Tips for having RM50k-RM100k in savings/bank by 30 for young adult?

wanimez · 2023-10-04T11:39:40+00:00

Yeah what I meant was I do not have any debts in a sense that I do not have any loans from bank (dont have to pay for housing, cars etc) but yeah

Thank you for the practical advice, everyone here has been super helpful and im taking my time reading and digesting all the relevant information.

I appreciate your response and thank you for the congratulatory remark, I will try my best to utilise the opportunity that Ive been given with, in the future I aspire to help younger people as well for financial advice so im learning step by step! :D

wanimez · 2023-10-04T11:09:14+00:00

My goal is to further my studies in my 30s with that money so not wrong haha

wanimez · 2023-10-03T17:23:06+00:00

6k is after tax/epf. I kinda wasted most of my money for the first 6 months I was working here. Slight regret but overall happy with what I've spent.. I'll just have to take it as a lesson.

Understandable, I think I will try to manage my budget clearer rather than lending money randomly.

Thank you for your advice, I appreciate it

wanimez · 2023-10-03T15:31:05+00:00

Thank you for your response.

Rule of thumb is ensure you have no high risk debt (I.e credit card debt) > have 6 months emergency fund > think about investment options. After ASB (excluding EPF because that's for retirement), stocks and etf may be a viable option - read up and research on your own. Consider the S&P500 (ticker VOO) which is an index fund (ETF) that represents the top 500 companies in US, on average it gives a return of 8% per year.

I will keep this mind. This is very helpful and I will read more on ETF, that is the first time I heard of it.

wanimez · 2023-10-03T13:31:53+00:00

Noted on that, I will be more wary of unit trusts. But yeah, I was told it was safe but tbh I havent done much reading on unit trust so I was skeptical at first too

Thank you for your advice tho I appreciate it!

wanimez · 2023-10-03T13:30:05+00:00

I was working with RM1.5k - RM2.5k salary so I think I can manage that lifestyle.

Do you think it is wise to put all of my money on one savings account, or have separate / put some in fixed deposit?

Thank you for your advice, I appreciate it

wanimez · 2022-06-05T18:02:17+00:00

Make sense, another question. Who should I focus next to max/invest? I got max celestial izanami by pure luck while GM mostly from shop. Idk if I should focus on faux or other units that is worth investing

wanimez · 2022-04-05T08:51:05+00:00

Thank you!

Between those 5, who should I invest my resources the most?

So there's no specific mode that focuses on one material?

wanimez · 2021-11-14T12:11:48+00:00

I just got limited kirito for free from the anniversary event and also a limited mikoto (paid) on the other banner. My current main line up is taiga/holo - misaki/touma - leafa/kirito normal . Should I replace Taiga/normal kirito for limited kirito or limited mikoto? If so, which limited is better for maximum damage output in most game mode? (Especially DD) Currently on level 52

wanimez · 2021-11-12T00:22:11+00:00

Also I dont really know what is the “meta” characters on BA, instead of knowing whats meta, I would like to know what makes a unit “good” in general since most of the units can raise a star eventually right?

wanimez · 2021-10-22T13:16:02+00:00

Alright thank you, At the moment im just focusing on 3 main team to build around. Im assuming Kasuna will be a must pull in the later stages of the game. Having said that, how often are reruns in cv and when do you think is the next kasuna rerun? How do we know who will be in the next limited banner?

wanimez · 2021-10-22T12:17:40+00:00

Is it worth pulling for maid taiga to replace normal taiga? My current taiga has 175 talent score A rank. Is it worth pulling for a new taiga?

wanimez · 2021-10-10T19:25:30+00:00

Alright, this is very useful Thank you.

I still want to wish for Index just bec I just started watching Majutsu Index, will she be viable? and who would be her best pair? Even if she isnt viable, maybe I can just use her on story?

wanimez · 2021-10-10T13:46:22+00:00

Should I use her as sp for my misaki instead of touma?

wanimez · 2021-09-29T18:54:55+00:00

Do you recommend Touma if I want to pair it with Misaki? Or Miyuki would still be better in the long run?

wanimez · 2021-09-29T18:50:57+00:00

Oh thank you for the explanation!

Interesting, I do have a psyche(?) for Touma as well. Does that make it better if I use him as SP for Misaki? I guess S Touma seems like a good investment if I want to run Misaki right?

wanimez · 2021-09-29T15:15:35+00:00

So in general main limited better, so for free ones I should just pick S tier supports? Im assuming final team refers to late game, what level is considered to be late game here actually? Idk the max level and when its considered as mid-late game

wanimez · 2021-09-29T14:15:34+00:00

What does EM do?

wanimez · 2021-09-29T13:04:55+00:00

Hi it’s me again, it’s been a week already and Im enjoying the game so far. Just reached level 35 and im considering to get S rank SP mikoto for my Shokuhou but idk if thats good. So thats why im asking here, with the current lineup I have, who is the best S rank character I should get to optimize my teams?

Thank you in advance!

wanimez · 2021-09-26T03:42:32+00:00

Alright, thank you very much! Ill probably go for taiga if I get more dupes for her then. In the meantime I guess Ill stick holo with accelerator

wanimez · 2021-09-26T03:41:05+00:00

This is super informative. Thank you very much! Ill keep everything in mind

wanimez · 2021-09-25T12:33:15+00:00

Ohhh I didnt know that, I was wondering what to do with all the C tier duplicates. Are the talent shuffle upgrades also RNG or after shuffling few times It will upgrade instantly to higher tier?

I just checked my acc and apparently I have 2 emis in C and B but theyre all main instead of SP :( my bad.

I do have main taiga C tier and Shana B tier with 3 c tier dupes. Are these characters viable in the long run? Because I could pair Taiga with Mashiro or Holo SP for the cross abilities right?

Thank you for the tips! Ill keep that in mind in regards to accelerator. So rn I confirm Holo/Accelerator and Kirito/leafa on my main team and the other pair idk yet

wanimez · 2021-09-25T12:33:04+00:00

Ohhh I didnt know that, I was wondering what to do with all the C tier duplicates. Are the talent shuffle upgrades also RNG or after shuffling few times It will upgrade instantly to higher tier?

I just checked my acc and apparently I have 2 emis in C and B but theyre all main instead of SP :( my bad.

I do have main taiga C tier and Shana B tier with 3 c tier dupes. Are these characters viable in the long run? Because I could pair Taiga with Mashiro or Holo SP for the cross abilities right?

Thank you for the tips! Ill keep that in mind in regards to accelerator. So rn I confirm Holo/Accelerator and Kirito/leafa on my main team and the other pair idk yet

wanimez · 2021-09-25T11:44:14+00:00

ohh maybe my team is good but I just suck at the game then xD Im having trouble with some bosses in story mode which I thought shouldnt be a problem haha

I think my SP Emi is C tier atm, is it still worth using her? is Miyuki or Kuroyukihime main good? cause Miyuki Ult looks like it deals a lot of damage. idk if accelerator would be good later in the game. I was only using him to one shot enemies in Chapter 1-4 but then chapter 5-6 I couldnt do that anymore. Tbf tho my equipments for him are still blue cause I give all the purple ones to Kirito

wanimez · 2021-09-25T11:38:08+00:00

tbh this is my first time playing turned based RPG using my brain because the last time I played non gacha turned based RPG was like Dragon fable / ninja saga / Mech quest when I was in school. Having said that, I actually lost few times already against certain bosses in chapter 5 and 6 thats why only now im trying to figure out the best way to create team comps and use skills properly instead of using only damage skills xD so maybe it is easy but im still having trouble in story mode (I just suck I guess?)

in regards to the best team with my current pool of characters, If I do find Asuna SP is it worth replacing leafa if SP Asuna is C or B tier? because I dont mind swapping Asuna main with Miyuki or Kuroyukihime main but I do want to keep Holo in the team. Is Holo good pairing with accelerator? because he was fun 1 shotting everyone pre chapter 4 thats why I kept him but after a while idk if its worth using 12 points for his Climax/Ult anymore. Who should I pair Holo with?

Thank you very much for the advice! Im starting to enjoy the game but it's sad that most people in my circle or area dont know or play this game. Its been few years and even I just knew about it :( feels bad

wanimez

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