Stop Grinding So Hard and Start Building a Money System!
We’ve all been told that the only way to get rich is through "hard work." But honestly? Hard work is just the fuel. If you don't have a solid engine—a
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money management
I’m a Fresh Graduate in Malaysia. How Should I Manage My Salary Wisely?
So, you graduated and landed yourself your first real job. A month later, “Ka-Ching” - You receive your first salary. Possibly, it is the largest sum that you have ever earned or
How to Turn a Side Hustle into a Dream Job, Without Quitting Your Job, Even If You Worried About Stability and Failure!
Starting my career, I juggled multiple side hustles—from teaching piano lessons during university to performing at cafes and even diving into insurance sales. Each role taught me something invaluable, but it wasn’t until I stumbled upon blogging in 2006 that things truly took a turn. What began as a small passion project quickly grew into a platform that not only supported my family but also empowered thousands of Malaysians with financial education. But here’s the thing: it didn’t happen overnight, and it wasn’t always smooth sailing. Want to know the pivotal moment that changed everything for me? Let me tell you…
Ian’s Personal Financial Reflection for 2024
It’s my final article for 2024. Before I step into 2025, I like to pen down financial highlights and as well as some personal thoughts and lessons learnt throughout 2024.
Buy Insurance for “Retirement”
Here are screenshots received by KC Lau where the questioner asks of his views on her RM 12k a year investment into Dana Sejati: Source: KC Lau Here are some discussion points
How to Achieve True Happiness Beyond Material Wealth
This year, my 80-year-old father passed away. At the end of 2019, just before the COVID-19 outbreak, he contracted a severe lung illness with symptoms similar to COVID-19. He spent
5 Simple Graphs that Depict Our Financial Wealth
What is wealth? At this junction, most of us aren’t financially literate. Financial terms like assets, liabilities, equity, profit margins, cash flows, ... etc seem foreign. Coupled with a mixture of
Can You Choose to Retire at 45?
Now, let’s assume the following: You are 27 this year earning RM 5k a month. You spend RM 4k a month and this includes: 1. RM 1.5k a month in mortgage installment
EPF Account 3: Should I Opt For Its Initial Amount Transfer?
Finally, it’s here. Our EPF has been restructured to having 3 accounts: 1. Akaun Persaraan 2. Akaun Sejahtera3. Akaun Fleksibel From now onwards, our EPF contributions will be split based on this ratio: 1. Akaun