Siti Aminah Hj Abd Rahman, senior officer in Wealth Management at Baiduri Bank, spoke during a financial planning forum at the Ministry of Finance. She said a person's expenditure and lifestyle should be based on his or her income and explained the four concepts of financial planning. She also urged participants to consider insurance to protect themselves and loved ones, and added that those who are looking into investing should make sure to study the investment. Takaful Brunei Keluarga Senior Executive Officer Noor Amal Fitriyah Abd Rahim, emphasized the importance of insurance during her speech and recommended to being prepared to settle and manage debts as part of financial planning.