Cikgu Rich

Cikgu Rich Personal Finance and Career Stuff for the curious Malaysian

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Good things must share 🫡 Use the promo code: “Merdeka” when renewing Grab Unlimited and get a 69% discount 🥹 From RM47.9...
15/08/2026

Good things must share 🫡 Use the promo code: “Merdeka” when renewing Grab Unlimited and get a 69% discount 🥹 From RM47.90 to RM14.85 for the 1 year plan

I just did mine 💪🏻

This morning, Non-farm payroll (NFP) came in weak at - 23k when Wall Street expected +80k. In return, gold and stocks ra...
08/08/2026

This morning, Non-farm payroll (NFP) came in weak at - 23k when Wall Street expected +80k. In return, gold and stocks rallied. The reason for this is the weak NFP print lowered odds of an interest rate hike from 57% to 44%. When rates can stay lower for longer, gold tends to rally💪🏻 Not financial advice 🙏🏻 Do your own research too! Gold is still a high risk investment

08/08/2026

Friend making RM2.5k as a retail staff: “Don't worry, bro, this one's on me, you get the next round”

Friend making RM25k as a senior software engineer: “Can you T&G me RM4.62 for your share of the Grab ride?”

07/08/2026

Good things must share 🫡 Applecrumby is having their first ever clearance sale next weekend! Register at bit.ly/ACWS26 to claim some great savings! 😎 Share this with a parent who needs to know

06/08/2026

Money questions you NEED to ask your boyfriend/girlfriend before marriage.. Anything else to add?

Having a baby can raise your salary. If you’re the dad. 😳Economist have a name for it: the fatherhood premium and the mo...
05/08/2026

Having a baby can raise your salary. If you’re the dad. 😳
Economist have a name for it: the fatherhood premium and the motherhood penalty.

If you have a RM3,000 salary with NO increments EVER.. you would still automatically retire with RM1,000,000 in KWSP 💰ZE...
05/08/2026

If you have a RM3,000 salary with NO increments EVER.. you would still automatically retire with RM1,000,000 in KWSP 💰

ZERO increments and still a millionaire at retirement.. but according to EPF stats: only 21.5% of contributors aged between 56-60 have more than 390k in savings 💔

I hope (for their sake) that they have lots of cash in other savings like ASB 😣

04/08/2026

Having a baby can increase your salary... if you’re the dad 😐

Economists call it the Fatherhood Premium and the Motherhood Penalty.

The evidence is surprisingly consistent across many countries: fathers’ earnings tend to increase after children, while mothers often experience slower wage growth or lower earnings than comparable women without children.

Understanding the problem is the first step toward finding better solutions

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