Coreplus Advisory Sdn Bhd

Coreplus Advisory Sdn Bhd At CorePlus, we provide professional financial life coaching to clients that go beyond numbers.

๐Ÿ’ธ ๐—ช๐—ต๐—ฎ๐˜ ๐—ช๐—ผ๐˜‚๐—น๐—ฑ ๐—ฌ๐—ผ๐˜‚ ๐——๐—ผ ๐—ช๐—ถ๐˜๐—ต RM100? ๐Ÿค”Imagine someone handed you RM100 today.What would be your ๐—™๐—œ๐—ฅ๐—ฆ๐—ง instinct?๐Ÿ›๏ธ A. Spend it...
08/07/2026

๐Ÿ’ธ ๐—ช๐—ต๐—ฎ๐˜ ๐—ช๐—ผ๐˜‚๐—น๐—ฑ ๐—ฌ๐—ผ๐˜‚ ๐——๐—ผ ๐—ช๐—ถ๐˜๐—ต RM100? ๐Ÿค”

Imagine someone handed you RM100 today.

What would be your ๐—™๐—œ๐—ฅ๐—ฆ๐—ง instinct?

๐Ÿ›๏ธ A. Spend it on something youโ€™ve been wanting.

๐Ÿ’ฐ B. Save it for a rainy day.

๐Ÿ“ˆ C. Invest it to grow your money.

โค๏ธ D. Donate it to someone in need.

Thereโ€™s no right or wrong answerโ€”but your choice may reveal something about your ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—บ๐—ถ๐—ป๐—ฑ๐˜€๐—ฒ๐˜.

The way we handle ๐˜€๐—บ๐—ฎ๐—น๐—น ๐—ฎ๐—บ๐—ผ๐˜‚๐—ป๐˜๐˜€ ๐—ผ๐—ณ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† often reflects how we manage ๐—น๐—ฎ๐—ฟ๐—ด๐—ฒ๐—ฟ ๐˜€๐˜‚๐—บ๐˜€. Building ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜„๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ isnโ€™t about how much you earnโ€”itโ€™s about the ๐—ต๐—ฎ๐—ฏ๐—ถ๐˜๐˜€ you develop over time.

๐Ÿ‘‡ Tell us in the comments: A, B, C, or D?
Weโ€™d love to know your choice and why!

๐Ÿ’ก Remember: ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜€๐˜‚๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ isnโ€™t built overnight. Itโ€™s built ๐—ผ๐—ป๐—ฒ ๐˜€๐—บ๐—ฎ๐—ฟ๐˜ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป ๐—ฎ๐˜ ๐—ฎ ๐˜๐—ถ๐—บ๐—ฒ.

๐Ÿ’ฐ ๐—–๐—ฎ๐—ป ๐—ฌ๐—ผ๐˜‚ ๐—ฆ๐—ฎ๐˜ƒ๐—ฒ ๐Ÿฏ๐Ÿฌ% ๐—ผ๐—ณ ๐—˜๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฃ๐—ฎ๐˜†๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ?Many people wait until the end of the month to see whatโ€™s left to save.The reality?...
06/07/2026

๐Ÿ’ฐ ๐—–๐—ฎ๐—ป ๐—ฌ๐—ผ๐˜‚ ๐—ฆ๐—ฎ๐˜ƒ๐—ฒ ๐Ÿฏ๐Ÿฌ% ๐—ผ๐—ณ ๐—˜๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฃ๐—ฎ๐˜†๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ?

Many people wait until the end of the month to see whatโ€™s left to save.

The reality? For most people, ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒโ€™๐˜€ ๐˜‚๐˜€๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—ป๐—ผ๐˜๐—ต๐—ถ๐—ป๐—ด ๐—น๐—ฒ๐—ณ๐˜.

Instead, try this simple habit:

๐Ÿ’ก ๐—ฆ๐—ฎ๐˜ƒ๐—ฒ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜. ๐—ฆ๐—ฝ๐—ฒ๐—ป๐—ฑ ๐˜„๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—น๐—ฒ๐—ณ๐˜.

A good long-term target is to ๐˜€๐—ฎ๐˜ƒ๐—ฒ ๐—ผ๐—ฟ ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜ ๐˜‚๐—ฝ ๐˜๐—ผ ๐Ÿฏ๐Ÿฌ% ๐—ผ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ป๐˜๐—ต๐—น๐˜† ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ, if your financial situation allows. Donโ€™t worry if youโ€™re not there yetโ€”start with what you can and build the habit over time.

Hereโ€™s a simple guide:

โœ… 10% โ€“ A great place to start if youโ€™re new to saving.
โœ… 20% โ€“ Builds your emergency fund and supports future goals.
โœ… 30% โ€“ A strong long-term target for wealth building and financial freedom.

Remember, the percentage matters less than ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—ฐ๐—ผ๐—ป๐˜€๐—ถ๐˜€๐˜๐—ฒ๐—ป๐˜ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฝ๐—ฎ๐˜†๐—ฑ๐—ฎ๐˜†.

Small amounts saved month after month can make a bigger difference than trying to save a large amount โ€œwhen you have extra.โ€

๐—ค๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚: How much do you save from every paycheckโ€”10%, 20%, 30%, or are you just getting started? Share your answer in the comments!

๐Ÿ’ญ ๐—ช๐—ต๐˜† ๐——๐—ผ ๐—ช๐—ฒ ๐—™๐—ฒ๐—ฒ๐—น ๐—š๐˜‚๐—ถ๐—น๐˜๐˜† ๐—ฆ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐— ๐—ผ๐—ป๐—ฒ๐˜† ๐—ผ๐—ป ๐—ข๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐˜ƒ๐—ฒ๐˜€?Have you everโ€ฆ๐Ÿ›๏ธ Bought something youโ€™ve wanted for monthsโ€ฆโ€ฆonly to ...
05/07/2026

๐Ÿ’ญ ๐—ช๐—ต๐˜† ๐——๐—ผ ๐—ช๐—ฒ ๐—™๐—ฒ๐—ฒ๐—น ๐—š๐˜‚๐—ถ๐—น๐˜๐˜† ๐—ฆ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐— ๐—ผ๐—ป๐—ฒ๐˜† ๐—ผ๐—ป ๐—ข๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐˜ƒ๐—ฒ๐˜€?

Have you everโ€ฆ

๐Ÿ›๏ธ Bought something youโ€™ve wanted for monthsโ€ฆ
โ€ฆonly to feel guilty the moment you paid for it?

Or perhaps you tell yourself:

โ€œI should save this money instead.โ€

โ€œMy family needs it more than I do.โ€

โ€œI donโ€™t deserve to spend on myself.โ€

If this sounds familiar, youโ€™re ๐—ป๐—ผ๐˜ ๐—ฎ๐—น๐—ผ๐—ป๐—ฒ.

The truth is, ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ถ๐˜€๐—ปโ€™๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ๐˜€โ€”๐—ถ๐˜โ€™๐˜€ ๐—ฑ๐—ฒ๐—ฒ๐—ฝ๐—น๐˜† ๐—ฐ๐—ผ๐—ป๐—ป๐—ฒ๐—ฐ๐˜๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ผ๐˜‚๐—ฟ ๐—ฒ๐—บ๐—ผ๐˜๐—ถ๐—ผ๐—ป๐˜€, ๐—ฏ๐—ฒ๐—น๐—ถ๐—ฒ๐—ณ๐˜€, ๐—ฎ๐—ป๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฟ๐—ถ๐—ฒ๐—ป๐—ฐ๐—ฒ๐˜€.

Many of us were raised with messages like:
๐Ÿ’ฌ โ€œDonโ€™t waste money.โ€
๐Ÿ’ฌ โ€œMoney is hard to earn.โ€
๐Ÿ’ฌ โ€œAlways put others first.โ€

These beliefs can help us become responsibleโ€”but sometimes they also make us feel guilty for enjoying the rewards of our own hard work.

โœจ ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต๐˜† ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€๐—ปโ€™๐˜ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ป๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐˜€๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด. ๐—œ๐˜โ€™๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜€๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐—ถ๐—ป๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น๐—น๐˜†.

Before making a purchase, ask yourself:
โœ… Does this fit within my budget?
โœ… Will it bring lasting value or joy?
โœ… Am I spending with purpose, not impulse?

If the answer is ๐˜†๐—ฒ๐˜€, then perhaps itโ€™s okay to enjoy what youโ€™ve worked so hard to earn. โค๏ธ

Remember:
๐Ÿ’ก ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜„๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ถ๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ณ๐—ถ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฎ๐—น๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—ฒ๐—ป๐—ท๐—ผ๐˜†๐—ถ๐—ป๐—ด ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† ๐—ฎ๐—ป๐—ฑ ๐—ฝ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐˜๐—ผ๐—บ๐—ผ๐—ฟ๐—ฟ๐—ผ๐˜„.

๐Ÿ‘‰ Have you ever felt guilty after spending money on yourself? What was it, and why do you think you felt that way? Share your thoughts in the commentsโ€”weโ€™d love to hear your story.

๐Ÿ’ฐ ๐—›๐—ผ๐˜„ ๐— ๐˜‚๐—ฐ๐—ต ๐—˜๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—™๐˜‚๐—ป๐—ฑ ๐——๐—ผ ๐—ฌ๐—ผ๐˜‚ ๐—ฅ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐—ก๐—ฒ๐—ฒ๐—ฑ?One of the most common questions we hear is:๐Ÿ‘‰ ๐—›๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ฒ๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—ณ๐˜‚๐—ป๐—ฑ ๐˜€๐—ต๐—ผ๐˜‚๐—น...
04/07/2026

๐Ÿ’ฐ ๐—›๐—ผ๐˜„ ๐— ๐˜‚๐—ฐ๐—ต ๐—˜๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—™๐˜‚๐—ป๐—ฑ ๐——๐—ผ ๐—ฌ๐—ผ๐˜‚ ๐—ฅ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐—ก๐—ฒ๐—ฒ๐—ฑ?

One of the most common questions we hear is:

๐Ÿ‘‰ ๐—›๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ฒ๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—ณ๐˜‚๐—ป๐—ฑ ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—œ ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—ต๐—ฎ๐˜ƒ๐—ฒ?

The answer isnโ€™t the same for everyoneโ€”but hereโ€™s a practical guide.

โœ… ๐Ÿฏ ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ ๐—ผ๐—ณ ๐—ฒ๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ฒ๐˜€
Suitable if:

โ€ข You have a stable job.
โ€ข Your household has more than one source of income.
โ€ข Your monthly commitments are relatively low.

โœ… ๐Ÿฒ ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ ๐—ผ๐—ณ ๐—ฒ๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ฒ๐˜€
Recommended if:

โ€ข Youโ€™re the sole breadwinner.
โ€ข You have dependents.
โ€ข Your income may fluctuate.
โ€ข You have housing or education loan commitments.

โœ… ๐Ÿญ๐Ÿฎ ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ ๐—ผ๐—ณ ๐—ฒ๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ฒ๐˜€
Consider building a larger emergency fund if you are:

โ€ข Self-employed or a business owner.
โ€ข Working on short-term contracts.
โ€ข Planning a career break.
โ€ข Approaching retirement.
โ€ข In an industry with higher job uncertainty.

๐Ÿ“Œ ๐—ฅ๐—ฒ๐—บ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ: Your emergency fund should cover ๐—ฒ๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—น๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ฒ๐˜€, not your current lifestyle spending.

Think about expenses such as:

๐Ÿ  Housing
๐Ÿฝ๏ธ Food
๐Ÿš— Transportation
๐Ÿ’ก Utilities
๐Ÿฅ Insurance & healthcare
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Essential family expenses
๐Ÿ’ณ Minimum debt repayments

๐Ÿšซ ๐—”๐—ป ๐—ฒ๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐—ณ๐˜‚๐—ป๐—ฑ ๐—ถ๐˜€ ๐—ก๐—ข๐—ง ๐—ณ๐—ผ๐—ฟ:

โŒ Vacations
โŒ Shopping sprees
โŒ New gadgets
โŒ Investment opportunities

๐Ÿ’ก ๐—”๐˜€๐—ธ ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐—ณ ๐˜๐—ต๐—ฒ๐˜€๐—ฒ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€:

โ€ข If I lost my income tomorrow, how many months could I comfortably support my family?
โ€ข Would I have to borrow money?
โ€ข Would I be forced to sell my investments at the wrong time?

Your emergency fund isnโ€™t just about moneyโ€”itโ€™s about ๐—ฝ๐—ฒ๐—ฎ๐—ฐ๐—ฒ ๐—ผ๐—ณ ๐—บ๐—ถ๐—ป๐—ฑ, ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฟ๐—ฒ๐˜€๐—ถ๐—น๐—ถ๐—ฒ๐—ป๐—ฐ๐—ฒ, and the ๐—ณ๐—ฟ๐—ฒ๐—ฒ๐—ฑ๐—ผ๐—บ ๐˜๐—ผ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป๐˜€ ๐˜„๐—ต๐—ฒ๐—ป ๐—น๐—ถ๐—ณ๐—ฒ ๐˜๐—ต๐—ฟ๐—ผ๐˜„๐˜€ ๐˜‚๐—ป๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฐ๐˜๐—ฒ๐—ฑ ๐—ฐ๐—ต๐—ฎ๐—น๐—น๐—ฒ๐—ป๐—ด๐—ฒ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜„๐—ฎ๐˜†.

๐Ÿ’ฌ ๐—›๐—ผ๐˜„ ๐—บ๐—ฎ๐—ป๐˜† ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ ๐—ผ๐—ณ ๐—ฒ๐—บ๐—ฒ๐—ฟ๐—ด๐—ฒ๐—ป๐—ฐ๐˜† ๐˜€๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด๐˜€ ๐—ฑ๐—ผ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐˜‚๐—ฟ๐—ฟ๐—ฒ๐—ป๐˜๐—น๐˜† ๐—ต๐—ฎ๐˜ƒ๐—ฒ?

Share your answer in the commentsโ€”weโ€™d love to hear your thoughts.

๐ŸŒฟ ๐—ช๐—ต๐˜† ๐—ถ๐˜€ ๐—บ๐—ฎ๐—ป๐—ฎ๐—ด๐—ถ๐—ป๐—ด ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ถ๐—บ๐—ฒ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฝ๐˜€๐˜†๐—ฐ๐—ต๐—ผ๐—น๐—ผ๐—ด๐˜† ๐˜๐—ต๐—ฎ๐—ป ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ๐˜€? ๐Ÿ’ญ๐Ÿ’ฐFinancial planning isnโ€™t just about budgeting, i...
04/07/2026

๐ŸŒฟ ๐—ช๐—ต๐˜† ๐—ถ๐˜€ ๐—บ๐—ฎ๐—ป๐—ฎ๐—ด๐—ถ๐—ป๐—ด ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ถ๐—บ๐—ฒ๐˜€ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฝ๐˜€๐˜†๐—ฐ๐—ต๐—ผ๐—น๐—ผ๐—ด๐˜† ๐˜๐—ต๐—ฎ๐—ป ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ๐˜€? ๐Ÿ’ญ๐Ÿ’ฐ

Financial planning isnโ€™t just about budgeting, investing, or saving.

Our thoughts, emotions, beliefs, and habits play a powerful role in every financial decision we make.

Join this special Book Talk at FSL Fest 2026, an initiative under Bank Negara Malaysia, where weโ€™ll explore how Mindfulness and Cognitive Behavioural Therapy (CBT) can help us build a healthier and more peaceful relationship with money.

๐Ÿ“š ๐—ง๐—ต๐—ฒ ๐— ๐—ถ๐—ป๐—ฑ๐—ณ๐˜‚๐—น ๐—ช๐—ฎ๐—น๐—น๐—ฒ๐˜ โ€“ ๐—ฅ๐—ฒ๐˜„๐—ฟ๐—ถ๐˜๐—ฒ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฆ๐˜๐—ผ๐—ฟ๐˜† ๐˜„๐—ถ๐˜๐—ต ๐— ๐—ถ๐—ป๐—ฑ๐—ณ๐˜‚๐—น๐—ป๐—ฒ๐˜€๐˜€ & ๐—–๐—•๐—ง

๐Ÿ—“ 6 July 2026 (Monday)
๐Ÿ•ง 12:30 PM โ€“ 1:30 PM
๐Ÿ“ Financial Services Library (FSL), an initiative under Bank Negara Malaysia
Ground Floor, AICB Building

๐ŸŽŸ Register now:
https://forms.office.com/Pages/ResponsePage.aspx?id=zQDHqiHHUUaY3beFRMlP1j2_EWELnZRBrxj8-6JrfFVUMVlZNUE5SjVJNEdOREtSN0VKTEU3TFZIRy4u&origin=QRCode

At Coreplus Advisory, we believe financial well-being begins with understanding not only your money, but also yourself.

We hope to see you there! ๐ŸŒฟ

03/07/2026

๐—Ÿ๐—ฒ๐—ฎ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฆ๐˜๐—ฎ๐˜† ๐—–๐˜‚๐—ฟ๐—ถ๐—ผ๐˜‚๐˜€. ๐—š๐—ฟ๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—–๐—ผ๐—ฎ๐—ฐ๐—ต ๐—•๐—ฒ๐˜๐˜๐—ฒ๐—ฟ. ๐ŸŒฑ

Today, Coreplus team explored the ๐—–๐˜‚๐—ฟ๐—ถ๐—ผ๐˜‚๐˜€ ๐—Ÿ๐—ถ๐˜€๐˜ through learning and real-play.

Curiosity opens conversations, uncovers purpose, and helps clients discover meaningful possibilities for their next chapter. Every practice session strengthens our coaching skillsโ€”and our commitment to helping people flourish in their next chapter of life. ๐Ÿš€

โœˆ๏ธ ๐—ง๐—ฟ๐—ฎ๐˜ƒ๐—ฒ๐—น ๐— ๐—ฒ๐—บ๐—ผ๐—ฟ๐—ถ๐—ฒ๐˜€ ๐—ฆ๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—Ÿ๐—ฎ๐˜€๐˜โ€”๐—ก๐—ผ๐˜ ๐—ง๐—ฟ๐—ฎ๐˜ƒ๐—ฒ๐—น ๐——๐—ฒ๐—ฏ๐˜A vacation is meant to refresh your mind, not create financial stress when...
02/07/2026

โœˆ๏ธ ๐—ง๐—ฟ๐—ฎ๐˜ƒ๐—ฒ๐—น ๐— ๐—ฒ๐—บ๐—ผ๐—ฟ๐—ถ๐—ฒ๐˜€ ๐—ฆ๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—Ÿ๐—ฎ๐˜€๐˜โ€”๐—ก๐—ผ๐˜ ๐—ง๐—ฟ๐—ฎ๐˜ƒ๐—ฒ๐—น ๐——๐—ฒ๐—ฏ๐˜

A vacation is meant to refresh your mind, not create financial stress when you return.

Before you book your next trip, ask yourself:
โœ… Have I set a travel budget?
โœ… Can I pay without relying on credit card debt?
โœ… Do I have an emergency fund separate from my travel savings?
โœ… Have I considered travel insurance?

The best trips arenโ€™t always the most expensiveโ€”theyโ€™re the ones you can truly enjoy with peace of mind.

At ๐—–๐—ผ๐—ฟ๐—ฒ๐—ฝ๐—น๐˜‚๐˜€ ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ๐˜†, we believe financial planning isnโ€™t about saying โ€œnoโ€ to lifeโ€™s experiences. Itโ€™s about planning wisely so you can enjoy them confidently.

๐ŸŒ ๐—ง๐—ฟ๐—ฎ๐˜ƒ๐—ฒ๐—น ๐˜€๐—บ๐—ฎ๐—ฟ๐˜.
๐Ÿ’ฐ ๐—ฆ๐—ฝ๐—ฒ๐—ป๐—ฑ ๐—ถ๐—ป๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น๐—น๐˜†.
โค๏ธ ๐—–๐—ผ๐—บ๐—ฒ ๐—ต๐—ผ๐—บ๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—บ๐—ฒ๐—บ๐—ผ๐—ฟ๐—ถ๐—ฒ๐˜€โ€”๐—ป๐—ผ๐˜ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜„๐—ผ๐—ฟ๐—ฟ๐—ถ๐—ฒ๐˜€.

๐Ÿ’ฐ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—”๐˜‚๐˜๐—ผ๐—ฝ๐˜€๐˜†: ๐—ช๐—ต๐˜† ๐——๐—ผ ๐—ฆ๐—ผ ๐— ๐—ฎ๐—ป๐˜† ๐—Ÿ๐—ผ๐˜๐˜๐—ฒ๐—ฟ๐˜† ๐—ช๐—ถ๐—ป๐—ป๐—ฒ๐—ฟ๐˜€ ๐—˜๐—ป๐—ฑ ๐—จ๐—ฝ ๐—•๐—ฟ๐—ผ๐—ธ๐—ฒ? ๐ŸŽฐWinning millions sounds like a dreamโ€ฆ but for many lo...
30/06/2026

๐Ÿ’ฐ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—”๐˜‚๐˜๐—ผ๐—ฝ๐˜€๐˜†: ๐—ช๐—ต๐˜† ๐——๐—ผ ๐—ฆ๐—ผ ๐— ๐—ฎ๐—ป๐˜† ๐—Ÿ๐—ผ๐˜๐˜๐—ฒ๐—ฟ๐˜† ๐—ช๐—ถ๐—ป๐—ป๐—ฒ๐—ฟ๐˜€ ๐—˜๐—ป๐—ฑ ๐—จ๐—ฝ ๐—•๐—ฟ๐—ผ๐—ธ๐—ฒ? ๐ŸŽฐ

Winning millions sounds like a dreamโ€ฆ but for many lottery winners, it becomes a financial nightmare.

๐—ฆ๐—ผ, ๐˜„๐—ต๐—ฎ๐˜ ๐˜„๐—ฒ๐—ป๐˜ ๐˜„๐—ฟ๐—ผ๐—ป๐—ด?

โŒ They upgraded their lifestyle overnight.
๐Ÿก Bigger houses.
๐Ÿš— Luxury cars.
โœˆ๏ธ Expensive holidays.

โŒ They felt pressured to help everyone.
Friends, relatives, and even strangers came asking for money.

โŒ They believed the money would last forever.
Without a proper financial plan, even millions can disappear surprisingly fast.

๐Ÿ’ก ๐—›๐—ฒ๐—ฟ๐—ฒโ€™๐˜€ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ฎ๐—น ๐—น๐—ฒ๐˜€๐˜€๐—ผ๐—ป:

๐— ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฑ๐—ผ๐—ฒ๐˜€๐—ปโ€™๐˜ ๐˜€๐—ผ๐—น๐˜ƒ๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฝ๐—ฟ๐—ผ๐—ฏ๐—น๐—ฒ๐—บ๐˜€.
๐—š๐—ผ๐—ผ๐—ฑ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ต๐—ฎ๐—ฏ๐—ถ๐˜๐˜€ ๐—ฑ๐—ผ.

Whether you suddenly receive:
๐Ÿ’ผ A large bonus
๐Ÿ’ฐ An inheritance
๐Ÿ“ˆ Profits from selling a business
๐Ÿค A VSS payout
๐ŸŽ‰ Or even a lottery jackpotโ€ฆ

โ€ฆthe first question shouldnโ€™t be ๐—ช๐—ต๐—ฎ๐˜ ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—œ ๐—ฏ๐˜‚๐˜†?

It should be ๐—›๐—ผ๐˜„ ๐—ฐ๐—ฎ๐—ป ๐—œ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐—บ๐˜† ๐—น๐—ถ๐—ณ๐—ฒโ€”๐—ป๐—ผ๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—บ๐˜† ๐—น๐—ถ๐—ณ๐—ฒ๐˜€๐˜๐˜†๐—น๐—ฒ?

At ๐—–๐—ผ๐—ฟ๐—ฒ๐—ฝ๐—น๐˜‚๐˜€ ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ๐˜†, we believe financial planning isnโ€™t about becoming rich overnight. Itโ€™s about making wise decisions that support the life you truly want to live.

๐Ÿ‘‡ ๐—Ÿ๐—ฒ๐˜โ€™๐˜€ ๐—ต๐—ฒ๐—ฎ๐—ฟ ๐—ณ๐—ฟ๐—ผ๐—บ ๐˜†๐—ผ๐˜‚!

If you suddenly received ๐—ฅ๐— ๐Ÿฏ ๐—บ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป today, what would be the ๐—™๐—œ๐—ฅ๐—ฆ๐—ง thing youโ€™d do?

๐Ÿ’ฌ Share your answer in the comments!

๐Ÿ”ฅ ๐—™๐—œ๐—ฅ๐—˜: ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐—ฐ๐—ฒ, ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ ๐—˜๐—ฎ๐—ฟ๐—น๐˜† ๐Ÿ”ฅIt sounds like a dream, doesnโ€™t it?๐Ÿ’ญ โ€œWork hard, save aggressively, invest...
28/06/2026

๐Ÿ”ฅ ๐—™๐—œ๐—ฅ๐—˜: ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐—ฐ๐—ฒ, ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ ๐—˜๐—ฎ๐—ฟ๐—น๐˜† ๐Ÿ”ฅ

It sounds like a dream, doesnโ€™t it?

๐Ÿ’ญ โ€œWork hard, save aggressively, invest wisely, and retire in your 40s.โ€

The ๐—™๐—œ๐—ฅ๐—˜ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ has inspired many people around the world to rethink their relationship with money. But hereโ€™s an important questionโ€ฆ

๐Ÿ‘‰ ๐—œ๐˜€ ๐—™๐—œ๐—ฅ๐—˜ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฒ๐—ฎ๐—ฟ๐—น๐˜†โ€ฆ ๐—ผ๐—ฟ ๐—ถ๐˜€ ๐—ถ๐˜ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ณ๐—ฟ๐—ฒ๐—ฒ๐—ฑ๐—ผ๐—บ ๐˜๐—ผ ๐—ฐ๐—ต๐—ผ๐—ผ๐˜€๐—ฒ ๐—ต๐—ผ๐˜„ ๐˜†๐—ผ๐˜‚ ๐—น๐—ถ๐˜ƒ๐—ฒ?

At ๐—–๐—ผ๐—ฟ๐—ฒ๐—ฝ๐—น๐˜‚๐˜€ ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ๐˜†, we believe the true goal isnโ€™t simply ๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ ๐—˜๐—ฎ๐—ฟ๐—น๐˜†โ€”itโ€™s achieving ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐—ฐ๐—ฒ.

Financial Independence means:
โœ… Youโ€™re no longer living paycheck to paycheck.
โœ… Your money works for you.
โœ… You have the freedom to choose your career, lifestyle, or even take a break when life calls for it.

However, in Malaysia, pursuing FIRE isnโ€™t just about hitting a โ€œmagic number.โ€

You also need to consider:
๐Ÿ“ˆ Inflation that quietly erodes purchasing power.
๐Ÿฅ Rising healthcare costs as we age.
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Family commitments, including children and ageing parents.
๐Ÿ“Š Investment market fluctuations.
โณ The possibility of living well into your 80s or even 90s.

Instead of asking:

โ“ ๐—›๐—ผ๐˜„ ๐—ฒ๐—ฎ๐—ฟ๐—น๐˜† ๐—ฐ๐—ฎ๐—ป ๐—œ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ?

Perhaps we should ask:

๐Ÿ’ก ๐—ช๐—ต๐—ฎ๐˜ ๐—ธ๐—ถ๐—ป๐—ฑ ๐—ผ๐—ณ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ฑ๐—ผ ๐—œ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ต๐—ฒ ๐—ณ๐—ฟ๐—ฒ๐—ฒ๐—ฑ๐—ผ๐—บ ๐˜๐—ผ ๐—น๐—ถ๐˜ƒ๐—ฒ?

For some, that may mean retiring at 45.

For others, it could mean:
โœจ Starting a passion business.
โœจ Working part-time.
โœจ Becoming a consultant.
โœจ Travelling more.
โœจ Spending quality time with family.
โœจ Having the confidence to say โ€œNoโ€ to work that no longer aligns with your values.

๐ŸŒฑ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—ถ๐˜€๐—ปโ€™๐˜ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฒ๐˜€๐—ฐ๐—ฎ๐—ฝ๐—ถ๐—ป๐—ด ๐˜„๐—ผ๐—ฟ๐—ธ. ๐—œ๐˜โ€™๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜๐—ถ๐—ป๐—ด ๐—ฐ๐—ต๐—ผ๐—ถ๐—ฐ๐—ฒ๐˜€.

At ๐—–๐—ผ๐—ฟ๐—ฒ๐—ฝ๐—น๐˜‚๐˜€ ๐—”๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ๐˜†, we help individuals build financial plans that align with their ๐—น๐—ถ๐—ณ๐—ฒ ๐—ด๐—ผ๐—ฎ๐—น๐˜€, ๐˜ƒ๐—ฎ๐—น๐˜‚๐—ฒ๐˜€, ๐—ฎ๐—ป๐—ฑ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฎ๐˜€๐—ฝ๐—ถ๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€โ€”because true wealth is measured not just by how much you accumulate, but by the freedom and peace of mind your finances can provide.

๐Ÿ’ฌ ๐—Ÿ๐—ฒ๐˜โ€™๐˜€ ๐˜€๐˜๐—ฎ๐—ฟ๐˜ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜ƒ๐—ฒ๐—ฟ๐˜€๐—ฎ๐˜๐—ถ๐—ผ๐—ป:

If money were no longer a concern, ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ ๐—ฒ๐—ฎ๐—ฟ๐—น๐˜†โ€ฆ ๐—ผ๐—ฟ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐˜†๐—ผ๐˜‚ ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐˜† ๐—ฐ๐—ต๐—ผ๐—ผ๐˜€๐—ฒ ๐˜๐—ผ ๐—น๐—ถ๐˜ƒ๐—ฒ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜๐—น๐˜†?

Share your thoughts in the commentsโ€”weโ€™d love to hear your perspective!

26/06/2026

๐Ÿš€ ๐—ง๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜ ๐˜๐—ฒ๐—ฎ๐—บ๐˜€ ๐—ป๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐˜€๐˜๐—ผ๐—ฝ ๐—ฒ๐˜ƒ๐—ผ๐—น๐˜ƒ๐—ถ๐—ป๐—ด.

At Coreplus Advisory, learning isnโ€™t an event.

Itโ€™s part of who we are.

Today, our team came together for another intensive real-play sessionโ€”challenging our thinking, sharpening our coaching skills, and raising the standard of how we serve our clients.

Because while weโ€™re proud of what weโ€™ve built as Financial Life Coachesโ€ฆ

๐—ช๐—ฒ ๐—ฏ๐—ฒ๐—น๐—ถ๐—ฒ๐˜ƒ๐—ฒ ๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—น๐—ถ๐—ฒ๐—ป๐˜๐˜€ ๐—ฑ๐—ฒ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ฒ ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐—บ๐—ผ๐—ฟ๐—ฒ.

Thatโ€™s why weโ€™re continuously investing in the next evolution of our profession.

๐—ง๐—ผ๐—ฑ๐—ฎ๐˜†โ€™๐˜€ ๐˜๐—ฟ๐—ฎ๐—ถ๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ผ๐—ป๐—ฒ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐˜€๐˜๐—ฒ๐—ฝ ๐˜๐—ผ๐˜„๐—ฎ๐—ฟ๐—ฑ๐˜€ ๐—ฟ๐—ฒ๐—ถ๐—บ๐—ฎ๐—ด๐—ถ๐—ป๐—ถ๐—ป๐—ด ๐—ต๐—ผ๐˜„ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜๐—ฒ ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐—ด๐—ฟ๐—ฒ๐—ฎ๐˜๐—ฒ๐—ฟ ๐˜ƒ๐—ฎ๐—น๐˜‚๐—ฒ.

๐—ก๐—ผ๐˜ ๐—ฏ๐—ฒ๐—ฐ๐—ฎ๐˜‚๐˜€๐—ฒ ๐˜„๐—ฒโ€™๐—ฟ๐—ฒ ๐—ด๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜†.

๐—•๐—ฒ๐—ฐ๐—ฎ๐˜‚๐˜€๐—ฒ ๐˜„๐—ฒโ€™๐—ฟ๐—ฒ ๐—ฐ๐—ผ๐—บ๐—บ๐—ถ๐˜๐˜๐—ฒ๐—ฑ ๐˜๐—ผ ๐˜€๐˜๐—ฎ๐˜†๐—ถ๐—ป๐—ด ๐—ฎ๐—ต๐—ฒ๐—ฎ๐—ฑ.

๐Ÿš€ ๐—ง๐—ต๐—ฒ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฏ๐—ฒ๐—น๐—ผ๐—ป๐—ด๐˜€ ๐˜๐—ผ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐˜„๐—ต๐—ผ ๐—ป๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐˜€๐˜๐—ผ๐—ฝ ๐—ด๐—ฟ๐—ผ๐˜„๐—ถ๐—ป๐—ด.

If youโ€™re looking for a team that believes in continuous learning, meaningful impact, and raising the bar together, weโ€™d love to meet you.

Address

OT-11-06, RIO Office Tower, Persiaran RIO
Bandar Puteri Puchong
47100

Opening Hours

Monday 09:00 - 17:30
Tuesday 09:00 - 17:30
Wednesday 09:00 - 17:30
Thursday 09:00 - 17:30
Friday 09:00 - 17:30

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03-56128072

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