GLD dropping tho

I strongly agree. What is the point of having so much money if you don't know how to utilize/enjoy them? Money is pointless and meaningless unless you make full use of it and make something meaningful out of it! But sure, I suppose some people will just feel happy and content and safe when they look at the numbers

I also subscribe to this thinking. That's why I'm willing to spend some money to travel etc. I know some people will say "oh we want to save up money so when we retire we can travel around the world".
But personally I feel that:
1. travel is exhausting. How much can you travel can you spend or cram within one period? Do you plan to travel or take vacation every month when you retire?
2. Age. Like I said, travel can be exhausting - all the walking around, sight-seeing and navigating in unfamiliar environments. Even now I can feel my stamina is not what it was when I was in my early 20s. I probably wouldn't have that much stamina to do long travels when I'm much older.

Of course when I travel I try to keep a decent budget and not do shopping or fashion holidays. I also try to save for retirement but I see life as a journey, and we shouldn't focus so much on that end goal of "golden age of retirement' to enjoy life. But like you said, some people think differently and their priority is focused on achieving their target at the end.

M40 cannot hit 1 million.

Agreed. and good to hear from a fellow menjalara-ian 
Totally agree. I like to travel too and I like cars haha. So my friend asked me, what if I didn't buy my car or buy a cheaper car? I could invest the downpayment and monthly payment and when I retire I could have gotten 2-3mil ringgit extra on top of my target. I told him, yeah probably I could, but :
1. I don't know if i will ever get to my retirement age and
2. Even if I do, sure i'll have the extra cash and then what? Buy a sports car at 65? I will probably hurt my knees getting into a sports car at that age.

But for people who are happy with looking at the numbers and die die want to get as much money as possible, I respect that.
I actually calculated for a friend, he started working at 19, he is now 21. His epf contribution plus employer's is rm1200. If his salary maintains he can hit 1mil. If my calculation is right. I could be wrong.

Agreed. and good to hear from a fellow menjalara-ian 
Totally agree. I like to travel too and I like cars haha. So my friend asked me, what if I didn't buy my car or buy a cheaper car? I could invest the downpayment and monthly payment and when I retire I could have gotten 2-3mil ringgit extra on top of my target. I told him, yeah probably I could, but :
1. I don't know if i will ever get to my retirement age and
2. Even if I do, sure i'll have the extra cash and then what? Buy a sports car at 65? I will probably hurt my knees getting into a sports car at that age.

But for people who are happy with looking at the numbers and die die want to get as much money as possible, I respect that.
I actually calculated for a friend, he started working at 19, he is now 21. His epf contribution plus employer's is rm1200. If his salary maintains he can hit 1mil. If my calculation is right. I could be wrong.

My stashaway still negative when it comes to USD. Sigh!

Yes, in term of USD, TWR is still negative.

Hello everyone. Just a quick question, if I had RM500 to DCA every week, what would be the best option?

A. Continue DCA RM500 a week
B. When the market is in green, only deposit RM250 weekly, and keep the other RM250 to pump more when market is red.

Just wondering, cuz everywhere I read some say the market will retest the lows when the stimulus effect fade away and industrial report comes in.

What you people working as so rich at 21? LMAO

Hello everyone. Just a quick question, if I had RM500 to DCA every week, what would be the best option?

A. Continue DCA RM500 a week
B. When the market is in green, only deposit RM250 weekly, and keep the other RM250 to pump more when market is red.

Just wondering, cuz everywhere I read some say the market will retest the lows when the stimulus effect fade away and industrial report comes in.

What work is that. 21 already earn 4K?

Even 5k also 1065 combined

What you people working as so rich at 21? LMAO

Oil and gas worker? Those get cert then work as helper at drilling rig can also earn daily 300-400 at least.

He's a flight attendant. But keep in mind his career path is like the ideal path. He got promoted after 2 years. Normally people take longer to get promoted. He is earning an average of about 5k take home a month if i'm not mistaken (I'm not sure coz I'm not an FA) and if you look at the B40,M40,T20 table he is considered under B40 in KL,Selangor and Putrajaya but under M40 for Malaysia  :lol2:

When he asked for my advice, I told him not to touch his epf, and start investing early. Coz he's young so the compounding interest will really make a difference to his advantage. Oh and he just started investing in SAMY too.

He's a flight attendant. But keep in mind his career path is like the ideal path. He got promoted after 2 years. Normally people take longer to get promoted. He is earning an average of about 5k take home a month if i'm not mistaken (I'm not sure coz I'm not an FA) and if you look at the B40,M40,T20 table he is considered under B40 in KL,Selangor and Putrajaya but under M40 for Malaysia  :lol2:

When he asked for my advice, I told him not to touch his epf, and start investing early. Coz he's young so the compounding interest will really make a difference to his advantage. Oh and he just started investing in SAMY too.

Oh ya flight attendance is another lucrative career but now also kena pay cut. Epf can touch abit la.. take some invest higher risk for higher profit in the long run.

Finally SA back to green.. but i think this aint over yet.. another blood bath coming also..

Ideal path?

Is he working now?

Das a jackpot over there making big bucks at 21. Hats off sir