The Money Goal - SYOK Podcast [ENG]

“Pay Later” doesn’t feel like real spending and that’s exactly why it’s dangerous. In this episode, we break down a real confession and uncover how BNPL (Buy Now, Pay Later) quietly changes your behaviour, making it easier to overspend without realizing it. If you’ve ever told yourself “it’s only a small amount”… you need to watch this. Learn more about your ad choices. Visit megaphone.fm/adchoices

We go deeper into the truth behind generational wealth, income vs real wealth, and the mindset that keeps people stuck. This isn’t just about money, it’s about how you think, who you surround yourself with, and how you play the cards you’re dealt. Learn more about your ad choices. Visit megaphone.fm/adchoices

New year, new resolution and for the SYOK team, it’s trying not to online shop. We live on our phones 24/7. We use them to stay connected with loved ones, get work done, and even keep up with hobbies like reading and working out. But there’s one combo that might be the most dangerous of all: social media and shopping apps. So, are the things we see on social media, influencers, trends, and even causes pushing us to spend more than we realise? Let’s talk about it. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve been with the same company for years, but your salary hasn’t really moved — meanwhile, food prices, rent, and utility bills just keep climbing. So what’s it actually like being in your 20s and 30s in Malaysia today? Are our salaries keeping up with inflation, or are we earning less than we realistically should be? In this week’s episode of The Money Goal, host Emir sits down with producer Yasmin to talk honestly about wages, rising living costs, and the financial realities many young Malaysians are facing right now. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

So you’ve been best friends for over 10 years… but you’ve never travelled together. And they say travelling together is the ultimate friendship test 😬From splitting expenses to setting boundaries, how do you actually manage money when travelling with friends? In this episode of The Money Goal, host Emir and producer Aishah share their real-life travel experiences, the money conversations they’ve had with friends, and how they handle finances on trips without ruining the friendship. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing in yourself is always worth it! Learning a new language, picking up design skills, or even trying copywriting can not only help you grow personally but could also boost your career and income. Make yourself valuable! This week, our hosts Emir and Yasmin dive into the world of self-improvement and skill-building, and discuss one big question: how far should you go when investing in yourself? #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve all experienced it: quiet quitting. That period when work feels unmotivated and unfulfilling, and the weekends start to feel like the only time to escape or feel something. Many people end up spending a lot just to fill that emptiness. In this episode, Emir and Aishah talk about what burnout really feels like, how they cope with it, and ways to manage those emotions without overspending. Tune in for honest tips and relatable stories. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Self-care is essential, but where do we draw the line? From retail therapy to pilates classes and regular spa days, this episode dives into how much is too much when it comes to spending on yourself. We talk honestly about balancing your finances while still prioritising your wellbeing, because taking care of yourself should not come at the cost of your financial peace of mind. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Is job hopping bad for your resume, or is it actually normal in today’s job market? Many people say leaving a company too soon shows disloyalty... but do employers still expect you to stay at least two years? In this episode, our host Emir and producer Yasmin share their honest experiences with job hopping, why they changed roles, and how they finally figured out what career path fits them best. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone says sharing a place with housemates can help you save. Split the rent, split the bills, even split the dishwashing soap. Sounds ideal… but is it really cheaper, or are people just not talking about the hidden costs? In this episode of The Money Goal, Emir and producer Aishah spill the real tea on their own renting experiences, from living with housemates to renting solo, and what actually makes the most sense for your wallet. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Malaysia’s passport is now officially the 3rd strongest in the world, meaning you can enter over 180 countries visa-free or with visa-on-arrival. That’s easily RM500 saved for souvenirs, café-hopping, or that must-try local dish on your next trip. Plus, the Ringgit is gaining strength against many major currencies too. In this episode, our host Emir and producer Aishah (a certified travel lover) break down what this really means for Malaysians... from travelling and studying abroad to earning in foreign currencies and even investing overseas. And of course, we dive into how the Ministry of Home Affairs played a key role in making all this possible.#SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

We all remember our WFH era, the time when we actually saved money because there was no petrol, no tolls, no parking fees! Our friend recently landed a job that lets her work remotely five days a week (what a dream!), but somehow... she’s finding it harder to save. That’s strange, right? How did we manage it so well during the MCO? In this episode, our host Emir and producer Aishah break down where our money really goes when we’re working from home, the sneaky spending habits we don’t notice, and how to get back to smart saving — without giving up the little joys that keep us sane. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

"Can You Pay First? I’ll Pay You Back." We’ve all heard that line and sometimes the money just never returns. So what do you do? Do you ask for it back, or just keep quiet and hope they remember? This week on The Money Goal, Emir and Yasmin talk about the awkwardness of chasing payments among friends, how they’ve handled it, and where to draw the line when money and friendship mix. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Imagine working your way up for years… then finding out the new hire, who just joined, is earning RM1,000 more than you. Yup — salary envy is real, and it happens more often than we think. In this week’s episode of The Money Goal, Emir breaks down why this happens, how to deal with it, and what you can do to negotiate your worth. Watch it now on #SYOK! #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Convenience makes life so much easier, kan? From food delivery to valet parking and even calling a cleaner to our house — all to save time… but at what cost? In this week’s episode of The Money Goal, Emir and Yasmin break down how much they actually spend on convenience and what happens when it gets a little too easy to spend. #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Caring for your parents while raising your own kids isn’t easy... and yet, so many of us are doing it. This week on The Money Goal, Emir explores the struggles and strength of the sandwich generation, and how we can manage the weight of responsibility with a little more balance. #SYOK #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Is it a red flag if your partner spends beyond their means or expects you to foot the bill every time? Everyone sees money differently, but there’s no denying that finances can make—or break—a relationship. In this episode of The Money Goal, host Emir and producer Yasmin open up about how they navigate money and love as two twenty-somethings trying to survive in today’s pricey world. #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

The nasi lemak your mum used to buy for RM2 now costs around RM6, and that’s inflation for you. No matter where you are in the world, there’s no escaping it — only learning how to deal with it. Being young in today’s economy isn’t easy. Between trying to make ends meet and figuring out your next step, it can feel overwhelming. But understanding how to manage your money and keep up with inflation can make all the difference. In this episode of The Money Goal, Emir and Aishah discuss how inflation affects your daily spending — from groceries to rent — and what you can actually do about it. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Hello, saya pegawai dari LHDN…” Sounds familiar? Maybe you’ve received calls like this too, where the person on the other end sounds so convincing that you start doubting yourself — should you entertain them, or just hang up? Scammers are getting smarter by the day, and unfortunately, many Malaysians have already lost their hard-earned money. In this episode of The Money Goal, Emir breaks down the common tricks scammers use, how to spot the red flags, and most importantly, what you can do to protect your duit from falling into the wrong hands. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on The Money Goal, Aishah opens up about her “little” spendings—think e-hailing rides, subscriptions, coffees, and snacks... that secretly pile up by the end of the month. Emir shares smart tips on how to prioritise your expenses without cutting out the things that make you happy, so you can still save while enjoying life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friends make life fun! But when does “enjoying the moment” cross the line into overspending? Have you ever noticed that your wallet feels a little too light after one too many outings, or that your savings don’t seem to grow because you’re always splitting bills, paying for rides, or saying yes to every hangout plan? In this episode of The Money Goal, Emir and Yasmin dive into the balance between living in the now and planning for the future! #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Many young people today, especially those with families, feel their salary disappears the moment it comes in. Between bills, loans, groceries, and family needs, it’s no surprise that cashflow feels tighter than ever. In this episode, Emir breaks down why this happens and shares simple, practical steps you can take to start improving your cashflow. From small habit changes to better money management, you’ll learn how to stretch your gaji further without feeling overwhelmed. #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

The year’s end is just around the corner, and that only means one thing—festive season after festive season in Malaysia! From Deepavali to Chinese New Year and Hari Raya, we Malaysians love celebrating them all. But with travel plans, new baju, delicious food, duit raya and even home decorations, our wallets can take a serious hit.In this week’s episode of The Money Goal, host Emir shares easy tips on how you can start saving today, plus what to focus on first when your budget feels extra tight. Learn more about your ad choices. Visit megaphone.fm/adchoices

Earning your own money feels great — but with it comes big decisions. House? Car? Swipe now, pay later? But wait… how does all this affect your future? What even is a credit score, and why do CCRIS and CTOS matter? In this episode of The Money Goal, host Emir breaks it all down — from understanding your credit score to making smarter financial choices for the long run. Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling overwhelmed by all the investment options out there? From ASB to stocks to the ever-volatile crypto market, it’s tough to know where to put your hard-earned money. In this episode of The Money Goal, we break down the pros and cons of each choice so you can make smarter, more confident decisions about growing your wealth. #SYOKPodcast #TheMoneyGoal Learn more about your ad choices. Visit megaphone.fm/adchoices

Juggling multiple loans can feel like a never-ending cycle of repayments and stress. In this episode, we break down the age-old question: should you pay off your debt first or start building your savings? Our host, Emir and producer, Aishah share practical tips, real-life examples, and simple frameworks to help you decide which path makes the most sense for your situation—so you can take control of your finances with clarity and confidence. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Buy a house now – in 30 years, you’ll be rich!” Sound familiar? In your 20s, you're just trying to survive, figure things out… and now everyone’s telling you to invest in property? In this episode, Emir sits down with producers Aishah and Thinesh to talk about feeling 'peer-pressured' into adulting, financial milestones, and the weight of society’s expectations. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re not even 30... and you’re already thinking of throwing all your savings into a business? Crazy… or just bold? In this episode of The Money Goal, Emir sits down with our producer Yasmin to unpack what it really means to take that leap. From small steps to smart planning, they explore how you can make bold moves without going broke. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone’s driving something fancy these days... electric vehicles, cars with smart assistants, or just that sleek leather interior that screams luxury. But the big question is: should you be buying a new car right now? On this week’s episode of The Money Goal, Emir sits down with our friend Thinesh to figure out if getting a brand-new car is truly a need or just a want. Whether your old car is falling apart or you're tired of the daily commute on public transport, this episode will help you think it through — the smart way! Learn more about your ad choices. Visit megaphone.fm/adchoices

Is your credit card helping you—or hurting your wallet? In this episode, we unpack whether credit cards are a smart financial tool or just debt in disguise. From understanding interest rates to avoiding hidden fees, we share practical tips to help you spend wisely, stay in control, and use your credit card to your advantage—not the other way around. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve all been there... one innocent scroll turns into a full cart and a drained bank account.In this episode, we unpack the emotional rollercoaster of online shopping. From dopamine hits to buyer’s remorse, we explore why it's so hard to resist those tempting "SALE!" pop-ups and free shipping deals. Is it really retail therapy, or just stress in a cardboard box? Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve just received a salary bump—yay! But now what? Do you save more, splurge a little, or level up your lifestyle? These decisions might seem small now, but they can shape your financial future in a big way. In this week’s episode of The Money Goal, Yasmin is back (with a higher paycheck) to share how she’s navigating this new phase in her financial journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

You and your partner are thinking about tying the knot — but in your mid-20s, with just a few years of earning “adult money” under your belt, it feels like a stretch. Can you really afford a wedding and build a future together? It might feel overwhelming, but it’s not impossible! In this week’s episode of The Money Goal, our friend Azmi joins Emir to share practical, no-stress tips on how to start saving for your big day! Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re earning pretty well for someone just starting out—but with every pay raise, it still feels like your salary isn’t enough. So what’s going on? Is it lifestyle inflation, or do you really need to earn more? In this episode of The Money Goal, Emir breaks down why your income might never feel enough, and shares simple, practical steps to help you regain control of your spending and financial goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

More and more young people today are choosing to start their own businesses, work on contracts, or freelance. But when your income changes from month to month, how do you keep your finances in check? Some months, you're making more—others, not so much. So how do you plan your spending and saving without going over budget? This week on The Money Goal, our host Emir chats with HITZ's radio announcer, Calista about managing inconsistent income, smart money planning, and how to stay in control of your finances—no matter what you earn. Learn more about your ad choices. Visit megaphone.fm/adchoices

You're turning 30, and suddenly everyone around you is buying houses, settling down, and making big "adult" moves. You're thinking about your future too... maybe even picturing your dream home for your future family. But in today’s economy, is owning a home still the goal, or just a major financial burden waiting to happen? In this episode of The Money Goal, we chat with our guest Nura, who’s been seriously considering buying her first home—but has no idea where to start. From budgeting to down payments and all the scary stuff in between, we’re breaking it all down. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve been adulting for a good 5 years now. Since day one, you’ve diligently paid for your health insurance — no claims, no drama. But now your premium’s gone up and you're wondering: Am I just throwing money away? Even with a few hospital visits, public healthcare in Malaysia has always had your back (and your wallet). So why are you paying over RM2,500 a year for something you’ve never used? In this episode of The Money Goal, Emir sits down with a special guest to unpack this very question. Is it a scam, a safety net, or just misunderstood? Plus, discover a few easy ways to cut down your monthly commitment without compromising your coverage. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when your monthly expenses are higher than your salary? It’s not always your fault. Unexpected emergencies like medical bills or a car breakdown can throw your budget into chaos. In today’s world, just trying to survive feels like a full-time job. While some jobs pay well, many don’t, and that makes it tough to decide whether to start fresh or try to make ends meet with what you have. In this episode of The Money Goal, Emir breaks down how to assess your situation and take the first steps toward better financial control. Learn more about your ad choices. Visit megaphone.fm/adchoices

The dream is simple: work hard now, retire by 55, and finally have the freedom to do whatever we want. But how much do we actually need to save? What about emergencies? And is the F.I.R.E. lifestyle even realistic for most of us? We’re diving into all that — the myths, the math, and the mindset behind Financial Independence, Retire Early. Learn more about your ad choices. Visit megaphone.fm/adchoices

As we grow up, so do our parents—and with that comes a new kind of worry: Are we financially ready to take care of them if something unexpected happens? In today’s world where everything feels like it's getting more expensive, it’s tough enough to stay financially stable for ourselves—let alone plan for our parents' future. Should you get insurance for them? Is saving enough? What’s the right step? In this week’s episode of The Money Goal, our host Emir shares practical tips and advice to help ease those financial worries and get you thinking ahead. Learn more about your ad choices. Visit megaphone.fm/adchoices

Stocks, bonds, crypto, property… there’s so much investment advice out there, and everyone keeps saying “start young for better returns.” But what if you’re already 28? Is it too late to start? And honestly… how do you even start? In this episode of The Money Goal, Emir sits down with a guest who’s asking the exact same questions. If you’ve ever felt lost about investing, this one’s for you! Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money Goal is back for Season 2 — and this time, Emir from The Millennial Finance is bringing in guests to talk about the real financial struggles that Millennials and Gen Zs face every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 3, Christy Ng shares her inspiring journey of transforming an idea into a thriving business. This episode covers the story of grit, determination, and entrepreneurial success. Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 2, we dive into the process of transforming your passion into a successful side hustle while managing a full-time career. This episode offers practical strategies for identifying your passion, balancing multiple responsibilities, and staying motivated throughout your journey to success. Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 1, we’re breaking down why early money skills are life skills. From allowance to savings goals, Episode 1 covers why teaching money skills to kids is the best investment you can make. Learn more about your ad choices. Visit megaphone.fm/adchoices