really? I eat kuli mix rice at cafeteria 1 vege 2 meats $2.70, coffee & tea free flow from morning till evening.

Drive own car, motor, taking bus or KTM train? Whichever you take big influence though

what is your working hours?

lol.. not for the faint hearted..

either way, you'd need to get up by 5am, and you'll arrive in jb about 8-9pm.

if you are working fixed hours, i.e 830-6pm, my suggestion is stay in SG.

Match? Cannot match la. about 60-65% of my SGD pay when converted to MYR.
I've been in Singapore for 7 years (my wife 8 yers).

But that's solely looking at salary la.

The principle is simple :  Use the savings to 'close' the 30-40% gap.

Say annual salary is SGD60k (combined SGD120k), and we save about 40k per annum (combined).
After 7 years, we have about SGD280k.

If buy a condo in Singapore, for a family, at least SGD1m,, of which SGD350k (MYR1,050k) down, of which 300k is for dp/loan etc, 50k for reno and stuff.
If we buy a landed dst, for a family, MYR1m, of which MYR300k down (100k dp, 200k reno/furniture).

So, the cost difference is SGD250k, or MYR750k. (+/-)

Say if I get a salary of 1:2, so my MYR salary will be MYR120k (combined MYR240k).
Then, the MYR750k x 6% = MYR45k.

Combined = MYR285k versus SGD120k (MYR360k), which is about 78-80% of SGD salary. If we can get above 70% of SGD pay (but converted) will be very comfortable d, and won't be that far off vs singaporeans.  We also plan to leave the SGD we saved in Singapore REITs so we have SGD denominated recurring income to support our lifestyle in Malaysia