Usually housing loan subsidy or some car loan subsidy are for the higher level. Some stocks related benefit also for the higher benefits. Yeah, I think a lot of MNC also have other supplement benefits, which includes flexi hours, WFH, additional medical coverage

I was not a high level staff and still got my loan subsidy for both housing loan & car loan (only condition is to prove you have a loan)

Those higher rank in the company got even more luxurious ones, meaning higher amount of money in form of allowance (but the condition is for eg. you cannot drive a Proton Saga you must drive a minimum certain criteria car then only they will entitle you for the allowance)

I don't mean like very high. Sometimes some just 1-2x above the fresh to motivate the lower ranking staff to perform. Of course there are other MNCs which have it be it in entry level. For higher level some getting ~2K for the car allowance - so can easily get a 3 series or C Class.

I was not a high level staff and still got my loan subsidy for both housing loan & car loan (only condition is to prove you have a loan)

Those higher rank in the company got even more luxurious ones, meaning higher amount of money in form of allowance (but the condition is for eg. you cannot drive a Proton Saga you must drive a minimum certain criteria car then only they will entitle you for the allowance)

I got no subsidy for loan. Usually only those working in the banks get those perks.

Ramjade did mention that not all his trades are profitable as he did say he kena exercised before. Rare but still kena.
mtm will definitely swing; it’s just that he views his strategy as long-term profitable.

your friend's portfolio is performing great... looks like he didn’t cut exposure in April and managed to ride the big rally all the way till now.

eh eh...cannot cannot... don’t encourage the likes of RamJade to go fire... how are business owners supposed to score cheap labour?
Whenever someone succeed, spin tonnes of negative narratives to shame them. It’s never the firm’s fault, it’s always the employee too stupid.  lol   

now in MNC a fresh grad rate is like RM4,000 some even more

and you're telling me you are uni grad & have multiple years of experience working in Klang Valley but only RM5,000, and only 30s

even me not in KV with limited number of MNC even I don't go approach also headhunter will call what

so it definately raise questions, not to shame or say him stupid

unless you're stuck in a non value added job or refuse to take a step further, I don't blame such person but come on then don't push the blame to company for not paying more

I didn't say I am in MNC. So like I said my salary is capped and there is nothing I can do about it. You have to accept it that not everyone can climb the corporate ladder.

Did I say you're in a MNC? I put that as a reference for a FRESH

And like I said it definately raise questions why is it capped

Either you refuse to grow, attitude problem, or simply you are contented with your job

But again, not saying you're wrong by not wanting to climb. But don't blame boss for "capping" your salary

No such thing as I want to stay in comfort zone but I want more money

Up to you if you don't want to believe me that my salary is capped no matter what I do.

I don't bother about salary anymore as investment is easier and less stressful than my job. Take the path of least resistance.

LOL well no wonder your salary is capped

Like I said

It's not the boss. It the nature of the job and industry where salary is capped no matter if you jump ship to another company. There is no way to move up unless you want to take up management job by taking an MBA.

As long as you got no MBA yeah your salary is capped. But do I want to take up management and be a bureaucrat? Nope.

Yeah then don't complain it is the boss that not paying

It is you wanting to stay at comfort zone

And wrong again

You sure must have an MBA for a Management position? Even those in my MNC co without MBA can be Senior Director

ok... now I know why you're capped
Broaden your mindddddddddd

It's true. In my industry you need MBA. If not you are stuck. If you got no MBA, nobody wants you.

well it was your own choice nobody forced you to enter that industry right

too bad for you then

:grin:

Congrats. Are you the one who consistently contribute to EPF so that you can achieve FIRE?

You play with what cards you are dealt with.

That's why I focus on investment. Because in investment I got no capped. The capped is only by the market returns (which I cannot control) and my portfolio value (which I can control somewhat)

now in MNC a fresh grad rate is like RM4,000 some even more

and you're telling me you are uni grad & have multiple years of experience working in Klang Valley but only RM5,000, and only 30s

even me not in KV with limited number of MNC even I don't go approach also headhunter will call what

so it definately raise questions, not to shame or say him stupid

unless you're stuck in a non value added job or refuse to take a step further, I don't blame such person but come on then don't push the blame to company for not paying more

Everything you said is fair and reasonable… but that doesn’t make his venting wrong either. His experience is his experience, and that’s valid to him.

Honestly, there must be a ton of reasons why the median salary in Malaysia is still around RM3K in 2025. I’ve been baffled about it myself since the day I started working here. Water flows via the path of least resistance, rite?
Ramjade found something that works and stuck with it, and that’s the smart way to go.

When you compare 5K active income against passive income that’s 2–3x bigger, obviously passive is easier. But the real question is: would it be easier to push active income from RM5K to RM15K, or to keep doubling down on passive?

Anyway, this is a FIRE thread. His journey is pretty inspirational in this context, and credit to him for being open enough to share.
If he’d asked about career paths in a career thread, my advice would’ve been more career-focused

Well from the beginning I mentioned it is not wrong wanting to be staying in comfort zone

But don't hope getting paid something lucrative if only want to do this and nothing more. That was what my message all about

And that is also why MY is stuck at low income because majority of the job nature doesn't involve high value add, mainly manufacturing from step A to step Z

Well yes this is FIRE thread, career and salary is also playing a part in the journey of FIRE

No salary to begin with unless got windfall + Daddykasi otherwise FIRE on what basis? :grin: