4d research

Reminder: Prioritizing financial obligations, particularly debt repayment, is essential and should take precedence over discretionary spending like lottery ticket purchases. Paying off debts early helps avoid additional loan interest, a crucial step given that about 75% of people are underprepared for retirement, with savings in government retirement schemes like KWSP, EPF, or CPF often depleted within five years. When using credit cards like Visa or Mastercard, careful consideration is vital to prevent financial strain. Additionally, it's advisable to steer clear of gambling, both online and in casinos, due to its addictive nature and potential to disrupt budget management. Caution is also recommended with practices like clairvoyant or tarot psychic readings for lottery predictions, often associated with scams, emphasizing the importance of relying on rational and sound financial strategies.