Mohd Zulhelmi (33 ) , and Suriani Ramli, (29 ) married for the past of 10 years. Zulhelmi is a police corporal at PDRM. Suriani is a owner of Restaurant Rejab Maju. They only have one daughter, Farisha Khaira (9), currently studying in primary school.

Suriani's mother passed away 8 years ago, while her father still alive and currently stay in seremban. She give her father RM300 per month. Suriani's gross salary is RM3000

Zulhelmi parents still alive and stay in Bidor, perak, he give RM200 every month to his parents. Zulhelmi's gross salary is RM4000. His salary expected to grow 3% per year. His opted for EPF deduction of 11%. Currently, his EPF balance is RM40000.

Farishas school expenses would be RM200 per month. They plan to send their daughter in local university for diploma program. The average cost of a 3 year diploma program is RM20000 per year for tuition fees and RM10000 for living expenses. The cost of tuition fees and living expenses will rise at 1% per year.

Both of them do not buy any house. Zulhelmi bought new car, Toyota Camry and had been paid in full. The market value for the car is RM30000.

Zulhelmi did not have any credit card, while his wife has total outstanding balance of RM3000.Both of them plan to retire at 55. They estimate RM3000 a month, will be enough for them to after retirement.