Last week, I officially passed my PhD viva. Saying it out loud still feels surreal, and yes, Alhamdulillah, I did it! Three years of hard work, late nights, “no weekends”, and countless moments of self-doubt have finally led to this moment.
When I first decided to pursue my PhD, many people asked me, “Why?” Some asked, “Do you really have to? …” But deep inside, I knew this was something I really wanted to do, not to prove anything to others, but to continue investing in myself, to grow, and to become a better version of me.
These past three years were far from easy. Between managing my work, family, and personal commitments, there were days when I felt completely drained. I had no weekends. I wrote my thesis in between appointments and meetings, during festive family get-togethers and when everyone else was asleep. I remember questioning myself many times: Why am I doing this? But every time I felt like giving up, I reminded myself of my purpose. I wanted to contribute something meaningful. I wanted my research to make a difference.
My PhD research was titled “Managing Malaysian Muslim Frozen Estates from the Perspective of Legal and Administration.” This topic is very close to my heart because I’ve seen, firsthand, how Muslim families suffer after the passing of a loved one — not because they lack wealth, but because their estates were not properly managed. The result? Frozen assets that could have benefited their families are left unclaimed for years.
Through this research, I gained a much deeper understanding of the real challenges: the legal complexities involving dual legal system, administrative delays, cultural taboos and emotional pain that families go through. It also strengthened my motivation as a financial planner to educate more Muslims about estate planning, to help them avoid the same fate, and to ensure that their hard-earned wealth continues to serve their loved ones. This topic isn’t just an academic interest for me, all I can say is – it’s a calling!
Throughout this journey, I also realised how important it is for women, especially, to keep learning and to be financially independent. As women, we often carry so many roles — daughter, wife, mother, caretaker that we sometimes forget to invest in ourselves. But knowledge gives us confidence. It allows us to make better decisions, to protect ourselves and our families, and to stand tall no matter what life brings. Financial independence, on the other hand, gives us freedom, the freedom to live with dignity, to help others, and to plan our future without fear.
This PhD is not just a title for me. It’s a reminder that it’s never too late to learn, to grow, and to pursue what sets your soul on fire. I hope my story inspires others — especially women- to keep going, even when the road feels long and uncertain. Because every small step you take towards improving yourself will eventually lead you to something greater than you ever imagined.
To everyone who has supported me, my supervisors, family, friends, and colleagues, thank you from the bottom of my heart. This milestone is not just mine; it belongs to everyone who believed in me. I really appreciate the presence of all of you. For those who are still on their journey, remember, the best investment you can ever make is the one you make in yourself.
What’s Next for Me?
Having completed my PhD, my next milestone is to translate research into real impact. I plan to continue my mission of educating the public about Islamic financial and estate planning, focusing on awareness, accessibility, and empowerment. Through ERA Advisory, I want to bridge the gap between academic knowledge and practical solutions — to turn research insights into action that helps real families.
Beyond that, I aim to develop educational programs, talks, and training modules that equip more financial planners, educators, and the public with a proper understanding of wealth management and estate distribution in Islam. I also hope to write and publish more, to share stories, lessons, and reflections that can inspire others to keep learning, regardless of age or background.
Because learning doesn’t end with a degree. It’s a lifelong journey — one that shapes our mindset, strengthens our faith, and empowers us to serve others better.
Doakan for me to these new beginnings, continued growth.