She couldn’t answer the last question as she haven’t start any savings… Still young 32, have house, car and a single mom with 1 kid. Solution: 1. Have life/hibah insurance for her kid and house financing etc. 2. Start do savings and invest even just RM100. Something better than 0. 3. Do monthly Budgeting and keep track on money in and money out. That’s for now, when she is more stable, can do even more in planning her money. “Sikit sikit dulu, buat mana yang mampu. Lama lama jadi bukit.”