Every month, can be positive or negative. But if I don't count my budgeted major expense (mainly my kid's education for next 3-4 years), I look at yearly net worth, it's actually still positive the last few years.

Anyway, I live frugally where possible.

Early 50s now..hehe

Eh cannot lah...haha..need more than that. Ayam seekor RM20 already. If count per person, maybe RM 2.5k lah on safe side.

Holidays lain kira lor...like this year blown on Japan Horiday. Ok lah, not like I go every year. Local holidays I have no interests...waste money only. Want to go, either go big or go home (literally) and watch Netflix.

Yesterday blown RM1.6k because Graphic card rosak..., but these are very abnormal kind of spending.

This post has been edited by CommodoreAmiga: May 20 2023, 09:06 AM

Updated above...but I guess RM2.5k per pax is a safe calculation.

And I am totally debt free (when I choose to retired, I cleared all my debts).

Good luck to you bro, just count all your expenses for whole family and combine all income source.

I was also scared when I did it to be honest, also will be good to do this before you jump the gun, calculate actual expenses and income for every month for say 6 months. This will helps to gi e you confidence.

Even today, I made a habit to capture most my expenses via a phone app. Just shot the receipt and it will capture all the info. End of the month, export the data to Excel files and do your maths.

This post has been edited by CommodoreAmiga: May 20 2023, 09:16 AM

Let's just say my insurance is taken care of. Which is why it is important to calculate based on your own situation. No two person financial expense are the same. So yeah, that doesn't covers insurance yet.

But I was calculating per pax...if it is one person, the expense are higher...but if you add a few more, subsequent pax can be lower due to shared cost.

Hence maybe for 1st person RM 3k to RM 3.5k is more realistic. Anyway, take my advice with a grain of salt! Do your own calculations!!!

Exactly. Priceless. I can eat roti and drink Kopi at home. No give fcuk to anybody. Nobody's gonna chase me out of my properties. No truck to come for my car. No sohai Hamsters downline chasing me because Ponzi scheme bursted.

I can meditate and achieve Nirvana.

This post has been edited by CommodoreAmiga: May 20 2023, 09:30 AM

You work because you Suka, boss.

I tak Suka. So I keluar. 🤣

Besides I have tons of hobbies , want to learn them before I die.

Good job! Give yourself a pat on the back!

My hobbies needs a lot more time..learning electronics to refurbish retro computers, play piano/guitar, learn coding for retro machines (my background is coding), learn Japanese...all these needs loads of time and not simple...

And also need to clear all my backlogs of videogames....muahahahaha!

Where got time!

Having more money is meaningless for me...to me even if you add another zero behind my current net worth, it won't change my lifestyle. I have no desires for wasteful expensive stuff. Hopefully I can achieve Nirvana soon in a couple more lifetimes.

This post has been edited by CommodoreAmiga: May 20 2023, 09:43 AM

Thank you. Hope you found yours and you probably have done better than me when I was your age. I see bright future ahead of you. (The real bright future, not the kind you read in news...).

Fark arrogant angmohs, I always say. Ptui!

Australia pretty racist wan lah...aren't they descendants of British criminals or something?

And I farking hate Australian slangs.

Lol. Maybe. Good for your friends!

But they play the "boycott China" game by their taiko US. Now it's gonna backfire on them.

You add another zero can challenge Najib already bro...lol

If you are old, we are what? Ancient relics???

prophetjul

Transfer a little bit each time...USD500 like that...i think won't trigger any alarms. Ramjade Minta pencerahan because i may need to do so in future....

One of the benefits of FIRE ready...can always fark your boss. So? FIRE ME LAH.

T10 konon. But actually B40 only. 8k is peanut butter with roti.
All these grading by EPF is way outdated.