Time flies fast; but this time is boring! Only consolation out of these two boring years is that he was shown his basic living expenses by Mr. COVID since he is an Ant in retirement planning. Ants love Numbers!

Read? When Your Bank RM Called??? (6)

12 months of interests payment have passed. Another 24 months to go before receiving monthly few hundred bucks till 2040 when the loan period end by surrendering the policy to fully redeem $144K loan.

Let see how fast can interest rate rises in 2022 and 2023!