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@judson1982 OP, just wondering, did you miss out a zero from your savings number?

@blurredcontours I wonder where OP works now and what currency he earns. I agree RM14k savings (especially the fact that this is after conversion) sounds really low considering no mortgage etc. I'm no expert but I don't suppose RM14k can last very long for a family of 4.

@authenticity Might as well go for ACCA instead of degree. It's not easy though, I've seen many seasoned accountants failing and retaking, so you gotta be very switched on.