Patrick YC Lim has extensive experience with over 30 years in business across several industries, from different capacities in finance, marketing, sales and management. Patrick provides financial coaching to help people starting in their career and those in a financial "mess" with the mindset and new money habits to move from "minus to plus", from financial debt to a surplus. "Minus to Plus" is a program written by Patrick himself based on his experience and principles to get out of a debt situation to financial surplus. He himself achieved financial freedom more than two decades ago, with several sources of passive income and coaching as a passion income. He has since coached countless people in the areas of finance, property investment and life. Patrick's philosophy is: "Success is not what you know; success is what you do with what you know."