The Money Goal - SYOK Podcast [ENG]

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 o...

“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....

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/adchoic...

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 fa...

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 megaphon...

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....

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. Vi...

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...

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 go...

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...

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...

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...

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....

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/adchoi...

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...

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...

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