Top-ups welcome but couple unsure if they can afford a third child
Mr Muhamad Reduwan Abu Bakar (right) with (from left) his mother-in-law Khatijah Hassan, daughter Dhia Dahiyah, five,
father-in-law Muhamad Amin Lam, wife Murni Alidawati and son Danial Dahin, two. Financing their children’s tertiary
education is a worry that weighs on the young couple’s minds.