---
title: "M’sians Earning RM5K To RM10K Find It Hard To Save, While The B40 Are Getting Wiser With Money"
url: https://weirdkaya.com/msians-earning-rm5k-to-rm10k-find-it-hard-to-save-while-the-b40-are-getting-wiser-with-money/
date: 2025-10-01
modified: 2025-10-01
lang: en
author: "S.Y Lee"
description: "The middle-income group in Malaysia (M40) is feeling the pinch even more this year when it comes to saving money while the lower-income group (B40) is actually becoming smarter with..."
categories:
  - "Society"
tags:
  - "B40"
  - "M40"
  - "Malaysian"
  - "Savings"
image: https://cdn.weirdkaya.com/media/msians-earning-rm5k-to-rm10k-find-it-hard-to-save-while-the-b40-are-getting-wiser-with-money.png
word_count: 254
---

# M’sians Earning RM5K To RM10K Find It Hard To Save, While The B40 Are Getting Wiser With Money

##### The middle-income group in Malaysia (M40) is feeling the pinch even more this year when it comes to saving money while the lower-income group (B40) is actually becoming smarter with their finances.

## M40 can’t save as much anymore

According to the [RinggitPlus Malaysian Financial Literacy Survey 2025](https://ringgitplus.com/en/ringgitplus-malaysian-financial-literacy-survey-2025/), only 23% of those earning between RM5,000–RM10,000 managed to save between RM1,001–RM1,500 a month. That’s a drop from 29% last year.

At the same time, more people in this group are struggling — 39% said they could only save RM500 or less each month, compared to 31% in 2024.

Even their financial buffers are shrinking. Only 27% of M40 respondents said they could survive more than six months on their savings, down from 32% last year.

![M](https://cdn.weirdkaya.com/media/malaysians.jpg)For illustration purposes only.

## B40 leveling up their money game

Surprisingly, those earning below RM2,000 showed better awareness when it comes to planning ahead.

- **55% said they are now planning for retirement (up from 48% in 2024).**

- **Only 40% admitted they don’t know about credit scores, an improvement from 45% last year.**

This shows that financial literacy campaigns and awareness efforts may actually be making a difference, especially among lower-income groups.

On the whole, the picture still isn’t great.

Just 22% of Malaysians believe their EPF savings are enough for retirement, though it’s a slight increase from 19% last year.

The survey covered 3,113 Malaysians aged 18 and above across all states and federal territories, and was conducted in English, Bahasa Malaysia, and Chinese to ensure wider representation.

[**READ ALSO:**](https://weirdkaya.com/msian-claims-theres-something-wrong-if-those-aged-30yo-dont-have-rm10k-in-savings)

https://weirdkaya.com/msian-claims-theres-something-wrong-if-those-aged-30yo-dont-have-rm10k-in-savings

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