Till when this happen? Saving is a must because preparation for your commitment 3rd Rationale GDP not stable This may lead to job termination, business closing from all sector, investor not interested in Malaysia Survey from Research 64% percent of Americans called themselves savers in 2020, and 80% said they planned to continue to save more than they spend in 2021. Charles Schwab. “Charles Schwab Modern Wealth Survey 2021,” Page 7. Accessed Jan 2nd, 2022. CoViD-19 can’t be predicted Conclusion Stand for SAVING Prepare before wort, Predict the unpredicted.