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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Retirement
How Much Do You Really Need to Retire Comfortably in Malaysia?
Ever wondered how much you really need to retire in Malaysia—without giving up your nasi lemak cravings or your peace of mind? Most people think it’s just guesswork or hope that EPF will somehow be enough. But the truth is, there’s a real way to calculate your number, beat inflation, and plan for the retirement you actually want. In this guide, I’ll show you exactly how to work out your “magic number,” avoid common pitfalls, and make sure your golden years aren’t spent worrying about money. Don’t let retirement catch you off guard—learn how to take control today.
The One Kind of Riches Even Billionaires Can’t Buy
One weekend, I met a new friend on a trip to Liuqiu Island. Everyone called him “Brother Hao.” We hit it off quickly, and before long, he invited me and
Lessons on Longevity: What I Learned from My 90-Year-Old Basketball Buddies
Ever since I moved to Taipei, my mornings have taken on a new routine—playing basketball with a group of elderly players who, despite their age, are sharper and more energetic
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.
Redefine Retirement: Lifestyle Design of the New Rich
Making Money is Addictive Felix Dennis, one of Britain’s richest self-made millionaires, once spilled the tea in his book How to Get Rich. He said, "If I could do it all
New EPF Account Structure: Innovative Solution or Retirement Crisis?
The Employees Provident Fund (EPF) is Malaysia’s go-to retirement savings plan, and it’s recently had a makeover that’s got everyone buzzing. The new structure divides your EPF savings into three
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