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 How to earn more & invest the very lil money u had, at least can become M40 lar

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MegaCanonF
post Aug 21 2025, 09:20 AM

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I know this is easier said than done, but .

to earn more - upgrade your skillset, certs, 2nd jobs, etc . tiktok/ editing video skills is good too .

be frugal and cut spending

avoid MLM/ get rich quick scheme . invest in relatively safe n low risk if you are still learning . anything promise >11-15% annual return yearly is a scam .

Gold- publicgold / kwsp /EPF / asb / TH

skip those high risk /medium risk first if you don't know what you are doing like stock market /etc . those can be learned with time. Even stuff like public mutual, avoid it since the agent commision fee is too high . learn to trade yourself .

avoid property investment like a plague. very hard to get it right .

Hope the best for you .

This post has been edited by MegaCanonF: Aug 21 2025, 09:23 AM
MegaCanonF
post Aug 21 2025, 09:54 AM

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QUOTE(heinlein @ Aug 21 2025, 09:34 AM)
Currently is doing the figma learning after work, have to rewatch it cuz first time I follow it blindly, rewatch to understand the logic behind it. Video editing is super stagnant like graphic design, too many designers too little demand.

I dun even know how to invest in low risk investment in tng. Btw, what is publicgold and TH? My cousin last time do public mutual and my mum super supportive promote non stop til all the siblings bought it. Few years later, i tok about it to my lil sister, she sigh and say dun talk about it liao in disappointment. Didnt want to tell me but the reaction, I stay away from it.
I only can learn after work until I totally exhaust, I cant say Im learning fast and need to rewatch it a few times and making notes.
Now already 40s+, I'm consider to self contribute epf although it kind of late now, I was thinking to put RM100 every month apart from those contributed by work salary
*
publicgold - gold saving n buying account . had it since 2015, just park money there, they have GAP (gold accumulation program), can buy slowly the gold.

just consistent every month and let the money be there .

TH is tabung haji


 

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