Dr Irfan Malik

Dr Irfan Malik

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05/05/2026

Most people get this wrong.

“Start saving gold now” — sounds smart, but not yet.

If you don’t even have an emergency fund,
gold won’t save you when life hits.

Car breakdown. Medical bill. Job loss.

Gold is for preserving wealth,
not for handling short-term emergencies.

Start with:
Emergency fund (3–6 months)

Then:
Gold for long-term protection.

Build your foundation first.
Then only you build your wealth.

04/05/2026

Trying to be more mindful these days…
because every unnecessary expense
quietly takes me further away from what truly matters.

03/05/2026

People always ask… when do you want to retire?
But maybe that’s the wrong question.

It’s not about age…
It’s about whether your finances can support your life.

Some people retire at 40.
Some people can’t retire at 60.

So the real question is…
Are you building a position where you can retire whenever you choose?

Photos from Dr Irfan Malik's post 02/05/2026

Just unbelievable.

Back in 2015, I remember complaining about a slice of cake going from RM7.50 → RM8.80 😅

At the time, I thought:
“Aduhh..Why la so expensive?”

I didn’t realise…
That was my first lesson on inflation.

Now, 10 years later,
That same slice has almost doubled in price.

If this was an investment, i’d say:
“Mm...Returns not bad”

But I already ate the cake. 😂

That’s how inflation works.

No big announcement.
No warning.

Just slowly…
Your money buys less than it used to.

Most people don’t notice it day to day.
Until one day, everything feels expensive.

By then, it’s already happening.

You can ignore inflation.
But it won’t ignore your money.

01/05/2026

Bersara umur 25?

Jarang kita dengar.
Tapi bukan tentang umur.

Ramai ingat bersara = berhenti bekerja.
Sebenarnya… bersara = cukup duit.

Real talk:
Kalau stop kerja hari ini,
simpanan anda boleh tahan berapa lama?

1 bulan?
6 bulan?

Kebanyakan orang tak pernah kira pun.

Start bina posisi kewangan dari sekarang.
Sikit-sikit pun tak pe..
Yang penting kena start.

Follow kalau nak belajar simpan emas dengan cara simple ✨

29/04/2026

“Prepare the umbrella before it rains.”

Orang Melayu dah pesan lama dah.

But most of us…
still wait until it starts raining.

End of the month?
Money left is barely enough.

Emergency?
Hmm..who should i borrow from?

It’s not because you’re bad with money.
It’s because… you didn’t prepare.

Simple things:
Budget. Emergency fund.

But if that feels hard, start with this:

Save in gold.

Because with gold…
you don’t simply swipe, tap, and spend.

It forces you to be disciplined.

Start small. Start soon...
Before it rains.

Follow for simple gold & money tips.

01/11/2025

𝗝𝗘𝗥𝗔𝗧 𝗛𝗨𝗧𝗔𝗡𝗚!

Ramai yang terbeban dengan hutang bukan sebab gaji tak cukup, tapi sebab tabiat perbelanjaan yang salah.

Gaji baru masuk tapi duit dah lesap. Bila kecemasan datang, kita terpaksa pilih jalan terakhir iaitu berhutang.

Ramai tersepit dengan hutang sebab terbiasa hidup lebih dari mampu.

Jika anda rasa susah nak simpan duit, ubatinya dengan menyimpan emas.

Emas terbukti mampu merawat masalah kebocoran wang.

10/10/2025

Tangan si kecil genggam erat pada baju kemeja ayah yang baru sahaja digosok. Jam sudah menunjukkan 5 minit lewat untuk bergegas ke ofis. Trafik mula sesak. Matahari dah terang.

Namun, semua itu tidak diendahkan sama sekali, kerana momen dan saat ini terlalu mahal untuk dilepaskan. Terima kasih beri kekuatan pada baba untuk terus kuat mencari rezeki ❤️

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