Better than zero. Keep it up bro.

What age range are you???

Ooohh...

Still got few years...

At least you gotten some basic...

Especially EPF 100k balance... Many your age group got less... Still no assets like house

keep it up. in life, it's not a linear growth, sometimes you can struggle for 10 years then 1 year makes all the difference.

i was a typical 4 digit salary person 4 years back, trying hard to save every penny. now, im financially free but still trying to hit 7 digit in epf (you don't have to believe my fairy tale story)

regardless of anything, the basic prudent saving, self learned financial knowledge, conviction, are all required.

Wow. Nice. I only got free bitcoin. That was back when bitcoin was USD5😂

Free btc. Nice. Hodl!

always play spot... btc will also go up in the long run.

i have coins from 0.60 to 0.008 to 0.50 cent, you need conviction in any investments. i also have a few coins -99%. we learn as we make mistakes, im slowly getting there.

.
Ram trading still doing ok?
Really need to do hw, most of my - 99% is shilled by others. Same with stock market. Those badly rated always have good things behind most not know about. I call this hindsight? .. High marketing ignore. Find the next solana polygon
Polygon I saw 4c skipped. Did 2.
Solana I saw 2 skipped. Did 200.
One coin I saw 1 cent. Did 50c now. And market not over yet.

Back to your 5 digit. Do something for yourself. What are you thinking of doing?

yes, options
agent can be good money if you do it well. too many useless agents in this country, so much to learn from agent overseas.

agency license can make passive without working?

Just keep grinding, nothing now means you get to try everything.

I am one of those behind you, but 15 years older. Wasted my youth playing video games instead of studying and seeing the world. End up today, no real friends, no real skills, no asset, forever alone. I am paying the piper, living life with regret, waiting to die alone.

Recently laid off as well, but trying self employed route to save up and give back to aging parents. Maybe a chasiew like me can still take them on overseas trip while they can still walk on their own.

Not going to lie, life is pretty shyte considering I had the best cards growing up, but threw it all away like the dumbfrack that I was, but some beers helps to sleep it off during the nights.

I'm just a ta kong zhai that got lucky to make a decent salary.

So I'm not qualified to give business advice compared to other sifus here.

i made my first 260k from my own critical illness payout lol

Then you need to go into survival mode. Spend the bare minimal. Eat one meal a day. Buy reduce to clear food and vegetables from hypermarket.

Cause you need the money. Delete all Instagram. Start watching youtube to learn trading skills or start doing odd jobs or grab food in the meantime.

Go look up fiverr and start doing free lancing work

Don't be greedy. When you got no more coming in most of the time you will be desperate.