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@sparklingangel Very liquid

@mattmanticus whats the alternative to ILP?

@justin83 Apply for job overseas. This skillset is niche with not a lot of demand locally and underpaid.

@erniedavid cool. then youre doing ok.

@cookie1720 U should educate her on how to identify scams. In general, very rarely any investments return more than 10%. Also, shady and opaque operations are red flags. If any opportunity is so good, most of the time, the person selling the scam would have thrown their life savings in there...

@erniedavid wait for VP and secure tenant. that will free up the cashflow for car payment. even if rented out at rm1k++. dont forget associated costs for car: petrol, insurance, roadtax, maintenance, GT Wing, wrap pearl green, bucket seats, xmm, etc. fyi, your investment portfolio seems very...

@secretsis Your TH is more than ASB. Any specific reason? ASB better for a while now. Unless you are getting better returns. May want to re-balance. 9k savings where? under mattress? ideally put in ASB also. saving 300 from a 1.5k salary is ok. just remember its a trade off / balancing act...

@westmedsupply u started in 2021, which means u havent experienced a down cycle yet. Maybe read up on the previous crashes and understand what kinds of exposure/risks in the current portfolio. That will answer where you should start looking. u should read up where people move money in...

@chadmc Makcik would have probably done better doing that with eth /s

@charley18 With the money you have, settle the smallest amounts first. Sell the gold, use the money to settle the smallest amount again. Then recalculate what is left. From the looks of it, you may have enough to clear everything or at least only have to topup the difference a little bit more...

@fndnstne yep. call them out on it. make sure they know u are onto them. record all conversations. then ask for a glowing recommendation letter. dont let them push u around. probably the simplest thing instead of trying to actually sue them for wrongful termination.