Kenapa tak BANTU kami? [Kehidupan] Kami susah kerajaan tak bantu!

[@FinancialFaiz]

🌐 Web ➜ financialfaiz.com 🐼 Tiktok ➜ financialfaiz.com/TikTok ❄ Twitter ➜ financialfaiz.com/Twitter 🥑 Spotify ➜ financialfaiz.com/Spotify 🍋 Lemon8 ➜ financialfaiz.com/Lemon8 🍎 KZbin ➜ financialfaiz.com/KZbin 🧊 Telegram ➜ financialfaiz.com/Telegram 📘 Facebook ➜ financialfaiz.com/Facebook 🍇 Instagram ➜ financialfaiz.com/Instagram For business inquiries and job inquiries, please contact us at: 📧 Email ➜ [e-mail] Duit Aku, Hidup Aku! 👉 financialfaiz.com/DuitAkuHidupAku Beli buku Financial Faiz pertama di Shopee! ASB Financing 👉 financialfaiz.com/asbf Melabur di dalam ASB menggunakan financing! Takaful hibah dan medical card 👉 financialfaiz.com/takaful Dapatkan perlindungan diri dan keluarga!

[@shane32ng]

saya sebagai kaum cina honestly i syukur aku kenal channel ni, betul banyak mesej dari Faiz memang tembak terus kat aku, tapi aku xmarah sebab apa yg dikatakan tu benar. walaupun aku dah over 40tahun tapi i rela ubah, sebab kalau aku masih salahkan orang lain xde orang akan bantu, tiada perubahan. kami kena jujur dengan kesilapan sendiri baru boleh move on. aku akan terus belajar dari Faiz dan terima kasih kerana bagi pengajaran yg worth a million miles.

[@shiningsword5306]

Well,at least you're willing to open your mind to accept others!😁Kbanyakkan org Melayu ni pulk tau nk salahkan orng lain jee.Huhh,I'm disgusted by my own race🙄🤮

[@shane32ng]

@@shiningsword5306 bro, ni bukan sebab bangsa atau kaum, ramai juga individu cina xterima fakta, live in their own bubbles. sama je.

[@shiningsword5306]

@@shane32ng Yee aku tau.Tpi this is the fact.Majoritinya mcm tuu

[@randy187robin]

@@shiningsword5306 sebab majority nampak macam ramai.. Tu la bnyk org fikir kaum majority salah.. Sebenarnya bukan.. Bangsa atau agama tak salah.. Individu itu sendiri yang buat onar

[@mohammadkhairulsyahhamdan3579]

@@shane32ng i agree with you.. it's all abt self attitude. When i was a young engineer (20 years ago), balik kampung pun separuh ikut hway separuh ikut federal road - sbb nak jimat RM10. Makan pun tak mewah sbb berjimat. Kereta satria 2nd hand... I only buy my own new car when my salary already reached 5 digits tu pun kereta MPV recond, there's nothing wrong with that. Self discipline sangat penting dlm mnjaga kewangan. Bantu parents dn adik2 duit belanja bulanan membuatkan rezeki kita berkat. Simpanan perlu tetap setiap bulan... Belilah properties utk duduk di dalam rumah yg dibeli sendiri.

[@shikinshah5334]

" IF YOU BORN POOR IT IS NOT YOUR MISTAKE BUT IF YOU DIE POOR IT IS YOUR MISTAKE "

[@azfarfitri9384]

saya berumur 17 tahun,tapi saya always layan video sir. alhamdulillah banyak video sir membantu saya dalam mengurus kewangan saya .semakin better and saving makin konsisten and banyak. saya patut berterima kasih pada tuhan sebab temukan saya dengan channel sir kerana telah mengajar saya tentang financial management . teruskan buat video sir, always support!!!

[@shiningsword5306]

Same ah.Aku Bru F3 Dan vid2 Tuan Faiz memng educated aku gileer.May Allah bless You Sir Faiz!👍

[@azizwahid8443]

This boy going places..

[@izzuddinmnasir4884]

Atleast ko tau apa ko nk buat, jgn jdi mcm aku, umur nak dekat 30 baru tau semua ini

[@mohammadkamiljohari5227]

Tu la aku umur 38 baru perasan video ni

[@matpearson8174]

Kamu sangat bertuah. Dari muda dah nampak nasihat sebegini dan jauh lebih bertuah untuk mengubah hidup. Aku ni dah 33 tahun, komitmen yang tinggi baru nampak nasihat seperti ini. Tapi takpe, aku akan cuba guna apa yang ada sebagai permulaan saving untuk dimasa tua.

[@3006kiki]

Totally agreed. Now a day, many young people do not know how to manage own financial. Sadly, finance management is not included in school syllabus. I hope your video can benefit to many our young Malaysians.

[@Apos19]

It’s actually included. There are some basic financial management syllabus as early as year 4 primary school. But school can only do so much. 😄

[@M7003-i5r]

@@Apos19 thts right . Also already included in math form 4 and 5..

[@FinancialFaiz]

Finance management has to be actively sought after. There are books, articles, youtube channels, etc about finance ready to be consumed, but it is up to the persons to decide to learn

[@jasonphung17]

Most important thing is that person must have self discipline on managing his own financial situation

[@yiwen182]

nowadays young people with salary 7k want drive BMW d

[@nuggetdip__]

It's insane how this channel has only 110k subscribers. I hope Faiz gets to at least 500k subs in the nearest future because ALL of his videos are pure educational gold. Keep up the good work my man.

[@alphajohn-grabauthorisedal8813]

We are not awesome, you are! And you deserved it. Saya fulltime Grab driver selama 6 tahun, selalu bawa passenger kalao ade sembang mmg senang dpt dengar apa yg abang cakap tu. Ramai pandai mencari ALASAN utk kesilapan sendiri tapi bukan mencari JALAN utk meyelesai masalah tu. Kalao saya bagi cadangan bagi dia, boleh saja dia bangkitkan isu lagi teruk macam isu pilitik atau perkauman. Sekarang kalao temu lagi passenger camni, saya hanya dengar dan senyum jer. Cheers, and thnakiu bang Faiz utk video yg awesome 😎 semua ni.

[@ayeshahril]

Untuk mendidik org ramai pasal financial ni tuan, memang susah. Org berbelanja byk yg luar kemampuan. Isteri dan anak mereka pun mereka didik mewah. Bila company down, OT kene cut, elaun kene cut, mulalah jual hp, jual sport rim dll... Apa yg Tn Faiz ajar ni benda yg byk saya ckp kat org, tp org susah nak terima. Pada saya tuan jgn lemah semangat, teruskan je usaha tuan dalam mendidik berkenaan financial ni...

[@Wanharfiz]

power bosskur

[@tiramisuoais9302]

@K.K.チャネル aik dio buat loan utk bayar hutang? gali lubang tutup lubang

[@ALIF-ed8jr]

Terima kasih tuan, ini one of the best video, psl too much people suka salahkan benda lain, tapi sendiri x tengok pun decisions & effort yang dibuat pada masa lalu.

[@FinancialFaiz]

Yes that is the idea Alif. Manusia memang ada tendency untuk salahkah orang lain, I pun sama. Tapi penting untuk kita sedar dah muhasabah diri. Barulah kita dapat atur langkah

[@msyukri43]

You've done a great job educating the society, En Faiz. Don't let this kind of people pull you down. Just ignore the negativity. But seriously, dengar En Faiz membebel pagi2 ni kind of satisfying. Hahaha

[@RAZGRIZist]

U know what Mr Faiz.. awk marah2 tinggi2 suara tu.. makes me to rethink my financing. Rasa mcm ayah saya tgh tegur saya hahahaa.. "Silap" yang encik faiz cakap tu sy dah buat.. :( Thank you Mr Faiz.. I love your videos so much.. i watched all of it.. dari sebelum kawin..sampai dah kawin.. sy harap sy dapat ubah cara hidup sy ikut encik faiz punya cadangan one day.. insyaAllah.. Thank you again bosku..

[@raydrew8310]

yang paling sedih kalau saya jumpa client aka pesakit (as a private clinic doctor), jumpa anak kecil memerlukan rawatan penyakit asthma dengan fee rawatan lebih rm100 untuk ubatan dan aerochamber, dimana bapa ialah seorang perokok tegar datang klinik dengan kereta toyota vios latest model, dengan selamba dia cakap, mahalnya rawatan ni...harga yahudi...padahal rokok yang dia beli tulah menyebabkan anak jadi perokok pasif dan triggering asthma....dia lupa harga rokok sebulan tu jauh lebih mahal dari rawatan asthma tu....dari segi ini pun lemah, belum lagi cakap pasal financial 100 percent...kalau bijak, berhenti merokok, duit lebih tu simpan asb, kereta boleh beli jenama tempatan, dan bolehlah beli takaful perubatan, anak sihat dan tak perlu rawatan asthma...kewangan dan kesihatan tu saling berkait....malangnya ramai tak nampak kaitan tu....bila berada dalam masalah, mulalah salahkan pihak lain...mahal harga yahudi, harga rawatan tak berperikemanusian, padahal dia sendiri tak tau urus kehidupan....lemah membezakan keperluan dan kemahuan dalam hidup...

[@FinancialFaiz]

Succinctly said brother. To me pula, I don't really see the difference between these B-segnent cars. Vios, city, persona apa beza? Bezza and Saga can join in too The point is these people sometimes have misplaced priorities. Kalau BMW tu takpe lah lagi sebab there are no true alternatives for someone who needs to parade their suksesssss. But a Vios? Who the hell cares? At least do buy one when you haven't got everything else in life under control

[@azmeizmir4346]

Kalau dia xmerokok, confirm anak dia xkna asthma? Sekiranya rakyat dunia berhenti merokok, asthma akan pupus? Ni cuma alasan mudah untuk doctor bg punca pnyakit. So xperlu la diognose lebih dalam lg sperti kurang antibodi, alergic atau sbb yg lebih real yg mana technology skrg ada limitation untuk rungkai masalah2 pnyakit2 tersebut. Dengan mmberikan sbb ayah merokok, doc dah ada alasan untuk diberikan pada pesakit dan keluarga. Untuk yg lain2 sy sy bersetuju dengan pandangan doc.

[@raydrew8310]

@@azmeizmir4346 teruskanlah merokok....kalau nak...cuba tanya syarikat insurance kenapa perokok premium insurance lebih tinggi dari yang tak merokok...belajar dulu statistik...

[@azmeizmir4346]

@@raydrew8310 agree pasal statistic merokok beriko tnggi kna pnyakit. Tp doc confirm pasal merokok adalah punca asthma patient doc ceritakan awal bicara, xstuju. Sbb doc dapat info dri pertnyaan kpada patient.Alahan pada bulu kucing atau binatang peliharaan, habuk persekitaran, eczema atau pnyakit keturunan boleh jd punca asthma. Kalau ada test kit yg boleh membezakan punca asthma yg sy sebut td. Sy akan tiada arguement sekrnya doc yakin punca pnyakit patient doc td adalah merokok. Xpasti dah ada atau x. Sbb doc lg pakar. Kalau ada boleh kongsikan. Sy minor eczema dri kecik, doc pon ckp sukar dirawat dan panggil sy cuba sndri 1 1 sy alahan kpada mkanan apa termasok jumpa pakar di swasta. Tp baru2 ni ada dngar pasal test food alahan di klinik. Nanti akan cuba.

[@azmeizmir4346]

@@raydrew8310 maaf sbb panjng bicara, cuma atas sbb2 tertntu, sy mula geram bila sesetngah doc hnya guna assumption base on interview dan bkn beri scientific test result kpada punca pnyakit.

[@ungkuhariz1484]

I'm strongly agree with your idea and mindset. As Robert Kiyosaki says "If you keep blaming other people, you have to change them, which is impossible. If you blame yourself, you can change you". Some of us malaysians ni manja and power betul bab menunding jari ni. I got my imperfections as well. We all do. But let's improve together

[@wilsonongweedun5697]

Tolong kawan kawan kat luar sana,dengar lah abang Faiz,apa dia ajar semuanya benar,dia nak tolong you senang,inilah maksudnya 'kita jaga kita'.Thank you abang Faiz , you are the best!

[@azriaziz5173]

So true, saya pernah cakap lebih kurang macam ni saving is the key point to survive for 10-20 years in future. Ada yang cakap "is okay you anak orang kaya" bla2. But I takde beli kereta above RM100k and I made saving about 30% from my own salary and my parent doesn't even give financial aid when I bought my car after I work for 2 years and it is a budget car(Myvi). Now after 5 years looking to buy a house with my own money no MAS sponsor(Mak Ayah Support) While some of them buy a car more than their budget 40% of their salary yet they argue you should not talk like that because you are not in the "same" position but their lifestyle is more lavish. At last I dont know what to say "is okay as long you happy" but they keep complaining about not enough money. Lol

[@masrahman8231]

So true.. 👍

[@shiningsword5306]

Yg ckp mcm tu org Melayu gk kan?Klau btul org Cina ni just "kejar Dunia",knapa biasanya Melayu trlibat Dan ada pemikiran mcm ni?Sepatutnya bnyakkan ibadah lah kan Haih,bangsa kita ni memng geybang lain mcm ah😂😂

[@mohammadkhairulsyahhamdan3579]

Ada kawan dengan Geng Honda tak?.. gaji RM6k ajer, tapi pakai H Civic brand new...pastu sembang nak beli rumah xde duit, salahkan market dn kerajaan knp tak kawal harga rumah -hello, ni free market, demand and supply philosophy... Yg kamu tak kawal nafsu pkai kereta baru why bro?. Padahal civic second hand harga 50k berlambak je, taknak lah pula. Kenapa nak susahkan diri sendiri.

[@Jacksparrow-if8fh]

@@mohammadkhairulsyahhamdan3579 klo Aku, Vios je bang, 2nd. Maintenance murah, selesa, tak pening Pala. Bro pernah dgr ayat org MCM ni tak which is 'hidup ni skali, tak pakai skarang bile LAGI'?.. pernah tak bro? Pastu hope pape hal Kang salahkan nasib plak.. well tak baik ngutuk, sb me personally tak tau bile kite akan buat silap.. but bnyk la the factual errors yg org buat. Bile Aku hadap org cm ni I will just say, u could do better, don't worry, bad time goes good time comes..😌

[@Jacksparrow-if8fh]

Paling teruk is bile Beli umah with cash back. Cash back buat duit kahwin bro.. duit kahwin bayar interest 30 tahun.. Aku tak paham y y y the hell nak kahwin pun Kena pinjam. Tak mampu buat simple2 je la kan.. pastu dah creeeetttt dah sedap LPS 1tahun berderai, then ckp jodoh tak panjang...

[@devansiva1334]

I totally agree with this. We cannot always expect from the government to help us. That mindset should change. Savings or investment is very important. All consequences has its cost and we cannot expect to be free of charge all the time. The money that the government is giving as 'bantuan' will bring major effect in the next 10 to 20 years which will end up to price hikes and pay higher tax to pay back what the government has given us. And yet so many idiots dont know this and expect government to help them more. Until when they need help ? Im saying this for those who still has a job till now. Im sorry for those who lost their job/business during this time. That's a very unfortunate scenario they have to go through. But they are an example of what will happen when we don't have savings (Not all of them). Everyone needs to work hard and smart to lead a better life in the future. All the best dear Malaysians💪🏻🔥

[@sirsaufi22]

You are so on point tuan. No one here will help us, except ourselves. Kita tak boleh nak kawal apa yg diluar kawalan. Nk buat apa tumpu our energy untuk perkara yg diluar kawalan. Lebih baik tumpu kepada diri kita. Kita boleh kawal diri kita. Kita saja yg boleh jaga diri kita. Berhenti lah menyalahkan faktor luaran semata2. Mengeluh takkan bawak kita ke mana2.

[@jazrael2]

My salary is on RM1200 when I started working. What I do is spend my salary to improve my technical skill, then apply for a better job. After almost 20 years of working I still drive perodua viva to work. But I invested on purchasing land and stocks. My dream is to own a kebun with 50 Musang King Durian Tree. I also don't own a credit card.

[@_91K_]

Owning a credit card is a very good thing (IF you are able to control spending and pay back).

[@knock-knockwhosthere9933]

Wow. 20 years ago your starting salary is Msia current minimum wage?! Good on you bro, for being able to self control on spending.

[@noopee3183]

right now im in your stage rm 1200 salary and still 19yrs tapi tidak bazir duit dekat mane2 tempat .. who do you think should i spend my money on education to uni or skill?

[@danialz3468]

Bravo John. My 1st car was when my salary at 2k, bought 12 yrs old 2nd hand car at 13k. Even my supervisor bought a brand new wira that cost him 35k during that time. Coming from poor family, I have to put my parents and brothers uni expenses 1st prority.

[@alhady89]

Terbaik tuan. Fakta yang pahit tapi benar. Masalahnya ramai yang tak nak terima. It's easier to blame other people for our misfortune rather than take responsibility and improve.

[@apair4002]

Terima kasih pada bro faiz bg nasihat/didikan tentang pengurusan keewangan. Sy lewat 5 tahun dlm perancangan pengurusan keewangan. Tp Alhamdulillah sekarang ianya membuahkan hasil. Semua produk/servis nak kan duit korang termasuk cukai dr kerajaan. Tapi sejauh mana korang dpt kawal nafsu/kehendak. Itu yg penting.

[@fadhilazhar8892]

Better late than never

[@bagero88]

U knw tht he’s pissed when there’s no bloopers at the end of videos. Kudos sir for speaking the truth!

[@FinancialFaiz]

You got the idea, you've read me like a book Spenz

[@zackhaziq1741]

Apa bro ni kata mmg 💯 aku setuju sbb saving dn financial management mmg kne ada. Org melayu kita mmg lemah tentang financial. Bila sakit x ada duit nk masuk hospital dn rawatan dn bila x ada duit mula pinjam sana sini. Better kita ubah lifestyle dn start financial literacy iaitu pndai dlm financial management diri kita.

[@masrahman8231]

Sgt2 betul.. Adik2, kakak2, abg2 semua.. Pikir baik2.. Guna calculator bile kita nak set aside our savings.. Apa yg berlaku kpd kita skrg ni adalah consequences drpd keputusan yg telah kita buat 10 thn - 20 thn lps.. Saya lihat ramai betul org yg mengabaikan savings.. Don't spend your money to impress other people.. It's so wrong,(malangnya..ramai yg buat).. Sekali2 beli brg mahal, branded its ok.. Tp, ingat.. Put your savings aside dulu.. I ade jer handbag mahal branded sampai 3k lebih.. Tp bukan setiap bln lah I nk beli handbag 3k lebih tu.. Maybe every 5 years.. Jer kot.. Nk jimat duit, belajar utk susun budget pd makanan kita seharian.. Tak tau masak.. Belajar masak, jgnlah hari2 mkn luar.. Beli kopi rm20- rm30.. Cmner nk menyimpan??.. Beli barang2 mahal dan branded ni.. Pd saya just untuk merasa jer.. Bukan sbg haluan hidup kita ni seharian, remember.. We have a family to feed.. Not a community to impress😊

[@shiningsword5306]

"We have a family to feed...not a community to impress". Nice one bro👍👍

[@masrahman8231]

😊👍

[@batamerahbikestudio6114]

Sy dari kecil dah biasa mkn dekat rumah.lagi pun mak ayah jarang bawa kami adik beradik mkn luar.akibat smpi ke besar dan berumah tangga sy ada tabiat mkn di rumah...mmg save duit gila gila...

[@masrahman8231]

Bagus.. Samelah kita, bukan pasal kita tak mampu.. Kita sgt mementingkan kebersihan dan barakah.. Makanan yg kita mkn akan jd darah daging👍

[@powerrangers16712]

Ayat last tu padu

[@shinasuka8586]

Thank you, Bang. I'm living on my consequences now. You were right. Saving. I guess it is an attitude. Some fine tuning needed to be done early in life & throughout life. For the past 5-10 years the art of showcasing product & spending has changed significantly. This needed to be educated from time to time.

[@norfad4045]

Thanks bro.......jangan tinggalkan kami Faiz....saya sangat memerlukan nasihat untuk real situation as consumer.......yang orang yang comment negatif tu biar la....

[@FinancialFaiz]

Nah I will never abandon you guys. Selagi ada nafas, I akan bantu. Itu jelah yang I nampak sekarang ni untuk diri I. Inilah my perjuangan

[@Maniac-007]

To this day, I am so grateful for my mom that read "Rich dad poor dad" book. She taught me a lot and forced me to cut my spending while maximize my savings since I was at a very young age. Despite failing to graduate from an overseas university (and have to repay my scholarship loan, which is RM308k in total...)... I still have RM15k in my ASB savings (inclusive of ASB-F loan that I took two years ago would be RM90k), having a nice place to rent in Selangor, owning my first car (in few months time), paying for medical insurance + hibah, have a few nice meals every month. So far things are getting better for me now, alhamdulillah. Kepada bakal parents generasi muda ni, tolonglah tekankan ilmu kewangan pada anak2 nanti. Baik Melayu ke, Cina ke, atau India sekalipn. Anak anda mungkin akan terasa sakit hati sepanjang tempoh 20 tahun pertama dalam hidup dia (macam saya). But seriously, memang dengan perancangan yang baik Insyaallah semua akan dipermudahkan. This is the first video that I watch from your channel Faiz, and you just earned yourself a +1 subscriber.

[@cgteoh]

Sukar ke temu orang seperti Tuan Faiz. Antara KZbinr yang terbaik. Saya rasa sebahagian polisi kerajaan telah memberi kesan yang buruk dan melumpuhkan rakyatnya sendiri untuk jangka panjang. Nasi sudah menjadi bubur. Apabila ada krisis atau apa-apa hal rakyat akan lari terus kepada kerajaan kerana terlalu bergantung kepadanya. Mereka telah kehilangan kemahiran hidup dan daya bertahan kerana tidak didedahkan untuk belajar bersaing dengan penduduk dunia. Mereka senang memperoleh apa jua dengan menadah tangan sahaja. Inilah karma hidup dan akan berkitar sehingga rakyat sendiri sedar dan mengubah nasib mereka.

[@mo_useC]

101% agree..gou u on my subscription list. I did same mistake in my young age but luckily thing happened and it change me to stop blame others and improve my financial management. One more thing, no such thing about instant result and that why financial management is salient. So that we may foreseen our target in few years ahead. Thanks bro for this vid.

[@Anonymous-lz5bj]

Spot on, En Faiz. I'm with you. Fakta mmg pahit untuk ditelan. Mereka hanya tahu nk salahkan orang lain je walhal mereka sendiri yg gagal. I really hope you won't stop educating others.

[@hafizajajaafar]

Bagus video ni. I share dengan anak2 I this video for their advise sbb bila I advise they ignore my advise regarding saving. Anak2 I tak percaya simpanan ASB dpt menolong bila susah walaupun I bagi contoh diri I sendiri yg menabung dari bujang. Now saya dah bersara dan simpanan ASB ada 200 ribu dan skrg saya bole guna duit dividen yg dpt utk byk kegunaan termasuk bayar zakat. Tapi anak2 tetap tak mau ikut buat saving. Pening nak advise anak2 ni. Betul En Faiz cakap, anak2 nampak beli keta, brg branded lebih memuaskan hati dia org. By end of month semua gaji abis.Saya suka semua video En Faiz. Saya support buat byk lagi video.

[@aaronthiagarajan]

Sorry tuan, kebanyakan orang Malaysia tak suka ditegur. Thank you for the guidance.

[@locy6966]

I have to admit sejak saya jumpa channel faiz saya belajar banyak perkara yyang saya silap selama ni, yes i am chinese but not the chinese u mention in previous video, im not rich, and i did withdraw funds from EPF which is a kind of regret sebab tak nampak duit tu, however i still think not too late to change the habit. Anyway, thanks faiz for all the education about financial,

[@FinancialFaiz]

Thank you Lo Cy! It's never too late as long as you are still earning and breathing. It gets more difficult as you get older and have more permanent commitment, but never too late to look at your finances and rearrange them accordingly. You would have to make more sacrifices now though, since you are already comfortable with the status quo

[@locy6966]

@@FinancialFaiz yes betul, however i dont plan for any sacrifice now because most commitment ada education anak, kalau pasal education anak memang saya tak tapis lah🤣🤣, yg skrng loan pun rumah, kereta dah habis, but tuan ni nak minta pendapat sikit kalau boleh, i still pasang niat nak beli kereta idaman sebenarnya, that is kalau saya dapat beli cash sebab 2nd hand dlm 60k, kalau nak loan tak akan lah sebab sekarang i dah tau, interest tu merugikan🤣, the current car untuk anak pakai, sebab saya nak dia belajar simpan duit maximize deposit untuk kurangkan interest tu, lagi anak dapat access ASB😌😌, Saya tiada😅

[@avaxis]

@@locy6966 Jgn beli kereta tu. Buat future fund projection sampai umur 80 minimum. Cukup duit utk hidup x dgn lifestyle yg awak nak? Kereta liabiliti, kena road tax, insurance, service. Duit 60k tu beli low cost housing yg boleh disewakan merupakan aset. Tu satu cara pakai duit tu.

[@mahyu21]

Beza mentaliti orang berjaya dgn org bodoh sombong. Orang bijak dia akan rational dan open heart untuk terima teguran membina. Orang bodoh sombong ni tak berjaya dalam hidup sebab tak boleh ditegur walaupun orang yang menegur tu berniat baik. Sampai bila2 pun hidup ditakuk lama.

[@shiningsword5306]

Setuju.Sbb tu lh Malaysia ni tk maju Mana compare dngn Negara2 Asia mcm Jepun,china Dan Korea.Even Indonesia pon aku tngok lgi better

[@saiyancatszx2]

Setuju sangat yang ni. Susah nak tunjuk ajar orang yang tak boleh ditegur ni.

[@ia8974]

Betul.... spot on. Tolong bantu anak2 muda utk faham ttg financial planning. Kalau yg dah berumur nie keras mcm buluh

[@starredmessages]

Saya pernah baca ayat ni - Kita tak salah kalau dilahirkan miskin, tapi kita salah kalau mati miskin.

[@FinancialFaiz]

Yes, bill gates said that

[@kakiayam60]

Selagi orang melayu x berpikiran kritis seperti Faiz, Msia tidak mungkin maju. Selagi Melayu x sedar, selagi Msia akan mundur. Aku sebagai Cina harap sgt Melayu blh maju, bukan dari segi kebendaan, tapi dari segi kematangan pikiran. Being accountable to oneself and to take responsibility for our self predicament. Once we are able to do that, all other berkat will come along. Gambate Faiz! You are like Gandalf the white!

[@euphora435]

Netizen's cycle kalau kerajaan baik hati 1. Minta once off 10k kwsp 2. Kerajaan bagi 3. 10k abis. Minta once off 10k kwsp lagi 4. Kerajaan bagi . . . 10. Umur 60 tahun. Merempat kat rumah anak

[@FinancialFaiz]

11. "Kerajaan tak bela kami yang dah tua dan tiada duit bersara! Kerajaan zalim!"

[@euphora435]

@@FinancialFaiz yang buat anak, kita. Tapi yg kena tanggung, kerajaan 😬😬

[@violethana9916]

Betol tu BOSS... Kesilapan bermula dari diri sendiri.. Tiada perancngan yg btol Akibatnya msa depan sndri yg melarat Tmbah kalau ada anak... Saya bertekad utk ubah strategi' utk jdi lebih baik lepas ni... Doakan yer!!

[@masrahman8231]

In syaa Allah.. Berjaya 💪💪

[@khariumjuahal854]

Yes yes yes...anak2 sblm keluar bilik pastikan of semua lampu dan semua plug elektrik yg kita gunakan.

[@afizihusaini3475]

Saya cadangkan pembelajaran mengurus kewangan perlu ada pada setip universiti pada masa kini. Ini agar para graduan tahu selok-belok kewangan sebelum mereka ceburi bidang pekerjaan.

[@haniffiksel8621]

Ye betul tu sebab ia sangat penting..

[@azreenklose7976]

Elok lagi kalau mulakan drp peringkat sekolah lagi .... mungkin peringkat menengah ....lagi awal , lagi bagus ....Ibu bapa Kita ...masa2 dulu mana ade didedahkan dgn ilmu kewangan camni ....

[@askaroyen]

sy baru 14, tetiba bukak vid pasal cukai lah, itulah, cukai pendapatan lah, baru nmpak realiti kehidupan ni

[@johndblend7227]

Dear faiz. Jgn ambil pusing toxic people. Dyorg mmg nak jadi bingai sampai ketua

[@judicatorhurayth1927]

Tapi sebagai KZbinr nak ajar orang mesti kena nasihatkan jugak orang ni. Sebab mesti ramai gile orang macam ni lepas tu orang lain ikut juga perangai macam tu. Jadi itu sebab dia buat video ni. Untuk sedarkan rakyat Malaysia!

[@Aimran_J]

Kadang politician pon tak educate people, lagi2 yg ambil kesempatan dengan isu2 kesusahkan rakyat. Rakyat pon acah2 buka mata yang rakyat susah tapi orang atas senang.

[@alexng4601]

Laaaaa...balik pada point one...jaga own financial..no one can help u if u keep on playing blaming cards my friend.

[@Aimran_J]

@@alexng4601 point saya influencer juga main peranan. That why they call "influencer". Yang menonton video ni Alhamdulillah, rezeki untuk tahu. Yang tak tahu they keep blaming.

[@mohdyusuf1865]

YES...BETUL... memang kita kena belajar dan pandai menguruskan kewangan kita..jgn nak cepat masuk skim cepat kaya atau atau bt online busnis dgr ckp orang...tiada jln yg blh cepat jd kaya raya...biar sedikit2 lama2 jd bukit... Jgn tamak tu shj

[@batamerahbikestudio6114]

Terima kasih atas nasihat kewangan tuan faiz.alhamdulilah sy diberikan nasihat kewangan oleh ayah sy semenjak dari kecil lagi.pada masa tu sy rasa ayah sy macam terlampau kedekut ,semua nak save,kerete pun pakai biasa2,shopping baju pun jarang2.smpi lah sy dah ada keluarga sendiri baru sy faham.... Tips kewangan sy: 1)simpan lah minimum 20% dr gaji kita 2) bg sedikit duit kedua ibu bapa 3) sedekah 4) komittment *insyaallah akan cukup.simpan sikit2 lama2 jd bukit.

[@chualun928]

Saya pun sama, mak saya yang agak kedekut. Semua nak jimat. Bab orang lain dia tak kedekut dan selalu hadiahkan barang-barang yang berkualiti. Dia bagitahu jika nak bagi orang barang, bagi yang berkualiti. Betul cakap Encik Faiz bahawa kita kena ada sifat menabung.

[@batamerahbikestudio6114]

@@chualun928 setuju.😀

[@darrenloke5486]

Hope your message spreads among us, slowly but surely. Malaysians needed this. Our children needed this. Support 100%.

[@FinancialFaiz]

Thank you Darren. The best thing my current audience can do to spread the message is to share my videos within your circles! Good luck and thank you!

[@goodlucklucky]

What a good video, good information. Memang org Malaysia ni x suka buat saving, lepas tu cakap kerajaan x bantu, org x bantu, bapa mak x bantu, abang adik x bantu.. x lahir dari keluarga yg kaya… it’s all about how you plan your life… Nak Malaysia maju, kita diri sendiri mesti maju, x kan apa apa pun depends on politicians tu…

[@shiningsword5306]

"Semua Salah Kerajaan!" "Salah Cina sbb kawal ekonomi!" "Salah Mak bapak aku sbb miskin!" "Salah KPM sbb silibus pembelajaran tk relevant"!" Typical Malay👆👀🙄

[@luqmanhaziq9828]

look how ikhlasnya dia. dia cuba guide kita yg mmg zero about financing. and yet people diff opinion he still fight for that. thankyou sir Faiz. keep moving.

[@yazidyusoff5513]

Betul.. sy dah hadap benda tu.. hampir 10 tahun kerja tak buat saving.. ni dah kawin ada anak baru teringat nak buat saving.. dan.. baru nampak betapa bodohnya diri dulu sebab tak buat saving awal2.. sekarang baru nak buat.. Pape pon video yg menarik untuk jadikan inspirasi pada yg belum terlambat.. Teimass tuan..

[@hishamsaaid2293]

Terbaik, alhamdulillah walaupun sy hanya pakai kancil,sy sudah ada 2 rumah,satu banglo,tanah dan rumah teres, epf sy keluarkan juga,tapi simpan dlm ASB.

[@sham5669]

without script essentially it sounds more scary in a different way, topic ini Tuan Faiz terangkan without hiding anything, which is great to create awareness..i think, in life especially bila muda, kita ada tendency to buy 'this & that' tapi tak murah all those thing. Hanya possible utk beli guna loan bank. To do that is OK, if you have a safety net , meaning you have the willingness to work extra on top of your monthly salary to offset the loan and buat full settlement earlier than the agreed tenure. "If you're asking for a rain, you need to be able to deal with the mud later on" - Denzel Washington. Anyway good advice and content Tuan Faiz! klu terjumpa Tuan Faiz ni, ingt nk bergambar la 😜

[@nurmrym]

Puas hati dengar video ni. Abaikan je manusia2 yang macam tu. Hidup penuh dengan alasan. Semua orang dia salahkan. I'm glad I found this channel. After 5 years working baru ada kesedaran nak simpan duit and prepare for future. Itu pon sebab financial Faiz tak putus2 buat video2 yang bagi penerangan and kesedaran pasal kewangan. I have share your video to my friends and family because you video is very helping us to manage our financial. Thank you for all the ilmu you have given to us.

[@IlmuhasilAI]

Terima kasih tuan Faiz sebab educate kami... semua yang tuan tu saya pernah tanya pada kawan saya memang tepat sekali itu lah jawapan yang mereka utarakan... Pape pon tuan memang owesome

[@FinancialFaiz]

Thank you Khuzaiman, you are awesome for watching this, awal² pagi pulak tu!

[@mohdnoornoor8206]

Terimakasih di atas buah fikiran yg bernas. Sangat sangat berguna pd sesiapa yg telah menonton video anda. Syabas ! Sikap terbuka , positive selalu dan sedia lalui apa jua cabaran. InsyAllah pasti berjaya.

[@hubsmom1534]

Setuju sangat dgn tuan Faiz...kebanyakn tapi bukan semuanya org melayu klau ada duit lebih sikit jarang pikir nk simpan..tau nk enjoy dn habiskn.yg merokok bazirkn duit beli rokok..bila dh x de duit...salah org sana salah org sini...belajarlah dari tuan Faiz ni...klau ko orang ada duit simpan walaupun x banyak hati akan senang dn tenang...klau gaji dh nk habis pun x gelabah sbb ada simpanan...ada simpanan jgn nk sebut2 kt orang.. simpan baik2...simpan diam2 untuk masa kecemasan...beringatlah ...ubahlah minda anda yg x beringat untuk masa depan yg lebih bermakna...ada yg kata umur x tau bila..buat apa nk simpan...memanglah sekurang2nya kita ada simpanan ...sbb x tahu bila nk mati tulah yg lagi kena simpan...ditakditkn umur panjang sampai 100 th lepas tu x de simpanan...nk makan apa...nk kerja dh x larat....haaa masa tu rasa 100 kali mati...baru nk menyesal ..padanlah dgn muka tuuu

[@billaak417]

Pahit kebenaran. Tapi itulah kebenaran. Baagus Tuan Faiz.. Anda memang insan yang baik.

[@edlinaazmeer7749]

In my opinion a number of melayu especially, rasa entitled utk dpt pertolongan, bantuan from the government. Mungkin sebab when masa I grew up, well even now la... Government asyik bagi bantuan/subsidi and mcm2 lg that bl diri sendiri susah, sll minta government bail them. This video is really good. Some Melayu ni should really learn to be responsible pada dia nya nasib sendiri. Usaha la utk improve yourself n your family. Jgn harap org lain je.

[@jimmypanting4118]

Tak apalah tuan.. teruskan penerangan tuan pasal kewangan. Yang nak dengar tu, dengarlah. Yang tak nak dengar, biarkan dia. Kalau dia fikirkan dia pandai sangat, itu hak dia. Saya suka dengan penerangan tuan dan banyak belajar dari ilmu yang tuan bagi. Terima kasih Tuan Faiz

[@Anepbonzer37]

Dah jadi mcm ni, dah jadi satu tamparan kepada kita skrg ni. Learn utk pikir diri sendiri. Sentiasa pikir diri sendiri utk hidup susah di masa depan.

[@guntullesantorian94]

Faiz gives good advise..jangan nak bodoh sombong . Take the initiative to learn and listen, you guys patut berterimakasih dah ada org macam dia. He is already kind enough to share his experience and skills,,,tu pun you nak complain..Don’t take his words out or context….

[@ariffirdaus1720]

tq kerana membuka minda kami anak muda

[@jasfami7739]

KUNCI UNTUK BERUBAH 1- BERHENTI SALAHKAN ORG LAIN DAN TERIMA KESALAH SENDIRI... 2- TEKAT UNTUK BERUBAH... 3- ILMU 4- CARI ORG/PERSEKITARAN +VE cara sy untuk berubah....

[@namunster9055]

Agree with you sir..im in my 30s and im only learning all of these now...wasted loads of money and then COVID came.. i was down till ive came across to ur videos when u had only around 3-6k subs...learned a lot and one of the things that im grateful is, eventhough ive spent and wasted all my money, im lucky that, my commitments are low..im only renting, still using my old Saga BLM that ive fully paid..keeping my music school business alive eventhough still trying to recover, and ur videos really helped me alot in financial planning and investing..alhamdullillah ive overcame my depression and now i've a clearer target and goal..Thank you Sir!

[@FinancialFaiz]

Thank you namunster and best of luck going forward

[@iqbalmokhtar]

Marah betul bang.. tp mmg betul., pahit utk ditelan tp itulah hakikat..sy jumpa ramai melayu mcm ni..100% agree with u.. keep up the good work

[@azlanwan89]

well said..sejak ada channel ni sy banyak belajar dan nmpk kesilapan sendiri dlm planning kewangan..memang rasa sakit bila ditegur tapi endup, y penting berubah dan betulkan hidup kita untuk jadi lebih baik..

[@ragavanarumugam257]

the 50:30:20 is a great ratio to follow - i have practised that for some time now. Tq Faiz.

[@oneplusoneplusoneequalthre3743]

Terima kasih Sir Faiz menegur kami, demi generasi Malaysia yg lebih baik khas nye dalam bidang Finansial 🙏🏼🙏🏼 . Keep it up

[@muhammadzikrybinschanizan7787]

betul tu sir, ini lah yt channel yg paling banyak membantu saya dalam kewangan.

[@satvindersingh3644]

Soal kewangan sememangnya isu paling sensitif dan negatif. Saya paling benci orang kewangan dulu sebab dlm minda saya, niat mereka 1 hanya iaitu buat duit. Tapi u know Faez saya cukup bersyukur that I came across your channel. Niat kamu dari video pertama jelas pada saya iaitu ingin membantu masyarakat. You completely changed my perspective. I've always been avoiding this topic on financial sebab rasa macam kenapa nak tamak sangat asyik cakap soal duit Dan kewangan. But no, financial planning cukup penting dan asas, tanpa tu banyak masalah timbul dan sebab tiada financial planning la soal kewangan menjadi topic yg cukup negatif dan sensitif dalam kalangan masyarakat.

[@lordsigat3088]

Financial faiz channel sgt bagus!saya pun belajar dri faiz

[@HarizD]

Awesome video I might say Tuan @Faiz and it's a wake up call for me aswell. Thank you and keep it up with your content.

[@FinancialFaiz]

Alhamdulillah. You lah my target audience..mereka yang atas pagar, yang tengah 'tido'. I nak reach out to you sebelum buat silap yang besar Kalau dah 50, savings takde, commitment keliling pinggang... I nak ubah macam mana? Sebelum terlambat lah kita ubah hala tuju sebab ada masa lagi

[@MuhammadShafiq-zz6dt]

Tq atas education yg dberi slalu... Teruskan mendidik Tuan. Ramai lg org² yg ingin belajar perlukan ilmu² manfaat mcm ni Smoga Allah memberkati usaha Tuan Faiz. Amin

[@FinancialFaiz]

Aamiin ya rabbal alamiin. Thank you Shafiq

[@HILMIRAI]

terima kasih bagi nasihat yang berguna.

[@FinancialFaiz]

Thank you Hilmirai

[@zackking3462]

Betul...setuju dengan nasihat tuan ni...kena pada diri sy sendiri...komitmen ada 3 dh kete, rmh, tanah....savings mmg xde lah, ada ckit2 je....hrp savings epf n kutu around rm800 per month....backup passive income alhamdulillah ada

[@imnot4125]

I think u should buat video macam ni lagi.. For me as a student 20 y/o, sangat2 membuka minda

[@ahmadfarhan206]

Setuju sgt dgn cara tuan berfikir...sy pon terfikir benda yang Sama...tapi biasa la bila kita cuba bagi pencerahan yg jujur org tak kan suka dgn kita sbb kbykan suka cari alasan menyalah kan org dari fikir kemampuan sendiri... hopefully tuan tak putus asa utk terus berjuang

[@hazizuludin1894]

assalamualaikum tuan faiz.. terima kasih tuan faiz.. bnyk info dan kesedaran kewangan utk diri sendiri... harap tuan faiz teruskan usaha murni tuan utk kesedaran rakyat Malaysia insyallah...

[@powerb0yy871]

saya suka channel/gaya penyampaian tn Faiz, apa yg baik dan mampu, kita ikut. yang luar kemampuan, kita ikut kemampuan kita. Tiada paksaan.

[@bossku7807]

All i can say is.. well said. Fyi, i went back to KL in January and txted your PA via WhatsApp to get a hold of you, But you were busy apparently. Anyways. I appreciate all the advice you give to all young malaysians and malaysians out there. Hope to meet you in person oneday, ill Buy you coffee or nasi lemak when I’m back in malaysia:) Cheers and keep inspiring US! Do not give up! Salam.

[@mohamedjoeharrymohamedamin5991]

Assalamualaikum Faiz.. you are awesome. Kalau setakat hidup nak salahkan orang lain dan kerajaan, susahlah. Sbb dlm kehidupan kita, ia adalah pilihan. Pilih nak malas atau rajin dan seterusnya. Masa depan kita, kita sendiri yg menentukan bukan orang lain. Buatlah pilihan yg positif utk masa depan yg lebih baik..

[@vickylim5852]

Thankq Mr Faiz for your honest sharing. You hit the nail on the head, (siapa makan cili, dialah rasa pedas haha) your content is informative and easy to understand. In my opinion, saving money must start from a very young age so that it become a continual habit as we grow older. It must be thought and instilled. I totally agreed with you that depending on epf alone is not enough with the rising cost of living and inflation. Even though I am not a malay, I know the meaning of sediakan payung sebelum hujan, susah2 dulu senang2 kemudian. Keep up the spirit Mr Faiz and all the best.

[@FinancialFaiz]

Thank you Vicky! Appreciate this support

[@Mfrpiduih]

Tak sia2 saya Subscibe...memang banyak menyedarkan saya dari berfoya-foya didunia yang fana dan lebih istiqomah untuk terus menabung...Terima Kasih Financial Faiz atas perkongsian ilmu...

[@norlidasham4957]

Terbaik En Faiz...apa yg En Faiz katakan itu semua benar...akak selalu share video2 En Faiz ni kpd anak2 akak untuk pengetahuan dan rujukan mereka... Akak juga melarang anak2 akak utk keluarkan duit epf jika tiada keperluan mendesak..kerana duit epf adalah simpanan hari tua...masa akan dtg..kos sara hidup akan lebih tinggi dr skrg..

[@davidwong125]

betullll dari hari2 memekak kt medsos baik ikut channel ni dan upgradekan kewangan sendiri.

[@izzuddinmnasir4884]

Masa habis belajar dulu memang aku kuat komplen, penat2 je belajar degree. Sepanjang 4 tahun dah berlalu aku accept consequences, focus side hustles lepas tu beli stock market, PRS, Public Mutual. Last2 aku overspend adooi haha

[@kamarshamkamarun1732]

Takpe bro. Sume org make mistake. Dekat 60 thn hidup saya pun tak lari dr silap. Learn & move on accordingly.

[@MrOshGonzalesz]

video ni mmg terbaik sgt. pukul setepek kat org xsedar diri tu.. ada je kwn2 sekeliling mcm ni... gaji abes beli bukan2 at last duit xcukup mula nk meminjam.. dh bg pinjam bayar xnk! so mmg tobat nk bg sp sp pinjam duit

[@helmiehalim]

Well said brother.. keep on doing what you are doing! Yang taknak dengar nasihat and maintain lifestyle rich & famous tapi sebenarnya pokai tu lantak pi kat dia la, kita cuba educate sapa2 yang nak berubah jadi baik.

[@nabilazhar9293]

perasaan sama mcm Tuan Faiz bercampur aduk , sama prinsip mcm tuan dan akan support channel yg bermanfaat ni sampai bila²👌

[@whcapital2042]

Very good teguran for all, especially those early in their careers. Savings is very important so you don’t have to make short term decision when facing difficulties. Charles munger, vice chairman of Berkshire Hathaway always say, we don’t try to be brilliant, we try not to make stupid mistakes. Having savings is not a brilliant concept, but it will help you tremendously.

[@FinancialFaiz]

Thanks Wei Heng. Ive followed Charles Mungers' sharing for a while now, he always appear next to Warren Buffett, both giving sound financial advice. We take what we can.

[@lemaktepu9959]

terbaik apa yg faiz info ni,sebelum ni saya byk buat silap dalam keewangan,nak kata lewat bertindak tu ada juga tapi baik bertindak dari tidak.selepas byk dengar dan kritikan positif yg bakar smgt byk terbuka minda,skrg saya sbgai pekerja dan trader crypto dah dapat saving bulan2 lebih dari gaji saya,skrg dari saving tu saya byk beli emas dan saham

[@azizamzaini80]

Betul tu...Sy folow tuan Faiz dah hampir 1 tahun...dari Sy belum beli rumah sampai dah ada rumah...Sy folow rapat terutama simpanan dan aliran gaji Sy dan isteri...simpanan tu penting...walaupun pendapatan kami berdua bawah 3k...kdg kala sampai masa mendesak terutama,insurans kereta,kerosakan dan lain2...kami tak ada masalah...sbb kami ada simpanan seperti tuan Faiz kongsi...thanks boss👍👍👍

[@AizulShah98]

Saya suka tengok video tuan, walaupun apa yang tuan ajar tak dapat saya ikut atas kesilapan saya yang lepas, tapi saya yakin suatu hari nanti saya pasti dapat ikut apa yang tuan ajar, dan terima kasih atas teguran yang tuan beri. Bila saya depress fikirkan kewangan saya tengok video tuan, hilang kusut kepala, hehehe terbaik tuan, 🫡🫡🫡.

[@abediperantauan4801]

Biasa lah, diri sendiri xpernah salah, mne boleh diri sndri slah nt tercalar ego..... ahhaha..... for people that easily butthurt, because its true, that why they try to blame others than themselves.... Ap2 pn all your content is beneficial and knowledgable.... Thumbs up

[@emyliaempina9215]

Saya setuju dengan video ini sangat² dan jarang sgt org bfikiran mcm ni😭 Saya sentiasa bfikiran mcm ni lama sudah, umur sya sekarang 21 tahun dan saya sudah memahami apa yg disampaikan dlm video ini sgt lama sudah. Tapi sy tengok org skeliling sya yg saya kenal dan tidak kenal sentiasa bfikiran menyalahkan org lain ataupun mnunding jari ke org lain terutamanya klau kes mcm ni sudah tentu kerajaan disalahkan. Jgnlah fikir satu arah saja, jangan mudah sgt menyalahkan orang lain dan jangan lupa utk mlihat diri sendiri. Hal ini lah yg menyebabkan kita dan negara kita sukar utk maju ke depan. Saya hrp smua org yg bfikiran mcm tu akan mlihat video ini dan memahami isi video ini sedalam yang mungkin. Maaf kalau terkasar bahasa, ini hanya pendapat saya😩

[@AnonymousAnonymous-ps5lg]

Syabas anak muda...semoga ada lebih ramai anak muda dgn mentality spt awak! 👍👍

[@shahnasramli2612]

Orang kuat complaint ni orang kurang bersyukur pada tuhan. Kurang memohon pada Allah. Jalan keluar bagi mereka ialah complaint jer..

[@norlidasham4957]

Setuju ..biasanya mereka yg kuat komplain adalah org yg negative thinking...tk pernah nk muhasabah diri dan memperbaiki diri

[@khairulanuar1777]

Thanks bro, i wish this video publish 30yrs ago....but actually it's not too late at all...alhamdulillaahh thanks bro

[@railxz6601]

I honestly mmg stuju 111% with abg faiz.. I start kerja when I was 21 and now 26 dengan basic 2k plus elaun apa semua dpt 2.6k tak termasuk OT... And avg i boleh dapat permonth is arround RM3500...but the bad thing about me is i ada addiction to topup game and it was so bad to the point sometime week last tu i had to eat meggi... One day my parent sakit and need extra money to go and see doctor but i no money to give to them... As the eldest sons of the family i feel bad... So i change from that point amd manage my money better cut all my gaming budget and start saving 25% of my income to saving every months... Yaa i still top up for my games because it was the only way i can reduce my work stress and i treat topup game ni as my self reward... After 3 years i finally nampak my susah payah saving... And plus this covid my ot getting less n less but to me it okay sbb i already prepare for the worst 3 tahun lepas... So tak terlalu stress. Thank abg faiz i bnyk tgk video you and it benefit me sooo much.. Tak salah nak enjoy but you simply can't do it everyday

[@loveall2044]

Mcam aku juga ketagih topup game lmao🤣🤣

[@izzuddinjoe6010]

betul tu. nak je sye tunjukkn video ni dkt parent sye. geram pn ade, diorg asyik nk harapkn kerajaan je. diri sndri taknk tlg. sye byk kali dah tekankn saving. tpi diorg ttp hrpkn epf je, maintinance kete yg setahun skali tu pn kne tggu gaji bln dpn. planning xde lgsg

[@knock-knockwhosthere9933]

RM10,000 cepat habis kalau tiada disiplin. Mungkin boleh senyap2 buat bajet bg plan dulu kalaulah KWSP eventually being withdrawn. Plan B and B is for Berdisiplin. Jgn guna habis sekaligus pastu balik keadaan asal.

[@arinstudio499]

Alhamdulillah perkongsian bermanfaat buat semua....thanz faiz financing🤲🏼🤲🏼🤲🏼🤲🏼👍🏼

[@terencetan5945]

Good advice. I agreed with u. 👍🏻 Terbaik

[@NplusO88]

To the chinese and indian, we already got used to living in malaysia. All the while, we never expect government to help us. So this is nothing new to us. We are already NUMB to this situation because we know complaining is not the solution. Thats why we have no choice but to work extra harder. Its a do or die situation in this country

[@bench9967]

Seriously? About 10k epf. Even chinese and indian is loud about that. 😅

[@Nathan-rp8cg]

true 200 Percent !

[@bus-wd1jq]

Do u think that all Malay always get everything from gov?? Do u think gov give us money to eat every month? Change ur dirty mind bro.