Blindly investing in whatever without any knowledge would kill your money even faster. Generic blanket statements are never the answer. Risk vs reward is always there.

The highlighted part is rubbish and wrong.

As for loan calculation, assuming the property is a 350k apartment and you're paying the minimum 10% downpayment (RM 35k), the loan amount would be RM 315k. RM 315k loan spread over 30 years with a loan rate of say BLR - 2.2% = 4.4% will net you a monthly repayment of RM 1,578.

And you definitely don't need 10k combined income to get married and have kids. If really 10k is needed, then the rest of the family in KL really have 10k combined income? Think about it.

Sorry didn't notice this earlier. Yes, I'm well aware of the screenshot which if I were to take a guess, is circulated by the opposition party for political means but let's not get to that. But like I said, the Bumi deduction does not affect the instalment by that huge an amount.

As to your question on minimum income, it really depends on what kind of children you want to raise up I guess. I know of a low medium income family (to prove that not only rich people raise spoilt kids) who raised a kid who demanded to have the family's only Vios because he needs it to drive to college So if you have a kid like that, then yea, 10k also not enough. Conversely, if your kid knows how money comes about, how much sweat his/her parents used to exchange for it, that kid will turn out to be another different story and that kid will also know how to shoulder some of his/her expenses e.g. via PTPTN if the parents don't have enough to sponsor the education (one of the big ticket items in life).

If I were you, I would just skip the trip and just lose whatever plane ticket price you've paid. 3k loan is double of what you're earning and if you have zilch in your bank now, taking a loan would ultimately make it negative. Believe me, zero is better than negative. Just my 2 cents.

Long time never say anything but tempted for some reason to reply to this. Bro, a car is as safe as its driver is. Drive within the speed limit and don't be a [donkey] on the road and much accidents can be avoided.

You can argue that the Civic has 2 airbags or 4 airbags etc with ABS, VSC and EBD and what have yous. But the problem is, when you STRAIN your finances to get that car, you might find problems in maintaning the car. I've seen way too many midrange cars (80k - 150k) that has faulty brake lights, treadless tyres and even broken wing mirrors (cause it's expensive to replace 1). How safe can the car be then? Bottom line is, if you can easily afford it together with the maintenance and the depreciation, sure, who doesn't want a nicer car especially if you don't mind paying 100% tax to the Inland Revenue.

Your choice dude but I'll stick to a car that costs one year my annual salary (some bros / sis here are more hardcore).

I always tell the people who can offer CONSISTENT 10% returns to just approach the EPF. Seriously, they will be delighted and most of us here as EPF contributors would be equally delighted if your plan is accepted by the EPF so that we can get better returns than the curent "high" of 6%.