70% including EPF?
very frugal, you can retire in a few years time.. keep it up..

Nice bro and welcome.

Keep on sharing your journey, i.e targets, challenges, achievements etc. Much appreciated.

Thank you to everyone who have shared your stories and journeys. I have learnt quite a fair bit reading through all 61 pages here.

My family and I are fairly aggressive pursuers of FI.

I have multiple financial objectives throughout my life. As I achieve each objective, I reevaluate whether I want to push to the next objective aggressively or take an easier, more laid back approach.

Please allow me to share my journey so far. Dual income household, working in Hong Kong, one toddler and another on the way. I am 38 this year, better half is 37.

1) Stage One (basic FI - Malaysian standards)

Parameters:

i) A fully paid up home.
ii) RM5 million in assets producing approximately 3% per annum (passive income of RM150K per annum)

[ACHIEVED]

2) Stage Two (good level of FI - Malaysian standards)

Parameters:

i) A fully paid up home
ii) Money set aside for 2 children's education for entire life, under conditions that studying in Asia, Australia or UK, and not pursuing a medical degree.
iii) RM10 million in assets producing 3% passive income per annum

[not achieved, hoping to achieve by age 45, if we stay in current jobs and have minimal progression upwards]

3) Stage Three (basic FI - any developed country)

i) Fully paid up Malaysian home.
ii) Money set aside for 2 children's education for entire life, under conditions that they will be studying in Asia, Australia or UK, and not pursuing a medical degree.
iii) USD5 million in assets producing 3% income per annum (USD150K / RM600K per annum at 1USD : 4MYR).

[not achieved, hoping to achieve by age 50, if we stay in and have good progression in our current jobs]

4) Stage Four (good level of FI - developed country level)

i) Fully paid up Malaysian home.
ii) Money set aside for 2 children's education for entire life, under conditions that they will be studying in Asia, Australia or the UK, and not pursuing a medical degree.
iii) 50% paid up home in developed country - preference currently for Hong Kong, am acceptable to staying in Singapore, Canada or even in Europe.
iv) USD10 million producing 3% income per annum (USD300K / RM1.2 million per annum at USD1 : MYR4)

[not achieved, most difficult level to reach, need to assume that both other half and I remain in good jobs on very good trajectories, there are no emergencies or worldwide circumstances affecting our lives, assuming that currencies we earn in or inflation stays stable, hoping to achieve between age 55 to 60]

Our current jobs are quite stressful (though rewarding). I may just call it quits for both of us between Stages 3 and 4 and just move into lower paying, but less stressful jobs, or, if we wanted to contribute more to the world, into charity or social work.

We are lucky that our earnings are in USD / HKD and we are in good jobs. We save approximately 50% of our income and control our expenditure carefully. Children will take a big chunk of our future earnings though, so let's see how things go.