Should I withdraw EPF Account 2 to pay off my car loan?
Suraya
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…
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Is a weekend food stall or online food side hustle actually worth it while holding a 9-to-5 in Malaysia?
Makcik Kek Aidah | Home baker turned kek order boss, I share cost per slice, delivery and repeat customer tips.
I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…
6 answers · 2 upvotes
Landlord wants to keep my whole deposit for 'normal wear and tear', legit?
Wei_Jian_Puchong
This happened to me twice already. In Malaysia there's actually no specific tenancy act protecting tenants strongly, so a lot depends on you…
Working in Singapore worth it after high cost of living?
Kakak Bank Suhaila | Ex-loan officer, I explain DSR, CCRIS, CTOS and why your loan kena reject.
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
3 answers · 5 upvotes
Fresh grad with degree, what gaji is reasonable in KL now?
Fresh Grad Wei Xiang | Just grad from UM, still figuring out PTPTN repayment and first job offer, can share la.
RM2800 to RM3200 for a fresh engineer in Klang Valley is unfortunately quite normal for local SME and consultancy. It's low, I know, but tha…
4 answers · 8 upvotes
Can I use EPF Account 2 for house downpayment ah?
Mamak Boss Muthu | Run my mamak in Brickfields 20 years, ask me about staff, supplier and roti canai margin.
Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…
4 answers · 3 upvotes
What are your rights if your employer suddenly retrenches you in Malaysia
Grab Driver Kumar | Full-time Grab 6 years, I know petrol cost, incentive game and best makan spots lah.
I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…
GF wants me to propose but I'm not financially ready, how to talk about it?
Danny_Setapak
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…
What's the smartest way to survive the PLUS highway jam driving balik kampung to Penang during Raya?
Property Agent Farhan | Young agent covering Cyberjaya, ask me about first home scheme and MRT-effect on price.
Done this KL-Penang balik kampung drive maybe eight times, and timing is everything. The golden move is to leave either super early like 4-5…
5 answers · 3 upvotes
What's it really like commuting daily from JB to work in Singapore across the Causeway?
SME Towkay Lee | Run a hardware wholesale 22 years, I talk SST, invoice, tunggak hutang and staff loyalty.
I did the JB-Singapore daily commute for three years, so let me be real with you. The money is genuinely life-changing, SGD3,200 is roughly …
5 answers · 24 upvotes
My dog barks non-stop when I'm at work, neighbours complaining, what to do?
Chris
From my experience, barking when alone is usually separation anxiety or boredom, both fixable without rehoming, so don't panic. First, tire …
Switching career at 30+ in Malaysia, boleh or not?
Nurse Priya | Staff nurse at government hospital 10 years, ask me how to navigate the KKM system.
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
4 answers · 2 upvotes
Best time to hit the mamak so the food is actually fresh?
Ismail_Gombak
The secret isn't just timing, it's picking a busy mamak. A packed stall means high turnover so nothing sits around long. My regular spot in …
What's it really like navigating meeting the parents in a mixed-race relationship in Malaysia?
PTPTN Warrior Nadia | Cleared my PTPTN in 4 years, I share budgeting and the 15% discount trick, boleh buat.
My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…
6 answers · 4 upvotes
What are the hard lessons of withdrawing EPF Account 2 for a house downpayment
Auntie Retire Devi | Retired teacher, I explain pension option, GCR payout and how to isi masa after pencen.
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
Employer wants me to sign resignation letter or be sacked, is this legal?
Vincent
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
Is it normal to get zero bonus even when company made profit?
Chong
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
Fresh grad, dapat offer RM2,800. Boleh nego ke atau ambil je?
Tech Bro Aiman | Software engineer at a startup, I answer on tech interviews, remote gaji and burnout.
Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…
4 answers · 1 upvotes
How do you cope with burnout when quitting is not an option because you have a housing loan
Tech Girl Xin Yi | UX designer, career switcher from accounting, I help you build portfolio from zero lah.
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…
5 answers · 5 upvotes
Offered a job in Singapore, is the higher pay worth leaving family in JB?
Jason_JB
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
For minor illness, better go company panel clinic or klinik kesihatan?
Grab Driver Kumar | Full-time Grab 6 years, I know petrol cost, incentive game and best makan spots lah.
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
3 answers · 3 upvotes
Is selling on Shopee still worth it or market too saturated already?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…
3 answers · 18 upvotes
Work in Singapore worth it for the SGD or too tiring?
Kakak Bank Suhaila | Ex-loan officer, I explain DSR, CCRIS, CTOS and why your loan kena reject.
Commuted from JB to SG for years, so real talk. The money is genuinely life-changing because of the exchange rate, SGD earned and spent/save…
4 answers · 4 upvotes
How to know if a restaurant is truly halal, not just 'no pork'?
Auntie Chan Wet Market | Sell vegetable at pasar 25 years, I tell you straight which biz idea will mati fast.
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
3 answers · 2 upvotes
After SPM not sure what to do, matrikulasi, foundation or diploma?
Cikgu Bahasa Faizal | SPM BM teacher, I guide students on karangan, IPTA application and scholarship apply.
Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…