even small online biz you have to spend your free time and then think about the sales when you sleep. i say enjoy your 9-5 job & #YOLO after office hours.

make so much money also no use if you cannot enjoy life truly.

there are things money can buy, there are also things money cannot buy.

more money you have, more to lose, which holds you back in life.

i can say majority of people here thinking of jumping into a sector that has little to do with their job & expertise, like opening restaurants when they don't know how to cook, or never cooked in their life, or jumping into cafe, clothing, fashion, and most of them know nothing about economics, finance & accountings.

rarely people venture into the business they profess in, because they know entry barrier is high and lots of hidden tapes or cables you need, so they gave up their profession and venture into something they think is "Open Market". Not knowing there is no such thing as Open Market, every Market has their Big Players, just some you don't see them because they open shops with different names or under different companies.

those that start their own biz in their professional field usually highly skilled in the field, but these people are very rare, usually they get promoted high enough or gets some perks so they don't leave their comfort zones, many that do, end up going back as employee due to the stress that came with the money.

sure, tell you you will make $1 million this year you will raise both hands without thinking, later, you start to regret the time & effort & stress involved.

you expect too much in life, be prepared to get disappointed big time.

there is a reason why Kampung folks & less intelligent people are usually more happy & content with their lives even though they are poorer than smart big city people like you.

wait another 10 years come back here & update us.

Fire is always fiery the early years. Just like chicken droppings is always hot for first 3 minutes.

that is why insurance & medical saving schemes are there. also there is FD to cover inflation.

As for your 2nd question, i'm sure for most people, as long as there is electricity, water, internet & good security and easy access to food & post office they won't mind moving there. problem is they can't find the job they want.

I'm sure ASB return is much higher than many business.

I think people are forgetting 1996~1999.

My father is one the people got VSS. Till now i resent Sapura for it.

Well, I am not cursing people to get VSS or worse, laid off. But it is just a proof that being an employee is not that rosey.