Adults = above 21 y/o. So the stat you have is not surprising. I doubt there are any 21 y/o have even RM100k. Unless from parents

You remind me of another important fundamental of investment - don't be too negative / pessimistic. If not, everything also cannot jalan. Nothing is good. As I always said to you last time, negative person always wait for all 10 traffic lights in front of them to turn green, only they step on the accelerator to go ahead.

Of course, too optimistic is also not good. Cautiously optimistic is better. Middle of the road. Being cautious can sail the ship for ten thousand years !

Being negative / overly pessimistic can only stay at the same spot for another ten thousand years