How to Retire Early in Malaysia with RM1.2 Million, Even Without EPF

Early retirement isn’t just a Western fantasy, more Malaysians, especially millennials and Gen Z, are wondering: “Can I retire by 45 or 50 without relying on EPF?” The answer is yes, but it requires clarity, commitment, and a new way of thinking about money. Let’s break down exactly how you can achieve financial independence in…

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How to Choose the Right Insurance in Malaysia Without Overpaying (2025)

Confused about what insurance to buy in Malaysia? You’re not alone. This 2025 guide shows you exactly what coverage you need (and what to skip), how much to pay, and how to avoid costly mistakes. No sales talk, just smart, honest tips for Malaysians at every life stage. Learn the difference between Takaful vs conventional, ILP vs term life, and the best budget options for B40. Get insured the right way, and save money doing it.

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