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Money Management for a More Stable Career Phase

Don’t JagaDuit Like Leong and Hakim

The Consequences of Having No Future Planning

 

Leong did not set aside savings or purchase insurance for his children’s future. He didn’t see the value in it—until reality hit. As expenses grew and needs piled up, his family’s spending surged, and so did their debt.

The Consequences of Using Up Retirement Funds

 

Hakim loves his children deeply and spent all his savings on them. Now, as he nears retirement, he's left with nothing. He didn’t plan for future medical costs or insurance, which are now much more expensive.


Lessons from Leong and Hakim's Financial Journey

 

  • Plan for your children’s future, keeping in mind both predictable and unexpected situations.
  • Start teaching them financial literacy from a young age.
  • Secure the right insurance policies to cover your family’s medical and life needs, and review them regularly.
  • Live within your means, and avoid overspending in the name of lifestyle upgrades.
  • Be realistic about your financial goals and what’s achievable based on your situation.
  • Keep communication open within your family, especially about financial priorities so everyone is aligned and prepared for what lies ahead.