Hello Grasshoppa,

Have you ever looked at your bank account & thought, “Where the hell did all my money go?” One moment, you’re feeling rich on payday, the next, you’re counting coins at the mamak. Don’t worry — you’re not alone. In fact, this is one of the most common financial blind spots among Malaysians. Most people aren’t broke. They’re just unaware.

Let’s unpack the real issue: lack of awareness, not lack of income. You hustle hard, but you don’t track what you earn, spend or invest. You make decisions based on vibes, not numbers. It’s like stepping into the ring blindfolded — you’re going to get knocked out eventually.

Here’s what’s actually draining your wallet without you realising:

1. Silent Spending That Slaps You Later

We’re not talking about big purchases. It’s the little stuff that adds up — RM6 lattes, RM15 delivery charges, RM12 subscriptions you forgot you had. These don’t hurt individually, but stack them up over 30 days & suddenly, you’re down hundreds. It’s like getting tapped out by a white belt — avoidable & painful. Start by doing this: for one month, write down every single expense. Yes, even that RM2 teh o ais. You’ll be shocked how many financial leaks you’ll find just by paying attention.

2. No Financial Structure = No Control

Think about your finances like a gym schedule. If you show up randomly without a plan, you’ll waste time, make slow progress & eventually quit. But if you’ve got a system — say, savings on the 1st, bills on the 5th, investments on the 10th — you’ll start seeing growth. Financial structure creates discipline. It’s not about being rich. It’s about being in control.

3. You Confuse Wants with Needs

Let’s be real — you don’t need the newest iPhone, the designer shoes, or the overpriced protein powder from overseas. You want them. Nothing wrong with enjoying your money, but when your wants keep winning, your savings lose. Try asking this question before every purchase: “Will this matter in a year?” If the answer is no, walk away.

4. You Have No Real Financial Goal

If your goal is just to “make more money,” that’s too vague. That’s like saying “I want to get fit” without any idea of what that means. How much do you want to save by year-end? What’s your income target in five years? What’s your financial exit plan? Clarity turns hustle into progress. Otherwise, you’ll always feel busy but broke.

Conclusion: Awareness Is Wealth

Being broke isn’t just about numbers — it’s about your mindset, your habits & your awareness. You work too hard to have nothing to show for it. So start paying attention. Track your expenses. Build a simple system. Cut out financial noise. Set goals that actually mean something.

You don’t need to earn double to feel rich. You just need to stop living blind to your own money.

OSS!