- 6/18/2025
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00:00One thing that we don't want to be is a lot of people, their salary can be $20,000 a month
00:04and it's still not enough for them.
00:05Because every time they get a salary increment, they find a new thing to spend on.
00:08Actually, I have a thought to buy a new car.
00:10Okay.
00:11When you put that on hold, after now.
00:13After I met you.
00:13Okay.
00:14Another thing you can do is set yourself a fund budget.
00:16It's like a fund, like a savings account for you to spend on anything that you like.
00:20That's my problem.
00:21I get too comfortable with my situation right now.
00:23But when something bad happens, that's when everything will unravel.
00:30Welcome back to another episode of The Money Goal.
00:33My name is Ymir and today I have Alia with me.
00:35Hello.
00:36Hey, Alia.
00:36Hi.
00:37So, I heard you have some spending issues.
00:39A small spending issue.
00:41Yeah.
00:41Yeah.
00:42Actually, I think a lot of people also struggle with the same problem as me.
00:45Actually, I have the same problem.
00:47Never mind.
00:47You talk first.
00:48I work hard and then I earn a decent income.
00:50Yeah.
00:51But.
00:51Congrats.
00:53It's always like by the end of the month, my bank account just looks like very, very
00:58disappointing.
00:58You're disappointed in your performance.
01:01No matter how much I earn, it just feels like never enough.
01:05Okay.
01:05Okay.
01:05Okay.
01:06Maybe it's a problem with your bank account, not your spending issue.
01:08Yeah.
01:09Maybe it's a, yeah.
01:10I think that's so.
01:12Okay.
01:12Okay.
01:12Okay.
01:13Okay.
01:13So, I think first of all, good that you earn a decent income.
01:17I think this is a.
01:18Alhamdulillah.
01:18Alhamdulillah.
01:19Very good.
01:19Very good.
01:20Honestly, it's better that your problem is you earn too much but you spend it all rather
01:26than your income is too low.
01:27Because if your income is too low, then I can't help you because you need to just go
01:31and earn more.
01:31Yeah.
01:32If you spend too much, you can cut.
01:33If you earn too little, there's nothing we can do.
01:35All right.
01:35But it's okay.
01:36I think maybe, let me share a bit about it.
01:39Okay.
01:39So that you'll get, you'll see why I'm struggling.
01:42Okay.
01:42So, I started working at age 23.
01:46Really?
01:46It was three years ago.
01:49So, of course, when I started working, my parents didn't financially support me.
01:54As soon as you started working?
01:55Yeah.
01:56Same.
01:56So, I have to pay everything on my own lah, kan?
01:59So.
01:59Unbelievable, right?
02:01I thought they were going to continue paying for me also.
02:02So, when it comes to like saving, during my first year of working, I'm still like adjusting
02:11everything lah.
02:12With my money, with my new life.
02:14And then after a few months of working, I did actually have some saving.
02:19Not a lot, but still got.
02:21I have two saving accounts.
02:22I have tabung haji and ASB.
02:24Okay.
02:24But I have this one mentality where if I put my money into my tabung haji, I still,
02:30I can easily take it out.
02:32You can access it lah.
02:33Yeah.
02:33Okay.
02:33And if I put it into my tabung haji, I heard it from someone, it hard to take it out.
02:40You mean ASB?
02:41Yeah.
02:42Ah, ASB, yeah.
02:43ASB is more difficult lah.
02:44It's more difficult.
02:45Your limit to withdraw from online, I think it's RM2,000.
02:48Otherwise, you have to go to a bank.
02:49So, that's why I put a lot into my tabung haji.
02:51Okay.
02:52So, this is what you get?
02:54Okay, okay, okay.
02:55I thought you were going to see something good, but okay.
02:57I put a lot into my tabung haji so that I can easily take it out.
03:00Okay, okay.
03:02Okay.
03:02It was mad.
03:03Okay.
03:04Okay, but then you said, so when you just started working, even your first few months,
03:07you already had some savings.
03:09Yeah, after a few months of working.
03:11Okay.
03:11Actually, that's pretty good.
03:13But my commitment during that time was I paid for my car around $700.
03:19Oh, they won until now actually.
03:21Okay.
03:21And then I rented a house with my friends.
03:23I paid around $750 for my room.
03:26Okay, that's quite low.
03:27It's okay.
03:27That time.
03:28Okay.
03:29That time.
03:29Okay.
03:30Okay.
03:30And then your income went up.
03:32Yep.
03:32And then some for my parents, my insurance, and the rest for my daily use.
03:37Okay.
03:37And then after a year of working, I suddenly had a thought like, I'm working hard, right?
03:44Yep.
03:44Why not give me a little self-help for myself?
03:47Okay.
03:47So I planned a trip with my friends.
03:49And that was my first ever trip that I paid everything on my own.
03:53Okay.
03:53And yeah, like I said before, I use my tabong haji.
04:00You withdraw it and?
04:01Okay.
04:02And I use it for my trips.
04:03Okay.
04:03Yep.
04:04Okay.
04:04And I think that's okay.
04:08Actually, yeah.
04:09Don't need to feel too bad about it.
04:10It's okay to self-reward a bit.
04:12And then that's when all the problems started.
04:15Oh.
04:16So that was that trip?
04:17Yeah.
04:17It was the...
04:18No, I get addicted to it.
04:19Oh, you get addicted to it.
04:21Okay.
04:21Okay.
04:21Maybe it's bad then.
04:22But okay.
04:22Never mind.
04:23Let's...
04:24As for last year, I went to like four different places.
04:27Four different places.
04:27I went to Bangkok, Krabi, Jakarta, and so on.
04:32Okay.
04:32Yep.
04:33But you paid for it yourself.
04:34No loans, right?
04:34Yep.
04:35No debt.
04:35No debt.
04:36Okay.
04:36At least that's debt.
04:37At least that's not bad.
04:39And then...
04:41Yeah.
04:41And then I think end of last year, something's actually happened to me where I have to move
04:48out from my old house.
04:50Okay.
04:50So in order to like move into my new house, I have to like use everything in my tabong
04:56haji lah.
04:57To move to a new place?
04:58Yep.
04:59Okay.
04:59And this is because you need to pay deposits and stuff, is it?
05:02Mm-hmm.
05:02Okay.
05:03And is your new place more expensive as well?
05:04Yep.
05:05Okay.
05:06More expensive.
05:07Okay.
05:07Okay.
05:07Okay.
05:08Okay.
05:09And then after...
05:11I think early this year ke?
05:13Early this year, my car broke down.
05:16So that's when I realised that I don't even have any emergency saving.
05:21Oh.
05:21Like can you imagine?
05:22I don't even have an emergency saving.
05:24Apa telagi saving for my future?
05:26Okay.
05:26Okay.
05:26So when your car broke down, you couldn't afford to repair it lah.
05:29Yep.
05:29And then that was when you had the realisation.
05:31Yeah.
05:31That's when...
05:32That situation is where I realised that I don't even have any emergency saving.
05:40Okay.
05:40And...
05:41Your enjoyment went a bit too far lah.
05:42That situation is actually like an eye opener to me lah.
05:45That saving is actually like very, very important.
05:47Okay.
05:48Okay.
05:48But I just realised now.
05:50Okay.
05:50Okay.
05:50I mean...
05:50This year, I mean...
05:52Okay.
05:52It's better than never, right?
05:54Better that you realise now than never.
05:55Okay.
05:55Okay.
05:56And to be honest, I don't even have any like knowledge about saving.
06:00Okay.
06:01That's my problem.
06:01Just set the money aside and don't touch it.
06:03Yeah.
06:04Okay.
06:05Okay.
06:05I think...
06:06Let's just address it like one by one.
06:09Okay.
06:10So I think first of all, for those of you guys listening, right?
06:13I think going four trips a year, moving to a nicer house, all these things are
06:18not an issue.
06:19Nice, right?
06:19Yeah.
06:20It's nice.
06:20It's nice.
06:20It's nice.
06:21It is really not an issue as long as you still have money to save lah.
06:26Okay.
06:27So if you are earning more and you can afford it, then by all means, go for as many holidays
06:31as you want.
06:32But you need to make sure that you still have savings lah.
06:34But I think, okay, one thing, like I said, that's now very important.
06:36At least you don't have any debt.
06:38I think the bad scenario for you would be you spent all your money to go on a trip.
06:42Your car broke down.
06:43You took a loan.
06:44Pay for the car.
06:44And you're like, actually, I can take loans to go for holidays.
06:48Holidays as well.
06:49And I think that would be the...
06:50Were you thinking that?
06:51That's what I thought.
06:53I was thinking to take...
06:54Okay.
06:55To start a...
06:57I mean, to take a credit card.
06:59Okay.
06:59For travel.
07:01No?
07:02Okay, okay.
07:02Maybe we should...
07:04Good thing that we are talking now, Ben.
07:05I think before you get there, we better address this issue.
07:09Okay.
07:09Since you started working three years ago until now, has your income gone up?
07:12Have you gotten increments and stuff, right?
07:14Okay, that's good.
07:15But still not enough.
07:16Still not enough money.
07:17Yeah.
07:17Still not enough.
07:18Okay.
07:18Okay.
07:19Like you said, I think pretty common.
07:21Even when I just started working, 2020, so that was like, I don't know, five years ago?
07:26No, 2018.
07:27No, seven years ago.
07:28Yeah.
07:29And my first salary was 4,000 ringgit.
07:31I never had that money before in my life, like getting into my account.
07:34And I was like, oh, I'm going to buy everything.
07:36And I started spending all my money and stuff.
07:38And then again, same as you, I realized that, where's my money?
07:43I've been buying all this stuff.
07:45I've been buying stuff for people and things, but I didn't have any savings.
07:48So pretty similar situation, right?
07:50People get higher income, but still no savings, right?
07:54Okay.
07:55So I guess first step is for us to identify where our money is going.
07:59Do you roughly track expenses or know where your salary is going?
08:06No.
08:06No.
08:07Okay, okay, okay.
08:07Okay, yeah.
08:08So I think that's the first step for most people.
08:10I did at least for my commitment only, but for...
08:12Commitments are like loans and stuff.
08:14For, yeah.
08:16Rumah, car.
08:17Rent and stuff.
08:18Okay, okay.
08:18Yeah, I think that's a good first step.
08:20And I think for the next one month, maybe you want to just start tracking your expenses.
08:23Okay, just so you know where your money is going, right?
08:26For us to cut down on our expenses, we need to know where we're spending first.
08:30So let's say you track, track, track, track, track, and you realize that you're spending
08:33RM2,000 a month on food.
08:35And you're like, oh, that's too much.
08:36I didn't know I was spending so much.
08:37It's that every day I was buying a latte for RM15, and then now I realize that it's
08:41actually a lot of money.
08:41So then you can cut there.
08:43Okay, so that's the first step when it comes to figuring all of this out.
08:47Okay?
08:48And then the next step is you want to build your emergency fund.
08:52I would say, if you're disciplined enough, you've enjoyed yourself for the last three
08:58years, right?
08:58Four trips last year, and then probably more trips in the last two years before that.
09:03So maybe if you can, just think to yourself, okay, I've enjoyed myself already.
09:08Now it's time for me to pay back for all those years.
09:11And the first step is to build your emergency fund.
09:13Like you said, I think that's very important.
09:15Generally, people will aim to save between three to six months of their expenses.
09:21So if, let's say you're spending $3,000 a month now, you want to save $9,000, or if
09:26you want to do six months, then $18,000.
09:28Then that's a good starting point.
09:30Okay, the reason we want an emergency fund is not so that if your friend asks if you want
09:35to go to Korea, that's not an emergency.
09:37Yeah, that's not an emergency.
09:38This emergency fund is more for like, like you said, if your car breaks down, or I heard
09:42you have cats, right?
09:43Yeah.
09:43What if your cats get sick?
09:45You need to make sure that you have this money to be able to pay for it.
09:47Yeah.
09:48Right?
09:48So if you feel like it's such, it's so tedious to save money for this, just think about your
09:53cats.
09:54What if one day they need to go to the hospital?
09:55You need to have this money ready, right?
09:57Yeah.
09:57So, so, let's step one.
09:59Build your emergency fund.
10:00Okay.
10:00Okay.
10:02How you do this?
10:03There's going to be a few ways.
10:05Either you want to come up with a full budget, right?
10:08Some people use 50, 30, 20 rule, which is 50% for your necessities.
10:13So these are stuff like your house, your car.
10:15These are things that you need, right?
10:17And 30% for your wants.
10:20So these are, let's say, more expensive meals or holidays.
10:2330%.
10:23That's something that you want, right?
10:24You don't need, you don't need a holiday, right?
10:26You want a holiday.
10:27Yeah.
10:27I want, I want.
10:28Okay.
10:28Okay.
10:28And then the remaining 20% is what people put to savings.
10:31So that's the normal budgeting rule.
10:3350, 30, 20, 20.
10:36So 50%, 30%, 20%.
10:37But if that's too difficult, right?
10:39Then there's another one.
10:40Yeah.
10:41There's another one.
10:41If you don't want to budget, you don't want to track your expenses.
10:43There's another way, which I currently use as well, which is to pay yourself first.
10:47So every month when you get your salary, you guys get your salary on the 28th, 25th.
10:53Okay.
10:53So every month when you get your salary on the 25th, on the 26th itself, you automatically
10:58set up a transfer to move this money to somewhere else.
11:01So this is you paying yourself.
11:03You just imagine that this is like a bill.
11:06It's like, you know, your saver rumah.
11:07Every month you have to pay, right?
11:08Yeah.
11:09Regardless, you have to pay your saver rumah, right?
11:10But some people, they think, ah, savings, if this month I can't afford it, then never
11:14mind lah.
11:15Oh.
11:16You do that?
11:16That's what I do.
11:17Okay.
11:17Okay.
11:18Yeah.
11:18So I think a lot of people do that.
11:19I mean, I don't force myself.
11:21Yeah.
11:22I think a lot of people do that.
11:23Or some people even, they say, okay, I will just, I get my salary on the 25th.
11:26I spend everything first.
11:28At the end of the month, if I got left over, then I will save lah.
11:30Some people do that as well, which is not the right approach.
11:33So you want to do one day after your salary comes in, immediately move it somewhere else
11:36to another account.
11:38Okay.
11:38If you have issues looking at your tabung haji and feeling like, oh, I can withdraw it
11:43so easily.
11:44Then this is the time that you want to force yourself to move it to ASB.
11:47You can move it to a fixed deposit as well.
11:50Fixed deposit is like, you know, with banks, you just deposit money with them.
11:54You can lock it up for 12 months and then you literally cannot touch it.
11:57That's good for people like you.
11:58Yeah.
11:59Yeah.
11:59Yeah.
12:00Yeah.
12:00Yeah.
12:00But what if I need to use that money?
12:02You need to use the money, right?
12:03So, okay.
12:04So then I would say, there's actually a way to get it lah.
12:07Even though I say it's fixed, it's locked, there's a way to get it.
12:09You can always just request from the bank to unlock it.
12:10There will be a penalty for it, which is you won't get the interest payments, but you can
12:14still get the money back.
12:16ASB as well, you can move your money there.
12:17More difficult to withdraw, but if you really need it, you can go to a bank and get it out
12:20if you want.
12:21Yeah.
12:21It's just that I think now you want to add additional layers for you to get access to
12:26your money.
12:26Because maybe tabung haji is too easy for you.
12:28Yeah.
12:28Like you feel like, this is my savings, but at any time I can access it, right?
12:33Yeah.
12:33So now you want to add a layer of difficulty lah, which is, for example, ASB.
12:37Now if you want to access that money, you need to think, I need to go to a bank branch.
12:41When am I going to go to a bank branch, right?
12:42They only open until 5pm, I'm working, it's so difficult, right?
12:45So these are the things that you want to do.
12:47Add additional layers so that it's more difficult for you to access that cash.
12:50Right?
12:51So that's an easy way.
12:52If you're too lazy to track expenses, if you're too lazy to do 50, 30, 20 and all that,
12:56just pay yourself first.
12:58Okay, so if you can do 20% of your salary, that would be good.
13:02But if you cannot, then you can start at 10%.
13:04If you cannot, you can start at 5%.
13:05It's okay.
13:05You just want to start somewhere first.
13:07Okay, so maybe start 5% and then slowly increase, increase, increase as you go.
13:10Until you hit your emergency savings goal and it's done.
13:14So like, every time I wanted to do a saving, start a saving, I have to like, have a goal,
13:21is it?
13:23Not necessarily.
13:24But a goal will at least keep you motivated lah.
13:27Like for example, if I'm saving for a wedding, then I'm motivated because I want to save money
13:31so that I can get married, right?
13:33If you don't have a goal, then some people will lose motivation lah.
13:35Like, I'm not saving for anything, there's nothing I want to buy, so I'll just take it
13:39and spend it now lah.
13:40Yeah, yeah.
13:41So I think that's why lah I tak letak my money into my ASB because I don't have any goals.
13:46Right.
13:46Like, instead of macam letak in the tabung haji, I have a goal.
13:51Like, I will use it for my trip.
13:52Oh, I thought you were going to say you'll use it for haji, not for your holidays.
13:57Okay, okay.
13:58Soon.
13:58Okay, okay.
14:00Okay, yeah.
14:01So I think that's my problem lah.
14:02Yep, yep, yep.
14:03Like, I get too comfortable with my situation right now.
14:06Yep.
14:06But when something bad happens, that's when everything will unravel lah, right?
14:10Which is what you want to avoid.
14:11So, your goal can be to be a bit more financially stable.
14:16Seriously, having like six months worth of expenses saved up will give you a lot of peace
14:20of mind because you know that if your car breaks down, if something happens, something
14:25bad happens, you need to pay for something, you'll be fine.
14:27You know that if, let's say touch wood, you lose your income, you'll be fine because at
14:31least you have six months worth of expenses, right?
14:33It gives you a lot of peace of mind lah.
14:35I'm sure you were stressed out when your car broke down, right?
14:37And you're like, I didn't have money.
14:38Yeah.
14:39So, this can be your goal, to be more financially stable.
14:43And it's something that you want to just work towards lah.
14:46Yeah.
14:46Small, small goals.
14:46It's okay.
14:47Yeah.
14:48Other than that, is there any simple ways to like start a saving without downgrading
14:54my lifestyle?
14:56Earn more money.
14:58You can earn more money.
14:58That's another way.
14:59Yeah.
15:00The two options that you have to save money is downgrade your lifestyle or earn more money.
15:04It's up to you.
15:05Okay.
15:06For me, I prefer to earn more money.
15:08I would prefer to go find ways to earn more money rather than trying to downgrade my lifestyle.
15:11But if you don't think you can get that, then you have to downgrade your lifestyle
15:14for now.
15:15I understand.
15:15Yeah.
15:16Okay.
15:17So, one thing that we don't want to be is a lot of people, a lot of people, their salary
15:21can be $20,000 a month and it's still not enough for them.
15:24Because every time they get a salary increment, they find a new thing to spend on.
15:28Right?
15:28That's what we want to avoid.
15:30But I think one thing that you're doing well is that I hope you don't have any like, you
15:34don't have any loans, so you don't have any big commitments, right?
15:36No.
15:36Okay.
15:37That's good.
15:37I think some people, they earn no money and immediately decide to buy a new house or buy
15:42a new car.
15:43These are things that you cannot reverse.
15:45Once you buy a car, you're stuck for like nine years, right?
15:47But at least if you spend your money on the holiday, then okay lah.
15:50One off, you can always just try and save it back.
15:52Right?
15:52Yeah.
15:52So, I would say one thing that you should be cautious of because you like to spend money,
15:57right?
15:57As you earn more, make sure you don't get into any big commitments.
16:02Don't start buying things like iPhone 24 months installment, buy a house, buy a new
16:07car because you deserve it and stuff.
16:09Yeah.
16:10These are things that you want to try and avoid lah.
16:11Actually, I haven't thought to buy a new car.
16:13Okay.
16:13When you put that on hold lah.
16:15After I met you.
16:16Okay.
16:18Wait, but your car works, right?
16:19Huh?
16:20Your car now works, right?
16:21Yeah.
16:21Okay.
16:21Yeah.
16:22Yeah.
16:22I think try to avoid those lah.
16:23I would say save towards your, if you can hit your emergency fund target, six months,
16:28then you can reward yourself.
16:29Six months eh?
16:30Yeah.
16:30I think now you should set like financial goals.
16:33When you hit it, reward yourself.
16:35It's fine.
16:36Yeah.
16:36I also think that people should reward themselves.
16:38I don't think you should hyper fixate on trying to save money, investing, saving for
16:43the future that you don't get to enjoy your life now.
16:44I think there needs to be a balance.
16:47It's just that now your balance is a bit awful so lah.
16:49You're spending too much lah.
16:50Yeah.
16:51But it's something that you can fix.
16:52Don't worry.
16:52Like I said, a lot of things that you can cut down on.
16:54Yeah.
16:54Not an issue.
16:56So, what's your thought on credit card actually?
16:58Because I was thinking to like, uh, um, make a credit card for an agency.
17:02Yeah.
17:03What do you think about it?
17:05Uh, I, okay.
17:05I think credit cards are good.
17:08But to me, credit cards are just, uh, or any debt in general is just a tool.
17:13And then how you use it will determine whether it's good or bad.
17:16Okay.
17:16I'll give you an example.
17:17To me, a credit card is like a hammer.
17:20If you use a hammer to make a house, then the hammer is good.
17:23But if you use a hammer to hit someone's head, then the hammer is bad.
17:26So it's the same.
17:27Credit card is just a tool.
17:29But whether you use it well or you use it bad, that will depend on you lah.
17:33Right?
17:33So why I think credit cards are good is number one, it will help you build your credit score.
17:37Yeah.
17:37And then it can help you with cash back and stuff like that as well.
17:40Uh, and some people, they also use it as an emergency fund.
17:43But the issue is, if you only rely on that for your emergencies, let's say you keep swapping
17:50your credit card whenever there's an emergency and then you can't pay it off and then you
17:53will start getting into that, that cycle lah.
17:55Which is, you don't have savings to pay off your credit card.
17:58And then every month you get charged interest, it goes up and out and out.
18:00It snowballs lah.
18:01Yeah.
18:01So for you, for your situation now.
18:03Yeah, for my situation.
18:04Based on what you're saying, I will avoid getting a credit card first lah.
18:07Until you can get, until you can get your spending under control, until you can get, uh, your
18:13savings up, you feel a bit more disciplined, and then you get a credit card lah.
18:16Because, like I said, credit card can be very good for responsible people, but can be
18:20very bad as well.
18:21Can be very bad.
18:22Yeah.
18:25It's okay.
18:26But another thing that you can do, right, is because you like enjoying yourself, you like
18:30holidays and stuff, right?
18:31Another thing you can do is set yourself a fun budget.
18:33So I do that as well now.
18:36Every month, like, uh, it's like a fund, like a savings account, for you to spend on
18:41anything that you like.
18:43Okay?
18:43So like, for example, me now, I will put 10% of my income every month towards another
18:47savings account, and then I will use that to buy whatever I want.
18:51So I don't feel bad about it.
18:52If I want to go on holiday, whatever it is, I don't feel bad about it because I already
18:54set aside money for it.
18:56That's also something that you can do lah, and a lot of people do as well.
18:59Yeah.
18:59So is it better to, like, have, uh, many savings account instead of just have one?
19:05Uh, I don't know.
19:06If you have another savings account, would you feel like?
19:09The thing is, if you have, some people have another savings account, let's say they open
19:12it, just so that they feel separate for them, so they won't touch that savings account because
19:17they don't see the money.
19:18But if you know in your head that you can withdraw that money, then, uh, no purpose lah.
19:22No purpose lah.
19:22You can still stick to things like ASB, free deposit.
19:24I think those are good options for you.
19:26Yeah.
19:26You don't need too many accounts.
19:27Okay.
19:28Right?
19:29Okay.
19:30Cool.
19:31Thanks, Alia.
19:31I hope you can, uh, so I think this is a problem that you can definitely fix lah.
19:35It's not a huge issue where you're stuck financially.
19:38It's just a slight shift in terms of, uh, your perspective towards saving money lah.
19:43Right?
19:43So if anyone of you guys feel like Alia now, you guys are earning more and more money, but
19:47you cannot save, um, I guess, three key takeaways.
19:51One, start tracking your expenses.
19:52Mm-hmm.
19:53Uh, two, if you need to, put it somewhere that's difficult to access, your cash, your
19:58savings, not tabong haji so that you can immediately withdraw, okay?
20:01And then number three, most important thing, if there's only one thing that you take away
20:06from this whole talk, pay yourself first.
20:08Every month, you get your salary, pay yourself first, and then if you can save 20%, the remaining
20:1418%, you do whatever you want.
20:15Up to you.
20:16Because you already paid yourself first.
20:18Cool.
20:18Thanks, Alia.
20:19Nice talking to you.
20:20All the best.
20:20I'll check in, uh, in six months' time lah, to check on your emergency fund.
20:25All right.
20:26Thanks for watching, guys.
20:27See you in the next one.
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