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When you’re in your 20s and 30s, you feel invincible.
You have time, decades ahead to try, fail, and recover. And with each year, money starts to build.
Fast forward to your 40s and 50s, you are at your peak earning power. But time?
It’s no longer endless. Mistakes are costlier, and protecting what you’ve built becomes critical.
Then comes retirement. You finally have the time but the money? If you didn’t plan, it’s running out. And there’s no pay check coming to save you.
Most people only think about wealth planning when it’s too late.
They wait for a crisis, a job loss, a medical bill or a missed opportunity to wake them up.
The earlier you act, the more freedom you create.
So, when’s the right time to plan? Yesterday. The second-best time? Right now.
When you are young, you have something priceless…time. Money may be limited, but every ringgit invested has decades to grow. As the years pass, responsibilities grow, and your time advantage shrinks. By the time you are older, you may have more money but far less time to protect or grow it.
The truth? Wealth isn’t built by chance. It’s built by starting early. And every year you wait, the cost of “someday” gets higher.
Will you use your time now to build and protect, or wait until both are gone?
