operation personal finance

We are a group of college students deeply passionate about helping you in your personal finance journey. We have closely helped 20+ people get out of debt and achieve true financial freedom.

Garret Chan’s story (President)

A Journey to Financial Freedom: My Passion for Personal Finance

My passion for personal finance didn’t ignite overnight. It was forged through a series of transformative life events, challenges, and triumphs that made me realize just how profoundly financial literacy can change a life.

Growing up, I observed the strain that a lack of financial knowledge could place on families and individuals. I saw talented people trapped in cycles of debt, unable to pursue their dreams or provide stability for their loved ones. These early experiences planted a seed in my mind: What if people had the tools to control their financial destinies?

But it wasn’t until college that my curiosity turned into a calling. At college, I was surrounded by peers struggling to balance tuition, living expenses, and their dreams for the future. I realized how little financial education was provided in schools, leaving young adults ill-equipped to make informed decisions. I wanted to change that.

I dove into studying personal finance—learning everything from budgeting and investing to understanding credit and debt management. But my passion wasn’t just about accumulating knowledge; it was about sharing it. I began leading workshops, collaborating with students to demystify complex topics, and showing them how simple, actionable steps could pave the way to financial freedom.

For me, personal finance is more than numbers; it’s about empowerment. It’s about helping someone realize they can pay off a credit card, start saving for their first home, or create a plan to retire comfortably. Every conversation, every success story reinforced my belief that financial literacy is a cornerstone of independence.

One memorable moment came during a workshop I organized. A fellow student approached me afterward, overwhelmed with gratitude. She had always assumed she’d never escape her student loans and credit card debt, but my guidance gave her a clear, achievable path forward. Her transformation wasn’t just financial—it was emotional, a newfound confidence that permeated every aspect of her life.

This is why I am so passionate about personal finance. I’ve seen firsthand how it changes lives, not only through financial freedom but also through the peace and possibilities that come with it.

For me, teaching personal finance isn’t just about helping others manage money—it’s about helping them reclaim their dreams, rewrite their stories, and embrace a life where they’re in control. Through my leadership and determination, I am not just spreading knowledge; I’m creating a movement. And in doing so, I’m proving that financial freedom is within everyone’s reach.