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 FI/RE - Financial Independence / Retire Early

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coolguy_0925
post Sep 23 2025, 08:29 PM

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QUOTE(Hansel @ Sep 23 2025, 08:21 PM)
Yeah… don’t skimp….yolo… jammed now on an Italian highway…
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eh want to expect no jam then autobahn is the wiser choice (I know not ITA tho) grin.gif

that being said, I didn't notice anyone really drive fast there altho it is famous for no speed limit
coolguy_0925
post Sep 23 2025, 08:31 PM

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QUOTE(Wedchar2912 @ Sep 23 2025, 08:28 PM)
I am curious... if you can share... your ex-boss's salary is how much? and if he has a mba (local or overseas or local-twinning type)...
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I am more curious what kind of dead end industry that is but that will always remain as a mystery
Ramjade
post Sep 23 2025, 08:37 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 08:26 PM)
well not interested with all your guru story

on your workforce story it is rather obvious already what is the cause

hoping employer to be appreciative? lol

it is just a binding contract, they paid you salary dude what not appreciative? lol
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It's not guru as I didn't pay them anything and they provided their life journey for free.

There are good employers. But don't expect that in Malaysia. Lol.

I know Costco is one one them. They pay you higher wage than the minimum wage. They cover your kids education, your healthcare,give you housing

Another one is ODFL. Both of them have the lowest turnover rate in the industry. When you treat people nicely, people won't leave.

That's why I invest into 2 of them.

QUOTE(coolguy_0925 @ Sep 23 2025, 08:27 PM)
then you have a boss who can't think out of the box stuck in the same place same SME same paygrade forever

even demotivating the subordinate to be contented lol
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She's a paper. Don't really have power

QUOTE(Wedchar2912 @ Sep 23 2025, 08:28 PM)
I am curious... if you can share... your ex-boss's salary is how much? and if he has a mba (local or overseas or local-twinning type)...
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Definitely have MBA. Told me if you want to climb corporate ladder in our industry you need MBA to go into management.

Salary don't know leh. I dont ask my superior salary

This post has been edited by Ramjade: Sep 23 2025, 08:37 PM
Wedchar2912
post Sep 23 2025, 08:37 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 08:31 PM)
I am more curious what kind of dead end industry that is but that will always remain as a mystery
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i also a bit curious, but he has been uncomfortable to share.... hence no point asking...
Wedchar2912
post Sep 23 2025, 08:39 PM

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QUOTE(Ramjade @ Sep 23 2025, 08:37 PM)
...

Definitely have MBA. Told me if you want to climb corporate ladder in our industry you need MBA to go into management.

Salary don't know leh. I dont ask my superior salary
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guestimate? reason I ask is cos if say with an MBA the new cap is 30K rm pm, then u can consider getting an MBA...

but if your boss, whom you said have an MBA, is only getting paid 10K rm pm, then ..... cry.gif
Ramjade
post Sep 23 2025, 08:41 PM

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QUOTE(Wedchar2912 @ Sep 23 2025, 08:39 PM)
guestimate? reason I ask is cos if say with an MBA the new cap is 30K rm pm, then u can consider getting an MBA...

but if your boss, whom you said have an MBA, is only getting paid 10K rm pm, then .....  cry.gif
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Boss definitely RM30k cause director.
coolguy_0925
post Sep 23 2025, 08:42 PM

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QUOTE(Ramjade @ Sep 23 2025, 08:37 PM)
It's not guru as I didn't pay them anything and they provided their life journey for free.

There are good employers. But don't expect that in Malaysia. Lol.

I know Costco is one one them. They pay you higher wage than the minimum wage. They cover your kids education, you healthcare.

Another one is ODFL. Both of them have the lowest turnover rate in the industry. When you treat people nicely, people won't leave.

That's why I invest into 2 of them.
She's a paper. Don't really have power
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Whatever la ou want read go read none of them interest me

That is why you got a useless superior and you believed what she said lol

Once one of my director told me off bys aying we are not frontliner don't expect pay as those running the operation

Immediately I know I won't go far under such boss

Jumped to another co, huge payrise, boss got me extra from what HR offered, made my life easy for all my travel and mobile allowance (no need receipt) and ensure I got my bonus even just joined for few months

And it is in Malaysia

No perfect company, but only you have yourself to blame to not look out for better one

But it is just too naive to say no good company in Malaysia because 2 of my companies worked for sucks grin.gif
Ramjade
post Sep 23 2025, 08:59 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 08:42 PM)
Whatever la ou want read go read none of them interest me

That is why you got a useless superior and you believed what she said lol

Once one of my director told me off bys aying we are not frontliner don't expect pay as those running the operation

Immediately I know I won't go far under such boss

Jumped to another co, huge payrise, boss got me extra from what HR offered, made my life easy for all my travel and mobile allowance (no need receipt) and ensure I got my bonus even just joined for few months

And it is in Malaysia

No perfect company, but only you have yourself to blame to not look out for better one

But it is just too naive to say no good company in Malaysia because 2 of my companies worked for sucks :grin:
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Thank you for contributing the country. As ASSI said the more you earn the more income tax you pay. I want to be unemployed so I do not need to pay tax to the govt.

After seeing the way govt treat the M40 and T20 with so much tax and increase cost of living sorry la.


coolguy_0925
post Sep 23 2025, 09:03 PM

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QUOTE(Ramjade @ Sep 23 2025, 08:59 PM)
Thank you for contributing the country. As ASSI said the more you earn the more income tax you pay. I want to be unemployed so I do not need to pay tax to the govt.

After seeing the way govt treat the M40 and T20 with so much tax and increase cost of living sorry la.
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Despite paying more tax than you in my working years I also get to enjoy it when I am FIRED now (hospital, petrol, TNB)

Maybe I should thank you instead as you are still contributing to the system now, while I am currently enjoying without contributing already grin.gif

This post has been edited by coolguy_0925: Sep 23 2025, 09:06 PM
Ramjade
post Sep 23 2025, 09:25 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 09:03 PM)
Despite paying more tax than you in my working years I also get to enjoy it when I am FIRED now (hospital, petrol, TNB)

Maybe I should thank you instead as you are still contributing to the system now, while I am currently enjoying without contributing already :grin:
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I can walk away anytime too. Just that my contribution is peanuts.
coolguy_0925
post Sep 23 2025, 09:29 PM

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QUOTE(Ramjade @ Sep 23 2025, 09:25 PM)
I can walk away anytime too. Just that my contribution is peanuts.
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Doesn't matter the fact is you're still contributing while me enjoying your tax money fully FIRE-ed grin.gif
Ramjade
post Sep 23 2025, 10:03 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 09:29 PM)
Doesn't matter the fact is you're still contributing while me enjoying your tax money fully FIRE-ed :grin:
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As long as you FIRE and you are happy, then ok. Can't wait for my turn.

This post has been edited by Ramjade: Sep 23 2025, 10:04 PM
coolguy_0925
post Sep 23 2025, 10:06 PM

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QUOTE(Ramjade @ Sep 23 2025, 10:03 PM)
As long as you FIRE and you are happy, then ok. Can't wait for my turn.
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Well can't complain grin.gif
Ramjade
post Sep 23 2025, 10:14 PM

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QUOTE(coolguy_0925 @ Sep 23 2025, 10:06 PM)
Well can't complain :grin:
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I have lived the FIRE life as I am already LEAN FIRE. So I know the life. Aiming for FAT FIRE.
guy3288
post Sep 23 2025, 11:02 PM

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wow past so many posts are all about shaming . i think


on your workforce story it is rather obvious already what is the cause..the cause is you the employee?

then you have a boss who can't think out of the box stuck in the same place

That is why you got a useless superior and you believed what she said lol

No perfect company, but only you have yourself to blame to not look out for better one

But it is just you too naive


rather condescending too and where is that moral gate keeper?
QUOTE(Wedchar2912 @ Sep 22 2025, 12:11 PM)

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  whistling.gif  brows.gif
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turn a blind eye i see...
QUOTE(Wedchar2912 @ Sep 22 2025, 10:19 PM)
Everything you said is fair and reasonable…
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cakap tak serupa bikin
Ramjade
post Sep 23 2025, 11:14 PM

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QUOTE(guy3288 @ Sep 23 2025, 11:02 PM)
wow past so many posts are all about shaming . i think
on your workforce story it is rather obvious already what is the cause..the cause is you the employee?

then you have a boss who can't think out of the box stuck in the same place

That is why you got a useless superior and you believed what she said lol

No perfect company, but only you have yourself to blame to not look out for better one

But it is just you too naive
rather condescending too and where is that moral gate keeper?
turn a blind eye i see...
cakap tak serupa bikin
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Er I maybe stupid or maybe you don't believe what I said. But that's the truth in Malaysia. In Malaysia our industry not much demand and very narrow area to move up.

She useless or not I don't know. Couldn't care less as she was my ex boss.

I cannot control my pay so the only stuff that I have control is my investment choice.

This post has been edited by Ramjade: Sep 23 2025, 11:15 PM
coolguy_0925
post Sep 23 2025, 11:17 PM

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QUOTE(Ramjade @ Sep 23 2025, 10:14 PM)
I have lived the FIRE life as I am already LEAN FIRE. So I know the life. Aiming for FAT FIRE.
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Whatever in the front is just a definition for me

As long as no problem sustaining lifestyle and own whatever we want reasonably that's FIRE
guy3288
post Sep 23 2025, 11:34 PM

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QUOTE(Ramjade @ Sep 23 2025, 11:14 PM)
Er I maybe stupid or maybe you don't believe what I said. But that's the truth in Malaysia. In Malaysia our industry not much demand and very narrow area to move up.

She useless or not I don't know. Couldn't care less as she was my ex boss.

I cannot control my pay so the only stuff that I have control is my investment choice.
*
QUOTE(Ramjade @ Sep 23 2025, 11:14 PM)
Er I maybe stupid or maybe you don't believe what I said. But that's the truth in Malaysia. In Malaysia our industry not much demand and very narrow area to move up.

She useless or not I don't know. Couldn't care less as she was my ex boss.

I cannot control my pay so the only stuff that I have control is my investment choice.
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bro you were at the receiving end you dont know

what ever you tried to present he whitewash you
didnt care, didnt believe your sifu
cant be trusted their preaches nonsense

very condescending
looking down on you
repeatedly said he is better

isnt that clear example of shaming

and where is that self appointed moral gate keeper?
worse he said
oh what he said is fair and reasonable !
Ramjade
post Sep 23 2025, 11:52 PM

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QUOTE(guy3288 @ Sep 23 2025, 11:34 PM)
bro you were at the receiving end you  dont know

what ever you tried to present he whitewash you
didnt care, didnt believe your sifu
cant be trusted their preaches  nonsense

very condescending
looking down on you
repeatedly said he is better 

isnt that clear example of shaming

and where is that self appointed  moral gate keeper?
worse he said
oh what he said is fair and reasonable !
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I got no sifu for job. I just take what is available for me. I got lots of sifu for investing which helps a lot. If not for my investing sifus I won't be here today.

So many people don't believe me, look down on me, don't care la. As Chinese saying (I think) as long as you know you are honest and do the right thing and do no harm, don't care.

People may doubt you, look down at you. As long as you are on the right path that is all that matters. After all the only people who should care about your money is your own self.

This post has been edited by Ramjade: Sep 24 2025, 12:53 AM
MGM
post Sep 24 2025, 12:25 AM

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QUOTE(Ramjade @ Sep 23 2025, 11:52 PM)
I got no sifu for job. I just take what is available for me. I got lots of sifu for investing which helps a lot. If not for my investing sifus I won't be here today.

So many people don't believe me, look down on me, don't care la. As Chinese saying (I think) as long as you know you are honest and do the right thing and do no harm, don't care.
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Yes I believe u r a very careful, cautious n successful investor, as shown by your investment performance. U have only yourself to answer, the rest r just noises. Keep it up, one day u might be doing better than many people. I am sure one day your dad will see your success n proud of your investment skill. Once u get your 1st few millions, b4 u know it your networth is enuf to last perpetually even for your children.

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