That would depend on what purpose you are getting the property. If for own stay, yes, by all means go and get one.

FIRE that achieved now doesn't mean can be maintained in longterm, so we need to reduce regular expenses that will rise in cost for example rental. Unless your passive income after achieving FIRE surpass your expenses that means you still allow to grow your wealth.

However if you are thinking of getting property to rent out, depending on the outcome, it could severely impact your FI and RE. A good property will benefity u but also bear in mind you could bought a property that does is less attractive in terms of rental market and appreciation and that would bog you down in your FIRE.

EPF in 15 years: 3.8mil. For me I won't worry much with such ammount in EPF. In 15 years' time. You are looking at interest income from EPF of RM209k assuming you don't withdraw it and assuming EPF can declare an average of 5.5% dividend p.a. (which is quite conservative if you look at last 10 years' epf dividend rate)

Apologies if this has been mentioned because only come across this thread today and cannot read all 43 pages of it.

By hard saving your salary/income to achieve FIRE early, there are definitely sacrifices to be made. A lot of our spendings are actually unneccesary spending.

Do you need Iphone X when your Iphone 5 is still working well? Do you need to use Michelin tyres when ChingChong China tyres at half the price can do the job? Do you need to wear Nike when Bata cost only 30% of the price you paid for a Nike shoes? Do you need to go travelling when it doesn't do you harm if you doesn't go?

First thing, it all comes down to personal preferences. If you can sacrifice these and still feel very comfortable about it, then just do it. If not, then you need to evaluate which one you need to go for and which one to forfeit.

For me, I cannot forfeit all lifestyle spendings as I feel I would regret in future, especially travelling. I am young now and still able to walk for whole day without any problem, able to go for solo trips or trip with partner, nothing to stop me from travelling except limited funds. But in future circumstances could be different. Could be kids - need taking care of, physical limitations - as we grow older our physical conditions naturally deteriorate, partner limitations - physical or lifestyle commitments, location limitations - climate change, war, environment etc)

And of course the downside to this is that if we are to go for FIRE, it would definitely have a severe impact on the time frame of it, or even the outcome of it.

Having said all these, it still comes down to personal preferences. If one feel that retiring at 40 years old is what they really want, by all means all sacrifices made now is worth it. The key is to consider carefully and have no regrets in future.