Get ready for fuel HIKE!

Change the engine, install railing, spray job will be good too.

AS1M just finished last month methinks. If you dont plan on buying a house in 5 years u can start investing in mutual funds. Else just stick to FDs or if you have children, put RM3000 in SSPN to get the tax break.

I listed down my short term and long term goals. E.g currently we're expecting a baby and I'm saving money to pursue my Masters in the UK.

A portion of my extra money goes to baby fund in my current account (not investment, just emergency funds) and a portion of it goes to my GBP account (not investment, just hedging against currency exchange rate). I'm pushing pause on my long term goals (investing for retirement and children) to pile up money for baby, and will resume after baby's born

You're 24? Then you can start preparing 3-6 months of emergency funds in a liquid account (e.g high interest-bearing savings account - somewhere that u can withdraw without penalty). After that you can start saving for wedding, your first house, your replacement car (you dont plan on driving that wira forever do you ) whilst putting around 15% away in long-term investment (I personally like mutual funds and real estate, other people may like businesses and stocks ).