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@figuringitallout21 Is the PRS tax relief still available for 2021? What/how to get PRS for tax rebate purposes, a bit blur about this

@kimmyfs Give it a try! I do this because if I spend OR save all of it, either way I’ll feel guilty about not doing the other

@treegreentrey IMO yes. The key grouse most people have with putting funds into EPF is the illiquidity, which ceases being an issue once you reach 55 years old because you’ll be to withdraw it for use easily anytime. With the partial withdrawal option, it kinda works like a high interest...

@kimmyfs I feel you, I’m forever wondering why people around me are able to afford things that I can’t and it makes me anxious - there’s no way I can ask them about money matters without weirding them out because personal finance is a topic that’s sensitive for them. It’s why I like reading...

@cookie1720 I don’t think that’s necessary, it would be safer if she keeps her kwsp money in her account instead and just withdraw some amounts enough for use. I would think kwsp’s security is better than banks, harder to get hacked. But it’s a good sign, shows that she trusts you, thus unlikely...

@cookie1720 Is your mom old enough to withdraw her KWSP savings? If yes, please keep an eye out. A lot of times people who have been scammed once, fall for another scam right after that because they’re stressed out and irrationally think that they need to somehow recoup their losses. It clouds...