The larger the savings you have, the lesser you need to save

Having a saving of RM 1,000 at 5.5% distribution rate will require you to topup additional RM 945 for the amount to become RM 2,000. However, if you have saving of RM 9,000 with the assumption of ceteris paribus, you will only need to topup RM 505 to have a total of RM 10k.

Savings money is difficult at start. But, it becomes easier as your savings grows.

So, you should start now and live frugally so that you will have better life tomorrow.