wondering.... now that your networth essentially double (or more than double) vs 2021, are you thinking of retiring earlier, or semi-retire or continue to accumulate resources?
to me, your job seems interesting to continue cos one month on, one month off... quite interesting a schedule to someone like me.

Why you wanna be so charitable… you can buy and manage your own btc directly.

It's quite a twist of things. Oil and gas as an industry had been stagnated for the past 10+ years. Past 3 years had been brutal with OPEC+ production cuts and outlook on global economy being gloomy (bad economy = less energy consumption). Even though the time off and rotation remained good, the pay is not what it used to be anymore. The job is really physical, sometimes on land oil rigs, sometimes offshore (yay, helicopter rides)! So, age is another factor....

I wish to retire by 50, which is just another 4 more years away, but maybe I have to put in an extra 2 to 3 years (and put up the the work until 53).

I guess you can say everyone has a figure in their head to be secured and comfortable with retirement, and preferably with a safety margin. One thing still I can't get is what to do AFTER retirement - maybe have time to explore real passion and interests...

bro you no commitment no loan already achived FI ..
investment also earned so much

you dont subscribe to the Retire Early concept
in the FIRE?

retire early to enjoy life seems like the in thing now..

work seems tough also but
salary too good to let go.. USD15k a month if offshore right?

Offshore or not, in oil and gas, USD5 to 20K a month is common, depending on roles, responsibilities, skillset and experience.

Retire early would be good for me, I know and it is very tempting. But years when I'm still able to work, I should utilize them too. My work is a bit physical, so the time frame isn't much. It is just my last push until I accumulate well into the 'comfortable' range of savings, a.k.a enough safety margin.

Previous sharing is that my wife had cancer back in 2023. Indeed, if retire early, spending time with loved ones would be my #1 priority. There's nothing more important than that since I spent half my time away from home already.

i got a friend who is a leader of the team, reporting to the boss.
he said if offshore gets higher

he gave his wife RM30k each month for house hold expenses
i just wonder how much he earns....
leader of the team can get USD30k a month?



able to work should gather more.
dont waste your earning capability

This is what i do. I told a lot of friends but all of them didn't know they can do this. But i don't zerolize the interest, i still pay a few ringgit to rm10+ per month since i only put in 99.9% to avoid fully paid the house loan.

Too many things to do for a gamer like me. And recently i am into learning AI (image/video related). Many other plans like exploring into 3D scanning / printing still pending... Time is not enough...


Personally i don't count properties as my NW (by right i should), main reason is these properties need time (months or years) to change back to cash unless i sell them super cheap.

My case is extra money can't change my plan. I will be working minimum 10more years if i can't stop my desire of chasing more money. But i did slowdown my plan 1-2 years tho.

If i think like this, i don't know i will work till when

For me if I can generate 2x my monthly salary in dividends I can really walk away cause I know I have reach FAT FIRE.

Just walk away bro. Don't be greedy. If you don't walk away, you will never walk away and work until your retire or regret it. Of course to walk away need to have a plan. Cannot walk away if you are not prepared.

This post has been edited by Ramjade: Sep 19 2025, 08:07 PM

Still on track to pull the trigger and FIRE this year?

it is too mundane if everybody is talking in the same direction
no incentive to think, you aye me i aye him...

you want to stop work at 40 also?

our peak contributions to family and nation
our highest earning time is often 40 and above

any one here peaks at 30 or 35 and stay stagnant?

stop work too early is economically self defeating
when you are at your peak

waste away personal potential , not full tapped.
discard collective benefits and responsibilities
selfish especially if you are highly skilled worker
not easily replaceable...


you cut short your contribution to nation
but lengthen your retirement draw out
worse go apply for handouts for the unemployed
since you felt 'qualified' and entitled....

global trend is increased retirement age
not reducing it, why?

if you are in the right job
work can be your pastime,
give a sense of purpose to wake up
keep your mind and skills sharp
to socialise, get peers company
keep abreast uptodate

if work is your hobby...would he quit so fast?
so dont take work only as a chore
it is more than that

Glorifying early retirement is not good
it adds to societal pressure and unrealistic expectations
think for those who cant even earn enough
what more FI and RE

when you retire too early eg 40s you are betting
you can predict 45years ahead of your future
the longer the horizon ahead
the more unpredictable it can be
inflation, market movements and health care needs

actually most people only want autonomy
they dont really want to stop working per se..
can redesign yourself without the need to cut off your work
contribution to the nation

This post has been edited by guy3288: Sep 19 2025, 10:53 PM

Come I rebut you.

Stop thinking about nation when the govt don't care about you. Think about yourself and your family.

Not nice to wake up without alarm clock?
Not nice to not be stuck in traffic jam or squeze into train?
Not nice to just drink coffee/tea/juice while reading papers or listening to podcast while going for morning walks?
Not nice to just then do what you like for the rest of the day?
Not nice to nap anytime you want?
Not nice to just say let's go for holiday during off peak period?
Not nice meh to spend time with your family members?
Not nice to slow travel and when other people feel sad that their holiday is ending, you can say what holiday ending? My holidays are never ending?
Lastly not nice meh no more KPIs, office politics, lousy bosses, no more China man companies?

I have tick off a few on those list and one of the best feeling.


On the contrary it's good to glorified early retirement. It was the dream that lead me down the road. It was very motivational to me and I know I can reach it. It was satisfying to know that I managed to live the FIRE life. I can say that been there done that. Will want to go back to that life. It's a motivational. As long as your can live like a very low B40 (extreme frugality) can be reached evenif you earn very little. My mum was from poverty so I know she make it work and how she make it work.

This post has been edited by Ramjade: Sep 20 2025, 07:13 AM

People always come with an assumption work/ job is dreadful and punishing...the FI is still what people like, the RE has been debatable, many articles have it. they dread RE and they cancelled RE.

i always say i love my job, and it's not even for money, but it helps to boost my financial freedom. at this moment, my passive per mth is higher than my saving amount per mth...so saving/investing wise, my task is done, and i can enjoy life, but there is more to 'work to retire'.

on a typical day, i go office 11am++, ciao 4/5pm++. and that happens 3 days a week due to my own wants, not requirements. other days, can stay at home, think do other stuff. some of my colleagues never been to office half of the year. there will be time im needed by company but in general, i think work today has designed to work well with personal life.

there is nothing wrong with 'work' at all, warren buffett still works today at 90+ yo. he said I don't work to collect money. I work because I love what I'm doing. Work is the best way to grow your money, followed by investing which can 2x,3x,4x-10x your money over long period of time.

so maybe the problem isn't work, it's the job one selects.

Guys, how much passive income is needed to be considered FI/RE ?

Depends on How much you need and WANT to spend pm and when you hv the mean to hv passive income that can earn you that amount pm, then you can fire.

You must have been trapped or ‘victimized’ by above things… hence, your desire to escape.
There are people who truly enjoy their work… and get to do what they want… and when and where to do the things too.

Not everyone lucky like you. As long as you got a boss or a workplace which wants KPI you are never free. Or maybe European countries. But if FIRE came from US by Mr money moustache, it shows that American work culture can be toxic. Also it shows even in European and Australia people, they also want FIRE.

Depend on how much spend a month, how much are you going to spend or how much you want to live by lo.

If you want to be save 2-3x monthly income in the form of passive income.

Not really. I was motivated when I saw some American guy retired to Thailand at 33 years old with his passive income > expenses at around expenses of around USD7-8k and passive income of USD15k p.a? It already happen in uni. Working only make it quicker. When you live a poor life you know the value of money. That's why I said I don't give banks free money. That's why you see my methods are unconventional and unorthodox.

I was damn if he can do it sure can I.

This post has been edited by Ramjade: Sep 20 2025, 02:02 PM

I think I can made it just needs few more years to go after that shake legs at home every day

Not everyone can get the job they like or enjoy. If Ramjade gets the satisfaction of investment which seems to be giving him +ve returns most of the time n enuf for FIRE, he can just give up his regular job. Investment itself could then be the JOB.
Lately i have been told some has started to do like him, get a easy job but spend more time on investment. I think this is due to the current state of job insecurity n lack of opportunity. If u r in senior management n got retrench n cant get reemployed, can go do grab+ investment. If just graduated n while waiting to get employed, learn investing.

when you say 2x your previous salary, what range are we looking at? 10k-20k? or 20k-30k? or 50k?