Malaysian people enter University normally at 19 years old, graduate at age 23. Working 3-4 years as a job hunter and gain job experience. Another 3 years saving money to buy house / car. (Malaysian gal prefer 'secure' guy) so probably will married at aged 30 -32. some more still wait for another 2 year for 2 人世界。 when both having a baby at this aged, Congratulation!! That is a high probability to claim extra RM5000 relief for disable child!! What a tax planning!!