This article analyses the crucial role of personal financial management, technical stock market analysis, and passive income generation as strategic mechanisms to address rising living costs and youth bankruptcy in Malaysia. Based on data highlighting that 5,272 youths aged 34 and under were declared bankrupt between 2020 and 2025 due to personal loans and high debt-to-income ratios, the study highlights how inflationary pressures, housing expenses, and food prices compel households to seek alternative income streams. It evaluates government interventions, such as increasing the minimum wage from RM1500 to RM1700, alongside the transformative role of financial technology and online trading platforms. The findings demonstrate that integrating technical analysis, including price patterns, market trends, and momentum indicators, into everyday investment decisions enables individuals to build sustainable passive income streams, enhance financial literacy, achieve wealth growth, and build long-term economic resilience.
| Item Type: | Book Section |
|---|---|
| Creators: | Creators Email / ID Num. Johan, Nurul Haida nurul042@.uitm.edu.my A. Latif, Ruziah UNSPECIFIED Zaharum, Zaibedah zaibe101@uitm.edu.my Mohamad Malom, Mardziyana UNSPECIFIED |
| Subjects: | H Social Sciences > HG Finance > Investment, capital formation, speculation > Malaysia |
| Divisions: | Universiti Teknologi MARA, Johor > Segamat Campus > Faculty of Business and Management |
| Page Range: | pp. 1-5 |
| Keywords: | Bankruptcy, Personal loans, Financial management, Passive income, Technical analysis, Stock market, Minimum wage, Cost of living, Malaysia. |
| Date: | 2026 |
| URI: | https://ir.uitm.edu.my/id/eprint/147382 |
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