We speak to Joyce about the ticking time bomb  in Malaysia. Malaysians are not  saving enough for emergencies and retirement. Joyce shares practical  tips on how we can save more money through implementing simple changes to our consumption patterns

<p>We speak to Joyce about the ticking time bomb&nbsp; in Malaysia. Malaysians are not&nbsp; saving enough for emergencies and retirement. Joyce shares practical&nbsp; tips on how we can save more money through implementing simple changes to our consumption patterns</p>

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