hi,im sorta a dummy to this.
previously i nvr seriously kept track of my expenditure vs income, that's all gotta change today onwards.
can someone recommend me a good app to use to track my finances,or would a regular excel sheet juz do?

Yes. It's an app/robo advisor

Yup. Medical card now 120k a year for my case. I've downgrade my insurance plan to 300/month. Where the death and Ci has been reduced to 100k each. Room n Board is 200 n 1.2m annual limit.

I have tried to consult with my agent. But he is those young hot blood that go for commission. So impossible to get a lower price quotation from him. Unlucky me I guess haha.