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@schnolhamor Personal finance is mostly psychological, not about the maths. My preferred strategy is someone on 10k a month income shouldn't be buying a 100k car on loan. If he has a good savings rate, save up and buy a used car with cash. E.g. - If he can save 40-50% of his salary, he can...

@sprinter1970 To those who are disappointed at the %, let me repost what I mentioned a few days ago: So EPF always needs to retain some portion of income for bad years when markets are down, etc. So they can always payout every year. They'll need to keep more profits this time because of 1...

@nancycc Alright, I'll bite. First of all, hats off of to you for sharing your tips. I think we need more people like you sharing useful information, strategies and tips with everyone else. I do disagree with this being a good long term / useful strategy. The quick summary is because: 1. The...

@agmitchell This looks like a life advice question, not a PF question. You dream of working in hike profile companies in potentially high profile roles, but your work ethic and discipline does not seem to match it. You cruised around and relaxed and didn't study. What makes you think even if you...