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A Malaysian woman’s breakdown of her family’s monthly expenses has reignited debate online over whether T20 households are actually living comfortably despite being labelled “high income”. The discussion comes amid the government’s ongoing review of the proposed targeted RON95 fuel subsidy rationalisation, which could potentially affect higher-income groups such as the T5, T10, T15 or T20. Prime Minister Anwar Ibrahim recently said discussions on the matter are still ongoing. “Most T20 households are two salaries combined” Now viral on Threads, the woman shared her perspective on the reality of earning above RM11,819 per month, which is commonly associated with the T20 income bracket. However, she pointed out that most T20 households are not made up of a single high earner. Most T20 households are not one person earning RM11,819. It’s two people. Two salaries combined,” she wrote. According to her calculations, a household of three with a combined monthly income of RM11,800 would spend around RM10,100 on basic commitments alone. Her estimated monthly expenses included: Rent or mortgage: RM3,000 Car-related expenses: RM2,500 Food: RM1,500 Utilities and internet: RM1,000 Insurance: RM600 Child’s schooling: RM500 Family leisure expenses: RM1,000 After all that, she claimed the family would only have slightly over RM1,000 left for savings, emergencies, and other unexpected expenses. “In KL, RM11K is barely enough” The woman also argued that a single nationwide income classification does not accurately reflect the cost of living differences between states. In Kedah, RM11,819 is genuinely comfortable. In Kuala Lumpur, RM11,819 is barely enough to keep up.
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