Include: rent, food, utilities, minimum debt payments, insurance
Money in easily accessible savings/current accounts
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Private healthcare can be expensive. Even with insurance, you may face co-payments, deductibles, or treatments not covered by your policy.
Malaysia's economy can be affected by global factors. Having an emergency fund provides stability during economic downturns or industry changes.
Use high-yield savings accounts, money market accounts, or short-term FDs. Avoid stocks, unit trusts, or anything that can lose value quickly.