I have sufficient education funds for my children to study a four years degree in university. (It costs an estimated RM40K to attain a degree in a local university and an estimated RM200K for a degree in a foreign university. )
After I retire, I can live without depending on anybody
I want to travel with my loved one after retirement.
I always have RM100k with me as emergency fund. In the event of being diagnosed with critical illness or meeting with an accident, I will bear the cost without affecting my family.
If I pass away now, my family can still continue living without worries and maintain the same lifestyle.
I already have sufficient funds to cancel my debt if I am gone suddenly. The debt won’t trouble any of my loved ones.
I believe I can leave a legacy to my loved ones instead of debts even if I pass away suddenly.
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