Three Programs, Each Focused on What Matters Most at This Stage
Duang Chai offers three carefully developed financial education programs. Each one addresses a specific area of financial understanding relevant to adults 40 and older living in Thailand.
â Back to HomeHow We Structure Every Program
Each course follows a consistent educational structure designed to build understanding progressively, allow for real questions, and produce takeaways you can use immediately.
Context Setting
Each session begins with a clear explanation of the topic's relevance to participants' specific life stage and Thai financial context.
Core Concepts
Educators introduce key ideas clearly, without jargon. Concepts build on each other, and pace adjusts to group readiness.
Practical Application
Participants work with actual toolsâtrackers, comparison tables, or planning frameworksârelevant to their own circumstances.
Open Q&A
Every session includes structured time for questions, reflection, and discussion. Nothing is considered too basic to ask.
Expense Tracking Bootcamp
Knowing where your money goes each month is the foundation of everything that comes after. Many people who have spent decades earning have never had a structured system for thisâand the absence of one often leads to quiet, persistent financial anxiety. This program addresses that directly.
In one focused day, participants move from vague awareness to a clear, workable system suited to their own spending patterns and comfort with technology. Both manual and digital approaches are covered.
Morning: Understanding Your Spending
An honest look at current habits, common spending categories in Thai household contexts, and why consistent tracking matters more than willpower.
Midday: Building Your System
Hands-on time to design a personalised category structure and choose tracking toolsâdigital or manualâthat match each participant's daily routines.
Afternoon: Making It Stick
Setting a sustainable monthly review habit, reviewing example reports, and discussing common challenges that cause tracking systems to break down.
Gold & Precious Metals Awareness
Gold holds a particular place in Thai financial culture. Many households have accumulated physical gold over the years, yet relatively few people have a clear understanding of how it compares to other ways of holding a position in precious metals. This program fills that gap with an honest, educational approach.
Across two full days, participants develop a thorough understanding of the Thai gold market, how physical gold shops operate, what gold savings accounts offer, and how exchange-traded alternatives compare. No particular approach is promotedâparticipants leave equipped to evaluate their own situation.
The Thai Gold Market
Understanding how the Thai gold market works, how pricing is set, the role of the Gold Traders Association, and the difference between jewellery gold and bullion-style gold bars. Includes a structured review of how to read gold prices and assess a transaction.
Alternatives and Comparisons
Gold savings accounts offered by Thai banks, their terms and typical returns. Exchange-traded gold funds available on the Thai market. An honest comparison of approaches by liquidity, accessibility, risk, and costâso participants can place physical gold holdings in a broader context.
Pre-Retirement Comprehensive Planning
For adults within 10 to 15 years of when they intend to stop working, this is the program that asks and works through the questions most worth asking. How much will you need? What does drawdown actually look like? What role do healthcare costs play, and how might they grow? How does your lifestyle vision connect to your current financial situation?
Six sessions over one month give participants time to absorb and reflect between meetingsâand to return with questions that emerge from living with the material, not just sitting in a room. Every participant receives a detailed written plan summary at the conclusion of the program.
Financial Foundations
Current financial position, asset overview, income sources, and a structured look at what retirement actually costs in Thailand at different lifestyle levels.
Projection and Planning
Income projections, drawdown modelling, healthcare cost scenarios, and understanding what variables matter most over a 20â30 year post-work period.
Plan and Next Steps
Bringing it all together into a written summary, reviewing open questions, identifying areas where specialist advice would add value, and discussing how to track progress over time.
Choosing the Right Program
Not sure which program fits your current situation? Use this comparison to orient yourselfâand feel free to contact us for a personal conversation.
| Feature | Expense Tracking | Gold Awareness | Pre-Retirement |
|---|---|---|---|
| Best suited to | Anyone without a tracking system | Those with or considering gold holdings | Adults 10â15 years from retirement |
| Duration | 1 Day | 2 Days | 6 Sessions |
| Fee (includes materials) | ฿3,000 | ฿8,300 | ฿14,600 |
| Written plan included | |||
| Thai market context | |||
| Printable materials |
Shared Across All Programs
No Product Promotion
Educators present information objectively. No financial institution, bank, or product provider pays to be featured in our content.
Regularly Updated Content
All course content is reviewed quarterly against current Bank of Thailand data, Thai Revenue Department guidelines, and market conditions.
Complete Privacy
Personal financial information discussed during individual planning sessions is held in strict confidence and never shared with third parties.
Not Sure Where to Begin?
We are happy to spend a few minutes learning about your situation and suggesting a starting point. There is never any pressure, and an initial conversation is always free.
Speak With Our Team