bila recession hit twice, and someone you luv got cancer, 2 times ops + treatment oledi cost a bomb. then gaji keja keno potong, mungkin you akan paham. during those days, I sold off my condo unit bila hit with financial difficulty. got another 2yrs to settle, with 14yrs installment. from there, gua bought another apartment unit in cash at lower price, with xtra balance to save for rainy day. untuk gua, shorter term, less paying for yearly interest. bila jual, dapat bigger amount...

This exact post shows that you have zero financial knowledge about mortgage. Please do yourself a favour and go learn about how home loan works.

While you procrastinate until your 40s or even 50s to buy a single house.

I already fully paid my 1st house when I was 36. The second one just finish paid end if last month(Im 43 this year)

Looks like you have an issue with delayed gratification. But I will tell you from 20s u til mid 30s my life is really on shoestring budget most of the time. Totally no expensive oversea vacation.

Only when my age 37 onwards do I start to enjoy more.