You didn‘t go through years of medical or pharmacy school to be broke. Yet, here you are: juggling shift work, on-call duties, and perhaps a growing sense that your financial life is on autopilot—or worse, stuck in survival mode. In my work with Malaysian healthcare professionals, I meet two distinct mindsets. There’s the houseman desperate …
Month: March 2026
A few weeks ago, a client in her late 20s sat across from me. Pharmacist. Single. Good salary. She looked at her projected retirement number — RM2.8 million — and asked me a question that stopped me cold: “If I save RM2.8 million but never get to travel, never enjoy time with friends, never take …
I had a consultation with a senior healthcare professional last week. Let’s call her Dr. Aina. She is 55 years old, at the top of her field. Her days are long and her schedule is full. When she sat down in my office, she didn’t want to talk about expanding her practice or opening a …
The news is in: the Employees Provident Fund (EPF) has announced a dividend of 6.15% for both Conventional Savings and Shariah Savings for 2025 . If you’re a healthcare professional in Malaysia—whether you’re a nurse working 12-hour shifts in a government hospital, a pharmacist managing a busy community pharmacy, a physiotherapist building your own patient base, or a dentist juggling a …
