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 FI/RE - Financial Independence / Retire Early

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Wedchar2912
post Oct 27 2025, 01:50 PM

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QUOTE(126126 @ Oct 27 2025, 01:36 PM)
Like to travel but no place to travel to? Thats strange… 195 UN countries to visit, not easy to complete everything
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Many people think they love traveling, but often, that is not really the case.
The allure tends to fade with age... or maybe it is just that once you're no longer chained to an 8-to-6 job, the idea of rushing through airports doesn’t feel that magical anymore.
some consultants that had to fly a lot can share their experiences.
126126
post Oct 27 2025, 02:42 PM

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QUOTE(Wedchar2912 @ Oct 27 2025, 01:50 PM)
Many people think they love traveling, but often, that is not really the case.
The allure tends to fade with age... or maybe it is just that once you're no longer chained to an 8-to-6 job, the idea of rushing through airports doesn’t feel that magical anymore.
some consultants that had to fly a lot can share their experiences.
*
Then i guess these are just normal ppl who travel once in a while and not “like to travel” people?

Travel for work is totally different from travelling for leisure…
gobiomani
post Oct 27 2025, 03:28 PM

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QUOTE(126126 @ Oct 27 2025, 02:42 PM)
Then i guess these are just normal ppl who travel once in a while and not “like to travel” people?

Travel for work is totally different from travelling for leisure…
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Most people claim to love travelling but they go the same touristy places every time. They totally ignore entire continents while focusing only on a few countries they like. Travelling is a shallow hobby to do when one retires.

Most people just want to be tourists, they have no concept of cultural immersion or experiencing something the way a native would. After a while it becomes tiresome coz being a tourist is tiring.

This of course does not apply to all but most people who say they like travelling are like that from what I can see.
ltpg
post Oct 27 2025, 05:59 PM

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QUOTE(Wedchar2912 @ Oct 27 2025, 01:50 PM)
Many people think they love traveling, but often, that is not really the case.
The allure tends to fade with age... or maybe it is just that once you're no longer chained to an 8-to-6 job, the idea of rushing through airports doesn’t feel that magical anymore.
some consultants that had to fly a lot can share their experiences.
*
stamina drops as you get older. i travel a lot but recently i get tired very fast.

imagine 10 years a go , 20k steps a day for constant 10 days,

Now, 6 days, 5 days with 10-12k steps a day , and almost half dead by day 6.
Need to do more relax vacations now.


ltpg
post Oct 27 2025, 06:01 PM

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QUOTE(gobiomani @ Oct 27 2025, 03:28 PM)
Most people claim to love travelling but they go the same touristy places every time. They totally ignore entire continents while focusing only on a few countries they like. Travelling is a shallow hobby to do when one retires.

Most people just want to be tourists, they have no concept of cultural immersion or experiencing something the way a native would. After a while it becomes tiresome coz being a tourist is tiring.

This of course does not apply to all but most people who say they like travelling are like that from what I can see.
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i keep going to the same places bcse i love it. Never get bored but some places yes... get boring
Wedchar2912
post Oct 27 2025, 06:46 PM

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QUOTE(ltpg @ Oct 27 2025, 05:59 PM)
stamina drops as you get older.  i travel a lot but recently i get tired very fast.

imagine 10 years a go , 20k steps a day for constant 10 days,

Now, 6 days, 5 days with 10-12k steps a day , and almost half dead by day 6.
Need to do more relax vacations now.
*
would this be what some mean when they say they need a vacation from their vacation just to recover? icon_idea.gif biggrin.gif

justanovice
post Oct 29 2025, 08:07 AM

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QUOTE(MUM @ Oct 25 2025, 05:49 PM)
Just saw this in YT.

https://youtu.be/qCagXXSpjP4?si=jiWoev3QYnWuHL6h

Early retirement looks easy — until you’re actually living it.
When I left corporate life at 47, I thought it would be simple. Seven months later, I’ve realised it’s peaceful and fulfilling — but also more complex than I ever expected.

In this video, I share what I’ve learned through the four phases of retirement — from the honeymoon stage of freedom, to adjusting to a new rhythm, to finding meaning and purpose through Ikigai Living SG.
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I got pushed this video too. Seems we have similar interests in lyn and yt 🤣

Well , after FIRE is not easy but at least she reached FIRE. Good problem to deal with

This post has been edited by justanovice: Oct 29 2025, 08:10 AM
ltpg
post Oct 29 2025, 08:37 AM

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QUOTE(Wedchar2912 @ Oct 27 2025, 06:46 PM)
would this be what some mean when they say they need a vacation from their vacation just to recover?  icon_idea.gif  biggrin.gif
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i realised i never took a relaxing vacation. all are full of cardio /hiking/walking activities, visiting ancient ruins, temples, caves.

have to cut down by half due to age n stamina. hopefully can plan next trip on relax mode.
ltpg
post Oct 29 2025, 08:45 AM

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QUOTE(justanovice @ Oct 29 2025, 08:07 AM)
I got pushed this video too. Seems we have similar interests in lyn and yt 🤣

Well , after FIRE is not easy but at least she reached FIRE. Good problem to deal with
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she dont have kids?

when you have kids, its different. Money could not be the issue but time and commitments added with stress need to be considered . With kids , worse if you got them late, better slow down /try to FIRE by (47-50)
Spend more time with them and basically all time will be gone for them.

Some ppl say nothing to do, get dementia after fire, -;maybe if no kids... but with kids, you will never have time .

prophetjul
post Oct 29 2025, 09:57 AM

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QUOTE(gobiomani @ Oct 27 2025, 03:28 PM)
Most people claim to love travelling but they go the same touristy places every time. They totally ignore entire continents while focusing only on a few countries they like. Travelling is a shallow hobby to do when one retires.

Most people just want to be tourists, they have no concept of cultural immersion or experiencing something the way a native would. After a while it becomes tiresome coz being a tourist is tiring.

This of course does not apply to all but most people who say they like travelling are like that from what I can see.
*
Holier than thou preaching.
Each to his/her own.

i like travelling to visit my friends and family overseas and just chill. Is that for everyone? Nope.

Each to his/her own.

jasontoh
post Oct 29 2025, 10:54 AM

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QUOTE(prophetjul @ Oct 29 2025, 09:57 AM)
Holier than thou preaching.
Each to his/her own.

i like travelling to visit my friends and family overseas and just chill. Is that for everyone? Nope.

Each to his/her own.
*
Yea, same here. Although I don't claim to love traveling, in fact I don't really like it, just go for the sake of family trip
prophetjul
post Oct 29 2025, 11:00 AM

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QUOTE(jasontoh @ Oct 29 2025, 10:54 AM)
Yea, same here. Although I don't claim to love traveling, in fact I don't really like it, just go for the sake of family trip
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It's good reason enough to accompany your family to do what they like. Well DONE! thumbup.gif
BboyDora
post Oct 29 2025, 11:06 AM

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QUOTE(jasontoh @ Oct 29 2025, 10:54 AM)
Yea, same here. Although I don't claim to love traveling, in fact I don't really like it, just go for the sake of family trip
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Yes. well said. it's not about the travelling or the place you enjoy. It's who you want to spend time with and creating the memories together with.

prophetjul
post Oct 29 2025, 11:07 AM

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QUOTE(BboyDora @ Oct 29 2025, 11:06 AM)
Yes. well said.  it's not about the travelling or the place you enjoy. It's who you want to spend time with and creating the memories together with.
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TOO TRUE! Nicely put that. thumbup.gif
bombacat
post Oct 29 2025, 02:14 PM

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QUOTE(gobiomani @ Oct 27 2025, 03:28 PM)
Most people claim to love travelling but they go the same touristy places every time. They totally ignore entire continents while focusing only on a few countries they like. Travelling is a shallow hobby to do when one retires.

Most people just want to be tourists, they have no concept of cultural immersion or experiencing something the way a native would. After a while it becomes tiresome coz being a tourist is tiring.

This of course does not apply to all but most people who say they like travelling are like that from what I can see.
*
Or, maybe just let people enjoy how they want to enjoy?

We are gatekeeping travelling now? doh.gif
gamenoob
post Oct 29 2025, 02:38 PM

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Actually to retire electively instead of being forced out at 60, it's something one need to prepare and plan for...mentally beyond just financially.

I took a break with no intention to back to work after I hit 56 as preparation to retire early. Bought my self a weekend open top car and start to mod and enjoy the car bromance community. Dusted off the PS5 and playing the games.

2 months later I started to feel bored out of fix routine, and by 3rd month, I'm back to the grind working at another corporate. Still making same pay but I decided to take it one step at a time as I can walk away at any time and no longer subjected to the shackle of employment salary.

3 months into post retirement new career, I do missed that few months break but I learned something. I need to plan alot more ahead for the full time retirement and walk away from it all when the time comes.

Partly because I still have the option where some MNcorporate don't mind the age but it does reduce the opportunity as one hit above 50.

So yes, for me... Going full retirement away from decades of set corporate routine does required some withdrawal process...mentally...

Nonetheless it's not that there are nothing much thing to do, the question is are you ready to embrace it when it comes electively. Unlike one being kicked out at 60 where you have no choice etc.

This post has been edited by gamenoob: Oct 29 2025, 02:49 PM
gobiomani
post Oct 29 2025, 03:04 PM

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QUOTE(prophetjul @ Oct 29 2025, 09:57 AM)
Holier than thou preaching.
Each to his/her own.

i like travelling to visit my friends and family overseas and just chill. Is that for everyone? Nope.

Each to his/her own.
*
Wow! You consider my commentary as preaching? Why? What do you think I am preaching about anyway?

You do you, I don't give two shits about what you do. I just gave a commentary about human behaviour, if you terasa coz you identify with what I said, then please ignore but no need to accuse people of preaching when nothing is preached.
gobiomani
post Oct 29 2025, 03:05 PM

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QUOTE(bombacat @ Oct 29 2025, 02:14 PM)
Or, maybe just let people enjoy how they want to enjoy?

We are gatekeeping travelling now?  doh.gif
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Gatekeeping? You guys are really on the defensive, must've hit a raw nerve somewhere.
Wedchar2912
post Oct 29 2025, 03:48 PM

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I wish I had the same experience as you when I retired early more than 4 years ago. I thought maybe after a year or two, I'd get restless enough to want to go back to work. Unfortunately (or maybe fortunately?), that never happened.

I'm still very much turned off by the thought of office politics, endless meetings, and other usual nonsense... the joys of solving actual business problems could not override.
Of course, there’s always a number that could tempt anyone back. My friends joked that my pupils dilated when they mentioned RM200K a month... that's what people mean by FU retirement money, I guess. (Not that I’m delusional... no one's paying RM200K a month in Malaysia unless we suddenly become the 51st state of the US.)

But jokes aside, your point about being mentally and financially ready for retirement is spot on. Better be ready than being forced into retirement, early or official. With AI, automation, and the younger crowd moving up fast, waiting till 60 or 65 to figure it out is just too late.



QUOTE(gamenoob @ Oct 29 2025, 02:38 PM)
Actually to retire electively instead of being forced out at 60, it's something one need to prepare and plan for...mentally beyond just financially.

I took a break with no intention to back to work after I hit 56 as preparation to retire early. Bought my self a weekend open top car and start to mod and enjoy the car bromance community. Dusted off the PS5 and playing the games.

2 months later I started to feel bored out of fix routine, and by 3rd month, I'm back to the grind working at another corporate. Still making same pay but I decided to take it one step at a time as I can walk away at any time and no longer subjected to the shackle of employment salary.

3 months into post retirement new career, I do missed that few months break but I learned something. I need to plan alot more ahead for the full time retirement and walk away from it all when the time comes.

Partly because I still have the option where some MNcorporate don't mind the age but it does reduce the opportunity as one hit above 50.

So yes, for me... Going full retirement away from decades of set corporate routine does required some withdrawal process...mentally...

Nonetheless it's not that there are nothing much thing to do, the question is are you ready to embrace it when it comes electively. Unlike one being kicked out at 60 where you have no choice etc.
*
Ramjade
post Oct 29 2025, 04:24 PM

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QUOTE(Wedchar2912 @ Oct 29 2025, 03:48 PM)
I wish I had the same experience as you when I retired early more than 4 years ago. I thought maybe after a year or two, I'd get restless enough to want to go back to work. Unfortunately (or maybe fortunately?), that never happened.

I'm still very much turned off by the thought of office politics, endless meetings, and other usual nonsense... the joys of solving actual business problems could not override.
Of course, there’s always a number that could tempt anyone back. My friends joked that my pupils dilated when they mentioned RM200K a month... that's what people mean by FU retirement money, I guess.  (Not that I’m delusional... no one's paying RM200K a month in Malaysia unless we suddenly become the 51st state of the US.)

But jokes aside, your point about being mentally and financially ready for retirement is spot on. Better be ready than being forced into retirement, early or official. With AI, automation, and the younger crowd moving up fast, waiting till 60 or 65 to figure it out is just too late.
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Sorry la. I am not paid well enough for stupid company KPIs. Maybe if they pay me more and give me more leaves (like europan countries) maybe I will be fine to continue working.

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