{"id":17644,"date":"2021-06-03T20:00:00","date_gmt":"2021-06-03T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/bad-habits-cut-retirement-savings.html"},"modified":"2026-03-26T16:00:39","modified_gmt":"2026-03-26T08:00:39","slug":"bad-habits-cut-retirement-savings","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-habits-cut-retirement-savings.html","title":{"rendered":"5 Bad Habits That Can Cut Into Your Retirement Savings"},"content":{"rendered":"\n<p>Contrary to what the traditional media has fed you, it\u2019s not about how much you\u2019re making, rather, it\u2019s about how you manage it. And how you manage your money eventually turns into a habit. In simple words, if you find yourself with no savings and spending more than you earn, it is more than likely that you\u2019ve adopted some bad financial habits.&nbsp;<\/p> \n<!--more--><p>Good news, habits can be broken; bad news, breaking them and starting new good habits take time. Breaking bad habits is one of the first steps to take to become financially independent. Not having a solid plan\/budget and having bad spending habits can leave you vulnerable to unexpected emergencies and make it tougher during your retirement.&nbsp;<\/p> \n<p>The bottom line is that bad habits need to be broken. But are you aware of what your bad money habits are?&nbsp;<\/p> \n<h2>1. Not saving for retirement<\/h2> \n<p><a href=\"https:\/\/www.comparehero.my\/investment\/articles\/private-retirement-scheme\" target=\"_blank\" rel=\"noopener noreferrer\">Retirement<\/a> might seem like a lifetime away, especially for those who are in their 20s. But the longer anybody wait to start preparing for retirement, the more they\u2019ll miss out on the compounded interests. The sooner you start saving, the more money you\u2019re going to have when you finally retire.&nbsp;<\/p> \n<p>The worst-case scenario, if you don\u2019t start saving, is that you\u2019ll have to work a few more years because you simply can\u2019t afford to retire yet. Well, that\u2019s no fun.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/retirement\/articles\/malaysians-you-can-do-better-retirement\" target=\"_blank\" rel=\"noopener noreferrer\">To Malaysians, From Malaysians: Do Better For Your Retirement<\/a>&nbsp;<\/p> \n<h2>2. Dipping into your savings<\/h2> \n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-habits-cut-retirement-savings-1.jpg?resize=640%2C335&#038;ssl=1\" alt=\"bad-habits-cut-retirement-savings-1\" width=\"640\" height=\"335\"><br> <em>Taking from savings jar<\/em><\/p> \n<p>Once you\u2019ve set up your retirement <a href=\"https:\/\/www.comparehero.my\/retirement\/articles\/how-much-should-you-have-in-savings-by-the-age-of-30\" target=\"_blank\" rel=\"noopener noreferrer\">savings account<\/a> or that you have a plan for it, hands-off. You never want to find yourself snooping around the money you have saved and promising to \u2018put it back later.\u2019 If you cannot control this habit of yours, take it out of your hands or look for an accountability buddy.&nbsp;<\/p> \n<p>This rule is exactly the same for an <a href=\"https:\/\/www.comparehero.my\/money-tips\/articles\/emergency-fund\" target=\"_blank\" rel=\"noopener noreferrer\">emergency fund<\/a>: Never touch it unless you\u2019re facing a true disaster. That\u2019s because if you keep dipping into this account, you\u2019ll then build the habit of thinking this is an extra fund instead of it being a retirement account. So put as many barriers as you can to prevent yourself from doing so.&nbsp;<\/p> \n<h2>3. Spending as much as you earn<\/h2> \n<p>Consistently spending more than you earn is an easy highway to getting into debt. And debt is the worst enemy of building a retirement fund.&nbsp;<\/p> \n<p>The opposite, which is living below your means is powerful. That means for each and every month that you do that, your ability to invest or save becomes bigger and will lead to having a quicker exponential compounded growth.&nbsp;<\/p> \n<p>Living a frugal lifestyle may seem challenging, but you\u2019d be surprised to see how the little details that you cut back on can add up. And you won\u2019t even notice that they\u2019re gone. Don\u2019t underestimate how quickly those RM2 or RM3 candies you bought from the petrol station can amount to.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/debt-management\/articles\/money-management-control-finances\" target=\"_blank\" rel=\"noopener noreferrer\">Money Management: 3 Ways to Control Your Finances<\/a>&nbsp;<\/p> \n<h2>4. Waiting until you have more to invest<\/h2> \n<p>Time is your best friend when it comes to long-term investing, that\u2019s owed to the power of compound interest. And contrary to what the boomers on TV are telling you, you don\u2019t need to be a financial expert or have a massive paycheck to get started. You can even do it entirely on your own.&nbsp;<\/p> \n<p>There are a number of online brokers today that you can open an account with as long as you\u2019re able to submit the required documents. On top of that, there are also apps like <a href=\"https:\/\/www.raiz.com.my\/\" target=\"_blank\" rel=\"noopener noreferrer\">Raiz<\/a> that automatically grabs a chunk of your paycheck and invests them for you.&nbsp;<\/p> \n<p>The takeaway is not to wait. If you really are worried about making the wrong investment, start ramping up your financial literacy. The reality is that you won\u2019t be making that much in the first few years anyway so it really doesn\u2019t matter if you\u2019re starting with just a few thousand ringgit.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/investment\/articles\/how-millennials-start-investment-from-rm100\" target=\"_blank\" rel=\"noopener noreferrer\">How Millennials Can Start Investing From As Low As RM100<\/a>&nbsp;<\/p> \n<h2>5. Putting too much money towards a house or a car<\/h2> \n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-habits-cut-retirement-savings-2.jpg?resize=640%2C335&#038;ssl=1\" alt=\"bad-habits-cut-retirement-savings-2\" width=\"640\" height=\"335\"><br> <em>Brand new car<\/em><\/p> \n<p>Unless these items are generating income for you, they are a liability to you. That doesn\u2019t mean you shouldn\u2019t buy a house or a car, because you still need shelter and a means of transport. Rather, it\u2019s that you shouldn\u2019t buy a house or a car that is way over your budget and left with having to pay hefty amounts of instalments every month.&nbsp;<\/p> \n<p>If that\u2019s the case, then having this <a href=\"https:\/\/www.comparehero.my\/transportation\/articles\/how-much-to-spend-car-malaysia\" target=\"_blank\" rel=\"noopener noreferrer\">huge commitment<\/a> every month will mean that you need to cut back on some other areas. One of which you\u2019ll likely sweep into this category is your savings for retirement. Thus, even though you might be able to fully pay off this loan by the time you retire, you still might not have enough retirement savings.&nbsp;<br> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Contrary to what the traditional media has fed you, it\u2019s not about how much you\u2019re making, rather, it\u2019s about how you manage it. And how you manage your money eventually turns into a habit. In simple words, if you find yourself with no savings and spending more than you earn, it is more than likely&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":1299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-17644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Bad Habits That Can Cut Into Your Retirement Savings - CompareHero<\/title>\n<meta name=\"description\" content=\"Bad money habits can prevent you from reaching your financial goals and put your retirement savings in danger. 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