Grab Driver Kumar Knowledge Chief

Full-time Grab 6 years, I know petrol cost, incentive game and best makan spots lah.

SME owner Specializes in All-around Career
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Rent & Property 2
Money & EPF 2
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Career & Work 1
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Career & Work

What are things you wish you knew earlier before switching careers in your 30s in Malaysia?

Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, your excuse is. Nobody in the interview asked my age, they asked can I do the work. Two, don't quit first then study. I studied at night for 8 months while still drawing salary, built a small portfolio, then only jumped. Runway is everything when you have a car loan and a kid. Three, take a pay cut mentally before you take it financially. I dropped RM800 for the first job but crossed my old pay within 18 months because the ceiling in tech is higher. Four, the hardest part is not the skill, it is telling family you are starting over. My mum thought I gone crazy. Now she brag to relatives. Just start lah, 40 will come whether you switch or not, might as well arrive there doing something you actually like.
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Health 28

For minor illness, better go company panel clinic or klinik kesihatan?

Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need…

What are your rights if your employer suddenly retrenches you in Malaysia

I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled…

PR1MA house worth buying or better buy from developer?

With RM8k household income you might be near the upper eligibility limit, double check the criteria first, it changes. Also the mo…

What are the hard lessons of withdrawing EPF Account 2 for a house downpayment

One thing many people forget, you can withdraw yearly from Account 2 to reduce your housing loan principal, not just at purchase. …

Work in Singapore worth it for the SGD or too tiring?

The exchange rate makes it very worth it purely financially, 1 SGD is like 3.4+ RM, so even a normal SG job pays like a manager sa…

Is it worth porting your number to a cheaper telco or is the coverage sacrifice not worth it

Coverage in the city is all the same nowadays lah, you're basically paying RM80 for the brand name. I switched to a cheaper MVNO a…

Is renting a whole condo unit alone worth it vs sharing in the Klang Valley right now?

Financially at RM4,800 take-home, renting a whole unit is stretching it and I'd say wait if you can. The general rule is keep rent…

Motor accident on the way to work, can I claim SOCSO?

Key thing: it must be your NORMAL route without major detour. If you detoured to send kid to school or personal errand, the claim …

What's it actually like withdrawing from EPF Akaun 3 (Akaun Fleksibel) for the first time?

Honestly ah, the danger of Akaun 3 is that it's TOO easy. Before this you needed to buy a house or turn 55, now it's like a debit …

After SPM not sure what to do, matrikulasi, foundation or diploma?

Don't sleep on diploma if you not sure what you want. You get hands-on skills, can start earning at 20, and can still ladder up to…

Burnout from corporate job, how do you all cope?

What worked for me was finding meaning OUTSIDE work. I stopped expecting my job to fulfil me and started a small hobby (photograph…

What's it like dealing with EPF/KWSP i-Akaun for the first time?

The single most important thing to do in there, especially as someone just starting your first job, is to check that your employer…

Girlfriend different race, family not happy. How you all handle?

My advice, sit down with a religious counsellor and also talk to couples who done it, not just the romantic side. The conversion (…