If You’re Afraid to Spend, Read This
Some people treat money like a badge of honour.
“If it’s free, I’ll take it.”
“If it costs even RM1, I’ll think twice.”
They want growth. They want change. They say they’re looking for opportunities.
But the moment something comes with a price tag — they freeze.
They say they want more. But their actions say: “Only if it doesn’t cost anything.”
I once had a friend tell me,
“I just like seeing my bank account go up. It makes me feel safe.”
That would be perfectly fine…
if the number was actually going up.
But it wasn’t.
Because money that just sits there?
It doesn’t grow.
It doesn’t build anything.
And it definitely doesn’t change your life.
What keeps people stuck isn’t spending money — it’s what they spend on.
A lot of us in Malaysia are very cautious with our spending. It’s understandable. But we often spend out of habit, not intention. RM18 for a frappuccino is fine. RM188 for a workshop that could actually change our direction? “Let me think about it.”
That’s where most people lose.
They don’t lose because they spent.
They lose because of what they chose to spend on.
Some spend on clothes to impress people who don’t even notice.
Some buy the latest phones every year but feel stuck at the same income level.
Some eat out 10 times a week — but think an RM200 training is “too expensive.”
The ones who are growing?
They think differently.
They still spend money — but they spend on purpose.
They choose tools that give something back:
Time. Income. Skills. Confidence. Momentum.
They’re not looking for cheap.
They’re looking for return.
Here’s something worth asking yourself:
Is spending money on personal growth actually worth it?
For many Malaysians we’ve worked with, the answer is yes — as long as it’s clear what that money is buying them. Not promises. Not hype. But progress they can see and act on.
You can read all the free PDFs. Watch hours of free YouTube videos. Join every free webinar.
But at some point, real change needs real commitment.
Even if it’s just RM50. Or one Saturday afternoon.
Free information can open your eyes — but investment is what moves your feet.
If your bank balance has stayed the same for the last six months, chances are, so has your life.
There’s nothing wrong with being careful.
But we’ve seen this shift happen for hundreds of Malaysians.
Once they stopped waiting for “free” and started choosing intentional growth — things changed.
So here’s the real question to ask:
Does this help me build something I actually want?
If the answer is yes — then what are you really waiting for?
The longer you delay, the more it costs you… in time, not just money.
Whether it’s upgrading your skills, investing in a system, or joining a support network that keeps you moving — the point isn’t how much it costs.
It’s whether it gives you a way forward.
If you’re still unsure, take a small step first. One decision. One commitment. One test run.
That’s all it takes to move from stuck… to starting.
Explore how we help new earners in Malaysia grow with systems and support that work.