Hi all. Can I know if girls are willing to settle down poor guys. By poor I mean for an example the description below:-

- 30 years old
- income RM2,500 (will hardly get a raise)
- 0 savings at bank
- RM350 PTPTN loan to pay back for next 15 years
- no house (cant afford to buy a house as after expenses for one person, income left with zero)
- no car (not enough money to get)
- no entertainment (not even weekly, weekend can just stay home because cant afford to go out)
- no good foods (basically the most basic foods for less than RM5 per meal)
- no give parents any money (coz no money to give)
- no steady job (means can be laid off anytime)
- no hot body and look plump (due to non-healthy cheap foods that is filling but not healthy like roti canai and lots of rice and cake biscuit)
- no good skin (coz no money to go facial)
- no friends (dont dare to find to control spending, dont even have enough to spend on public transport)
- no credit cards (not eligible, bank statement record very bad)

just want to know if a very very very nice person, a true gentleman is to confess or propose to the girl but with above conditions, will the girl accept and willing to settle down with him forever. Preferably a hot looking girl.

huh so enightening.. you heard.. are you one of them? 

but to be honest... there are girls who willing to accept so one.. "ringan sama dipikul berat sama dijinjing"

if i were you I would just do what my nature will do.. means be yourself... that is the person that she will accept.. in future.. and through your life...

RM2,500

RM450 - rent
RM100 - utilities
RM50 - phone
RM900 - food and drinks
RM100 - gym
RM80 - facial
RM30 - shampoo, soap, cleanser
petrol to work - RM400
insurance - RM380


Nowadays alot 30 years old non-educated are making only this much. It is not that we are all granted with opportunities and not all want to do sales related jobs.

Because you're a guy I guess. Girls don't want to be seen in a cheap car

Because you're a guy I guess. Girls don't want to be seen in a cheap car

Atleast you got 4 wheels better then no wheels

+1. Cars are just a transport to take us from A to B only. I've seen a guy (my friend) who has no car (not even car licence) and the gf has car. She is willing to take the bf here and there. The guy has almost no savings as well (can see from his spending habit). His money went to either self improvement or his hobbies. But there is a girl willing to love him so...

To answer TS question, it depends on your definition of poor. If poor until jobless, can't even survive on his own, then goodbye lah. No girl wants to susah themselves. If a girl accepts means she's really too naive or stupid. I never believe in the Chinese saying "got love can just drink water". Because everything in our lives need money. People need money to survive. If a person accepts a leech, then need to prepare extra money to rear the partner or both will end up in money arguments.

If the guy and girl can support themselves, then it is a different story. There are girls out there that can survive with minimalist. Maybe slowly both can save for their future and support each other.

Maybe you should start googling what minimalism means.

Ikr? The cc guys believe girls are all materialistic lol. But the truth is, many girls out there just want financial security and can live a simple life without posh stuff. They either just pick the wrong girl or ignore those simple girls. I mean like... if you court an Insta girl with LV bag and designer clothes, do you actually expect the girl to be minimalist?

I've seen guys that can afford more than what he is driving and he chooses to drive local car because of being practical. I see no wrong in that. In fact, that's one of the things that is a plus point to me. Being smart with money. I encourage him to stay practical too because cars depreciate.

i knew one person been liar towards me since early relationship because of mine wealth. lucky able to kick her out earlier

Yesterday I was picked up in an Mercedes AMG 

Manage to speed all the way to Putrajaya before having to relinquish the car back.

rm200 per mth to parents? hahaha.
Mostly they are already in committed relationship, doesnt matter who drive whose car. Car is just secondary, the person is the primary no matter what we want to achieve.

Appreciate and practice..."You should always save a third of your paycheck, investing it in stable stocks or bonds that pay dividends or interest. You spend that — never the principal."

To add to that, BE PATIENT; especially to yourself.

P.S. I personally find people who has that discipline are highly attractive on top of being rich. Don't worry, gold diggers won't have a chance with them.

lol, there's no such thing especially at this day and stage where money matters, if you have a fat wallet, it would make courting super easy

U wanna PM me why and I will look into it?

It's never too late to start.

what i meant is that i do hope guys stop being gullible about all those oh-so-lovely-loyal-ladies that always stand by the sides of their partner when shit hits the fan, ESPECIALLY when it comes to money. in fact, being in a relationship in and of itself is a transaction, heck why would a guy falls for a girl? either:- she's hot, sexy, knows how to cook, or something else, likewise, what makes the girl falls for the guys? perhaps its due to the guy's good look, strong financial power, etc....

so you get the gist, hell we all do. which is why courting nowadays are so much harder than when we're way back in the ancestor's age and shit. no good looks? ok, perhaps with the money, hopefully the poor dude can fix his face, no money? okay, keep on working till he gets richer/stable, until then, he'd better stop courting and starts working, unless of course if he intends to be single

simple:- no money, no lady

Yeah , was saving to buy a decent house first, Need alot downpayment.

I always wondered if people truly understands the meaning of “network”, “leverage”, and “gearing”.

I assume u do. May I know what would be ur equity capital?

How to know whether the fat wallet is genuinely fat and not filled with useless namecards and loyalty cards?

Alot of things can be faked these days, to judge someone by what BM/Mercs car he drives, just go to mudah and seek the make and year of his car, even average joes can afford it

Another example is, people that have a long deck of credit cards, is their current cashflow more than (or less than) the total combined credit limits of their cards?

Then, what you think about about a guy that still drives a RM3000 saga he bought when he was 17.

P.S. Although, I knew I would win the bet. It has affected me detrimentally socially but beneficially financially/emotionally. 
That leads me to actually believe this quote. “Every adversity, every failure, every heartbreak, carries with it the seed of an equal or greater benefit.” Napoleon Hill

so that the dividend from the capital raised with the loan he leveraged from his salary enough to buy him an Audi TT.

I think he is gonna die very ugly death. He just shifted 100K from FD and dumped into stock. Not the wisest move.
Huge selldown when market reacted to LGE making statement to reduce PNB position in GLC and Equity market.

I think he is gonna fall hard because of his arrogance. Or win big for his boldness. Keep u posted if interested.

I figure he feels like an idiot now.

Yeah sure there are girls who will settle down with poor guys. But whether they are "quality"girls that is another question all together

Personally I was driving a 9yr old Proton Saga 3 yrs ago with barely any money in my account and now im driving a brand new BMW with substantial savings in my account. Had to push myself out of the hole I was in because of some circumstances in life.

What I have noticed is with the extra money I not only am able to make myself look better physically ie eating better, working out, dressing well but I am able to improve mentally by travelling and immersing myself in experiences which I did not have the luxury of doing few years back. This has made me a more well rounded and attractive man I feel.

Which in turn has significantly raised the "quality" and quantity of girls that are now attracted to know me better.

Apa tipu la

I just sent for welding on my Iswara power steering pump bracket and replaced/flushed power steering fluid, RM 150+ poorer

Its not uncommon, though myself still earning less than national median family income

Rm4k HHI barely enters the M40 zone
Dont be surprised

I bet your income alone can beat half of Msian households income

Reality sucks right? Because we are surrounded by people alike hence we don't realize there are many people out there who can't even fork out rm5k in times of emergency
Edit: oh shit just found out that i actually earn more than Msia national median income