Three loyal friends to help optimise your money

An investor monitors stock market prices at a bank in Kuala Lumpur. - AP

HOW ironic it is that many of us are clearly aware of the value of money management but remain stuck in an unsatisfactory financial state despite our constant effort to set things right.

Many Malaysians are good at making money – we are surrounded by people who are successful in business and in their professional careers, work hard, secure promotions and regularly put in long hours to achieve their goals.