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@kevott If you have AIA Vitality their device cashback plan is decent, if you are able to consistently hit the weekly challenges (step count/heart rate). You get RM10 back each week you hit the challenge over 2 years. If you hit most of the challenges, you basically only pay less than RM500 out...

@erniedavid Saying taxes is the biggest deduction is being disingenuous. You're paying close to 4k per month on property (loans + maintenance + quit rent, misc. unaccounted).