u/Odd_Conversation_379

Promised to open up more slots, here we are!

In short we're building a system that gives you better clarity about your finances. A system that:

• shows a realistic assessment where you are and what you need to do next
• an AI chat grounded in your data ie it wont hallucinate figures
• a full picture analysis of your entire profile from your investments, insurance adequacy, retirement target, financial goals, taxes, + more

What you get:

• Free usage

What we look for:

• 10 users only
• We get feedback. We expect you to contribute and if you dont, we are more than happy to disable your account for taking away the opportunity from someone else. We're doing this for a good purpose, we have investor backing and have no problem sustaining free users, but we dont tolerate exploting/entitled-to-free-stuff behaviour

Who this is NOT for:

• you're looking for quick hacks/shortcuts
• you want just an expense tracking
• T20 who wants a complex portfolio

Who this is for:

• if you are B40 to M40-ish
• earn reasonable amount but unsure if you're doing things right
• salaried worker (the platform wont work very well if you have inconsistent income)
• you want clarity, not quick money

Current state:

• laptop-only (mobile yet to come)
• may have some defects here and

What we've updated since before:

• added a financial health scorecard benchmarked against industry metrics & standards so its a more pragmatic way to measure your situation. a b40 with good habits can have better score than t20 with poor habit
• overhauled dashboard so you will immediately see recommended action items you can read/act on even without navigating elsewhere
• overhauled the financial plan/analysis page so you can see your overall financial situation + health score + recommendations in order of priority
• overhauled tax page so you can track your tax reliefs utilisations
• overhauled the module to calculate your ideal insruance coverage so its easier for youto visualise your situation

Drop a comment down below if you want access, we'll DM you afterwards. (some of you requested access from our previous post, don't worry, we will reach out individually, we remember you :D)

[previous post]
https://www.reddit.com/r/MalaysianPF/comments/1sywmmq/were_building_something_free_to_help_malaysians/

This sounds idealistic, but we want to help more people be financially secure. Fk them financial gurus and influencers selling courses

Not another budgeting app
Not TikTok advice
Not biased agents trying to sell you something

What it is:

We’re building a system that looks at your entire financial life and tells you things like:

• “This car will mess up your ability to buy a house in a few years time”
• “You’re okay now, but 5 years from now you’ll feel it”
• “You think you’re doing fine - you’re not”

Basically: are you accidentally screwing up your future without realising it?

If the population is on average 10% financially well, we want to elevate everyone to 50-60% financially well. Sure, we can't get you to 100%, but 50-60% is a job fkn well done above 10%.

What you get:

• Free usage
• We get honest feedback

Who this is NOT for:

• you're looking for quick hacks/shortcuts
• you want just an expense tracking
• T20 who wants a complex portfolio

Who this is for:

• if you are B40 to M40-ish
• earn reasonable amount but unsure if you're doing things right
• salaried worker (the platform wont work very well if you have inconsistent income)
• you want clarity, not quick money

Current state:

• laptop-only (mobile yet to come)
• clean UI/UX (we're AI developers, Product Manager, UIUX designer)
• may have defects here and there

We're looking for about 10 people for now. Drop a comment if interested, we will DM you!

Been researching medical cards for a while and honestly the more i read the more confused I get. Every company got both loyal fans and horror stories online.

I've been looking at big names (AIA, Prudential, GE) but the feedback is always mixed. Its either people swear by them, say claims got rejected or process was a nightmare.

Online sifus got advice or not in terms of:

• Claim approval — straightforward or always kena fight?
• Panel hospital coverage — good network or limited?
• Rider/plan value — decent coverage without crazy premium hikes every year?
• Agent support — actually helpful during claims or MIA when you need them?

I know a lot of it comes down to the agent and the specific plan, but surely some companies are just better operationally than others when it comes to honouring claims.

Budget wise I'm open, just want something reliable that won't give me headaches when I actually need to use it.

Anyone moved from AIA/GE to another company and found it better? Or stayed and happy with them? Tq bosses 🙏

29M, no medical history, non smoker, sedentary lifestyle