Car Loan or Housing Loan – Which One Would I Pay Off First?

Meet Ben. Ben is a 30-year old engineer making RM 8k a month. He has a car and a house. He bought his car 5 years ago with a 9-year car loan

Which Should I Buy First: a Car or a House?

Today, I’m in my mid-30s. As I look back, where I am financially today was shaped by what I did in my 20s. So, if you are reading this and are

Am I a Tax Resident in Malaysia?

Once again, it is the season of filing our taxes for income earned in 2022. So, for those who work as an employee and do not own a business, the

9 Places to Park Excess Cash Other Than FDs

Let’s say, I have RM 50,000 in excess cash. I intend to have them as my emergency fund. In other words, it is money, which I could certainly have access to

5 Blind Spots of Saving Money (and How to Overcome Them)

“I don’t make enough money.” This could be the most common reason people find it challenging to save up some substantial money. If this is you, please stay on and let me help you unveil some blind spots. When you strive hard to increase your income, you will have to take care of the “savings” side and integrate it into your lifestyle and habits. So if you can save money when you are not making much, I am sure you will be able to save much more when you are actually making more! Let’s get to understand the blind spots and how to tackle them.

4 Impact a Car Purchase Could Make to Your Financial Life

Here is a case study: Meet Wayne, a 25-year old executive based in Kuala Lumpur. He earns a decent salary of RM 4,000 a month. Presently, he plans to buy himself

How to Finance the Purchase of Your Next Car?

Lately, I hosted a webinar with KC Lau on purchasing a car. Out of which, we did touch on a few highly debatable issues on financing the car purchase. As

How I Get to Use a Sports Car Literally For Free

Let me tell you the story of how a flat tire affected my finances. In the end, I share how I could use a sports car literally by paying nothing for it.

5 Money Traps to Avoid in Your 20s

Hi, I’m Ian, a content producer of KCLau.com, an online platform that advocates financial savviness among Malaysians. Over time, I realised that there are many people, especially millennials today, who

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