Landlord Uncle Wong Knowledge Chief

Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months expenses in a normal savings or a money market fund you can withdraw fast. Investing without a safety net means you sell at the worst time when emergency hits. Step 2, sort your high interest debt (credit card) first, no investment beats paying off 18% card interest. Step 3, THEN start simple: for low risk, ASB/ASN or EPF voluntary top up (tax relief bonus). For growth, a low cost index fund or ETF tracking global or US markets via a platform like a local robo-advisor or brokerage. Start small and consistent, RM200-300 monthly, dollar cost averaging. Avoid crypto and hot tips until you understand risk, and NEVER trust anyone promising guaranteed high returns, that is 100% scam. Boring and consistent beats exciting and broke. Time in market beats timing the market at your age, you have decades of compounding ahead.