Penjawat Awam, ubah mindset suka berhutang. Nak Kahwin = Loan Peribadi. Lepas Kahwin = Loan Sofa, TV, Peti Ais, dsb. Dapat Anak = Overlaps Loan. Anak Belajar = Loan PTPTN. Anak Kahwin = Overlaps Loan. Ajar anak tabiat menyimpan, bukannya wariskan tabiat berhutang.