Hi all, I was wondering if anyone can help us to further save more and maybe earn more

Husband and i both 32 years old, SPM and working in Private Sector.
I work in finance sector, non bank
Husband work in property sector.

Breakdown

My Salary - 3968.1 (after deduction)
Husband salary - 2472.25 (after deduction)

I
Monthly deduction
Car - 471 (Axia, 7 year loan, ending March 2023)
Phone bills - 250.16‬ (combined)
Internet -147.34 (no choice, only Time in the place im renting,and i signup before they changed the package pricing  )
PTPTN -101.07
PL loan -382.53‬ (4 more years left, ending May 2024)
Rent  -1100
Insurance -221.7
NETFLIX -51
Spotify -22.9
Allowance -1300
Groceries -300
Wahed - 200 (total invest atm 600)
SAMY  - 300 (total invest atm 760)
Variable - 300 (for others such as, shopping, leisure etc)
Bal : 1,292.66‬

Cash in hand currently 7,662.85‬ (6k will put in ASB soon, the rest for emergency cash..currently only RM100 there, no loan)
My KWSP = 95,269.77‬
Hubs KWSP = 40,577.37

Long story short, we had a business before and didnt go well.
We just paid all the mess in Feb except for that 1 PL loan left
Also, we never knew how to save anyway due to no proper guidance.
We learn the hard way and now want to start from 0

Currently, both husband and I took the 7% EPF. I figure to put in ASB so our salary is + 442.3
I request to withdrew from KWSP I-lestari RM500 too, again this is to set aside cause both of us in high risk industry. So this will increase us to+500
(If all goes well, i pump it back in KWSP in Jan 2021)

I want to build the 6 months emergency funds in ASB and thought we could achieve this by end of year, but Covid happens and we are uncertain in the next few months if we still have job

I was thinking to do side job but husband dont quite agree. He asked to focus on full time work and dont want things to happen again in the past.
Also we quite comfy with current lifestyle

We dont have kids yet. Planning to buy house in 3 years down the road, as we want to build wealth first.
both parents well, dont need help from us.
Occasionally go out and belanja them dinner, normal place nandos or somewhere similar level, nothing fancy

I know we started late, but we are looking forward for any advice or comments on how we can build our wealth
TY

Hi all,

Looking for some advice building wealth as a young person.

Age: 23
Nett Pay: 4000 ( been working for about half a year)

Monthly Expenses:
Rent:                            1200 (Rent is very high because I work in KL and prefer to live nearby, rather than being in the car for 4 hours per day)
Food:                            600  (Every month since living alone have to buy groceries)
Phone bill:                      60
Other bills:                    130 (Electricity, Water)
LRT:                                60
Entertainment:                200
                                -----------
                                  2,250

Monthly savings: 1,750

Cash in hand:                21,000 (In a high-interest rate savings account)
ASM:                            1000
EPF:                            7000

Total Assets: 29,000 (although I don't like to count EPF as an asset at my age, what do you all think ?)

No outstanding loans.

I know the rent is high, but I don't pay for any petrol or car loan in this scenario. I do take grab sometimes but rarely.

Really appreciate any advice on how to improve my financial standing or grow my wealth.

Thanks in advance for all the help.

What is the difference with SA MY?

Im under the impression once u invest in foreign entity, essentially they are in foreign currency

Any RM drop will result in increase in the investment

I think their asset allocation is different between SA MY and SA SG. I am invested in both. Currently treating SA SG as a place to park my SGD.