Actually, how large the amount is depends on each individual as long as the sum is significant to you. Have you ever think for something better which benefits to you in future? The option are plenty such as clearing debts, starting an emergency fund, upgrade your skills and starting a business. We should plan the money properly when we getting a windfall profit. Perhaps an annual bonus from your company, profit from Forex or striking the lottery is always a pleasant surprise. Anyway, RM20k is a large amount to explore ways to save, invest or spend surplus cash on hand. Clearly, there is no one-size-fits-all advice on what to do as it depends on your stage in life and financial circumstances. However, a good rule of thumb is to … Read entire article »