You open your i-Akaun app and notice the balance sitting in Account 3. Your colleague just withdrew from his to repair his car. Your sister used hers to settle a credit card balance. And now you are wondering – should you take yours out too? After all, the money is there, it is legally yours,
Ahmad is a 42-year-old business owner in Kuala Lumpur. He opened ChatGPT one evening, typed: “I have RM380,000 in EPF. Can I retire at 60 comfortably?” — and got back a four-paragraph answer within seconds. He felt relieved. He closed his laptop and went to bed thinking his retirement was sorted. It wasn’t. The Question