U start to see " bubbles " like many expecting prices of properties to fall.

Happy weekend wongmunkeong,
  Let me guess smewhere arnd rm 6 -rm 10 max.

Having good controlled food items is one thing, but having good exercises in a week is another.

U maybe not be able to supplement one with another.

In life, u cannot just do financial planning alone, spiritual planning to strengthen your mind is no more a luxury , rather a must for many.

Family Harmony such as love , is sometimes money could not buy ...........

Saving for a bigger goal  is good , but do u intend to pass all to the money  next generation

So expensive one meh.... 

My lunch FOC, company give...

methinks.. that's how children are spoilt silly

A lot of people rent even though they have like 3 kids already.

Giving in so easily will spoil the kids, let them work for it will bring character which will last a lifetime.

Looking at your expenses, since 2.8K was your take home pay and you manage to save 2K per month, I was wondering how you do it. I know you have listed down everything, but I don't see anything like giving to parents below. So, do you mean your expenses of 800 never included them? Just curious how people with <3K take home pay able to save so much. For me, that kind of expenses is just PAMA fund that I allocated and since I'm working outstation, thus I pay rental. Food wise, we have about the same allocation. I would say that not everyone able to save 2K, in your case a vast 72% of your take home pay due to we have other commitment such as parents. You've been pretty much impressive about savings, but then again, it does not apply to everyone, even people with higher take home pay than you.

Parents own >10 properties all loan settle. Last year dad just get another condo in KL RM500K+

They should have achieve millionaire status..coz I see my dad go bank no que one..the branch manager always invite him in drink coffee one..They go on world tour must got money only can go travel so much ma..1 year go few months is a lot oledi.. 

I dunno the returns, I never ask...anyway it is my parents money not mine...

I independent do not like to relly on parents much that is why I choose to move out and earn a living on my own when start to work..

I rather make it on my own rather than depending on parents..

That is why I take ptptn loan for my diploma.

Then I come out work already and pay back my loan.

Life maybe hard and suffer at the begining, but without help the struggling will make u a better person.

If depends on parents, can be next CEO or smtg like that without going thru hardship, meaningless life to me. 

I already live a lifestyle like most average common ppl already...Don't u agree?

I make an honest living and savings. It is just I do not support parents. Giving them money every month is very little money to them.

Better if I sometimes bring them out eat hawker stalls, accompany them go holiday being bellboy carry laguage, bring them jln jln., go temple pray, etc. Money is not everything. If rich can give money, if poor like me I give them my time and energy.

It is the same as doing charity. IF got money gives money, if do not have participate give energy and time - still helping right?

please don't make an excuse. He is just diploma holder and technician holder with RM 2.8k only.
I saw many degree holder yet no have saving like him.
He does not need to support parent since he does not live with parent

Can you elaborate overspending on kids? What I saw now : Parents give everything to kids>kids prefer support wives and their families>kids no support parents>continous cycle

IT programmer aka COBOL

I didnt buy anything didnt meanz i kedukut, becoz i didnt born with assest but debts for me to solved.

You didnt know my father pass away didnt leave anything for me.

Maybe not "over leveraged" wor if his "Dividends (Business): RM35000/month (average)" comes in like clockwork or that amount is a prudent % of his average takings, ie. viewed in terms of (debt payment / income)

However, his D/E i think is waaaaaay over 1
This "over leverage" U mean?

I wonder how many more cases like Vector89 out there. How much time do these people have? And when they have run out of time, then will the property market bubble finally start to burst?

So back to my initial question, passive income stage comes after your retirement? Accumulate stage is during your working life?

I'm still learning on investment so all I do now is FD .. which is max 3.2% .... this car loan is effectively 4.06% which is worst than FD ... that means i should pay as much down payment as possible ?