Sebagai contoh sekiranya gaji bersih korang adalah RM3000 duit RM3000 ini dibahagikan kepada RM900 RM900 RM900 dan RM3000. 30 yang kedua pula ianya adalah untuk segala hutang piutang dan simpanan.
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Untuk 30 pertama ia diperuntukkan untuk kesenangan masa depan melibatkan simpanan perlindungan insuranstakaful dan juga pelaburan.
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