hence the elements of "fighting"... "one's worth"... "courage"... "short-changed"... may not complete the entire picture, right?
that's the beauty of life.. there's a cantonese saying that goes something like "yan pei yan, hei sei yan" ("a compelling comparison amongst ourselves, will only lead to ruin and vanity" - my translation)

my dad told me this when i was a very young child.. thus, it's worth pondering on this..

earn 5k and be 500k in debt..
earn 5k and have 0 in asset(savings)..

earn 2k and genuinely happy.. and financially free.. (yes, it's not a typo.. 2k)

among which would you choose?

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Added on September 13, 2007, 5:02 pmi know.. i was being rethorical myself..
my goal is however, is to earn as much to buy my freedom..

for example, i need to raise about 400k capital to do 3 things..
with a good income, it helps alot.. otherwise, it will take 10 years to reach it.

then i'll stop focusing on high income.. maybe i'll like to be the malaysian guy working in china.. happy and at ease

This post has been edited by lwb: Sep 13 2007, 05:02 PM

Yes, if I understand the chinese proverb but that does not apply to people who is willing to strive and struggle for success. Surely someday we will all be worn out and tired, then we will stop but while we are young and kicking, compete and may the best man wins.

Earn 5k and be 500k in debt
Earn 5k and have 0 in asset
Earn 2k and genuinely happy

Since this is hypothetical, I'd earn 5k, have asset and still be happy. Yes, you can have all if you work for it.

Anyone here earns 10K at 28? Maybe he/she can share the experience.

haha, i open topic about 10K at age 30 b4, kena throw to kopitiam.....
10K by age 28, possible....but no life...

"earn 2k and genuinely happy" is not advise for those below age 40.
"earn 5k and 500k debt" is way to go for those younger age. 500k debt is motivation for u to find the way to earn more money.

i have friends already age 30 making +-rm2000. stay with parents, everyday play online games(world war craft) and feel very satisfied already. no car, no house, no debt at moment... everytime see him also keep talking abt his online game. i feel he's happy with this kind lifestyle at moment.. but future?
for my thought, this is definately not the right lifestyle for youngster like us...



i agree with pennywise, rm5k is easy to achieve nowadays, but u must have sensitive sense to smell of $$$, smart vision and dont be lazy and wait $$$ to drop from sky. right investment is the way to go.



always look wider, there's alot oppotunity and possibility in this world.

This post has been edited by genkis3: Sep 15 2007, 10:23 PM

RM100K per month is possible with 3 session of fashion show. She is a professional make up artist and she make up for the models in fashion shows held within Malaysia.

Another person I know he is 24 years old and he earning RM11K per month doing MLM business.

I know some fella around age of 28, they are earning only RM3K+, spend all their money no savings at all. Money all goes to cigratte, pub, clubs, cybercafe. This kind of lifestyle still can go on? Waste alot of money, especially they go to cybercafes and mamak everynight (some are mamak hoppers, LOL), nut fellas. Up to them.

This post has been edited by zeist: Sep 14 2007, 01:23 AM

Wooo... that would be enlightening but he / she would probably have some kind of special job in the oil rig or somewhere at Dubai or middle east! Sure not like our regular 9 - 5pm job at Peninsular M'sia, very low rate nia...

Where got until no life? Some people does have such luck! Maybe some taukeh son work for dad leh? Pampered young director with BMW and 10k paycheck? Possible, right?

I bloody agree with the first two sentence. I think when you are young, you can buy a home of 300 - 500k and then payback slowly when you work. You also motivated to make more money! Its damn true!

Yes, I agree, there are some people 30+ liao still live with parents with little responsibilities and commitments. Watch anime la, collect action figure la, play game la, save all those hamsap wallpaper la, no car, no house, no investment, just lepakkk... This is satisfying for them, but not for me - not at all. Unfortunately, my parents not like that - my parents throw me to fend for myself and pijak pijak me, pissed me off, complain to ppl about me, look down at me - so I will grow strong and fight! Of course some times, I really hate them but then I know in the end, I'd appreciate how they pressure me and teach me in a very ROUGH way to make me a man.

Last time, my parents look down at me. Now, they go out, I become hot topic. So, I feel everything pays off in the end. I still live with my parents today, I am the only son. I take care of them. I want them to be happy. I want to get marry and still live with them. I want them to love my wife. After two years of marriage, I will move out, nearby - close to my parents, close to my in-laws - this is the family values I've been taught.

As for side income, I can tell you I dont have those unit trust and public mutual. I wish I have them but then I didnt. I have a sensei, a lady who teaches me the stock market in deep details and she is a housewife, previously worked for Sugar-King as private secretary but now old and retired liao, children away in England and Canada - so she adopted many young adults to teach them about the stock exchange. This lady is my best friend's god mother, so I happened to be one of her lucky students.


Yea, I think Loreal make-up artiste expert earn something like more than 13k per month just to make up. I know cause my fren is in that company. MLM those kind of thing make me puke - not interested in those Cosway, Amway, Diamond, etc crap.

Cybercafes and mamak every night? Necessary?
Cigarette and drinks, healthy?
Pubs and clubs? I dont see they got library and bookstore right?

This is the different kind of mentality la. I have some close friends who make 4 - 5k but spend everything on liquor. Can bring you in any disco at any time, know bouncer, VIP room, everybody knows him - no need drive sports car, just normal car but drink like tong besar. Bill cannot pay, sign, father pay. Its how we were brought up, that is what make us different.

This post has been edited by Pennywise: Sep 14 2007, 01:11 AM

can't believe there are high income earner who mind so much about wat happened in the past n keep mentioning it like ppl donno.....
delete post ?
yes, look wider....

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Added on September 13, 2007, 11:46 pmpls exclude those who born with silver spoon.....
10K is achievable indeed...

This post has been edited by yewkhuay: Sep 14 2007, 07:34 AM

haha, ur previous action remind me everytime i want to make post at lyn. will ya request for imcome tax proof this time? jk...

what i mean is only delete the side income recommend sentense coz i only wil be free to reply PM within this 2 days. after that better delete it ,if not ppl say me liar no reply.
*wa..they are fast in PM action....

This post has been edited by genkis3: Sep 14 2007, 12:10 AM

Simply put, nowadays, nothing is impossible la.

malas wanto ask oready .....don worry , i won't ask anymore unless those who blow water too much...

10K is a lot !! Most people can't earn RM 10 K even in their forties.

I personally know a friend who is work as a ACCA lecturer, going to various countries to conduct ACCA class. He is earning around RM 15K per month, he is just 26 !!
He is 5 times ACCA Prize winner

Well, some industry is based on experience, some is based on reputation. If you have ALOT of experience but your reputation is no good, who's going to hire you or deal with you? Reputation on the other hand is always come with experience which you won't get reputation if you don't have the experience.

he is a human calculator?????

you dunno that got people can calculate stuff faster than calculator?

genkis3,

500K debt means pay about 30+K per year in interest to the bank every year. Thank you very much for working like a slave for the bank. I would rather own the bank and collect money from you. Getting pay motivate me more that paying 30+K of interest to the bank every year.

Dreamer

He is teaching Theoritical Paper !! Didn't involve much Math !!

RM 15 K for a lecturer. Age of 26 ...
Unbelivebale ? believe it !!

He is 4 years elder than me, but his income is 8 times more than me !!

However, he is always outstanding (academically) since his primary school Years till NOW.
You know that type of genius ...

I admire him, now I also wan to be an educator since it is also my passion..

Sounds like me

that amount just as example, how much debt is depend on income, what i mean here is atleist u got commitment to keep on making more money.