Looking at SG stats, almost impossible to pull 200k SGD in salary regardless of age haha.

So if one is pulling that, better focus on enhancing and strengthening that like you say.

I suggest you also read "The Psychology of Money" by Morgan Housel. There's an audio book and he also has a podcast by the same name I think.

It really gives you a different perspective about the relationship between money and individual.

Sadly bro, those RW and Hays survey are not reflective of reality. I'm part of it so I know.

Most people would be stuck between the 5-8k range, with a handful getting that 5 figure salary so many wish for. If one has it, better focus on growing that.

No, but perhaps with different perspectives one can tweak its estate planning better.

For me, this line is something I always doubt comes true.



You see plenty of mega ultra max pro rich people is still unhappy, chasing more wealth, destroying relationships over ringgit and sense, for example Uncle Lim's family:

https://www.freemalaysiatoday.com/category/...1-6bil-lawsuit/

So, I think I'll never know what is "never worry about money" level. It is RM100k? It is RM1mil? It is RM10mil? RM100k is life-changing to some, but its just a weekend spending to another. And this quote in the book I recommended sorta touched on:



So my legacy would hopefully NOT to have my kids never needing to worry about money, but understand what is "enough", and how I can help them achieve that.

Because there's major upgrade so pivot to talk about books ma bro haha..

After the site is back up then continue.

He's a well known troll, so take it with a dose of salt.

Would you put in like 15k into EPF to hit a personal milestone?

Or better invest it in other places?

No la, I don't do the self contribution, but more to get my total amount to another level.

It's in a way money just lying about (I just found I had some ASNB Imbang 1 which has been giving really shitty returns for years that I totally forgotten about).

deswai boikot

I will be a bit more bullish, given there has been a huge rebound for the global stock market in general.

T20 won't have any subsidies, so don't bother.

Yea, more you give then self kantoi unless its necessary.

Must manage expectations. 6.2% maybe.

EPF 2023 Dividend - TIKAM list

Above 6%
virtualgay - 6.88% | 6.44%
yungkit14 - 6.50%
leo_kiatez - 6.43%
ikanbilis - 6.30%
CommodoreAmiga - 6.25%
oks911 - 6.25%
mroys - 6.25%
fuzzy - 6.20%
tehoice - 6.15% (+- 0.05%)
kiwifruit - 6.1%
Kens88` - 6.1%
romuluz777 - 6.088%
sj - 6.05
Netcrawler - 6.05
nexona88 - 6% +/-
tifosi - 6%
Pseudomonas - 6% (upper limit 6.5%)
Cubalagi - 6%
Jenn77 - 6%
kechung - 6%

Below 6%
gashout 5.95%
Gamenoob 5.92%
poweredbydiscuz - 5.85%
handsome ankle - 5.85%
prophetjul 5.83%
Rinth - 5.8%
ronnie - 5.5%
Hopefully with many lucks in 2023 last Q.

EPF app is down for maintenance, ini kari lah?

All hint 5.5-6%, so they already seed the expectations. I think it's around 5.8%, and people will be 'happy' because it's higher of the given range.

Good propaganda management.

See, told you it's propaganda management.

Keep seeding that things might not be as rosy, so when they give the higher range all will think government did well.

If all say 6%, and they deliver 5.85%, all say they fail.

Because Q3 was good, so people thought Q4 gonna bettter but kena kencing.

That's why govt start start propaganda since few weeks back, so suddenly everyone also happy with 5.5% etc