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Ramai sangat teringin ada duit simpanan sampaikan terlupa perkara-perkara penting yang diorang kena buat dalam menyimpan selain put aside some money.

Simpanan sebenarnya perlukan lebih dari tu.

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1. MATLAMAT

Sepanjang berjumpa/membaca luahan anak muda tentang simpanan, bila ditanya apa plan jangka masa pendek/panjang terhadap simpanan tu rata-rata kata just nak ada duit.

Punya takde matlamat sampai ditanya nak ada berapa RM pun dia tak tahu.
Kat sini kita dah tahu yang bilamana kita takde matlamat, usaha tu selalunya akan terputus di tengah jalan atau berjaya tapi far below expectation.

Let say konsisten simpan RM100/month, lepas 3 tahun patut boleh ada RM3600. Tapi disebabkan buat "asal ada" mungkin cuma ada RM1000
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