I live by the code that to FIRE you must practice delayed gratification. Not doing delayed gratification is not the traditional way of FIRE. Feet to the pedal, nose to the grinder. Do not let go until you are FAT FIRE. That's how the OG FIRERs do it. If they can do it, why I am being weak and not able to have no life for a while? Is it that hard to continue having no life when you are already having no life?

This post has been edited by Ramjade: Oct 2 2025, 08:13 AM

When you are already at the bottom, there isn't any other way but up.
All the best bro

do what you must... but do take off to smell the roses... dont make your FIRE a hallowed victory... as the saying goes, the journey is often more important than the destination...

bad school bad teacher bad job bad bosses quite likely contributed to your 'obsession' with lean FIRE... recognize that some things are time sensitive and should not be delayed...

There’s really no right or wrong in life. The only the choice of not living with regrets.

Have you heard the story?
A person on a bicycle admires someone driving a Proton.
The Proton driver admires a Honda.
The Honda driver admires a BMW.
The BMW driver admires a Ferrari.
The Ferrari driver admires someone with a private plane.

But then, the person with the private plane admires the one on the bicycle. Why?

Because the bigger the income, the bigger the responsibility. The bigger the lifestyle, the bigger the stress. Managing a big business is never a one-man show, it means managing large teams, solving endless problems, and sacrificing not just energy but also precious family time.

I once met a family member earning only 30K per annum, with a housewife spouse and five kids. Yet they lived happily. I asked him why. He told me: “Every night we have dinner together, even if it’s simple. We go out as a family, even if it’s just free activities like swimming at the community pool, playing badminton at the public court, jogging at the park, or a football kick-about at the open field. What matters is we spend time together.”

So in the end, what really matters is not how “hard” we push, but whether we can look back and say: I lived without regrets, and I cherished the people and moments that truly mattered.

This post has been edited by furuku89: Oct 2 2025, 11:55 AM

https://says.com/my/news/japanese-man-regrets-frugal-life

https://youtu.be/C06NXQ0ir3Q?si=BDCdOayLPY0BVGcW

Singaporeans claim they need 1.4 usd to retire... ie around 6M rm

here, so many claim we need 5M rm in epf to retire... lol

did SG underestimate or we here overestimate?

Due to vast differences in standards and cost of living I guess

As in our standard is higher than SG?
Cos I think our cost is lower right?

Maybe mismatch understanding on what is retirement.

What if the family member actually earns RM300k per anum and only spends RM30k for himself and family? Good or bad?

I really think that is really rare... I can only think of bro Ramjade and some old fire bloggers from 2000s and 2010s.

saving 22.5k pm, while 2500 pm for living expenses for 7 people.

What will that 2500 be spend on and what would be missed out?
.

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?

Does this include loans and all? Or just general living expenses?

If you look at it RM5m and USD1.4m is difference of around RM1m difference. So I will say yeah figure is around there. Maybe Singaporean just want a fatter buffer than us. 😂

This post has been edited by Ramjade: Oct 3 2025, 08:41 PM

Yeah at least you know it's the simple thing in life that can joy. No need canggih high tech or overseas holiday. Also yes FIRE Is about buying back your time.

Need to see why are they like that. Maybe FIRE journey not reach yet (like me). If reach, can ease off. If haven't reach I am fully supportive of living like that as that is what I am doing more or less.

Maybe want to send all the kids overseas hence can't spend right now.

I am sure already debt free.

No...no not like that.


It's because they ' kiasu'.....

many here also start to learn from the sinkaporian
everday checking the numbers

No need to check everyday. Won't change much. Check everyday only if you want to buy things. Unless too free and too obsessed with money.

I just glance at them for around 5m/day. Go though my watchlist and see if any thing is on sale

Really can buy back time ? Ask all the seniors whether it is possible ? All the other things we done and all the things we done wrongly can also reset ?