Step by step

1. Start with RM1000 saving (in bank enough)
2. Then go with 6month net salary saving (save somewhere like asb, fd, tabung haji, make sure you can still make withdrawal)

If you manage pass step 2, most probably you already in m40 class.

3. Start saving in somewhere when can get tax refund (SSPN, PRS)
4. Then start learning medium risk investment. Personally recommend Public gold.

Further than that, no advise as i not yet pass the step 4.