Walao.. no need until like dat kua.. at least spend more normal abit wouldnt hurt. Or i guess your money all save but spend for your wife and kids?
Im using a viva and its very rekomen. Very fuel efficient saving and cheapest car in town. That is like 3 yrs liao im not sure if now got better fuel saving car.

For Viva question, I didn't purchase the EWP neither. Standard should be 4 years and EWP gives an extra of 2 years. To reduce big lump sum service/repair, I recommend you to periodically send your car to repair even though your car hasn't reach time mileage or date timeline. The EZ and elite difference are mainly differ in face lift and accessories.

Next on EPF thing:

1. You can do that provided you have excess.
2. You're not allowed to do that. Any proceed from repurchase must go back to EPF.

The only way u can "cheat" EPF money legitimately is by buying a house with EPF money and then selling it. But Property Gains Tax is there, don't forget

5 years is not a short wait bro

Just to share (in case there are interested fellow forumers):

http://forum.lowyat.net/topic/2717999/+30
Save minimum of 10% of gross salary from your net cash (on top of EPF savings lar) cukup for simple life up to 87.
If have grander ideas or children, 20% of gross salary from your net cash (on top of EPF savings lar) can do gua.

Editable version for U to play with (YELLOW CELLS - change the variables and see results):
https://docs.google.com/spreadsheet/ccc?key...RWc&usp=sharing

Original version (uneditable) - for reference in case some folks totally screwed up the original:
https://docs.google.com/spreadsheet/ccc?key...bUE&usp=sharing

Please note - my GoogleDocs Spreadsheet is a bit stiff, this is my first time doing something "semi-complicated" using it.