Editor’s note: Victor has been hearing impaired since birth. He shares his financial planning journey with 360F, especially on how 360F’s scoring tool, 360-HappiU^® can support disability inclusion.

Thank you for accepting the interview. Could you introduce yourself to our readers?

I am 28 years old and currently working full time in marketing. I suffered from deafness since young. While I have faced challenges with audio communication, it has made me highly independent as I seek to take control over my finances.

How does your disability affect the way you plan your finances?

My hearing loss makes employability and career prospects challenging. Hence I must be very clear of my financial goals and set realistic action steps to fulfil them. In the earlier years, however, financial planning information and guidance were not readily accessible, so I had to rely heavily on my financial advisor(s) to track my progress ….