Age: Coming 44

Working: Manager

Salary: Use to get RM50K/m tax free (working overseas), RM22K/m in Malaysia and after 24 years working, applied VSS and now settle down with less burden work with a salary of almost to RM9k/m contract  (epf)with a Government agency.

Wife: Government officer (Gred 52) about 8k/m (pension scheme)

Children: A dotter of 16 years old.

Asset:-

EPF: RM1,127,092.45
ASNB: RM2,096,195.19
Total cash: RM3,223,287.64

Dividen per months from the above: RM12,750.00

Properties:-

1 Semi-d Shah Alam
2. Double Storey Terrace Sentul
3. Condominium in Cyberjaya
4. Banglow lot near Putrajaya
5. 1 acre kebun in Rembau
6. 1.12 acre kebun in Bukit Rambai

All above loans already finished.

Car: MYVI 2016, wife Proton Wira 2005 (Car loan already finished)

Monthly expenses for familu and self: RM4,000 (Food + Grocery + Electricity, etc etc)
Parent RM 300 ( My mom don’t want because her pension is 10K/m from government) But I still gift.
Rental RM 0
Car loan
Car Petrol - RM350 per month
Renew road tax + Car Insurance = RM125/month
Car Maintenance average RM200 per month
Insurance RM62.50 per month
Phone RM 120
Internet RM 138
PTPTN Loan Nil
Total Expenses Exclude Credit Card and Personal Loan Debt = 1000/m on CC for minyak and medical isurance premium.

Mininum Credit Card Payment Per Month = Nil

Who said makan gaji cannot become a millionaire. Just need to keep savings and kerak kasi kecil regardless you have big salary. We will not know when we will be retrench, vss or sick cannot work anymore.

Yang penting kerak kena kecil dan hidup di bawah kemampuan.

Keep liability to low such as cars, rumah juta-juta please avoid.

Pakaian buy at kamdar. Only kasut beli di sketchers because of overweight.