- 3个月前
八点最热报 | 过去大家对M40的印象，是收入还算不错、生活应该过得去的一群人。但现在情况似乎变了。工资是涨了，收入数字也比以前高，手头的钱却没有明显变多。钱一进来，就被房贷、车贷、孩子教育费和日常开销一项一项分走，真正能够留下的钱反而越来越少。M40似乎正在集体面对“隐形返贫”，不知不觉中变得贫穷了。为什么赚得比以前多了，手头却还是那么紧？（主播：蔡心慧）
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00:00A reminder before watching the video
00:01There's more content on trending websites.
00:04In the past, people's impression of the M40 middle-income group was...
00:08Household monthly income ranges from over RM5,800 to over RM12,000.
00:14The income is pretty good.
00:15Life should be for a group of people who can get by.
00:18But now the situation seems to have changed.
00:20Wages have increased
00:22Income figures are also higher than before.
00:24But the amount of money on hand did not increase significantly.
00:27It even feels like I have less money to spend.
00:30The money was immediately used for mortgage payments, car loans, children's education expenses, and other growing costs.
00:35One by one
00:37The pressures of life weigh heavily on me
00:39The amount of money that can actually be retained is actually decreasing.
00:42The M40 group appears to be collectively facing hidden forms of poverty.
00:47We became poor without even realizing it.
00:50So why are you earning more than before?
00:52But I'm still so short on cash.
00:55Their daily lives felt like they were being suffocated by mountains weighing them down.
00:59This pressure didn't develop overnight.
01:03Li Rongchang, Assistant Professor of Economics, Xiamen University Malaysia Campus
01:06think
01:07Malaysia has long been stuck in the middle-income bracket.
01:10The pace of enterprise and industrial upgrading is not fast enough.
01:13The value of labor has not increased significantly.
01:15Salaries naturally struggle to keep up with the cost of living.
01:19In addition to the inflation and high interest rates of the past few years
01:22The pressure on M40 was further amplified.
01:25The result is that although income is higher than before...
01:28Living standards have not become significantly more comfortable.
01:31Even the space for consumption and savings that could be preserved in the past is slowly disappearing.
01:37So where should the government begin to help M40?
01:42While alleviating the burdens of mortgages, car loans, medical care, childcare, etc., is certainly important...
01:47Because having one less expense is equivalent to having one more source of income.
01:51But if income consistently fails to keep up with the cost of living...
01:54The money you save today might be eaten up by price increases tomorrow.
01:59Therefore, a truly long-term solution cannot simply be to reduce the cost of the M40.
02:04We should make them earn even more.
02:07Let the economy continue to transform
02:09Enterprise grows bigger
02:10Industrial upgrading
02:11To give more M40s the opportunity to enter higher-tech and higher-value-added industries
02:17Industry
02:17With just over two months remaining until the 2027 fiscal budget, [the budget is expected to be released soon].
02:21How exactly will the government help M40 this time?
02:27M40, which in the past represented a middle-class group enjoying a comfortable life,
02:31But now more and more people are saying they can't take it anymore.
02:34The 8pm News team conducted a random visit to the Sri Petaling community in Kuala Lumpur.
02:38access
02:38Let's see how well people with a monthly income of 6,000 to 10,000 ringgit are doing now.
02:42Ma
02:43The income seems quite high
02:44Why do I still feel like I don't have enough?
02:46Where did the money for M40 go?
02:49Basically, all the money was spent on expenses.
02:52Household expenses
02:54Children's Education
02:55And personal expenses
02:57Collect deposits
02:58I feel a little ashamed.
03:00No
03:00The cost of living is too high, isn't it?
03:01Possibly
03:02The cost of living is relatively high.
03:04Previously, income may have been low
03:05But compared to current consumption
03:07Actually, they seem the same.
03:09Because of our
03:10Individual resources have improved
03:14Household consumption has also increased
03:15Although income has also increased
03:17But compared to the following
03:18He has a city that is very evenly REALLY
03:19The image drawn with li
03:20If the account first
03:21Moreover, savings are not good.
03:24Baidu View
03:25If you were me, you would have had ète before.
03:25That's enough.
03:28But where are you?
03:30If you want to go crazy, you can't.
03:32Like before
03:33If you want to go crazy, you can't.
03:34If it is a gift
03:36Alright
03:39It's not allowed.
03:39That was very panicked.
03:42If we want to supply weapons and vehicles...
03:45Children need to provide
03:47Parents as hostage, niece as hostage, I go.
03:51Actually, 6000 yuan isn't a lot these days.
03:53Back in the 80s, Uncle
03:566000 yuan is enough
03:58The 1990s were a very tough time.
04:00It's still possible
04:02After the year 2000...
04:03I think 6000 yuan is not enough for a family.
04:06Although income has indeed increased compared to the past
04:08But the cost of living is rising even faster.
04:11After deducting mortgage payments, car loan payments, children's education expenses, and daily living expenses
04:14Not many will actually stay.
04:16This is the new life of the M40 group in many cities.
04:20M40 does not have no income
04:22Instead, once the income comes in...
04:23There are already too many places waiting for flowers.
04:25It's not that income hasn't increased over the years.
04:28The cost of living is just increasing even faster.
04:31Economics at Xiamen University Malaysia
04:33Assistant Professor Li Rongchang said
04:34If even the M40 group starts to feel
04:37I'm short on cash and have no spare money.
04:38So the problem is clearly not just about earning less.
04:41The deeper problem is
04:43Wage growth has consistently failed to keep pace with the cost of living.
04:46We Malaysians have been stuck in the middle-income bracket for too long.
04:49Because when the world is talking about AI
04:50When talking about this innovative ability
04:53Malaysia cannot improve in this area.
04:55It won't enhance your innovation capabilities
04:57It doesn't increase the value of your labor.
05:00However, this information is related to our education.
05:02It is related to our entire
05:03That's all for Malaysian politics.
05:06combination of factors
05:07The reason why our salaries are relatively low
05:10The reason why we can't keep up with this cost of living
05:13The second reason is 2021 and 2022.
05:16The world is facing this inflationary pressure.
05:19High interest rate inflationary pressures
05:20This also contributed.
05:23The reason why we felt particularly pressured in the M4
05:27Since income can't keep up with expenses
05:29The government should help M40
05:30Besides finding ways to help them earn more
05:32You can also start by reducing your living expenses.
05:35Founder of New Capital Investment Management
05:37Financial commentator Zhang Guolin believes
05:39Expenses include mortgage payments, car loans, medical expenses, and childcare.
05:42These are the most direct and unavoidable life pressures for M40.
05:46Often, it's not as simple as just wanting to save money.
05:49Less burden means more income
05:52At the same time, we also need to reduce the burden of consumption.
05:56I think the problem lies in
05:58The first point is that our housing prices are too high.
06:01The international standard is to say three times your annual income.
06:04Malaysia is five times or seven times.
06:06If your house is too tall
06:08You're really good at taking out loans.
06:10The second is car loans.
06:12That's because public transportation isn't very convenient.
06:14If public transportation is convenient
06:16You don't need a car
06:17The third and fourth points are about the trading system.
06:20This medical
06:21Can healthcare be better provided by public facilities?
06:24Faster and more convenient
06:25If we don't have to wait that long
06:26This way I don't need to go to a private hospital.
06:28If I can go to a public hospital
06:29This will also reduce the burden.
06:31Next is the daycare center.
06:33If you have a better way of childcare
06:36In public and in enterprises
06:38Or is there a government subsidy?
06:39Do you have children who go to daycare?
06:41I'll add more money to get you a replacement.
06:44If the two couples go to work together
06:46The burden can be greatly reduced.
06:48These measures can certainly alleviate M40 pressure.
06:50If income itself has not increased significantly
06:53The problems will keep coming back.
06:55The government's real long-term solution to the M40 pressure
06:58It's not enough to just save money on the M40
07:00The question is how to make the M40 earn more.
07:03Because only by making the slingshot bigger...
07:05Only then will companies have room to raise wages.
07:07Only then can employees have the opportunity to earn higher salaries.
07:09Industries with higher added value
07:11Zhang Guoli believes
07:12The semiconductor industry is a prime example of this.
07:15How to make this economy work well
07:16If you go to Penang?
07:18In this semiconductor company
07:19They are all living pretty well.
07:21Their salaries are all
07:22The cake was then divided into many portions.
07:24It has already happened.
07:25How can we make this cake even bigger?
07:28I think this is a path we absolutely must take.
07:30So the question is, how do we...?
07:32Solving problems in other industries
07:34So how do we achieve economic transformation?
07:37Is it possible to improve the tourism industry?
07:39higher-end
07:40Is it in a certain industry?
07:42We can increase our competitiveness
07:44This has already yielded positive results.
07:47Or how do we need to double our improvements?
07:50in other words
07:51What the M40 really needs
07:53It might not be a matter of how much to replenish at once.
07:55Rather, it is an economic environment that can continuously increase income.
07:58On the one hand, reduce the burden of today's life
08:01On the other hand, improve future earning capacity
08:03Long-term economic reforms are certainly important
08:05But the more immediate problem is
08:07Until the 2027 fiscal budget
08:09Only two months left
08:10What measures does M40 expect the government to propose?
08:14Tax cuts
08:14Simplify complex taxes
08:16Reduce this SST
08:18Regarding the collection of these things in practice
08:20These are all along the way
08:22Many people hold this idea
08:25Should not be in some
08:26The most basic practical aspects
08:29SST collection
08:30Actually, from a tax perspective...
08:32The government could consider saying
08:33Put that income bracket
08:34The ban should be raised a little higher.
08:36Because we just said
08:37If you have more than 100,000
08:38You've surpassed the peak.
08:39I think that aspect
08:41There is still room for help.
08:43That is to say, it may be now
08:45No need to give anything below 3500 yuan
08:47Additional taxes
08:48Or if you get it below 8000, you don't need to give it.
08:50If more taxes are levied
08:51It can help many people
08:56The M40 truly faces
08:58Perhaps it's never just about not having enough money in your bag.
09:01Instead, run faster
09:02Still can't keep up with the cost of living
09:05That subsidy will give them a breather.
09:07Reduce expenses
09:08You can also keep more money in your wallet.
09:11But if the rate of income growth
09:13Always unable to keep up with the cost of living
09:15This treadmill will never stop.
09:18What about the government?
09:19It can save money for the M40
09:21But more importantly, we need to help them make money.
09:23The real problem to be solved
09:25Not just today
09:25Save tens or hundreds of ringgit
09:27Instead, let them
09:28Future opportunities
09:29Earn more
09:30Live a more comfortable life
09:32Because what the M40 really needs to chase
09:35It's never the next subsidy.
09:36Instead, it is a
09:37Able to increase income
09:38Truly outrun
09:40The future of the cost of living
09:41future