“1987” Author: When Time, Energy, and Money Flow in Harmony – Life Naturally Flourishes

Investment Mindset of the Passion-Driven Individual

With nearly two decades in writing, Ngọc Nick M – author of the “1987” series, “1987+: 30 is Not Yet Tết,” and “Backpack on the Red Carpet” – has traveled to over 25 countries, meeting countless individuals and transforming each journey into a “life asset.” He believes that the most valuable asset in life isn’t money, but experiences and knowledge – which can generate returns when managed wisely.

“I used to think experiences were just emotions. But as I’ve grown, I’ve come to see them as investments – when you put effort, time, and passion in the right places, the value far exceeds any number,” he shares.

Born in 1987, Ngọc Nick M is not just an author but a multimedia storyteller. He writes, creates content, takes photographs, organizes workshops, and runs Montauk by LP Club – a creative community for ambitious young people. He once said, “The world out there will forever be someone else’s photo if you don’t step out and tell the story through your own eyes.” For him, writing isn’t just a profession; it’s a way to create value – where emotions, time, and finances transform into creative energy.

Montauk by LP Club – a creative community for young individuals

Ngọc Nick M embodies the free-spirited creative generation, working anywhere, connecting limitlessly, and finding inspiration in life. Having studied in the Netherlands and lived in Singapore, he’s witnessed how young people internationally manage finances – not just to spend, but to buy time and freedom. “I’ve learned one thing: money should be a tool to help you live better, not something that limits you,” he says.

When Money Flows with Creative Spirit: Leading the Profit Trend

According to the author of “1987,” the financial mindset of Vietnamese youth is shifting dramatically: from “saving to survive” to “managing to thrive.” This change is evident in how they make money work for them – through investing, flexible saving, or simply choosing smarter spending tools.

“I see something very interesting in this generation: they’re not afraid to spend, but they always want to understand what they’re spending on and what they gain from it,” he notes.

Ngọc Nick M believes that in the digital age, smart personal finance management is a form of creativity. When you use technology to control spending, optimize cash flow, and seize profit opportunities, you’re creating within your own financial life.

As someone who frequently works across borders, he understands the importance of maintaining a flexible yet profitable cash flow. “I used to keep pending funds in a regular checking account for convenience, but that money barely earned anything,” he recalls.

Everything changed when he experienced the new profit trend with VIB’s Profit Duo, comprising the Super Interest Account and the global VIB Smart Card. “My pending funds now earn daily interest of up to 4.3% per year. Combined with the VIB Smart Card – offering up to 5% cashback on online spending – the total benefit can reach 9.3%. Money no longer sleeps; it works to generate returns,” he shares.

“I’m someone who loves experiences, so the balance in my Super Interest Account fluctuates constantly, yet the interest I earn remains secure. Keeping money in the Super Interest Account isn’t restrictive because I can spend or withdraw it anytime I need,” he adds.

VIB’s Profit Duo: Super Interest Account and Global VIB Smart Card

He particularly appreciates the personalization of the VIB Smart Card, which allows users to print a Gen AI-generated portrait for a unique touch. For him, this exemplifies technology serving humanity – where financial products not only meet transaction needs but also align with individual lifestyles.

“Creatives and travelers like me need flexibility. The VIB Smart Card lets me make global payments, from purchasing image rights and plane tickets to personal spending, all while earning cashback. It helps me move freely without interruptions,” he says.

Global VIB Smart Card

Investing Isn’t Just About Money, It’s About Mindset

Ngọc Nick M doesn’t separate finance from creativity. For him, both require an investment mindset – knowing how to use limited resources to create long-term value. His café, Montauk by LP Club, operates as an experience ecosystem, serving as a creative space, content production hub, workshop venue, and community connector…

He divides his personal finances into four clear parts: 40% for operations and emergency funds, 30% for personal and professional development, 20% for long-term investments, and the remaining 10% for emotions. “I believe that when finances are managed tightly, emotions can be free. Creativity also needs discipline,” he says.

That’s why he trusts and uses smart, creative financial products like VIB’s Profit Duo – which not only helps save, spend, or earn but also inspires proactive living.

“Just like writing books or opening a café, I see choosing the right financial tools as an investment in myself. When you control your personal cash flow, you control your life choices,” he shares.

Experiences, Knowledge, and Cash Flow – Three Sources of Returns

For Ngọc Nick M, “returns” aren’t just about interest rates or numbers; they’re about turning experiences into knowledge, knowledge into opportunities, and opportunities into value. He believes: “Today’s youth have more opportunities than ever, but to not lose themselves in the hustle, learn to align time, energy, and money. Then, you’ll see everything around you can generate returns.”

As an author, content creator, and communications expert, Ngọc Nick M has published several books, including “1987,” “1987+: 30 is Not Yet Tết,” “Backpack on the Red Carpet,” and “Old.” He views each book as an emotional investment project – where life experiences, professional insights, and finances converge to generate sustainable returns.

“1987” by Ngọc Nick M and other authors

Ngọc Nick M has traveled to over 25 countries and territories, spending tens to hundreds of millions of dong per trip, totaling about 1.5 billion dong, according to him. His most expensive trip was a summer in Italy – where he wrote “Backpack on the Red Carpet.” Seven years later, the book is still inspiring young people, especially journalism students, as a testament to self-reliance and passion. For him, every journey yields returns in its own way. Like his trip to the Netherlands – which inspired him to write “1987.” The book sold over 21,000 copies, was reprinted seven times, and became a publishing phenomenon for the 8X generation.

For the dynamic, creative, and travel-loving youth, Ngọc Nick M is a living testament to a modern philosophy: when you manage your finances wisely, every experience can generate returns – both in your wallet and in life.