En. Munir has come to see you as proposed by his close friend En. Firdaus (your ex-client).

En. Munir is 40, married, and earns a gross salary of RM6,000 a month as an assistant manager of a famous fast-food chain in Malaysia. He lives with his wife and 4 children (two boys and two girls). Living in the northern area of Malaysia, he feels very complacent with a low living cost compared to the city. However, recently after 15 years working, he was shocked when he realized that he does not have enough savings to perform Hajj with his wife. Below are the details on his monthly expenses.

Monthly Expenses
Utility	RM400
Car financing	RM1000
House financing	RM500
Food	RM1000
Child education (4 children)	RM1100

Based on the above information, as a certified Islamic financial planner, advise En. Munir on his future financial planning for him to perform Hajj at least by 2024.