Aug 15 2023, 11:00 AM
no debt... quite a sizeable asset...
the only thing i would like to ask you to consider is just maybe can buy own property so you don't really waste a lot on rental? You will be surprised...many years down the road, you will look back and wonder why i have paid so much for rental when all this could have been channeled to my own property purchase... don't compare people, just buy what you can afford and be happy with it.
you still have many years ahead of you in working world, earning RM3800 + side income a month at 27 years old is pretty okay already man... somemore you already have so much FD and cash!
p/s:
why need to compare buy property? even if you can buy, don't compare buy big big, just buy what you can afford to pay comfortably and enjoy la...
why need to compare buy super car or luxury car? what's wrong with driving old car which is still working great and drives great?
I could have easily purchased a RM200k car but I choose to drive RM20k car and still feels great about it... QUOTE(johnnyenglish123 @ Jul 26 2023, 05:50 PM)
Hi guys,
This is actually not my main account. Main account created back in 2012 was locked out due to theres once lowyat got a security compromise on all user's password and require us to reset. Unfortunately I lost access to that account & Email.
I am feeling down everyday, not sure what to do. People around me and same age as me is reaching greater heights (EG: property purchase, Luxury/super car purchase) but I feel stuck..
Age: 27
(In MYR)
Liquid
Cash : 86 K (In High yield account 2.15% PA)
FD : 127 K (A mix of fd range from 2.7 % - 4 % PA)
Rize : 23 K (4% PA as for now)
Iliquid
EPF: TBH I dont care about balance in EPF, not much, but i didnt withdraw before, let it be
(In USD)
Liquid : $ 27K
Iliquid: $ 22K +
Others
B Segment Car Paid off (Early settlement discount, bought in 2019)
Expenses varies really... Cuz i will pay expenses such as groceries, food and all. Usually around 2 K MYR
And then add on another 600 for Personal insurance, car maintenance and insurance etc
Salary
1) MYR 3,800/month (Gross pay)
2) Side income Varies month to month, sometimes 6k+, sometimes 1k +
No property nor luxury car, too timid to commit
Single with GF
This is actually not my main account. Main account created back in 2012 was locked out due to theres once lowyat got a security compromise on all user's password and require us to reset. Unfortunately I lost access to that account & Email.
I am feeling down everyday, not sure what to do. People around me and same age as me is reaching greater heights (EG: property purchase, Luxury/super car purchase) but I feel stuck..
Age: 27
(In MYR)
Liquid
Cash : 86 K (In High yield account 2.15% PA)
FD : 127 K (A mix of fd range from 2.7 % - 4 % PA)
Rize : 23 K (4% PA as for now)
Iliquid
EPF: TBH I dont care about balance in EPF, not much, but i didnt withdraw before, let it be
(In USD)
Liquid : $ 27K
Iliquid: $ 22K +
Others
B Segment Car Paid off (Early settlement discount, bought in 2019)
Expenses varies really... Cuz i will pay expenses such as groceries, food and all. Usually around 2 K MYR
And then add on another 600 for Personal insurance, car maintenance and insurance etc
Salary
1) MYR 3,800/month (Gross pay)
2) Side income Varies month to month, sometimes 6k+, sometimes 1k +
No property nor luxury car, too timid to commit
Single with GF
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