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/adchoice...

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 ca...

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 Y...

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...

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 yourse...

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. Tun...

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...

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. L...

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 actuall...

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) b...

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 wher...

"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 #SYOKPodc...

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 y...

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 mega...

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...

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 c...

“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 th...

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...

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 managemen...

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 ti...

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 cho...

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 me...