Hi all experts/sifu,

This thread is amazing and i need advise for my current financial status and more wise planning as well:-

Age 28 now and start savings 2 yrs ago only...

Income
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Net salary = RM 4.3k++
Side income = Rm 500 ++
House rent = rm 600

Expenses
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Car = RM 800 (4 yrs more to go)
Insurance = Rm 800++ per year
Petrol = Rm 350++(Travel very far from house to office)
Food = Rm 300++
Entertainment = Rm 200 perhaps , nothin mucn entertainment, mostly is hanging out with fren for drinking or eating nice food
Gym= Rm 129
Phone = Rm 70
Parent = Rm 400 - 600 , depends as if that months got more side income, so give more to parent
CC = Rm 200 free interest becoz in BT and 8 more mths to go

Owning
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Property : Landed house 160k, collect rent mthly rm 600
Mutual Fund: 10k++ (Standing instruction: every mth deduct rm 100 from my account to this fund)
FD: 0
Saving accs : 5k++
Mom EPF: 10k (Invest on my Mum EPF account, higher rate ma..)

Expenses ranging max Rm2500 roughly

So monthly savings Rm2000 roughly

Any way to improve my financial? Regret start savings only last 2 yrs

im thinking to take my UT money since doesnt much improvement, but where i can invest to? Learning and monitoring share investment
but it seems require more money and quite risky for me now since i dont have much savings yet.

Any advise all sifu....?

Thanks in advanced