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I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…

Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…

I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actua…

What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …

I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …

We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …

RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…

Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…

Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…

Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …

Mamak tu institusi sosial Malaysia bro haha. Appeal dia: buka lewat (kadang 24 jam), murah (teh tarik RM2-3, roti canai RM1.50-2), dan tak a…

Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …

Checklist beli kereta terpakai di Malaysia: (1) Semak geran (VOC) betul, nama penjual match IC dia. Kalau geran masih under bank (belum sett…

Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…

For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…

I stay in a PR1MA in Selangor going 3 years now, sharing honest experience. Pros: I bought at below market price, and monthly instalment che…

Adopt don't shop, respect la for that. I got my two from SPCA Selangor in Ampang and also there's PAWS in Subang, both legit and the cats al…

From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…

Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…

The trick is do your homework first. Check the range on JobStreet and Glassdoor for that role and your years of experience. When they ask, g…

Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …

Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…

From my experience, at 40 getting screened is a great move regardless of where. If you qualify for PeKa B40 (for eligible B40 aged 40 and ab…

Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…

I bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…