I am impressed with your resolution...

but lets say that "savior" friend of yours, the one who dropped everything to come help you... one day approached you and needed monetary help of say 50K rm. Valid reason and all. Would you not extend your help?

continue our discussion, i received an email this morning, titled - i am going to die soon.

a guy, who has been very active in our community, developed prostate cancer in 2022, and been very aggressive and spread to other parts of his body. doctor has given him weeks, or max 2 mths to be alive.

life is short, apart from financial health, we have other health to focus on - physical health, relationship health, work health, and spiritual health. we need to focus on them too.

i went to bed feeling down last night. im thinking a lot this week - one death is pending, one person gets bullied (and think deserved it), and one gets promoted. how much we are taking in superficial credits in this life, feeling proud about it, then die.

sorry for my rant.

Love this advice
Just like me already working makan gaji for 2 decade...4 digit salary only
first 10 years minimum spending, try to saving money in bank and ASB
Next 10 years invest in property, land...
Money is King, when you have money you can negotiate property/land price in your terms
Key is to never give up
Life is full of ups and down....in the end we wanted to enjoy the processes...

For me first 7 digit is hard few years ago when I,m starting with zero, now trying to hit 8 digit nett worth in 2-4years.
Keep looking opportunity along the way.

gaji 4 digit but hitting 8 digit net worth?

how old are you? near retirement age?

I'm just curious guys, how does Lazada make any money?

Take an example - I buy special milk for my grandparents. In-store in Caring, it is RM99 for 1 and RM188 for 2.

On Lazada, it's the same pricing for the store. They give RM11 auto-discount if add 2 to the cart. But you can save another RM56 by using Lazada platform voucher and coins.

Surely the seller doesn't bear any losses, they are selling at the exact same price as in-store.

So how does Lazada make money here? I doubt Lazada makes any money from anyone who actively stalks or participates in this thread.

With Shopee, it's different - they've closed down a lot of avenues by disallowing stacking of vouchers, and hard to get unbeatable deals there unless there is a good store voucher to combo with.

In my case, I bought the property not because of my "liking for property" but due to pressure. It is the biggest financial setback for me so far, by far. Since it's my primary residence, it's also not generating any passive income for me.

I do favor passive income a lot more than active income, however my passive income so far is far from letting me FIRE. I've been chasing for active incomes all these years just to build my passive income faster.

I can survive with RM2k, RM1.2k to be precise

First of all, need to be single and cleared all bank loans so if married then I can understand RM2k is challenging

Then, probably some will categorise how I spend to be under lean FIRE but for me that was how I live even when I was still working

Meal - RM620 (RM6 + RM7 +RM7) but in fact I only eat 2 meals and yes I am outside KV so Chicken Rice RM5 Mixed Rice RM6 still available

TNB - RM40 (2 person, no aircon but big fridge & occasional water heater)

Water - RM10 (Rounded up, 2 person minimum charges for usage up to 10 cubic metre)

Unifi Home - RM75 (500 Mbps, rounded up incl SST)

Unifi Mobile - RM0 (Only reloaded once RM10 since MNPed)

IWK - RM12

Cooking Gas - RM5 (Drinking water and occasional cooking)

Assessment & Quit Rent - RM39 after divide total by 12

Petrol - RM60 (Usually RM40 but put up buffer since sometimes will travel for leisure)

Car Insurance, Road Tax, Driving License - RM25 after divide total by 12, car value less than RM10k

Insurance - RM202 (Life & Medical. I stopped pumping in but recent bull run gave me a surprise that the cash value stays the same after 2 years not paying)

Haircut RM0 as I bought the clipper and DIY

Shampoo, toothpaste etc. RM10 but hardly as one 1L bottle can last 2 of us 4 months

No rental as house is own and paid

The balance of about RM100 can consider provision for house or car maintenance (touch wood)

Maybe bald la… so no hair cut…🤣

Very very minimally living.. indeed another way to FIRE.

But are you doing it because that’s the budget you have to live with or you just decided to be minimalist?

My cats is looking at me as I’m texting this…. Asking me  what about their food and vet cost.  😂

Bro

Is 2.5k your number ? 😅  or just figure of speech in this scenario we discussing?

Such discussion is interesting that its reveal all the thinking process and consideration for retirement.

That’s more than enough wei… with RM1 EPF to cover 2.5k…
Extra 2k left per month. Your EPF will continue to grow 😀

I ady work more than 30 years and no RM 1 million leh.

Not everyone got father mother granparents support leh
younger days, I need to pay for my own education (loan) "your parents didnt pay for your education???" (I get that a lot)
buy my own first car (loan) " your parents didnt pay for your down payment????" (I get that a lot)
buy my own first house (loan) "your parents didnt pay for your down payment???"(I get that a lot)

then need to pay to support family .

but i dont expect everyone to understand because those who never been in the situation, they will never know

Age 35
EPF : rm 1.1mil
Stocks : rm 0.9mil
Cash : rm 0.3mil

Morning guys,

I am 33 years old only, but earning around 7k to 9k per month, working as chemical engineer.

My net worth is very low, everyday I eat mostly roti and nasi lemak only.

I driving proton persona only, very cheap car.

My net worth is around RM950K (including EPF, bank acc, stocks and shares).

I got no debts as of now.

My car - Paid in full cash.

All personal loan already paid back to bank.

As of now, zero debts.

May I know am I doing something wrong? Should I be earning much more as a 33 year old Malaysian?

bro people not asking you  to share  your 'sauces' lah
what saucy sauces you have?

they just asking you to share your blog, financial webpage
so that they can visit
you scared competitor pulak?

I am surprised you earn money from blog, adsense
scared too many people  will visit your sites???

mana ada logic , bro?

talk no use lah,
want to show video of portfolio??
Do it bro

Thanks bro, u speak my mine, just lazy to layan this illogical reply.

Wow u have been MIA for quite weesometime, n now come back with a bang n see u everywhere. Where have u been?

Hence it is very surprising he has a finance blog or finance youtube. Very surprising.

so  is this all bluster?

or people dont bother to read him?
what he  posted few years ago.

if 3years ago
he had  5 to 6 figures monthly income
RM2 million to buy house

dont you think
you guys are all  wrong
in saying all the above?

he does have that money
he made it big from bitcoins
but he is not very intelligent
no common sense