Plan.w.shals

Everyone has policy…
But not everyone has waiver.
And that one detail changes everything.

Comment WAIVER if you’re not sure.

'I had RM40k in my bank account, why pay interest to the bank?'

That sounds smart, but it's actually a middle-class trap. You are draining your liquidity to buy a depreciating asset.

Here is how I planned my RM40k car purchase (and you should too):

The "Cash" Mistake
If I pay RM40k upfront, the car is mine, but my bank balance becomes ZERO.
After 5 years? That car is worth barely RM25k. I lost my money AND my liquidity.

The Smart "Debt" Move
Instead, I used the "Arbitrage Rule":

Down Payment: Paid only RM10k
Loan: Took RM30k (2.8% p.a)

The Secret: I invested the remaining RM30k (which I didn't spend).

The Magic of 5 Years
While I was driving the car, my money was silently growing.
Loan Cost: RM34,200
Investment Growth: RM30,000 → RM50,550 (11% return)

The Result?
After paying off the entire loan, I still made a profit!

Basically, the market paid for a chunk of my car.

Lesson: Don't work for money. Make your money work for your loan.

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Understand Your Policy 🙏🏾
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Medical card ≠ Critical Illness
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