That is what i meant, got to walk away even still has the capability to earn money.

Next year will be my final year of working

Still on track but slight delayed. Will be around next year Q1. (I am a Chinese's destiny / fengshui believer, next year will be my good year of money (able to earn / save more money), too bad, haha)

So far my heart still feel a bit sad every time thinking about will be leaving my subordinates, this part plays a big part of me delaying my plan previously.

P/S a few people replied me, but the system only informed me there is 1 notification... Made me didn't reply in multi quotes.

This post has been edited by HolyCooler: Sep 21 2025, 09:00 PM

Mid of 40.

Thanks

Wouldn't work anymore, retired really means fully retired. My time will be fully on hobbies + sleeping until wake up naturally + yumchar with friends

Thanks. Not sure if it was me, but i do contribute to EPF as much as i can. I don't fully rely on EPF, and i have others like FD, ASNB, etc.

The one with 30k per annual can be happy now, but once they encounter a situation when they need money (example accident happens need big amount of money to do surgery, kids need money to go college, etc), they will suffer.

May be the data they used :
1. SG = average person's target of retirement
2. MY = rich people's target of retirement

If SG one using rich's people target same as Malaysia, then the target would be a lot higher than Malaysia?

I think most of the people going to fire going thru this struggle, it is not easy to beat the desire of "want more money". It depends on how high your desire to "have your own time fully" vs "desire to have much more money". For my case, i expect i could get 10mil+- more next 10 years if nothing special happens, but my desire of fire is so extremely high until i could beat the desire for the extra money.

Some people might not understand, i believe 99% of people will say just endure 10 years, you know so many people don't have such chance?

The answer is simple : I am really very very very tired, i have enough saving and i do not want to keep chasing more money anymore

Some people will understand why i made such decision.

I used to think i could rely on my parent to buy car and house when i was in college, turned out they refused to do so and asked me to earn money myself to buy those things (max they sponsored me was until college).

At first i felt unhappy (i knew they had the money but i was just not sure how much they had, until now i still don't know their networth), but today i appreciate their decision, they made me know i could only rely on myself, that made me much more stronger. Recently they told me they found lawyer to assign the properties/etc, i told them assign to my siblings i don't need those things.

One thing i noticed, people like me who go to KL alone to rent room to study/working after secondary school, tend to be stronger than those who are origin from KL in certain areas. Not all tho but i did noticed higher % of them are very reliance on parents.

Many saying they don't know what to do after FIRED or after stop working.

When i first heard about this i was so shocked. Nothing to do? How can that be? Whole life only concentrate on working, without any hobby?

As a person growing up playing video game since 4-5 years old, like to watch comics / anime, interested on Virtual Reality / Mixed Reality, soon will be testing 3d printing and scanning, like to yum char with friends, like to collecting lots of high quality items (example this is one of the collectible's type i like : https://www.youtube.com/watch?v=2fFGFi7H9d0), occasionally coding (now coding is easier, tell AI what you want, you can create some APP easily, exploring AI (this is freaking interesting. People say AI will replace your Job, NO, you will only be replaced if you refuse to learn AI to assist your job), etc.

Now i am not shocked anymore as i know lots of people really no hobby. But people also needs to understand that many people have hobbies and these people will not let their brains stop working after fired/retired. Retired = die faster not applied to these people with hobbies.

No need to feel sad for him. As a collector myself, i feel satisfied admiring / looking at the collections / arts, what other think about my collections are not important. I also don't care about what my houses and collection would become after i leave this world. I told my wife she can sell them, throw them, or contact my friends who are also collecting and gift my collection to them.

If he the kind of want to get satisfaction / attraction by showing off his collection, he should collect luxury items, even if people don't like the items, they would be interested / amazed by the prices


"emotional and sentimentals attachments" are worth more than money <--- Yes.

Personally i do not have problem occupying my free time. Altho already mid of 40, i am still gaming 2-8 hours per day. When there is new game out, if it is my cup of team, i could even play 6-16 hours a day. In certain situation i apply leave and sit in-front of the PC play from morning until night, and i ask my wife to bungkus for me, i can be damn extreme when i am doing something i love. When i was doing coding, i could sit in-front of my PC for 12-16 hours too, now no more though.

For gaming, besides i really love it, another reason is i could keep forcing my brain to think / analyse / remember things.

My wife is a gamer too, she got a Switch and PS5 (mine is a PS5 Pro), she finished many games such as Zelda, Dragon Quest Build 1-2, etc. She has a kara-ok room and she has retired for more than 3 years now.

Same as you, i wanted to FIRE when i was young, and that time i also fully relied on EPF. Things changed a lot in recent years and i had the chance to save the money i can never imagine i could have, thus i am speeding up the FIRE faster than planned.

Hobby = something you enjoy doing it.

That 10+ hours gaming = my happy time.

That 10+ hours coding = my happy time.

That 10+ hours learning AI = my happy time.

When you are doing something you don't like, 5mins feel like very long. When you do something you like, time fly so fast.

Personally i think gaming has nothing to do with maturity. Same for reading comics, etc things that we do when we were young. Some guys scared people might say they are still kids cos of gaming and comics, well, personally, i have a kid in my body forever. If maturity = woman and luxury cars, i have them too.

Warcraft was such a great game but i didn't play it. My first mmorpg was Runescape, still at college that time and the phone bill shocked me (tmnet/jaring era). I played FF14 for many years before i stopped it. Actually there are lots of fun games but just a matter if you willing to try them or not. Recently the BlackMyth Wukong, Expedition33, Monster Hunter Wild, Metal Gear Solid 3 Snake Eater Remake, Silent Hill 2 Remake, and some new games are quite good.

If you are into fighting games u can try Tekken or Street Fighter 6, etc, the scene is pretty competitive world wide, many pro-gamers are already 45+- and still competing. The prize in recent years are crazy, biggest one the champions could get USD 1mil-1.5mil, and if it is the one held by Saudi prince, it even cover all the tax to make sure your bank account receives exactly USD1mil - USD 1.5mil. Now we are talking about FIRE.





This post has been edited by HolyCooler: Oct 9 2025, 02:15 PM

My wife never encountered what this youtuber encountered. Wife has retired for 3-4 years now since her 30+. I always purposely making joke to her and say "You must be missing your working life so much and eagerly back to work now", her answer is simple "Fxxx NO!". My father retired at 55 and my mom around 47 that time, never ever heard they miss their job or regret of retiring (father is full of hobbies, mom mostly gardening and watching tv/online shows).

Btw, from a lot of posts about nothing to do after retired, these people seem have 1 similarity, they are sharing one same hobby or only has ONE hobby, that is, TRAVELING, once they have no place to travel to, they have no idea what else to do.

This post has been edited by HolyCooler: Oct 26 2025, 07:44 PM

Same as you, i also think KPIs is stupid, it makes staff becomes robots, and most of the time those KPIs are useless, and some even causing troubles. Some departments' KPIs might look good on paper, but bring nothing to the company. But then at the same time, if a company has too many staff, it might need KPIs to track, but imo it is only works for certain type of departments/works.

About meetings, a lot of useless/snaking staff use meetings a way to make them look like they are doing a lot of things or being hardworking, but in reality, just NATO no action talk only.

Glad to know you are enjoying your retirement life

I think once you are frugal for a long time, it will become a habit, it is hard to change the habit. Some people with frugal habit, even have 10million saving, if they are used to spending 3k per month, if a month over-spend extra rm10 they might feel guilty or uncomfortable.

I am always wondering how u guys avoiding tax.

As an employee and also a share-holder, i always follow the rule and pay everything. No one in the company would offer any "trick" to avoid tax, and the bosses would not do "special arrangement" for anyone also.

I am planning to get a new car and pay in full cash after i am retired, and i never worried about LHDN, this is peace of mind.

One of my relatives was very rich (30 years ago already has over million), doing business, he was always getting audited by LHDN. He told us it was due to some people jealous of his wealth and secretly reported him to LHDN to give him troubles.

It was more than 30 years ago. And that time many government staff + businessman under table "transactions". The one who reported my relative should be in the same industry or could be close "friends". According to my relative, he said surely was reported by someone who know him well and know his income sources. He said it was quite troublesome to handle, he didn't say he got fined or not, i was only 10-12 years old that time when i overhead the adult's talking.

"Man lives frugally his entire life, saves 12.35 million, elderly man starts “learning how to spend money” in his later years"

(New York, Dec 9) Due to extreme insecurity, many people live frugally and save money their entire lives, refusing to spend even as their wealth grows. An American man had already saved US$3 million (approximately RM12.35 million) in retirement funds by the age of 58, yet he continued to live extremely thriftily. It wasn’t until the sudden death of an old classmate filled him with profound grief that he decided to quit his job and start learning how to spend money — to enjoy life while he is still healthy.

Original in Chinese :

https://www.orientaldaily.com.my/news/busin...eCRjmuC3oQgvDEg