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๐Ÿ‘ถ๐Ÿ‘ฑโ€โ™‚๏ธ๐Ÿ‘จโ€๐Ÿฆฐ๐Ÿ‘จโ€๐Ÿฆณ๐Ÿ‘ผ


My birthday? ๐Ÿคœ
11/07/1998
โ 
โ 
How long do you expect to โ€œliveโ€, work & still be kicking?
000
63
โ 
years.

I am
26.2
โ 
years old

and have completed
41.6
โ 
%

of my expected Working life.

What will you do with the remaining
58
โ 
%? Those
37
โ 
years can go by so fast.

BTW In the year
0000
2041
โ 
, I Will be
43
โ 
years old. What are you gonna do about it foo
โ 

50/30/20 Budget Rule

Income after tax
00000
5275
โ 
MYR
โ 
Needs (click โ–ถ to open more...)
Needs are those bills that you absolutely must pay and are the things necessary for survival. These include rent or
โ 
payments, car payments, groceries, insurance, health care, , and utilities. These are your "must-haves." The "needs" category does not include items that are extras, such as HBO, Netflix, Starbucks, and dining out.
Half of your after-tax income should be all that you need to cover your needs and obligations. If you are spending more than that on your needs, you will have to either cut down on wants or try to downsize your lifestyle, perhaps to a smaller home or more modest car. Maybe carpooling or taking public transportation to work is a solution, or cooking at home more often.

Youโ€™ll have RM
2637.5
โ 
for everyday necessities, which is 50% of your income.

If your housing cost is ๐Ÿก
00000
300
โ 
MYR monthly, this will how much your family will be left with ๐Ÿ‘‰ RM
2337.5
โ 
for the rest of the month. Lets calculate the rest ๐Ÿ’โ€โ™‚๏ธ
๐Ÿ’ธ
Amount (RM)
1
Foods ๐Ÿœ
000000
0
2
Bills ๐Ÿ“„
000000
36
3
Everything else in this category
000000
0
There are no rows in this table
โ 

RM
2301.5
โ 
got some left over, you good homie ๐Ÿ˜—
โ 
โ 

โ 
Wants (click โ–ถ to open more...)
Wants are all the things you spend money on that are not absolutely essential. This includes dinner and movies out, that new handbag, tickets to sporting events, vacations, the latest electronic gadget, and ultra-high-speed Internet. Anything in the "wants" bucket is optional if you boil it down. You can work out at home instead of going to the gym, cook instead of eating out, or watch sports on TV instead of getting tickets to the game.
This category also includes those upgrade decisions you make, such as choosing a costlier steak instead of a less expensive hamburger, buying a Mercedes instead of a more economical Honda, or choosing between watching television using an antenna for free or spending money to watch cable TV. Basically, wants are all those little extras you spend money on that make life more enjoyable and entertaining.

30% or RM
1582.5
โ 
for everything you might want.

Let's say your ๐Ÿš— cost
000000
0
โ 
MYR monthly, it will take
0
โ 
% of your total budget. Lets calculate the rest ๐Ÿ’โ€โ™€๏ธ
๐Ÿ’ธ
Amount (RM)
1
eg.1 ๐Ÿฅ‚
000000
0
2
eg.2 ๐ŸŽข
000000
0
There are no rows in this table
โ 

RM
1582.5
โ 
โ 
got some left over, you good homie ๐Ÿ˜—
โ 
โ 

โ 
Savings (click โ–ถ to open more...)
Finally, try to allocate 20% of your net income to savings and investments. This includes adding money to an emergency fund in a bank savings account, making to a account, and investing in the stock market. You should have at least three months of emergency savings on hand in case you lose your job or an unforeseen event occurs. After that, focus on retirement and meeting other financial goals down the road.

20% of it, RM
1055
โ 
canโ€™t be touched!


Pension
KWSP
โ 
000
38
โ 
โ 
RM
400.9
โ 
โ 
โ 
Low Risk
ASNB
Tabung Haji
Public Gold
โ 
000
0
โ 
โ 
RM
0
โ 
โ 
โ 
Need RM1300 in TH balance to register for hajj
Managed Investment
Wahed
โ 
000
62
โ 
โ 
RM
654.1
โ 
โ 

Gambl Investment
Webull
โ 
000
0
โ 
โ 
RM
0
โ 
โ 

โ 
100
โ 
%
If emergency funds are ever used, the first allocation of additional income should be to replenish the emergency fund account.
โ 

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