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低薪族的迷惑

“理財師，請問大約2500令吉的薪水，該怎麼理財？”

理財師不加思索，脫口而出：“小姐，2500令吉，你還有財可理嗎？”

換言之，我好像應該感到慶幸，多虧家中兩老有“囤糧”，雖不是家財萬貫，至少不至於落入“理債”地步。

說到2500令吉薪水，餓是餓不死，但若談到進修、買產業……，一切可免談。

有人也許會說身在大馬，消費水平比較低，這樣的薪水幅度尚算合理。說實在，我也曾這麼想，但當我發現在英國上網每月低至10鎊、電話費不超過20鎊（週末還享有免費撥打）、到中餐館享用中餐只要10來鎊時，我開始對大馬所謂的“合理”薪資感到質疑，因為以英國平均薪資約2000英鎊來看，要應付上述費用絕對綽綽有餘。

當然，我不能這樣以偏概全，但只要對比鄰國新加坡，你也會發現，大馬交通費、用餐費都比別人高出一節。

“擁有多元種族是大馬優勢，這優勢有望促使大馬轉型為高收入國家。”首相拿督斯里納吉在上任不久後，即開始體恤到民眾對薪資原地踏步的無奈，所以發表言論以示“安慰”。

但問題是，邁入高收入國，是不是又要另外的10年？那時候，隔壁賣水果的阿嫂早已人老珠黃。

其實，與其終日放眼長遠目標，政府倒不如現在就採取實際行動，解決民生當前的消費問題，比如為何大馬人都在用貴網絡？（是不是政府保護主義惹的禍？）、民眾為何非得承擔高交通費？（因為公共交通無可救藥？大道變“大盜”？2令吉零5仙的油價？有沒有搞錯？大馬是石油出口國呢！）

2500令吉的月薪，在理財師眼中，顯然是低薪，我很期待進入高收入國的一天，然而，我更期待消費水平走低的一天。

理財師最後一句是：“有時候，個人能做的有限，或者想想，換工作會不會更好？”

文稿来自：星洲财经版