This thread suddenly derailed into stocks vs. properties (tho still an interesting read)
Let me try to bring it back on track and also leave a footprint here while at it since I haven't posted this in forums before (usually just updates on my blog)

Came from a hardcore B40 family and frankly speaking, I got friggin' lucky and never would've thought that these were possible if you asked me about this 10-15 years ago. I only have my mom to thank - her insistence to send me to uni despite our financials (and I wasn't even grateful or helping her out back then) and she can now harvest her fruits (me)

Age: 32, Female
Occupation: IT kuli
Marital Status: Single with One Dependent (Parent) / No Kids

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~RM891K Net Worth, valued as of March 2024 rounded up to the nearest thousands. Could be more frugal, but happy with the current balance in life vs. savings

Asset(s):
Condo @ RM0 - I value it at RM0 since it's generating expenses rather than cash flow. It's a concept I took from Rich Dad Poor Dad . Controversial, yes, but I'm more comfortable this way. (Market Value probably RM400k-ish nett transaction fees)
Vehicle @ RM0 - it's just a piece of metal junk that gets me from point A to point B, 15 years and running!
Cash @ RM200K - includes all kind of random cash - be it in my Flexi Loan, FD / StashAway Simple / Overseas Cash / etc. Recently hoarded more than I'd personally like, but no choice since I need to spend these in short/mid term.
EPF (Passive) @ RM447K - passively managed EPF a.k.a our sweet sweet Conventional Portfolio with yearly dividends
EPF (Active) @ RM117K - actively managed EPF a.k.a i-Invest or withdraw-to-invest and try to outsmart EPF. And yes, I fared worse than EPF. Might as well kept it untouched.
My "Freedom" Portfolio @ RM440K - ETFs, Stocks, FDs, and all random craps
Liability:
Mortgage Loan @ RM310K - been accelerating my payments since Dec 2023 before I make my next big move in my lifetime.