From mortgages and car loans to credit cards and BNPL schemes, most Malaysians aren't managing just one liability, they're juggling a whole portfolio of debt. Should you tackle the highest-interest loans or the smaller ones first?

Rajen Devadason, CEO of RD WealthCreation and Licensed Financial Planner with Manulife Investment Management Malaysia, returns to Ringgit and Sense to share practical strategies for conquering multiple debts.

He breaks down mathematical efficiency versus psychological momentum, whether an emergency buffer should take priority over debt repayments, and how to weigh debt-free living against optimising debt over time.

Image Credit: Shutterstock

From mortgages and car loans to credit cards and BNPL schemes, most Malaysians aren't managing just one liability, they're juggling a whole portfolio of debt. Should you tackle the highest-interest loans or the smaller ones first?Rajen Devadason, CEO of RD WealthCreation and Licensed Financial Planner with Manulife Investment Management Malaysia, returns to Ringgit and Sense to share practical strategies for conquering multiple debts.He breaks down mathematical efficiency versus psychological momentum, whether an emergency buffer should take priority over debt repayments, and how to weigh debt-free living against optimising debt over time.Image Credit: Shutterstock

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

Ringgit and Sense

We explore financial themes and help you make sense of the world of finance. From setting financial goals, managing finances, investing and understanding the various issues that affect our wallets. Ringgit and Sense wants to help you understand personal risk profiles, realistic investment horizons, retirement planning, managing education loans and health insurance plans, as well as breaking down the various personal finance products that are available.

Ringgit & Sense

High Interest vs Small Loans: Which Debt To Kill First?

Borrow money for an asset, that’s good debt. Borrow money for a holiday, that’s bad debt. It sounds simple, but is personal finance ever actually that black and white?

Rajen Devadason, CEO of RD WealthCreation and Licensed Financial Planner with Manulife Investment Management (Malaysia), joins Ringgit and Sense to explain why the line between good and bad debt isn't as clear as we think. 

He breaks down the one metric that actually matters and why even solid investments can turn sour. Plus, we look at the psychology of stretching for things we can't afford, and why paying off your home mortgage early might be worth it, even if the math says otherwise.

Borrow money for an asset, that’s good debt. Borrow money for a holiday, that’s bad debt. It sounds simple, but is personal finance ever actually that black and white?Rajen Devadason, CEO of RD WealthCreation and Licensed Financial Planner with Manulife Investment Management (Malaysia), joins Ringgit and Sense to explain why the line between good and bad debt isn't as clear as we think. He breaks down the one metric that actually matters and why even solid investments can turn sour. Plus, we look at the psychology of stretching for things we can't afford, and why paying off your home mortgage early might be worth it, even if the math says otherwise.

Good Debt vs Bad Debt: Is It Really That Simple?

Reaching retirement with a sizable nest egg doesn't guarantee long-term security if longevity, healthcare inflation, and unexpected shocks erode your capital. Wan Saifulrizal Wan Ismail, CEO of AmMetLife Insurance Berhad, joins Ringgit & Sense to discuss why Malaysians need to look beyond capital accumulation and pay closer attention to post-retirement financial risks. 

Wan Saifulrizal shares his three-bucket model for managing retirement savings and risk, highlights the practical limits of medical insurance, and offers basic steps to stress-test your finances ahead of retirement.

Reaching retirement with a sizable nest egg doesn't guarantee long-term security if longevity, healthcare inflation, and unexpected shocks erode your capital. Wan Saifulrizal Wan Ismail, CEO of AmMetLife Insurance Berhad, joins Ringgit &amp; Sense to discuss why Malaysians need to look beyond capital accumulation and pay closer attention to post-retirement financial risks.&nbsp;Wan Saifulrizal shares his three-bucket model for managing retirement savings and risk, highlights the practical limits of medical insurance, and offers basic steps to stress-test your finances ahead of retirement.

Retirement Risks: Longevity, Health Costs, & Capital

As new iPhones hit stores tomorrow, it’s clear that smartphones are getting more expensive. So how should we navigate this as buyers? Alexander Wong, Managing Editor of SoyaCincau, joins Ringgit and Sense to unpack what your money actually buys across today's higher price tiers and where he believes the pricing sweet spot is.

As expected, Apple unveiled its latest hardware lineup last week, featuring the much-anticipated iPhone Duo, Apple’s first foldable iPhone, while a base-model iPhone 18 was notably absent. Pricing has quickly become a primary talking point, with Apple effectively raising the floor price across its lineup. The new iPhone 18 Pro series sees price increases over the previous generation, while the iPhone 17 remains in the lineup at the higher RM4,299 price point rather than receiving a traditional price drop. Driven by global AI demand, an escalating memory shortage, dubbed "Ramageddon", is pushing up smartphone prices across budget, mid-range, and flagship tiers.

Alex evaluates whether ultra-premium foldables like the iPhone Duo justify their price tags, reveals what he believes is the new smartphone sweet spot, and breaks down how memory supply shifts are impacting mid-tier models. Plus, get practical strategies to stretch your tech budget, from trade-ins and certified refurbished devices to protection plans.

As new iPhones hit stores tomorrow, it’s clear that smartphones are getting more expensive. So how should we navigate this as buyers? Alexander Wong, Managing Editor of SoyaCincau, joins Ringgit and Sense to unpack what your money actually buys across today's higher price tiers and where he believes the pricing sweet spot is.As expected, Apple unveiled its latest hardware lineup last week, featuring the much-anticipated iPhone Duo, Apple’s first foldable iPhone, while a base-model iPhone 18 was notably absent. Pricing has quickly become a primary talking point, with Apple effectively raising the floor price across its lineup. The new iPhone 18 Pro series sees price increases over the previous generation, while the iPhone 17 remains in the lineup at the higher RM4,299 price point rather than receiving a traditional price drop. Driven by global AI demand, an escalating memory shortage, dubbed "Ramageddon", is pushing up smartphone prices across budget, mid-range, and flagship tiers.Alex evaluates whether ultra-premium foldables like the iPhone Duo justify their price tags, reveals what he believes is the new smartphone sweet spot, and breaks down how memory supply shifts are impacting mid-tier models. Plus, get practical strategies to stretch your tech budget, from trade-ins and certified refurbished devices to protection plans.

High Interest vs Small Loans: Which Debt To Kill First?

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