From early childhood, I developed a drive to earn money. My dad and I lived in a one bedroom apartment, and instead of a car, he had a motorbike with a sidecar. We’d go camping, with our little old tent wedged between the bike and the sidecar, and I noticed other families arriving with cars and trailers, and bigger tents. We’d go walking and I’d note the lavish holiday homes we encountered.

All these things triggered something in me, and I became very materialistic from a young age, a trait that guided much of life – perhaps not for the best.  Continue reading



“Wealth building happens outside of the 9-5”

I am a property investment coach.

I wasn’t a very good student in high school, mostly because I had a very difficult relationship with my parents: we didn’t get on at all. Home life was a constant struggle, which overflowed into my school life. I barely graduated.

After school, I went straight to the army for my compulsory military service. I didn’t like the army either. I mean, it’s not like I was expecting to get a nice ‘thank you’ – I realized I was doing my duty – but the commanders went out of their way to abuse and humiliate us, which cut too close to the bone, reminding me of home. Continue reading



“And the more I looked at it, the more I saw: yes, it is a winner! It’s genius!”

I run a RAMS Home Loans franchise.

In year 12, I had two different music teachers: one of them was horrendous and one was really good. So I decided there should be more good music teachers in the world, and I would become one of them. I liked music enough, and didn’t know what else to do with my life, so that seemed like a good idea.

I did a year and a half of a primary school teaching course, which ended up being a disaster. Whilst I was OK at the academic part of it, I found out during the practical components that I was no good with kids! After failing the teaching round, I left and joined my dad’s business, installing electronics like security systems, antennas and home theatre systems. Continue reading

Property Investor tina koh on the porch of her bayside home


“The accounting course is our date night: I’m always looking forward to Wednesdays!”

I am a property investor, a dental clinic manager, a student  and a mother.

Even while I was studying for my a Bachelor’s degree in Science and Commerce at the university in Auckland, I knew that I didn’t want to sit in an office 9-to-5. I thought there had to be something more than that. It got me thinking about financial freedom and wealth.

I also had other reasons to think about financial independence. I lost my dad to cancer when I was 18. After his loss, I went through depression – it was my lowest point, and my family’s.

When he passed away, the stability of my family was lost. He was a successful businessman, and everyone depended on him. With him gone, I watched my mother and siblings really struggle to get through life and its challenges. Continue reading