IMHO, 1 more situation i think of - if having current value of money of RM300K emergency funds
AND having >RM3.3M (ie USD1M) of easily liquidated investment assets,
medical insurance may be moot too - ie if cannot save my life with RM300K+, forgetit lor - better to leave for my family's future usage.

Of course, each individual should self-value lar up to what cost is worthwhile or not to save their own life.
my life's cheap gua 

Yes, and no. Gross salary as based on their EF form. Most of them are salary earners and I prefer it that way. I like to keep things simple, for the time being at least, I do not factor in their investment income. Also Malaysians really do not like to pay directly for a financial planner, they prefer to deal with commission earners (hah!!!), so any complications would just drive them away. My current share of clients are mainly working in the O&G industry and other middle-to-higher management, and with salaries ranging from 80k to 200k a year, even they find it worth it because:
 

precisely speaking, my exboss was on RM100k a month basis. our salary is just a small fraction of his salary.

so to achieve like what this forumer achieved, how many of us can achieve? his argument being, "who say salary earner cannot be a millionaire"?

Can, but definitely not multimillionaire like him only lo.

I agreed with you. Different people have different lifestyle and enjoyment. As for me, I know my capability (Tak pandai belajat, kerja seaman) and the opportunity to earn and save money only come once. Some people they spend on what they like because they know how to make money, they know their capabilities well. Many youngsters now jutawan senyap. Online business. youtubers, gamings income, etc.

As for me, I am a 44y old borned well before the I.T era. Only know word star program, c prompt and disket was big during my time as a child.

My enjoyment is when i wake up in the morning, I don't have any debts and I can work at any place that i like. And hopefully later can retired comfortably.

1. Phone bill kurangkan

2. Rental ambil flet atau sewa master bedroom with attached bathroom/toilet. Dalam RM500 sebulan.

3. Sportify terminate

4. Wahed & samy tu apa yea?

thinking of venturing into the stock market. But still reading about it, have a full-time job so not much time to actually go and research the companies. So taking it slowly, its money anyways would not want to regret losing it.

I'm putting my money now into Standard Chartered PSA. Gives 3.6% provided you put in 3000 fresh funds every month and spend RM1000 in credit card spend every month and you get the 3.6%. I have this as my salary account, so automatically, 2.1%, if spend RM1000 which is possible, then another 1.5%. Some requirements but hey no free lunch in this world.

Agree. It is all high risk high reward at the end of the day. Stock market can earn you a windfall but you can also lose till you drop.

Do you invest on unit trust funds too? Or do you find that too high of a risk as well?