@nareshwg: 1. Avoid spending on branded items just for the label. 2. Don’t rush into loans you don’t really need yet — car loans, credit cards, or housing loans can wait. 3. Build an emergency fund worth at least 6 months of your salary. 4. Once you receive your first paycheck, set up proper salary accounts right away. 5. Try to set aside 20% of your income into two funds: - Short-term: ASB & Tabung Haji - Long-term: Gold savings account 6. Aim to save at least 10% of your salary in gold. - Example: With a RM2,000 salary, save RM200 in gold. 7. Gold savings can be your future financial backbone, useful for: - Wedding fund - Hajj fund - House deposit - Children’s education ✨ Follow for more insights on gold savings and financial wisdom!

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