Yesterday, I took the first real step.

I deposited RM1,000 into my Moomoo account.

But no, I didn’t invest it into any stock or ETF yet. I didn’t YOLO it into Tesla. I didn’t buy Apple. I didn’t gamble on some trendy AI token.

I paused.

Why?

Because I’m not here to act like I know everything. I’m here to learn slowly and document honestly. This is not a get-rich-quick journey. This is a test. An open experiment.

I put my RM1,000 into something called “SmartSave.”

While I was exploring Moomoo, I found this thing called SmartSave. Basically, Moomoo promises to increase your deposit by 3.7% in 7 days.

Sounds good. Sounds too good, actually.

So I clicked in, read the terms, and decided to treat it as my first experiment.

I’m putting the RM1,000 into SmartSave and waiting seven days. No stocks. No ETFs. Just observing.

Let’s see if they actually credit me the interest. Let’s see if 3.7% in 7 days is real or just another shiny bait.

If it works? Great—I gain a few ringgit, and learn something.
If it doesn’t? I’ll write about it too.

Because again, I’m not here to show off. I’m here to know.

What Happens After 7 Days?

After that, I’ll start researching actual ETFs. I’m leaning toward VOO or S&P 500 type ETFs for long-term growth. But I’m not rushing.

I’ve already rushed with money in the past—and that’s how I ended up with more debt than savings.

This time, I’ll let knowledge compound before my money does.

Final Thought

This blog isn’t a guide.

It’s a mirror—for me, and maybe for you.

If you’re someone like me, just starting out, tired of the 9–5 grind but also skeptical of internet financial hype, maybe you’ll find value in following this journey.

One day at a time. RM1 at a time.

Let’s see where this goes.