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@yourfatcousin Build up emergency fund (6month salary in case you lost job) Increase your income. Lower living expenses Budget your savings for near term purchases : a. House b. Car. C.wedding , d. Children Then you consider invest

@blessed2day It is quite a smart way to do it. Say in a scenario you have other sources of income from euro or Sgd , using wise card for daily expenses in malaysia or other places could be useful.