The best advise so far

I help u summarize in 4letters (and 4 words)

YOLO - you only live once

The main point:

- gamble: use gamble as leverage, never try never know
- be positive n entrepreneurship: anything happen in near future, u still have the car to earn by using uber or grabcar to earn income

- dun invest if u dunno how to invest: the gold bar. Might as well do something u enjoy rather than investing to lose money

- let tomoro worry itself: why think of tomoro that is uncertain? Heck u dun even know what is gonna happen. If u dun do now,u might never will

- dun worry be happy. The money is to be spent to make u happy. Keeping it as digits in bank account doesnt represent happiness. It is just numbers.

Rm150k cars, i assume is accord or camry or equivalent

At least the wife is happy when go to hospital and new baby can feel the nice car