have faith bro
Sejuta Belum Cukup Selesa Bersara
Sebelum nak kata duit 1 juta ni dah tak cukup untuk bersara dengan selesa kat Malaysia ni, cuba kaji dulu berapa ramai rakyat kita yang sekarang gajinya mencapai antara RM4500 hingga RM5 ribu sebulan tanpa OT (kerja overtime)?
Jawapannya kita sendiri pun tahu... Tak ramai.😔
Tangga gaji permulaan (gaji pokok) bagi pemegang ijazah sarjana muda (degree) dalam sektor awam Malaysia secara amnya bermula daripada RM2,200 hingga RM3,400 sebulan.
Anggaran ini diletakkan di bawah Kumpulan Pengurusan & Profesional (biasanya Gred 41) mengikut Sistem Saraan Perkhidmatan Awam (SSPA).
Nak mencapai ke gaji RM5K sebulan tu perlukan masa 7~8 tahun. Itu yang masuk ada ijazah. Bagi mereka yang cuma ada Diploma/STPM tentulah kenaikan gaji mereka lebih rendah.
Kat swasta lagi 'keras'. Kenaikan gaji ikut suka hati bos. Ada yang kerja dah 7~8 tahun, baru sekali dua saja merasa kenaikan gaji... Malah ada yang dah 5 tahun langsung tak pernah merasa kenaikan gaji❗️
Dan sekarang pakar ekonomi cakap 1 juta tak cukup untuk bersara dengan selesa sedangkan kita yang tengah membanting tulang setiap hari kerja ni nak simpan lebih sikit pun sakit sangat rasanya...😢
Wang 1 juta di KWSP dengan dividen 6% setahun akan berikan kita RM5000 sebulan. Cukup tak RM5000 sebulan pada usia 60 waktu kita dah bersara?
Jawapannya adalah "Subjektif". Ada yang kata cukup, ada yang kata tak cukup, ada yang cakap tak selesa cam pakar ekonomi tu kata dan ada yang ucapkan syukur dengan segala nikmat dan rezeki yang telah ditentukan oleh Allah SWT. 'Alhamdulillah'.
Rasulullah SAW bersabda bahawa kekayaan sejati bukanlah memiliki banyak harta, melainkan kekayaan jiwa (jiwa yang merasa cukup).
Ramai sekarang orang 'bergaji besar' kata tak cukup sebab dia dah biasa belanja besar setiap bulan.
Ramai yang 'bergaji kecil' pula kata kalau ada 1 juta tu cukuplah untuk dia bersara dengan selesa.
Mengapa ada dua perspektif yang berbeza? Sebabnya gaya hidup, hutang dan komitmen kedua-dua golongan ini tidak sama.
Satu pergi kerja naik kereta harga beratus ribu nilainya, satu lagi pergi kerja dengan naik Axia rahmah transmisi manual sahaja.
Itu baru bab berkereta. Belum lagi cerita komitmen loan hutang rumah dan gaya hidup yang lainnya...
Kadang kita terlupa... Begitu ramai kakitangan awam yang pencen dulu dan sekarang ni menerima pencen tak sampai 5K pun sebulan tapi hidup mereka alhamdulillah, tak mewah tapi cukup makan pakainya.
Apa rahsianya? Selesaikan hutang² besar seperti rumah dan kereta dan kecilkan komitmen yang ada sebelum bersara.
Biasanya anak² masa tu kebanyakkan dah bekerja dan mempunyai keluarga sendiri.
Dah terlepas tanggungan kita terhadap mereka. Perbelanjaan kita masa bersara nanti hanyalah makan minum serta keperluan ubat-ubatan untuk kita dan isteri tercinta.
Masa tu kita makan pun dah tak banyak mana... Kadang makan nasi sekali tengahari kenyangnya membawa sampai ke malam.
Katalah bajet untuk makan sehari dalam RM40 untuk seorang, kalau berdua baru RM80 sehari. Untuk sebulan baru RM2400 sahaja. Ada banyak lagi 'balance' dari elaun 4~5K yang tinggal hasil dari wang 1 juta kat KWSP tu.
Tapi kan, dah tua² gitu apa la yang kita boleh makan sampai perlahap sangat hingga RM40 sehari tu... Kat kedai mamak di rumah aku pun kalau ambik ayam dan sotong baru dalam RM20++ je la ni.
Makan sekali kenyang sampai ke subuh esok hari...😅 Anyway ni aku sembang cara aku la...
Kesimpulannya bagi aku, kalau dah takda hutang rumah dan kereta, wang sebanyak 1 juta ni dah cukup bagi aku bersara dengan selesa kat Malaysia ni.
Orang lain mungkin berbeza pandangannya dengan aku sebab gaya hidup dan life style kita tak sama, saiz kasut kita juga berbeza-beza...😉
Begitulah.
#MERZ
Making Doa, Waiting, Hoping and Asking When will It Happen?
You’ve been making du’a, waiting, hoping… and quietly asking, “When will it happen?”
Truth is—Allah’s plan is already unfolding, even when you can’t see it yet.
What’s written for you will never miss you. But before the blessing arrives, Allah prepares you for it.
5 signs Allah is preparing you:
1. You feel a shift within
What once attracted you no longer does. You’re being pulled toward growth, better habits, and a deeper sense of purpose. This isn’t random—it’s preparation.
2. Your patience is being tested
The waiting feels heavy. But every delay is strengthening your sabr and building the version of you that can carry what’s coming.
3. Doors start closing
What feels like rejection is actually redirection. Allah is removing what isn’t meant for you to make space for what is.
4. You’re becoming stronger
The challenges aren’t breaking you—they’re expanding your capacity for what you once asked Allah for.
5. You feel unexpected peace
Even in uncertainty, moments of calm appear—quiet reminders that Allah is near and still guiding you.
The journey isn’t easy… but nothing written for you will ever miss you.
Allah isn’t just preparing your blessing—He’s preparing you.
Keep making du’a. Keep going. Your time is closer than you think.
If you’re a Muslimah trying to create a halal income from home, I share step-by-step guidance on building a simple digital system.
DM me “BARAKAH” and I’ll guide you from there 🤍
Follow for reminders that soften the heart and bring you back to Allah ✨
Allah Already Wrote Your Comeback. This Is Not Your Ending. 5 Verses
He is not taking. He is building.
.
.
.
The season where everything gets stripped away is not Him abandoning you. It is Him preparing you.
He removes your comfort, closes the doors you begged to walk through, and lets you sit in the empty, not to punish you, but to make room for a version of you your old self could never carry.
Here is what Allah is showing you, verse by verse:
1. He removes your comfort. Al Baqarah 2:155.
2. He closes certain doors. Fatir 35:2.
3. He teaches you patience. Al Baqarah 2:153.
4. He tests your faith. Al Ankabut 29:2 to 3.
5. He prepares you for more. Ash Sharh 94:5 to 8.
That weight is not here to break you. It is here to grow you. And I am about to start teaching exactly how I grew through it. I want you with me from the first one.
He does not show you anything by accident. You crossed this on purpose 🤍
Save this for the day you forget. Send it to someone who is being rebuilt right now.
Allah Describe A Personality in the Quran that will always Struggle with Wealth
Allah describes a personality in the Quran that will always struggle with wealth:
“Indeed mankind was created Halu’an.
When hardship touches him, he panics (Jazu’an).
And when good touches him, he withholds (Manu’an).”
— Quran 70:19–21
🌀 Halu’— inner instability.
Always reacting. Always unsettled.
Starting things… but rarely finishing them.
In today’s world:
• constantly changing direction
• chasing quick results
• losing focus when things feel slow
🌀 Jazu’— collapsing under pressure.
One setback… and you abandon the vision.
One delay… and doubt takes over.
Most people don’t fail because the opportunity was wrong.
They fail because they emotionally break before the results arrive.
🌀 Manu’— withholding when success comes.
When wealth arrives, the test changes.
• you stop giving
• stop investing
• cling tightly to what Allah gave you
But wealth without generosity loses barakah.
Then Allah gives the cure immediately:
“Except those who pray—and are constant in their prayer.”
— Quran 70:22–23
Because SOLAT builds what these patterns destroy:
✨ stability
✨ discipline
✨ emotional control
✨ trust in Allah
The cure was placed right after the disease.
Comment “START” if you want info on how I started building real stability—internally and financially.
Save this, and share it with someone who needs the reminder.
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