link roundup
Link Roundup

Link Roundup #86: 10 Things to Know This Week

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Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. How to Job Hunt (When You’re Already Exhausted) – Harvard Business Review

Figured this article might be handy for some of you. Hang in there, you can do this.

2. South Korea’s millennials say their lives aren’t that different from ‘Squid Game’ as they face a crisis of mounting debt, unaffordable homes, and dead-end jobs – Insider

You watched Squid Game, I watched Squid Game, all of us were morbidly fascinated by the scenes and storyline.

It’s bleak, but the desperate-due-to-debt thing is real, according to actual South Koreans. One of the respondents in the article said he considers himself lucky that he manages to keep his debt under $50,000.

I can’t help but to compare to Malaysia, and wonder if the same thing will happen to us..

3. Stop rambling. Here’s how the most successful people get to the point, says public speaking expert – CNBC

The trick is… to start your answer with ‘I believe that’. The examples given in the article show that it really works!

So simple, it’s mind-blowing.

4. When Did Self-Care Get So Self-Indulgent? – Vice

Management consulting firm McKinsey estimated earlier this year that the “global wellness market” is worth a whopping $1.5 trillion, with annual growth of 5 to 10 percent. As your social media feeds tell you, wellness has turned into products to be consumed. When did wellness become all about buying more things? How did it become so wasteful?

That last line just about sums it up.

5. 99 Cryptocurrency Terms Explained: Every Crypto Definition You Need – MakeUseOf

Since Bitcoin hit an all-time high again and all. It’s not going anywhere, so you might as well learn the terms. Then go and ‘stack sats’ – there are lots of free ways to accumulate bitcoin.

6. Luxury brand Coach will stop destroying unwanted goods following TikTok outrage – CNN

They make you think that their items are expensive because of quality. That may be true (and maybe not), but its also expensive because they refuse to sell it for cheap.

In fact, it is common practice for these ‘luxury’ companies to destroy unsold products rather than reduce their price. They would rather their products be bought by the rich (or the pretend rich), or not at all.

Have to maintain that ‘not everyone can afford this’ image, right.

8. What You Should Know About The 6 Stages To Retirement – iMoney

Were you aware there are 6 stages to retirement? I didn’t. Learn more about each stage and the process of finding your retirement number in the article above.

8. Psychology Says You Can Actually Sell Anything, So Long as You Use These 4 ‘Hidden’ Switches – Inc

The ‘hidden’ switches are:

  • Solution Switch: Show that your product is the answer to their problems.
  • Trust Switch: Become an authority figure
  • Likability Switch: Befriend your customer
  • Evidence Switch: Customers need proof, not promises

Generally speaking, I dislike marketing strategies that intentionally seek to manipulate their customers into buying their products. The only way to combat this is to learn about their tactics yourself, so you can make an informed decision before hitting that Buy Now button.

9. 5 Types of Passive Incomes You Can Consider (Ranked from Easiest to Hardest) – AKPK Urus Bersama Suraya

If you have a lot of ‘stuff’ and not a lot of capital, the most suitable passive income strategy for you is #2. You can rent out your car, room, parking space, machinery, entertainment equipment and more Learn more and see other ways to earn passive income in the article.

10) How Are Malaysians Doing Financially? | iMoney x Suraya (Ringgit Oh Ringgit) – AIA

Thank you AIA for having me in this chat, where Farhan from iMoney and I discussed the findings of the Malaysian Financial Health Survey 2021. Unsurprisingly, it could be better – while 86% of respondents reported saving and investing every month, only 50% can survive less than 3 months with no income, while 12% cannot survive for more than a month without an income! 

I was happy to be able to give my 2 cents here: individuals are usually blamed for not saving enough money (‘no willpower’), when the bigger issue is more structural in nature (the economy, job opportunities, consumerism culture, etc)

Watch the 20+min video for ACTUAL solutions you can use to improve your financial life below.

Note: Get your FREE Financial Health Check at

That’s it for this round, catch you next time! Want to submit a link you thought was great? Reach out to me on FB or Twitter.

To read past link roundups, please click here.

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