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Jaga Duit

Later Career Stage

At this stage of life, the focus shifts to achieving long-term financial stability and planning ahead for your children’s future. Here's how to manage your finances as you build your family.

Money Management for a More Stable Career Phase

As life evolves, so should your budget. Adjust your financial plans to match major life changes like marriage, raising children, or buying a home. Small changes along the way lead to bigger long-term gains.

Haven’t looked at your insurance in a while? Now’s the time. Make sure you have adequate health and life coverage — especially if you have kids or dependents.

Don’t wait to plan your will, retirement, and long-term investments. Consider options like private retirement schemes (PRS) to grow your savings while preparing for the future.

Start early by teaching financial awareness in your children. It’ll help them grow into financially responsible adults.

Your health is your wealth — especially as you age. Plan and save for medical expenses to avoid stress during emergencies.

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.

Later Career Stage

At this stage of life, the focus shifts to achieving long-term financial stability and planning ahead for your children’s future. Here's how to manage your finances as you build your family.

Money Management for a More Stable Career Phase

Don’t JagaDuit Like Leong and Hakim

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