Come I share with you. Wake up maybe 7am, make some cold brew green tea, go for walks, or go marketing. Strength training. Very important for old people. Planks, pull up, squads.
Then maybe sip some green tea after coming back from walks. Prepare more cold brew green tea for the rest of the day.
Do cooking.
Do gardening to get some 10-11am sunlight
Do home made soap in small batches to sell
Lunch time
Walk after meal for around 1H. Very important.
Nap time.
Do what you want after waking up. Read books, play video game, play with dogs, prepare for evening gardening. The time is yours. You earned it. No bosses. Maybe mister or misses to answer to only 😛
Sleep around 9-10pm

Last time yes. Nowadays I think slightly less good. You can see lots of other country offer better perks.

This post has been edited by Ramjade: Oct 6 2025, 10:40 PM

Do you FIRE because you wanted to or because of some circumstances? If without those circumstances will you still FIRE or continue to work?


Was wondering as well. Sometimes I try to clear AL I also not sure what to do with the extra hours away from work

This post has been edited by jasontoh: Oct 7 2025, 08:55 AM

the dreams of having endless free time till no idea what to do with it?

the art of proving you had enough money

when work to them is all about making money only.....how boring

I actually planned my FIRE long before I even knew the term existed... back in school days, thanks to a few of my profs. Long story short, it’s really just the trinity of [energy, time, and wealth], tied neatly to the life cycle hypothesis of savings vs consumption. The “FIRE” label only gotten popular in 2010s thereabout thanks to bloggers.

As for the extra hours... pretty much anything I want, within the usual family boundaries (you know what I mean ). It’s like having a bigger fridge now... the essentials are always there, but there is space to fill it however I like (within reason, of course). And like every fridge, it will end up full anyway.

The one thing I can truly stick to now is exercising... maybe this is what it means to convert energy + time → wealth… and in this case, health is the real wealth.

RamJade bro, yeah, maybe can add health into the mix and call it a Quaternity

I first started this thread exactly 4 years ago. I am 50 already. i spend most of my times with my child and doing volunteering work.

I am actually quite happy my financials (this I have to thanks everyone here for contributing ideas and suggestions)

My financials is more than RM6 million now, I have no loan or mortgage. What I have been doing for the past 4 years is :
- minus amount of my FD, 30% of my portfolio
- only hold dividend paying and blue chips in KLSE (Maybank, Tenaga, RHB, IGBreit, PavReit)
- bought 3 SG banks and 3 reits in SGX
- bought gold (physical and etf), today is 10% of my portfolio

Again, Thank you everyone here

This post has been edited by frostfrench: Oct 7 2025, 02:57 PM

Why FD n not ASMx & EPF? 2% diff of 2mil is a lot.

I just did my max self contribute to EPF for the past years, for the ASMs, I did have few, as you know, is quite hard to get now

This post has been edited by frostfrench: Oct 7 2025, 03:14 PM

So within 4 years get additional 1M even though FIRE?

This is the result of a Fire plan well executed. 20% growth in aum despite no active income.

Why not , esp TS invested in gold n SGbanks.
Once u reach >5mil, not difficult to add 1 mil every few years even on FIRE, esp if expense is only a couple of %.

I heard about it because I was reading up on dividend investing. Came across Mr tako escape and Jason fieber. I didn't come across Mr money moustache. Or else my style would be very different today.

Wow TS. Congrats. Happy FIRE. Enjoyed the time you have earned. Wish me all the best.

This post has been edited by Ramjade: Oct 7 2025, 05:53 PM

Many saying they don't know what to do after FIRED or after stop working.

When i first heard about this i was so shocked. Nothing to do? How can that be? Whole life only concentrate on working, without any hobby?

As a person growing up playing video game since 4-5 years old, like to watch comics / anime, interested on Virtual Reality / Mixed Reality, soon will be testing 3d printing and scanning, like to yum char with friends, like to collecting lots of high quality items (example this is one of the collectible's type i like : https://www.youtube.com/watch?v=2fFGFi7H9d0), occasionally coding (now coding is easier, tell AI what you want, you can create some APP easily, exploring AI (this is freaking interesting. People say AI will replace your Job, NO, you will only be replaced if you refuse to learn AI to assist your job), etc.

Now i am not shocked anymore as i know lots of people really no hobby. But people also needs to understand that many people have hobbies and these people will not let their brains stop working after fired/retired. Retired = die faster not applied to these people with hobbies.

Yes that's correct. As long as you are not ideal, you will be fine.

Yes that's is right. Their sole purpose is to work only. They don't know what to do other then work.

This post has been edited by Ramjade: Oct 8 2025, 09:08 AM

My in laws has a hobby of collecting stamps, sea shells and cooking.
At 80 yrs old, he still likes to cook and invites his grand children over for food.
I felt abit sad for him as no children and grand children of his would want to take over his stamps and sea shells collection. For the past few years during CNY gatherings, he would reminiscing about those stamps and sea shells and the places where he got them.
Too bad for him, no one in attendance shows interest in it.
I once told him to sell them of in the net, but was told that "emotional and sentimentals attachments" are worth more than money....especially when he had enough.

This applied to businesses too. I had 3 timsum kaki each operating small businesses that had provided food for their families. Motor mechanic, electrician and small coffeeshop.
None of their childrens or grand childrens wanted to take over their trades.

Just remembered, .... yesterday while sourcing for mattress, I overheard the shop owner talking with his friend/relative.
He said, his son who is a recently qualified Doctor had resigned due to low pay, stresses and bad treatments received during housemanship and is about to take over his business.
His friend/relative said, "wow, the amount of money spend on becoming a Doctor all wasted". He replied, "when the child has the capability to study, we as parents that has the financial means would definitely support their education to the very end. Too bad, he did not gain positive sentiments or experience while on way to become a Doctor. But the silver lining is now I know my hard lifetime build business now will have a Doctor to take over."

(Disclaimer: the above overheard are "not exact 100% word for word, but the narratives are exact)


This post has been edited by MUM: Oct 8 2025, 08:09 AM

Malaysia is still very short of doctors
and doctors dont want to be doctors
forced to be car mechanic?
something is seriously wrong there

1.person ?
2. society?
3. health system?

society and system we cant change much...

the person should bear the brunt.

another wrong person
in the wrong job.........suffering suffering
both for his parents and himself...also for the society

No need to feel sad for him. As a collector myself, i feel satisfied admiring / looking at the collections / arts, what other think about my collections are not important. I also don't care about what my houses and collection would become after i leave this world. I told my wife she can sell them, throw them, or contact my friends who are also collecting and gift my collection to them.

If he the kind of want to get satisfaction / attraction by showing off his collection, he should collect luxury items, even if people don't like the items, they would be interested / amazed by the prices


"emotional and sentimentals attachments" are worth more than money <--- Yes.

I think this only apply to those work so hard until there is no time to do something that they like. Like I like to play video games, I'm also doing (console/phone) that after work - and I don't go like hours playing games, so a day maybe login to my PoGo to do some task, take down gym to earn some coins, play MLBB, turn on my Switch for a match FIFA etc. If I have time before sleep, I watch some series on Netflix/Prime/TvbAnywhere. Sometimes I work on some coding (now lesser due to not doing much of a freelance). I've been doing this even though I'm working. Yum cha also depends whether others are free, although I have no issue cafe hop myself. Of course I can still pick up some new skills should I FIRE, but occasionally I do question myself what I'm going to do with those free time.

I've been wanting to FIRE since young I was young thinking if put 1M to FD already get 100K, and at that time even 1K seems a lot. This is the reason why my initial investment strategy was more towards high DY counters. I have yet to reach my FIRE goal though since I'm looking to draw from EPF dividend only when I retire.

Personally i do not have problem occupying my free time. Altho already mid of 40, i am still gaming 2-8 hours per day. When there is new game out, if it is my cup of team, i could even play 6-16 hours a day. In certain situation i apply leave and sit in-front of the PC play from morning until night, and i ask my wife to bungkus for me, i can be damn extreme when i am doing something i love. When i was doing coding, i could sit in-front of my PC for 12-16 hours too, now no more though.

For gaming, besides i really love it, another reason is i could keep forcing my brain to think / analyse / remember things.

My wife is a gamer too, she got a Switch and PS5 (mine is a PS5 Pro), she finished many games such as Zelda, Dragon Quest Build 1-2, etc. She has a kara-ok room and she has retired for more than 3 years now.

Same as you, i wanted to FIRE when i was young, and that time i also fully relied on EPF. Things changed a lot in recent years and i had the chance to save the money i can never imagine i could have, thus i am speeding up the FIRE faster than planned.

wow playing game for hours and hours......no time for meals also...

i used to tell my kids dont, better stop dont get addicted...
not knowing you guys are also like that.

eight hours of gaming isnt a hobby i think..
or may be yes
when hobby is becoming a job.

Hobby = something you enjoy doing it.

That 10+ hours gaming = my happy time.

That 10+ hours coding = my happy time.

That 10+ hours learning AI = my happy time.

When you are doing something you don't like, 5mins feel like very long. When you do something you like, time fly so fast.