- 18 minutes ago
八点最热报 | 首相安华上周二出席财政部活动后预告，2027年财政预算案将推出措施，进一步减轻中等收入群体M40的负担。为什么特别提到M40呢？安华这次画的，究竟是一张可以解决问题的政策蓝图，还是给M40的一张“临终缓刑令”？（主播：蔡心慧）
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00:00Before watching the video, remember to check out trending websites for more content!
00:04First, Anwar made a prediction after attending a Ministry of Finance event last Tuesday.
00:07The 2027 budget will introduce measures.
00:11Further reduce the burden of M40 on middle-income groups
00:15Why specifically mention the M40?
00:17Currently, the monthly income of an M40 is between RM5,800 and over RM12,000.
00:23Yoshino
00:23The income seems quite high.
00:25But it increasingly gives off the feeling of a high-salary commoner.
00:30After deducting mortgage payments, car loan payments, children's education, medical insurance, and daily expenses from the money earned.
00:35Sales, etc.
00:36The amount of money that can truly be freely disposed of is decreasing.
00:40Is Anwar's latest policy blueprint truly a solution to the problem?
00:45Or should we give M40 a suspended death sentence?
00:50According to data
00:52Malaysian household consumption expenditure in 2024
00:55Increase by 8%
00:56However, salary growth was only 3.8%.
01:00in other words
01:01Money is not impossible to earn
01:03Instead, they spend faster than they earn.
01:05The M40 faces more than just simple challenges.
01:07Groceries are expensive
01:08Oil prices have risen in such a simple way
01:10Housing and transportation are essential expenses.
01:13Plus education
01:14Medical
01:15Childcare fees
01:16Squeezing household income layer by layer
01:19Especially for those with children
01:21For city M40 residents who have mortgages and also need to take care of their parents...
01:25So-called middle income does not necessarily mean an easy life.
01:30Even more embarrassing is
01:31On the surface, they earn more than B40.
01:34However, it lacks the substantial financial resources of the T20 to provide a buffer.
01:37When you need help?
01:39Or perhaps because income exceeds the threshold
01:41And unable to obtain sufficient policy support
01:43Not poor enough
01:44Not receiving enough assistance
01:46Not rich enough
01:47Unable to withstand the ever-increasing cost of living
01:49This is the dilemma of the M40's internal co-location.
01:53Anhua now uses M40
01:55Key points included in the 2027 budget
01:58Is it because of their pressure?
02:00It has become so large that it can no longer be ignored.
02:02It's still about the coverage of past policies themselves.
02:04There is a gap.
02:06What's wrong with the M40?
02:08They are truly suffering.
02:10Or have we simply been underestimating it?
02:12The pressure they are under
02:16Facing the continuous rise in the cost of living
02:18The pressure of M40 on the middle-income group
02:21It is also receiving increasing attention.
02:22Firstly, Anwar recently made a prediction
02:24The government will include this in the 2027 budget.
02:27Introduce measures to alleviate the burden on M40.
02:30According to the definition of the National Bureau of Statistics
02:32Household income between RM5,860
02:35Between RM12,679
02:38It belongs to the M40
02:39Their income is not low.
02:41They even have a certain level of spending power.
02:44But the question is why the income isn't low?
02:46M40, however, is finding himself increasingly short of money.
02:49We all generally have a concept
02:51It's the M40 and T20.
02:52This is the group that pays the most taxes.
02:55By definition, it has purchasing power.
02:57Having extra money and a decent income
03:00Above average medium
03:01Therefore, its tax volume
03:04It's definitely higher than the B40.
03:06Why did we just mention the M40 group?
03:10Under such great pressure?
03:11Mainly because of our current salary.
03:14Unable to keep up with the cost of living
03:16In other words, the problem with the M40
03:19It's not simply because the income is too low.
03:21Rather, income growth cannot keep up with the cost of living.
03:24Li Rongchang pointed out that data shows
03:26Malaysian families in 2024
03:27Average monthly spending
03:29Approximately RM5566
03:31An increase of 8% compared to 2023.
03:34However, the salary increase during the same period
03:36Only about 3.8%
03:39The money earned
03:40It's getting harder and harder to keep up with the money I spend.
03:42Rising cost of living
03:43That would certainly affect all income levels.
03:46But why is the pain from M40 so particularly noticeable?
03:50Because they were in an awkward position.
03:53The threshold for assistance for those with income above a certain threshold
03:56It doesn't have the same income and wealth buffer as the T20.
04:00We all know that B40 companies receive many government subsidies.
04:04For example, Sara or some cash allowances.
04:07They have these philatelic societies
04:09M40 is often a group that is overlooked by policy.
04:13Because he lives in a middle-income area
04:17And then there are many of these allowances
04:19A lot of these cash subsidies
04:22None of them were given these M40s
04:24So the pressure they receive
04:25It's actually very unfortunate
04:26Because if you are an M40
04:28In fact, the past ten years
04:30After each fiscal budget
04:32There was a comment from everyone.
04:34During the talks
04:35The exchange rate is given to B40.
04:37Then B floor
04:38The middle layer did not benefit.
04:41High pressure
04:42So they are called
04:44Intermediate Level Level Level Level Level
04:46It is being suppressed
04:47Not taken care of
04:49It wasn't said that the T20 was that good.
04:51I think this has been the way it has been.
04:53What troubles them
04:55This is the problem with the M40.
04:57Veteran investor Zhang Guolin mentioned
04:59For M40
05:01Real pressure
05:02It might not be that they can't afford anything.
05:04Instead, they can afford a lot of things.
05:06But in the end, nothing was left.
05:09Especially after the pandemic
05:10The pressure of rising prices is becoming more pronounced.
05:12Expenses for medical care, education, childcare, etc.
05:15The increase may also be higher than
05:17Overall inflation level
05:18The M40 is often in a position where
05:20A special position
05:21They felt they could still...
05:23So I will still try my best to squeeze out money.
05:25Let the children receive a better education
05:27To enable parents to receive better medical services
05:30If it's an M40
05:32What I value most is...
05:33My main focus is on medical care.
05:34Nursery children
05:36That inflation
05:38This medical care is especially
05:39The inflation rate is higher than
05:4115 percent
05:42So you've never been able to catch up.
05:44I think the pain point is in that area.
05:47Everyone wants to send their child to a better school.
05:50If given the opportunity, I would like to go to a better private hospital.
05:53Of course, every social class
05:55Even if I am B0.5
05:56I hope to go to a very good school.
05:58They might say there's no point in hoping for it.
06:00No need to even think about it
06:01If it's the M40
06:12So, did the government really neglect M40 in the past?
06:15The government has already approved various subsidies in the past.
06:17Aid and tax measures
06:19Helping different income groups alleviate the pressure of life
06:22But for the M40
06:24Facing the ever-rising cost of living
06:27One-time cash assistance
06:28Even an extra RM100
06:30Not enough to truly solve the problem
06:33More realistically
06:34The government itself also faces the problem of limited fiscal space.
06:38I think it's a benefit or help for the M40.
06:42Looking at these technologies in the past
06:45I think they're all talking big.
06:47But in the end, there was nothing.
06:49Because our country is truly
06:51That fiscal situation was really exciting.
06:53You can no longer help B40
06:55Then you free up your extra resources to help M40.
06:59Moreover, we are currently facing the problem of high oil prices.
07:03Then the government has to spend so much money to subsidize this oil price.
07:07I think this ability, or the extent to which it can help, is greater than small.
07:12This has created a dilemma, and the pressure on the M40 is becoming increasingly real.
07:18However, the resources available to the government are always limited.
07:21Therefore, the problems facing the M40 may no longer be simple.
07:25Did the government provide assistance?
07:27Instead, it was this group that was once considered "okay"
07:31When I also started to feel that life was becoming increasingly difficult
07:34So how exactly should the government help?
07:37Only then can we truly withstand their pressure.
07:43Over the past decade, the M40 has increasingly resembled a squeezed gold mine.
07:48ten years
07:48It took a lot of effort to climb up the income ladder
07:50But it still can't keep up with the cost of living.
07:53When paying taxes?
07:54M40 is a significant contributor to national finances.
07:57When facing welfare
07:59But because the income is not low enough
08:01Being turned away from the door time and time again
08:03When the country's finances are tight
08:05M40 seems to have once again become the group most easily sacrificed.
08:09It is difficult to become one of the groups that receive the most priority care.
08:12Over time
08:14M40 has become a policy orphan.
08:17It's not that no one saw it.
08:18But every time resources are limited
08:21It always seems to be their turn to give in first.
08:24Even more
08:25Like a machine that keeps making money
08:26Consumption
08:27Tax
08:28However, it is difficult to truly share in the economic benefits of a living tax collection machine.
08:33So the problem is no longer just...
08:35Is life tough for M40?
08:36Rather, it is a pillar of national consumption.
08:39Taxation and the economic cycle
08:41If squeezed for a long time
08:43How long can the government let them hold on?
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