About nadlique

This blog is about the journey of a 28-year-old Malaysian towards financial freedom. This blog was started back when the blogger was 21 years old. However, his journey towards financial freedom had begun way before that. Materials such as investing, business, entrepreneurship, equities, and real estate are presented. The author also posts his thoughts and observations on life in general.


  1. isn’t 12 months worth of emergency fund is too much i.e money not working hard enough?

    • Personally I don’t think so.

      Firstly, I do think that 6 months is the bare minimum. Once I’m a bit more comfortable financially, then only I’ll be aiming for that 12-month target.

      The reason behind the 12-month target is probably this. I don’t want to get caught up with things like sudden medical expenditure if my insurance gives me trouble. About a year ago, a friend of mine got into some trouble. She had a cyst in her ovaries or something like that and had to go through an immediate surgery. Her insurance couldn’t cover her for some reason and she had to go to her friends and borrow heaps of money.

      I guess, the phrase of “better be safe than sorry” comes to mind when I think about the 12-month target.

      Anyway, what do you think? Do share your thoughts.

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