If you’re earning less than RM5k a month and have less than RM50k in savings, you might feel like investing is out of reach. Maybe you’ve asked yourself:

• Should I invest in stocks?
• Is real estate investing even possible with my budget?
• Or should I just try my luck with cryptocurrencies and NFTs?

I get it. I’ve been there too.

When I was in your shoes, I knew investing was important, but with limited funds, it felt like I was stuck at the starting line. Sound familiar?

Here’s the truth: You only have two choices.

Choice 1: Wait for “Later”

You can tell yourself, “I don’t earn enough” or “I don’t have enough money to invest.”
This is the easiest option—zero pressure, zero risk, and no action required.
You can keep delaying and say, “I’ll start investing later.”

But here’s the reality: Many people who wait for “later” never actually start.

Choice 2: Start Now, Even with Little Money

This might sound counterintuitive. After all, investing requires money, right?
But here’s what I realized early on: Money isn’t the only asset that matters.
In fact, some assets are even more valuable than cash, such as:

✅ Skills — Learn how to analyze properties, stocks, or even basic financial planning. These skills will give you a head start.
✅ Experience — Start small. Even a modest investment can teach you priceless lessons.
✅ Emotional Control — Property markets fluctuate. Investments come with risks. A steady mindset is key to long-term success.
✅ Networks — Surround yourself with the right people. A good mentor can save you years of mistakes.
✅ Credit — A strong credit score opens doors to leveraging loans, which is a game-changer in property investing.

When I was earning little and had minimal savings, I chose to invest in myself first. I focused on building skills, gaining experience, and improving my investment mindset.
This approach felt empowering—way better than constantly worrying about not having enough money.

But What If I Don’t Have the Capital Yet?

You might be thinking, “What’s the point of learning all this if I don’t have the money to invest?”

Let me ask you this:

• Do you think you’ll still be earning less than RM5k in the next 3-5 years?
• Do you see yourself earning RM6k, RM8k, or even RM10k+ in the near future?

If you’re not the type to increase your spending every time you get a raise, your savings will grow over time.
Saving just RM1k, RM3k, or RM5k a month adds up to RM12k, RM36k, or RM60k in a year.
By then, your investment knowledge and experience will be incredibly valuable.

My Journey: From RM30k to RM100k+

I spent years reading books, taking courses, and practicing investing with small amounts of money.
By the time my income increased, I was already steps ahead of those just starting to learn about investing.

Going from RM30k to RM50k in savings was easier than I thought.
Then, from RM50k to RM70k, RM80k, and eventually RM100k.

What did it cost me? Time and effort.
But this is the process most successful investors go through before building 6-figure, 7-figure, or even 8-figure wealth.

Your Turn to Start

If you’re serious about building wealth—whether through property, stocks, or other investments—start today.
Invest in yourself first. Learn, practice, and grow your skills.

Because when your income and savings grow, you’ll be ready to seize opportunities that others might miss.

Chat Property Malaysia is here to guide you every step of the way. Let’s turn your financial goals into reality—starting now.