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 FI/RE - Financial Independence / Retire Early

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Ramjade
post Dec 12 2025, 07:32 PM

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QUOTE(Cubalagi @ Dec 12 2025, 08:34 AM)
In your 80s and 90s, the money will just go to doctors.

I rather have a higher withdrawal rate in my 50s and 60s, where I can still do many more things.
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That's why start biohacking. Fast, do HITT, consume less carbs, take daily green tea, consume Mediterranean diet, 3x/week sauna, proper sleep, creatine, glycine, no process food.

If you got no money. Then fasting, sleeping, more veges, no process food. That is it.

This post has been edited by Ramjade: Dec 12 2025, 08:27 PM
magika
post Dec 12 2025, 07:54 PM

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QUOTE(Cubalagi @ Dec 12 2025, 06:34 PM)
For the minor ailments, can still go private. For the major ones, i will insist on public healthcare.

I know one guy. Last years, spent million to get medical treatment overseas. Hoping to extend a few more years of life. Didn't work.

I personally would spend the money travelling overseas while still healthy.
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Its not really gurantee to extend your life but that you can afford to try. At least got hope which will really matter in times of duress.

At what age range will we determined that we might not be healthy. So I think moderation is the key instead of gungho all the way by spending most of our funds too fast.


magika
post Dec 12 2025, 07:57 PM

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QUOTE(Ramjade @ Dec 12 2025, 07:32 PM)
That's why start biohacking. Fast, do HITT, consume less carbs, take daily green tea, consume Mediterranean diet, 3x/week sauna, proper sleep, creatinine, glycine, no process food.

If you got no money. Then fasting, sleeping, more veges, no process food. That is it.
*
" man proposes god disposes "


Ramjade
post Dec 12 2025, 08:10 PM

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QUOTE(magika @ Dec 12 2025, 07:57 PM)
" man proposes god disposes "
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Everyone will die but is whether you want to die healthy without any illness or with lots of illness.

I follow Bryan Johnson and lots of people sharing their anti aging journey.
Cubalagi
post Dec 12 2025, 10:07 PM

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QUOTE(magika @ Dec 12 2025, 07:54 PM)
Its not really gurantee to extend your life but that you can afford to try. At least got hope which will really matter  in times of duress.

At what age range will we determined that we might not be healthy. So I think moderation is the key instead of gungho all the way by spending most of our funds too fast.
*
If u read Dr Peter Atia, at about mid 70s, assuming one is alive till then, there is a "health cliff". This is where, for most people, physical and mental deterioration accelerate very fast. When this happens, a lot of activities which are normal routine a few years earlier will become hard/dangerous.

Meaning 60s will the last full decade where one can still fully enjoy life.



Cubalagi
post Yesterday, 12:09 PM

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QUOTE(Wedchar2912 @ Dec 11 2025, 04:56 PM)
I think one solution is by the time one reach 80 yo and still alive, just set the wr to 10% of whatever outstanding wealth one has (after distributing any inheritance one wish to bestow away).
If by 90 still alive, set wr to 15%.

What does everyone think of this idea?
It's a plan I think I may put in place when I reach 80... If still alive of course.
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Backtrack to this question.

As I mentioned, I am.looking at the opposite. A more higher withdrawal earlier and then cutting later.

As example, assuming full retirement at 60 yo. Then withdrawal rate could be a fixed 6% or even 6.5% for 15 years. The % being from initial capital hence is fixed over the 15 years. Meaning in real terms it will fall with inflation.

At 75, cut down the spending to half (or even a bit less) until expiry. This new number, since it is low, will.have to be adjusted for inflation over the years to maintain a minimum standard of living.

What do u think?

Nice T20 life until 75, then frugal like Ramjade till dead.

This post has been edited by Cubalagi: Yesterday, 12:11 PM
MUM
post Yesterday, 12:15 PM

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I guess after the age of 71, ...a big portion of the budget would be for the sustaining of premium of medical insurance policy.
Wedchar2912
post Yesterday, 12:33 PM

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QUOTE(Cubalagi @ Dec 13 2025, 12:09 PM)
Backtrack to this question.

As I mentioned, I am.looking at the opposite. A more higher withdrawal earlier and then cutting later.

As example, assuming full retirement at 60 yo. Then withdrawal rate could be a fixed 6% or even 6.5% for 15 years. The  % being from initial capital hence is fixed over the 15 years. Meaning in real terms it will fall with inflation.

At 75, cut down the spending to half (or even a bit less) until expiry. This new number, since it is low, will.have to be adjusted for inflation over the years to maintain a minimum standard of living.

What do u think?

Nice T20 life until 75, then frugal like Ramjade till dead.
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I like your "Nice T20 life until 75, then frugal like Ramjade till dead" sentiment/idea... nod.gif
If things go according to plan, the frugal phase is short anyway. And honestly, by that age, I think most people are perfectly happy to rest on their laurels and slow things down.

That’s roughly the kind of framework I was thinking about too — more of a sliding withdrawal rate that changes with age, instead of one fixed number forever.

Something along the lines of:
40 to 55: set wr between [3 to 4]
55 to 60: set wr between [3.5 to 4.5]
60 to 70: set wr between [4.5 to 6]
70 to 75: set wr between [6 to 8]
75 to 80: set wr between [8 to 10]
80 to 90: set wr between [10 to 10]
90 to __: set wr between [15 to 20 ] shocking.gif


The key idea is that the withdrawal rate keeps rising, but the spending budget (for that year) is always calculated as:
WR × net worth at the start of the year, and you recalc this every year.

So on paper, 10% sounds huge — but in reality it’s 10% of whatever net worth is left at, say, age 83.

And yeah… your idea also means you’ll be thinking of Ramjade when you hit 75.... sweat.gif lol

BboyDora
post Yesterday, 02:00 PM

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QUOTE(Ramjade @ Dec 12 2025, 08:10 PM)
Everyone will die but is whether you want to die healthy without any illness or with lots of illness.

I follow Bryan Johnson and lots of people sharing their anti aging journey.
*
I just follow Tun M methods...proven that 100 years old not an issue. still can walk and give talk. discipline, discipline + need lot of money/
Wedchar2912
post Yesterday, 04:49 PM

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QUOTE(BboyDora @ Dec 13 2025, 02:00 PM)
I just follow Tun M methods...proven that 100 years old not an issue. still can walk and give talk.  discipline, discipline + need lot of money/
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Ah... Diff is that atok has the resources of a whole country's healthcare system to cater to his needs... Plus the alleged 40b wealth.

He sneeze only they admit him at IJN. You difficult to get such treatment.
Ramjade
post Yesterday, 07:35 PM

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QUOTE(BboyDora @ Dec 13 2025, 02:00 PM)
I just follow Tun M methods...proven that 100 years old not an issue. still can walk and give talk.  discipline, discipline + need lot of money/
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Bryan Johnson is sharing to the world what works to slow down and even reverse aging. Very good of him to share then keeping for himself.
guy3288
post Yesterday, 08:19 PM

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QUOTE(Ramjade @ Dec 13 2025, 07:35 PM)
Bryan Johnson is sharing to the world what works to slow down and even reverse aging. Very good of him to share then keeping for himself.
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bro is this your Bryan Johnson?

Bryan Johnson, a 46-year-old American entrepreneur, founded Kernel (a brain activity recording device company), OS Fund (a venture capital firm focused on science and technology), and Braintree (a payment platform acquired by PayPal for $800 million in 2013).

However, Johnson gained media notoriety in 2021 with his ambitious Blueprint Project — an anti-aging program that integrates longevity and rejuvenation protocols related to diet, exercise, sleep, and skin, dental, and hair care, which he tested on himself and shared publicly.


---------------------------------------------
He is making alot of money from the antiaging gimmick

i wont subscribe to any of those extreme methods
far less follow all that

This post has been edited by guy3288: Yesterday, 08:39 PM


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MGM
post Yesterday, 08:37 PM

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AI Overview

Metformin, a diabetes drug, shows promise as an anti-aging agent by activating cellular cleanup (autophagy), reducing inflammation, and improving metabolic health, potentially extending lifespan and "healthspan" (healthy years) in animals and reducing age-related disease risks in humans. While early studies and monkey research are encouraging, showing reduced brain aging and better cognition, large human trials like the TAME trial are still needed to confirm its anti-aging potential for everyone, as results are mixed and potential side effects exist, but its safety profile makes it a key drug for aging research.
How it works (Potential Mechanisms)
Activates Autophagy: Promotes cellular self-cleaning to remove damaged components.
AMPK Pathway: Activates AMP-activated protein kinase (AMPK), a key energy sensor, and inhibits mTOR, a growth pathway, slowing cell proliferation.
Reduces Inflammation: Fights chronic inflammation, a hallmark of aging.
Improves Metabolism: Helps regulate energy, potentially reducing risk for cardiovascular and neurodegenerative diseases.
Evidence and Research
Animal Studies: Extended lifespan in worms (C. elegans) and mice, and slowed brain aging in monkeys.
Human Studies (Observational): Showed reduced incidence of age-related diseases (like cancer, heart disease) and lower overall mortality in diabetics and even some non-diabetics.
Clinical Trials: The TAME trial (Targeting Aging with Metformin) is a major step to test if it can delay multiple age-related diseases in non-diabetics.
Considerations
Not Approved for Anti-Aging: It's currently for diabetes; use for anti-aging is off-label and experimental.
Mixed Results: Some studies show great promise, while others highlight weaknesses in early evidence, especially in non-diabetic populations.
Side Effects: Potential issues like reduced muscle mass or vitamin B12 deficiency can occur.
Conclusion
Metformin is a leading candidate for anti-aging, but more rigorous human trials are necessary to fully understand its benefits, risks, and effectiveness in healthy individuals.
Ramjade
post Yesterday, 08:38 PM

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QUOTE(guy3288 @ Dec 13 2025, 08:19 PM)
bro is this your Bryan Johnson?

Bryan Johnson, a 46-year-old American entrepreneur, founded Kernel (a brain activity recording device company), OS Fund (a venture capital firm focused on science and technology), and Braintree (a payment platform acquired by PayPal for $800 million in 2013).

However, Johnson gained media notoriety in 2021 with his ambitious Blueprint Project — an anti-aging program that integrates longevity and rejuvenation protocols related to diet, exercise, sleep, and skin, dental, and hair care, which he tested on himself and shared publicly.
---------------------------------------------
He is making alot of money from the antiaging gimmick

i wont subscribe to any of those extreme methods
far less follow all that
*
You don't need to follow what he does 100%. Even some also good enough.
Here are
One meal a day.
First and last meal at 11am.
High quality extra virgin olive oil in all your food
Plant based diet with walnuts, macadamia, berries.
Exercise with HIIT x
Enough sleep
Right supplements.
Sauna x

I follow all of the above except the HIIT and sauna part. I walked >10k every day,do some squats, planks, weight lifting.

If I got the money, I will replicate everything he do. Cause there is a like a olympic for anti aging and I think he is top 10.

This post has been edited by Ramjade: Yesterday, 08:41 PM
guy3288
post Yesterday, 08:50 PM

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QUOTE(Ramjade @ Dec 13 2025, 07:35 PM)
Bryan Johnson is sharing to the world what works to slow down and even reverse aging. Very good of him to share then keeping for himself.
*
bro he must share lah
share it it wide and everywhere
and with your help to promote it further
add credence to his name.... biggrin.gif biggrin.gif

that is how people make money! cool2.gif cool2.gif



Longevity or Marketing Gimmick?

Dissecting the Claims of the Blueprint Protocol

he begins his day taking two iron tablets and Vitamin C. Then he applies a personalized hair serum based on his genetic testing (Available for purchase on his website at a 10% discount). He takes 54 pills, including vitamins, substances with little scientific backing, such as glucosamine, and even medications, e.g., metformin, used in treating diabetes and considered a “wonder drug” for its putative anti-aging effects. All is washed down with a drink called "The Green Giant," a mix of Chlorella powder, amino acids, creatine, collagen peptides, and cocoa flavonoids.

At the end of Johnson’s day, at 7:30 pm, he begins his nighttime routine. This includes a 10-minute walk, moments of socializing with friends, applying specific facial care products, and the consumption of 300 mcg of melatonin, the scientifically questionable sleep aid.


https://www.acsh.org/news/2025/02/10/longev...-protocol-49290

This post has been edited by guy3288: Yesterday, 09:09 PM
guy3288
post Yesterday, 08:54 PM

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QUOTE(Ramjade @ Dec 13 2025, 08:38 PM)
You don't need to follow what he does 100%. Even some also good enough.
Here are
One meal a day.
First and last meal at 11am.
High quality extra virgin olive oil in all your food
Plant based diet with walnuts, macadamia, berries.
Exercise with HIIT x
Enough sleep
Right supplements.
Sauna x

I follow all of the above except the HIIT and sauna part. I walked >10k every day,do some squats, planks, weight lifting.

If I got the money, I will replicate everything he do. Cause there is a like a olympic for anti aging and I think he is top 10.
*
he must be drooling drool.gif drool.gif
such is the lure of longevity

the dream of China Emperors for
thousands of years......and you found it today! console.gif

This post has been edited by guy3288: Yesterday, 08:59 PM
BenChiew
post Yesterday, 09:14 PM

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QUOTE(Wedchar2912 @ Dec 11 2025, 07:00 PM)
sorry, i find this story interesting and hope you don't mind I ask some question to get a bit of clarity.

he is 78 today, so he told you the story when he was 55 at retirement age?

he had 9m back in 2002 or today?
at 78, his kids also 50 thereabout now rite?
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No problem. He has the money in 2002.
He has 4 kids. 2 boys and 2 girls from 2 marriages. Both boys are airline pilots. His eldest is about mid 40s. Youngest girl is about 30ish.

He was lucky to be where he was at the right time. Circa 1967, he was one of the 20 odd pilots that got command of a plane with msa. Command meaning he is a captain. He was in his early 20s.
This was out of Singapore.
In the early 70s when msa split to MH and SIA, he made the choice to come back to KL to start MH. Naturally he had command of the plane. Throughout his career, he flew for Korean airlines at the time when one of their planes got shot down over Sakhalin Russia. That would be in the 80s.
When Airasia started, he came back as a test pilot and training pilot.

Very frugal person without much time to spend his money.
They picked him up from the house, dropped off in a hotel and subsequently dropped back to his house. Basically nothing to pay.
A lot were liquid cash or stocks.

This post has been edited by BenChiew: Yesterday, 09:20 PM
Ramjade
post Yesterday, 10:51 PM

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QUOTE(guy3288 @ Dec 13 2025, 08:50 PM)
bro he must share lah
share it  it wide and everywhere
and with your help to promote it further
add credence to  his name.... biggrin.gif  biggrin.gif

that is how people make money!  cool2.gif  cool2.gif
Longevity or Marketing Gimmick?

Dissecting the Claims of the Blueprint Protocol

he begins his day taking two iron tablets and Vitamin C. Then he applies a personalized hair serum based on his genetic testing (Available for purchase on his website at a 10% discount). He takes 54 pills, including vitamins, substances with little scientific backing, such as glucosamine, and even medications, e.g., metformin, used in treating diabetes and considered a “wonder drug” for its putative anti-aging effects. All is washed down with a drink called "The Green Giant," a mix of Chlorella powder, amino acids, creatine, collagen peptides, and cocoa flavonoids.

At the end of Johnson’s day, at 7:30 pm, he begins his nighttime routine. This includes a 10-minute walk, moments of socializing with friends, applying specific facial care products, and the consumption of 300 mcg of melatonin, the scientifically questionable sleep aid.
https://www.acsh.org/news/2025/02/10/longev...-protocol-49290
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QUOTE(guy3288 @ Dec 13 2025, 08:54 PM)
he must be  drooling drool.gif  drool.gif
such is the lure of longevity

the dream of China Emperors for
thousands of years......and you found it today! console.gif
*
Well in case you doubt him which I know you do, here are other people data. He is not the only one in this space who is actively trying to slow down aging.
https://www.rejuvenationolympics.com/dunedin-pace

You can age gracefully and be disease free or you can choose to have disease. The choice is in your hands.

This post has been edited by Ramjade: Yesterday, 10:58 PM

 

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