Basically, those benefits you mentioned are a standard for established MNCs speaking from previous employment experience

Still doesn't mean you are not expendable or replaceable like Wedchar mentioned

Just Google search Shell retrenchment and they did on & off retrenchment exercise in Msia + globally by them when business was bad

Even some other MNCs offering the benefits that you mentioned also did it, just silently

This post has been edited by coolguy_0925: Sep 20 2025, 11:17 PM

I know but she was telling me last time finding HR was finding a place for him as much as possible. But because they cannot find a job for him because of his medical condition, they have to let him go. I was impressed.

Also their medical benefit is like way better than my non existent benefit. If a person is no moving from their job is likely they like the working environment. Cause if you are like me and many people who hate their work place, definitely jump ship at first opportunity. Of course people jump ship to get pay rise.

LOL at the bold part

This is to avoid kena drag to Industrial Court lah

MNC very good at this they will do all these basic stuff to prevent kena case, and that is why their HR has the headcount probably of your entire company. They hire IR Manager to manage all these

Even someone caught sleeping in workplace on the job also have to give counselling first for multiple times before getting booted

Well can't blame you because you mentioned your ex company doesn't even have basic medical coverage

You shld think & decide for yourself… and invent your own ways by not quoting too much inspirational writings. I noticed you are always quoting someone. Quoting once or twice is fine… but always bringing up an argument based in someone else’s story makes things boring.

I work hard…. And I play hard. I’m sure you know what I’m doing now… and I do not condemn others who have their own ways.

Go ahead and be lazy… and practise all the B40 lifestyle you always sing about. One day… you will want more in life.

A good eg : if you look back at your earlier writings, you said you wouldn’t want to have a family. Guess you were inspired by and were idolizing ASSI’s lifestyle back then...

But today : you’re singing around you want to have a wife who shares the same ‘B40 aspirations’.

What a 180-degree turn….🙂…. So… don’t sing too much.

Sometimes… I’m wondering… a person with his calibre, initiative and determination… why is he not able to find employment with a high-end company…

Why does he end-up with chinaman-like companies, little-to-no-medical benefits… toxic work environment, etc…

Mysteries of life there….

I draw inspiration from others. So what if I were to quote others? Anything wrong? I did invent my own way. I am an unorthodox investor. I don't follow the norm. But fundamentally I follow few people. Invest for income and invest in high quality companies regardless where they are. Do not be scared of dividend tax. Those are my fundamentals.

Ya ya we know going to Antarctica, driving around Europe. We know you can afford it. Well fact check for you, most of us normal Malaysian working a 9-5 cannot.

I still am following his lifestyle. I guess you still don't know me. I am willing to wait for the right girl, not in a hurry for relationship. I have always been waiting. Girls don't like guys who don't spend, boring guys, cannot give them luxury life, cannot give them yearly overseas trip. So be it. I am looking for that kind of girl. I am looking for a girl who can accept I live a B40 life and is ok about it. I am willing to wait for it.

It's not about being lazy. It's being practical, pragmatic. It's about knowing the length of your own clothes. You cannot have something without giving up something. No free lunch in the world. They said you cannot have your cake and eat it. I planned to have my cake and eat it.

This post has been edited by Ramjade: Sep 21 2025, 12:11 PM

in serious discussion that gives a bad impression of yourself

in vibe ok lah...

No la. It means you cannot have both. I intend to have both decent capital appreciation with 2x my annual income in dividends. That's my style of investing nowadays. That's why I am being super aggressive by saving and living like a B40.

This post has been edited by Ramjade: Sep 21 2025, 09:55 AM

It means you want 2 mutually exclusive benefits things


Capital appreciation and income not mutually exclusive benefits

Aka you want the goods it comes with costs .


How about I want the salary but not the work

Or I want benefits but not the trade off.....

Just for some grey mater exercise..

This post has been edited by guy3288: Sep 21 2025, 10:02 AM

Actually yes. Usually people only invest for either 1. Can't really have both. That's why got growth investing, income investing, dividend investing, dividend growth investing.



This post has been edited by Ramjade: Sep 21 2025, 10:05 AM

Oh i see...you are talking from that investment categories, in broad investment long horizon sense. ...1 is for income another 1 for capital appreciation, if you have both 2 portfolios together sure can have the cake in 1 and eat it too in another

Then you need 2cakes bro...

I was thinking on individual stocks, paying dividends still stock price increase over time....not today pay dividend today price up but paying dividends overall price keep going up with time... Eg. Public bank stocks so damn good

So dividends and stock price appreciation not really mutually exclusive...both can happen

This post has been edited by guy3288: Sep 21 2025, 10:44 AM

The dividends are all from the US stock market? 10-20K in USD or RM? Even if RM and based on the USD/MYR = 4 and assuming DY is 5% (US stocks usually very low DY), you still need >600K USD or RM2.4M to achieve. Even if you don't spend, you will still need 10 years to achieved (I recalled you mentioning you can easily earned 15K from selling options with ~5K pay). That is assuming the stock market did not crashed or you did get bargain on dividend stocks. Even now most of the dividend stocks are trading quite high and the DY definitely will not be > 5%. This is why some forummers are asking to get better paying job as well.

And how you come to conclusion you will need 10-20K? When talk about expenses, you mentioned that you can get by spending very minimum at B40 level, and 10-20K spending alone makes you T20. I wonder how you come out with those numbers that you need and what are factors that contributed to it.

I invest everywhere. US, Canada, Europe, UK, SG. All same thing. High quality companies, good pay master and auto increase dividends by min of 10%p.a if they pay a dividend. All more or less have a minimum gross margin of 40%. Dividend of course converted to in terms of ringgit. Aiming for RM10-20k. I aiming for portfolio of RM4-5m or min USD1m. Yes by my calculation if aggressive calculations it will take 10 years to reach my target. If not aggressive I can reach in like 13 years.

Stock market crash or don't crash, I will still be making money via my options. The price doesn't matter. Take April 2025 for example during liberation day. I was still making money. None of options was assigned if I am not mistaken. That is what happen when you focus on high quality companies. I don't fear a stock market crash. I welcome it. Never fear it for it is a wealth transfer to me.

I aim dividend stocks of ~0.5%p.a 😆 and aggressive dividend growth of 15-30%p.a. Of course got exception like Cal-mine, CNQ, BAM, tourmaline oil, Games workshop, Singapore banks.

Trust me when I said my income is fixed. The most I can get increment is RM500 by moving jobs and I need to be stuck in jam, leave house super early. Not worth it.

How I come to that conclusion?. 2x my monthly salary in terms of dividends with excess left over excluding options income and EPF. Also because of my investment plan, the dividends will become become 3x-4x with time.
Why 2-3x. Because of the reasons below.
1. Send my kids overseas and let them migrate. I can't migrate but at least they can. No national school for them.
2. I intend to travel at my own pace once I am FIRE
3. Continue my healthy living. High quality extra virgin olive oil, 100% cacao do not come cheap. Being healthy is being wealthy. I aim to be disease free even at 60-70 years old. Still fit and able to exercise daily at that age.

All the above needs money.

So right now live B40 lifestyle and then later live T5 lifestyle (travelling) without the fear money will run out. I will live a normal simple life in Malaysia (M40), having my own organic farm once I am FIRE where I can grow simple veges like tomatoes, cabbage, lettuce, chili, gourds, sweet potatoes.

This post has been edited by Ramjade: Sep 21 2025, 11:18 AM

Well bro, I think you can afford to relax a little instead of living the full-on B40 lifestyle. You could easily bump up your spending by, say, an extra 1K per month and have a much more chilled life. No need to play “resource gathering” on hell mode. Just switch it to hard mode.
(the optimization target need not be maximize savings or minimize time to FIRE.)

If you rework your numbers, you’ll see it won’t derail your plan much at all. At that small expense (which you’ll hardly feel once you’re 40++), your standard of living today improves drastically. After all, 1K represents about a 70% jump in spending power.

This post has been edited by Wedchar2912: Sep 21 2025, 11:46 AM

It's ok. Better to play on hard/hell mode to be on the safe side.😥
Got one chance, can't miss it or screw it up.

That's all how the previous FIREr did. Play hard/hell mode for 10 years.

I know I can let go already as I have already tried living the FIRE life. Very doable. But not for now.

This post has been edited by Ramjade: Sep 21 2025, 11:54 AM

What is your planned expenses when u get married, have kids and move out (if u intend to)? What is your target fatfired income for your family then?

Your current 1500 is cos u are not paying for your acomodation and still have some subsidy from others?

I am not moving out. I aim maybe 3k-4k ish. Kids not cheap.

That's why I am investing heavily for cash flow. Cause once the kid comes, your salary will be used up for the kids. No other way. So the only way to continue feeding the compounding machine is the cash coming in from my investment portfolio be it dividends or option income.

Another reason I am being very aggressive now is to make up for time until the kids come. That way hopefully that time it can be semi self sufficient.

Target fatfire RM10-15k/month should be okish.

This post has been edited by Ramjade: Sep 21 2025, 01:11 PM

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

At least now we know why some Malaysian companies still can survive today by offering salary & benefits that barely meet labour law requirement