On the evening of December 3, 2025, HVA Group broadcast HVA Finance Talk #3 on the HVA Fanpage, attracting a large audience of individual investors, young working people and the community interested in personal financial management. With the theme "When everything increases except income - Accumulate assets or accumulate worries?", the program goes straight to the very current worries: income is difficult to keep up with expenses, spending is driven by emotions and the pressure to "look good" on social networks, causing many people to fall into Money Dysmorphia - working a lot but not feeling like they "have" money.
Led by host Giang Mi (IR HVA) and guest Ho Trung Dinh - Director of HVA Multi-Channel Asset Management Center, the talk offers a practical roadmap: identifying behaviors, establishing an asset reference system, and converting cash flow data into disciplined actions.
From “earn well but worry a lot” to a disciplined cash flow map
The introduction explains why emotions become the biggest variable in the wallet. The “spend when tired” and “reward when stressed” loop creates a feeling of lack of control despite a high income. The key is to reverse the order of behavior: “save for yourself first” and then spend; make saving the default instead of what’s left after spending. When this principle is automated, each income immediately has a “destination”, reducing psychological friction and limiting emotional decisions.
The product frame of reference: structure first, emotion later
The program proposes a framework to help young people stand firm in the face of escalating costs:
- Target classification by term (precautionary – medium term – long term) so as not to confuse safety goals with profit ambitions.
- Automatic provision rate according to the income cycle, prioritize the reserve layer before discussing yield optimization.
- Disciplinary threshold for each layer (e.g. maintenance minimum, new conditions increased risk), thereby making the portfolio more resilient to market volatility.
The key point is not the “general formula”, but order of priority appropriate to the size of each person's resources.
From data to action with HVA
Different from slogan-based sharing sessions, HVA focuses on the “measure – see – act” cycle:
- Measure cash flow: Statistics of income and expenditure by behavioral group to see small but repeated amounts.
- See financial health: track savings rate, reserve ratio, personal leverage level.
- Disciplined action: set the rules of the game with automation, threshold alerts, and regular rebalancing schedules.
At HVA, Mr. Ho Trung Dinh and his team are building a multi-channel asset management infrastructure so that users know exactly where their money goes, why it goes, and have tools to bring cash flow back to the right asset accumulation target.
Case study by income level: “can do it right away”
To put the framework into practice, the program taps into three income contexts:
- Group 7–10 million: Prioritize building reserve layers, compressing repetitive expenses, and using the “save first, spend later” mechanism to establish routines.
- Group 20–30 million: add medium-term target layer, open automatic accumulation channel, start rebalancing principle.
- The first ~100 million milestone: multi-asset portfolio risk management (stocks – gold – currency), set rules to reduce risk when volatility exceeds threshold.
The message is clear: income scales vary, but priorities and implementation discipline must be clear.
Q&A: Ask directly - answer clearly
The lively Q&A atmosphere revolved around three concerns:
- Way escape the cycle of emotional spending when social pressure is getting stronger.
- Set up provision rate and appropriate discipline thresholds for each income context.
- Multi-asset portfolio operations to be sustainable in the face of change.
The answer focuses on measurable principles: target separation, cash flow automation, and keeping rebalancing as a “safety brake” for the portfolio.
Conclusion
HVA Finance Talk #3 achieved its goals: identifying Money Dysmorphia in young people, establishing a reference frame for wealth accumulation in the context of escalating costs, and introducing the “measure – look – act” cycle to turn cash flow data into long-term discipline. The enthusiastic participation of the audience and in-depth questions showed that the market is in need of real-life content – real data – real solutions.
Viewers can watch the show again on the HVA Fanpage. See you again in the next episodes of HVA Finance Talk — where the community learns how to accumulate less worries and more assets with the companionship of HVA.
