er.. bro BuBu & partner, i'm no tauke leh (although i like eating tauge ) - just a worker ant like 80% of the world's population

Ok onto the numbers and "opinion-ating":
1. Concept & Approach
Congratulations to your partner & U on having such thinking & approach - a truly "one for all & all for one" + a great savings and wealth generating approach too.
In addition, both of U didn't fall into the "car trap" - a SERIOUS destroyer of wealth in Malaysia, especially when it can cost nearly 1/3 of an apartment.
U sure both of U are 22?
Dagnabit - i wish i had such discipline & thoughts in my younger & dumber days, thus wouldn't have gotten into so much kaka

2. Numbers
er.. what's "BT Income"? My apologies - old uncle here have not heard such terms used with other fellows hehe. I'm not "too in" so to speak.
I'm assuming it's net income here yar.
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A very good savings rate 57%+ of net income! 
er.. i'm assuming PTPTN loan is being repaid as well in your total expenses yar

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Extrapolation of your cash investments/assets, based on average returns pa 7% + average inflation pa 4% and NO INCREASE IN SAVINGS pm!
Realistically, as one's salary & commission grows, savings can grow.

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Extrapolation of your EPF and EPF-related investments

Looking at BOTH the extrapolations of EPF-related & cash investments, both of U will be reaching financial freedom OR at the VERY LEAST, comfortable retirement.
Note that there's an NPV (net present value) calculated to give U an idea what your future value of $ is worth today.

Now all U have to do is:
1. Keep on being mindful of expenses & saving like what U are doing - half for spending & half for saving
2. Learn how to manage $, risks & invest. this er.. summary (though long-winded) may help http://forum.lowyat.net/topic/1577849/+1551
3. Hit your financial freedom level 0 (basics / bare necessities), then go for level 1/2/3 (better retirement lifestyle) if wanted OR just relax 
U may want to learn to "give back" effectively as U travel through (1.) to (3.).

Attached is the ZIP of the Excel files snapshot above - for your easy SIMULATION/WHAT IFs if U are Excel inclined.
Please note that the above are just extrapolations and personal opinions, not gospel truths.
Just a thought 

Hm.. funny, screenshots 2 & 3 black only, even though checked and re-uploaded.. 

Well talk is easy and calculation can always show great profit for 'average' 12% gain per year. For those who have been investing a while knows that past performance is not equal to future performance. Also the gains will not be steady, there are bad times and good, depending when you are buying. Invest based on your risk tolerance, and if you take 12% as a guide then your risk tolerance is very high...Question is do you have the holding power if your stocks suddenly take a 40%-50% dive? or do you dare to double down once it hits these number?  Well it happened in 1997,2001 and latest at 2008...

lost money in which fund and swich to which fund now?