my few cents advise to those who looking for some advices

1. Save a portion of your monthly income (many books mentioned this pay yourself first) put a side of 10% every month..... as this will help to create a saving plan after some time.... of course, if you income bracket is higher, then can put more % ...

2. Start reading financial knowledge books to equip yourself, this is fundamental to build your financial management and also exploring type of investment you plan to venture in....of course, not everyone sails smoothly, it need time to obtain the experience and knowledge before you have certain level of confident....


3. Cut down unnecessary expenses, debts, this will streamline your expense behaviors and moving forward to the right direction, as debts can be the big barrier, house and car are the most expenses you will pay in your life time..... as both can be very substantial if you are pursuing more comfort and luxury life style.....
i doubt people now can live with small car and small house, all wanted a decent car and house for some reason behind, be it to impress people, friends, families, relatives ..... to have more spaces, features, enjoyment.... etc......

talking about car, most of us who have start with family will have at least 2 cars..... and once graduate or some even not yet graduate, already having a car as transportation...... they will not think of bicycle, motorbike as a transport..... reason probably safety, uneasiness when raining etc....