The soaring cost of living in this country has become increasingly worrisome among Malaysians. To sustain an assured standard of living, Malaysians need to have a stable income that at least could provide them with enough money to cover their essential expenses like accommodation, health services and public transportation. However, our salaries never seem to be enough to cover the rising costs of living. Especially living in big cities like Kuala Lumpur, things just seem to get more expensive. In your opinion, how does the rising cost of living affect Malaysians? Explain your answer with three effects.