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    <lastmod>2026-01-17</lastmod>
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    <loc>https://www.kevinneoh.my/blog/before-we-talk-about-accumulating-rm13-million-lets-talk-about-this</loc>
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    <lastmod>2026-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/3381a30d-fd1d-4abb-b1bc-6789685172ca/Screenshot+2026-01-17+at+11.03.52%E2%80%AFAM.png</image:loc>
      <image:title>Blog - Before we talk about accumulating RM1.3 million, let’s talk about this. - Make it stand out</image:title>
      <image:caption>This visual helps translate retirement savings into estimated monthly spending, assuming retirement around the time the benchmark was designed for. It is meant to help us spend with better clarity, but not certainty.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/12f4cfc4-16f4-46ca-b975-e18c20680c73/Screenshot+2026-01-17+at+2.15.16%E2%80%AFPM.png</image:loc>
      <image:title>Blog - Before we talk about accumulating RM1.3 million, let’s talk about this. - Make it stand out</image:title>
      <image:caption>This illustration shows how retirement savings decline over time while expenses rise, assuming retirement begins today and spending increases with inflation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/a00cb182-646c-41eb-b25d-f01447b001c4/Screenshot+2026-01-17+at+2.14.22%E2%80%AFPM.png</image:loc>
      <image:title>Blog - Before we talk about accumulating RM1.3 million, let’s talk about this. - Make it stand out</image:title>
      <image:caption>The same savings amount produces very different outcomes when retirement starts 3 decades later. The same RM 1.3mil can only sustain the lifestyle for merely 5 years. Time changes everything.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/6fc01089-fb03-49a6-8b36-d974523c612d/Screenshot+2026-01-17+at+1.59.02%E2%80%AFPM.png</image:loc>
      <image:title>Blog - Before we talk about accumulating RM1.3 million, let’s talk about this. - Make it stand out</image:title>
      <image:caption>Sometimes, a picture explains this more gently than words. The same number slowly loses purchasing power as time passes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/b531f12b-e30c-4fcc-9691-bcd4012e6f9e/Screenshot+2026-01-17+at+2.01.16%E2%80%AFPM.png</image:loc>
      <image:title>Blog - Before we talk about accumulating RM1.3 million, let’s talk about this. - Make it stand out</image:title>
      <image:caption>30 years later, a retirement savings of RM 5.3mil is required to maintain a lifestyle equivalent to about RM 5,400 a month today (keeping all other assumptions same).</image:caption>
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    <loc>https://www.kevinneoh.my/blog/plan-your-money-plant-a-seed-for-your-future</loc>
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    <lastmod>2023-05-07</lastmod>
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      <image:title>Blog - Plan your money, plant a seed for your future - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2023-05-07</lastmod>
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      <image:title>Blog - Financial Literacy for Social Enterpreneurs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2023-03-02</lastmod>
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      <image:title>Blog - When Getting Married Meets Your Financial Plan - Make it stand out</image:title>
      <image:caption>An example (part of) from a couple’s Fiscalosophy profile. We can see that they have a slightly different preference when it comes to savings and spending, with one not feeling comfortable with the current savings, and not as comfortable when it comes to the current debt situation.</image:caption>
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    <image:image>
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      <image:title>Blog - When Getting Married Meets Your Financial Plan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <lastmod>2022-06-12</lastmod>
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      <image:title>Blog - Which Financial Plan Predicted Covid-19? NONE!</image:title>
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      <image:title>Blog - 5 Reasons You Need To Write A Will</image:title>
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    <lastmod>2020-07-03</lastmod>
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    <lastmod>2020-07-03</lastmod>
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    <lastmod>2020-08-16</lastmod>
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      <image:title>Blog - 3 Financial Planning Lessons for Freelancers</image:title>
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    <lastmod>2020-07-03</lastmod>
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      <image:title>Blog - 10 Habits of Financially Smart People</image:title>
      <image:caption>Photo by JESHOOTS.COM on Unsplash</image:caption>
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  </url>
  <url>
    <loc>https://www.kevinneoh.my/media</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609077892148-6ZV66IQI5PMJWL6H562L/image-asset.jpeg</image:loc>
      <image:title>Media - Quick Answer to "What Should I Invest In Now?"</image:title>
      <image:caption>Maybe because I work as a Financial Planner, people tend to ask me "What should I Invest in now?". My short answer, is really just 3 word. "I don't know". But it shouldn’t stop there. Because I owe you an explanation why I had to say I don't know even that may push you away, or make you think that I am incompetent. In this less than 3 minute video, I explain to you why I have to say "I don't know". If you need to have someone listening to your stories, you can use this link to schedule for a chat: www.bit.ly/KNdiscovery30</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609077892148-6ZV66IQI5PMJWL6H562L/image-asset.jpeg</image:loc>
      <image:title>Media - Quick Answer to "What Should I Invest In Now?"</image:title>
      <image:caption>Maybe because I work as a Financial Planner, people tend to ask me "What should I Invest in now?". My short answer, is really just 3 word. "I don't know". But it shouldn’t stop there. Because I owe you an explanation why I had to say I don't know even that may push you away, or make you think that I am incompetent. In this less than 3 minute video, I explain to you why I have to say "I don't know". If you need to have someone listening to your stories, you can use this link to schedule for a chat: www.bit.ly/KNdiscovery30</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1595088677924-Q11W7PLEXGEX8NYPGE1P/image-asset.jpeg</image:loc>
      <image:title>Media - Automatic Loan Moratorium: Should You Accept It Or Not?</image:title>
      <image:caption>In this video, Kevin shares with audience what is the automatic moratorium about and what to take note, as well as general advice to people who are contemplating between taking a 6 months installment holiday or continue servicing their loan as usual. He also shares his view if you should take advantage on this moratorium and invest the installment money in the next 6 months instead. The advice contained in this video is of general advice. It is not intended to be specific advice, which will be different due to each of us have unique situations. Factual information regarding to the automatic loan moratorium is based on the FAQ document published by Bank Negara Malaysia. For more details and to know how your bank will implement it, you should check with your bank.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609078179092-QKCVYYXVOSXJ07JJCGB1/image-asset.jpeg</image:loc>
      <image:title>Media - Taking Small Step Helps Prepare Us For A Big Win</image:title>
      <image:caption>It is common that we find ourselves struggling to save #money, and to feel like we are in control of our money. What is also common is that we seem to think that when we have more money, this situation will improves, and eventually go away by itself. From what I have learned over the past many years working with people who were dealing with this 'symptom', it turned out that increasing our income is not the ideal solutions, it could even thrust us deeper into the trouble. Our situation with money today is not permanent. It can be transformed. In this short video, I share with you how a client who participated in #MoneyTransformationProgram were able to regain control over her money. Taking small step can helps prepare us towards a big win. We just have to believe in that, and be #accountable to our #goals. You can join #NextGenMoneyWarriors by clicking here: bit.ly/SaveMore2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609077987870-GS1WANVZVYX5P9YTX11E/image-asset.jpeg</image:loc>
      <image:title>Media - 20180205 Ringgit Sense TV3 - Part 1</image:title>
      <image:caption>Participated in TV 3's Ringgit Sense to discuss about how to save money to buy a home in 3 years? Can someone with with a salary of RM3500 a month buy a home? The answer is yes, but it takes a lot of financial discipline to do it. This is part 1 of 3.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609078035301-72I3ZG67A26BC5J9OQ16/image-asset.jpeg</image:loc>
      <image:title>Media - 20180205 Ringgit SenseTV3 Part 2</image:title>
      <image:caption>Participated in TV 3's Ringgit Sense to discuss about how to save money to buy a home in 3 years? Can someone with with a salary of RM3500 a month buy a home? The answer is yes, but it takes a lot of financial discipline to do it. This is part 2 of 3.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef1f8f0b907445e0973bb64/1609078249266-0ATC88FJFL8N0ZH2870K/image-asset.jpeg</image:loc>
      <image:title>Media - 20180205 Ringgit Sense TV3 - Part 3</image:title>
      <image:caption>Participated in TV 3's Ringgit Sense to discuss about how to save money to buy a home in 3 years? Can someone with with a salary of RM3500 a month buy a home? The answer is yes, but it takes a lot of financial discipline to do it. This is part 3 of 3.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Media - Financial Goals for Single person - Ringgit Sense Plus TV3 31 Dec 2018</image:title>
      <image:caption>What financial goals should those who are single set out for themselves? I get to share my view on this topic @ Ringgit Sense Plus on TV3. Source of this video is from Ringgit Sense Plus TV3.</image:caption>
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      <image:title>Media - Financial Goals for Family with 2 Children - Ringgit Sense Plus TV3 31 Dec 2018</image:title>
      <image:caption>What financial goals should those who have a family with 2 young children? I get to share my view on this topic @ Ringgit Sense Plus on TV3. Source of this video is from Ringgit Sense Plus TV3.</image:caption>
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      <image:title>Media - BIJAK BELANJA | Awasi Pengeluaran Akaun 2 KWSP</image:title>
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    <changefreq>daily</changefreq>
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      <image:caption>国人应该善用定期存款来支配财务目标。 Photo by Anton Shuvalov on Unsplash</image:caption>
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    <lastmod>2020-12-27</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Learn &amp; Support One Another</image:title>
      <image:caption>Join the Money Warriors Community to master a diverse topics on personal finance. From money management, debt management, insurance, will and trust, investment, and more. We have free training camps for you to learn different money management skills and knowledge. The idea is that by coming together, we learn better, have more idea, and also learn from more experience of different people.</image:caption>
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      <image:title>Home -  Take Control of Your Money, So that You Live for Your Life, Not Live for Money.</image:title>
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      <image:title>Home - What You Pay Matters</image:title>
      <image:caption>So you should know that you are getting value for the fees paid. You can find some real sharing about some Wins and Success stories here.</image:caption>
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      <image:caption>be brave with money</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>NextGen Money Warriors - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Landing Page - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Landing Page - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Landing Page - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Landing Page - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Landing Page - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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