Breakdown of my epf monies after withdrawal :

bike/car maintenance: 400
health emergency: 300
petrol backup : 200
grocery backup: 300

2 months backup
room rental: 800

2 months backup monthly
expenses: 800

phone/telco backup: 400

friend/collegue/sibling borrow money: 500

savings for new bike/car : 600
dating/etc money: 400
money give parent: 800
insurance : 200

health supplements/ some
stray cat food: 300

hutang: 2000

total rm8000 - ngam² for my epf acc3 withdrawal

*this my own list. single person. after mco, i lose all my saving. all the above list i dont have. now only spend how much i can earn. using very old bike/2nd hand phone always spoil 😞. no more dating. everyday cook own food. only buy 1mix rice, drink during hot day-rm9.

initial i thought the money can last 2 years. probably last a year only. now very regret last time lazy, didnt study hard,properly. now stuck in low paying job. i tried study part time, while work, but cannot cope.. 😞. see la if can get better paying job in coming months. if ur short on cash, my advice, plan very properly, bcs u shd already know what are the future expenses