Frankly, if you're B40 there's not much use in investing. You should focus on increasing your income which will leapfrog any earning you can make via savings/investment.

Assuming you have some skill/talent at the moment. You should focus on letting people know your talent. Do good work and get your reputation up.

The best way to do this is to network, join events, meet people, increase opportunity. If you have to do some free work, just do it first. Your name has to get out there and be synonymous with quality and reliability.

From there your income will grow naturally. Then you can easily put money aside for investments.

Jack of all trades, and master of none
but often times better, than the master of one

^ That's the full quote.

Unless you're going to be the 0.001% of specialisation, normally the jack of all trades approach gives you better adaptability.

The emergency fund is important to have, its not an investment. Its a buffer for hard times, which you should try to avoid in the first place.

Please, DO NOT CHASE MONEY. Chase the fulfilment and output of your work, let the money come as a by product of that.

You have to consider the opportunity costs of every action you take. Sure you could work part-time promoter for some extra income. Earn a bit more money, or; you could use that same time and join events and get to know people with money/projects to do.

In 1-5 years, which do you think will give you a better outcome?

Yes I have, but most of my reputation was built during my college years. Then along the way I knew more people, worked with many more. So I always get opportunities.

The kind of events will differ based on your needs/skills/talents. Go explore these things yourself.

If you're earning 2k/month, realistically how much can you save (if there's any money left after paying everything else) to invest? The time/effort is better used to increase your income.

Once you start earning more and can actually save (no lifestyle inflation), then investment becomes a viable option.

I'm not sure why you think your earning is capped, there's always ways to make/earn more. The only difference is where the diminishing returns start to happen. Going from 2k -> 4k is life changing. Going 10k-12k isn't that much difference. The former is also much easier to achieve.

Yes. Live within your means, and when you earn more... don't increase your spending. Just keep the same lifestyle as you were with your lower income.

Lets say you are earning 4k now. Maybe you can save RM400 at the end of the month. Good, just keep saving that RM400. Then work harder to increase your earning. Then once you earn 6k/month, your savings per month should have increased to ~RM2,400

With that much margin in saving, your emergency fund would be settled quick. Then you can easily use that RM2k+/month for investment.


Working hard is important, but taking care of health is even more important.

You either choose when you rest, or life will choose it for you. If you let life choose for you, the timing will never be at a good time.

Get your pain checked, the location of pain is often not the root cause.