on LJ & Esther Background: LJ Lim and Esther are married with a 5-year old son, Ayden, and a 3 month-old baby girl, Amber. LJ Lim, aged 40, is a senior IT engineer with KL Construction Sdn Bhd for the past 7 years. Esther is a school teacher in a government primary school. LJ was born on 20th March and Esther is 3 years younger than him, her birthday is on 30th June. Income: LJ earns RM9,500 per month (monthly schedule tax deduction is RM1,048) with variable bonuses up to 3 months per annum depending on the company's performance. The company does not contribute EPF for contract employee. For LJ's position, he is given a transport allowance of 10% of his basic salary and a fixed meal allowance of RM500 per month. Esther earns RM60,000 per annum (monthly schedule tax deduction is RM100) with a potential one-month bonus, if it is declared by government. Last year there was no bonus. As a government servant, she opted for KWAP retirement benefit thus she is not contributing to EPF