For this "Pay myself first"(PMF) strategy, should we take into consideration our deduction from EPF? Can the EPF deduction be considered PMF? Currently I do have some substancial savings even after taking into consideration my EPF deduction. I am thinking of more aggresive investments, but have held back due to uncertainty and fear of losing more money.

Currently I can safe approximately 50% of my current salary but it is effecting my lifestyle to a certain extent. This seems to be my "investing" strategy for the time being.

I am thinking of getting a house soon and will be going for a new car within next week. I will be borrowing Rm20K from the bank and was wondering between the 3 and 5 years loan, which one would make me more favourable for a home loan. Favourable here meaning getting a higher loan amount.

Car loan 20K:

3 years, every month = RM624

5 years, every month = RM421

Anyway just a quick Q, if you have RM3250 salary which one would you choose between the above. No other commitment at the moment.

I believe that anyone is replaceable. Just place a job ad in jobstreet and you can easily get 500 applications within a day or week.

Anyway, while the job is stable the salary may not be. If there are less customers, you may retain ur job, but your boss may cut the salary to maintain profit.