How To Move From M40 To T20 Group In Malaysia In A Short Time

In this article, I want to share my thoughts after reading an article published on iMoney Learning Centre.

The title of the article was “Is The Income Gap Between The B40, M40 And T20 Groups Widening?

We’ve been hearing a lot of talks from politicians and government officials on the term B40, M40 and T20, but what do they actually mean?

I found out the answer after reading the article on iMoney:

These refer to income groups in Malaysia, where B40 represents the bottom 40% of income earners, M40 the middle 40% and T20 the top 20%. These groups are further broken down into tiers, such as B1, B2, B3, and so on.

In 2019, the mean income was RM1,849 for households in the lowest tier, and RM24,293 in the highest tier.

Median household income in Malaysia

After reading the article, I started thinking, what is the quickest way for a person in the M40 group to move into the T20 group?

For a household in the M40 group earning RM5,346.00 – RM9,730.00 per month to move in the T20 group, their combined household income has to be more than RM12,720.00 per month.

One way of making the move from M40 to T20 is either the working husband or wife gets a major job promotion and managed to double their monthly salary.

But relying on your career promotion to get into the T20 group may take a long time. Probably you will be nearing your retirement age when that happens.

What other options do you have to move from M40 to T20?

Do something today

From my personal experience, one of the best and quickest way to move from M40 to T20 is by having a home based business in Malaysia.

For me and my husband, we made the move from M40 to T20 using our home based business and partnering with BE International as our vehicle.

BE International is one of the fastest growing MLM company in Malaysia.

We did the move in less than 24 months!

If you are keen to read about my journey building my home business with BE, please click here.

Can anyone build a BE business and become successful?

The answer is Yes. I truly believe anyone can become successful in BE.

However, not everyone will do it.


Many people do not believe it can be done and that is why they are not willing to try.

As described in the picture above, why not you do something today that your future self will thank you for.

If you are currently in the M40 group and looking for a way to get into the T20 group by using a home based business, please click the link below to contact me on WhatsApp and I’ll show you how you can leverage on the BE business platform to get you there quickly.

Click here for WhatsApp chat

By | 2021-03-16T11:07:58+08:00 March 15th, 2021|Sharing|0 Comments

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