I agree. That's why my buffer is RM15k paid in foreign currency. Should be doable. But downside is work for 15 years more.

For me in late 40s, chances are I will work till 60. However, Im no longer chasing promotions n high salary jumps. Nowadays, I prioritize job satisfaction n work life balance.

I am in my 30s. My focus is FIRE ASAP by 45 and get a good frugal wife. I tell all girls I meet I am not well off. See if that scare them away. Lol. So far one decided to stick with me. So we see how. Lol.

I'm in my late 30s and i'm feeling the same too... not sure is this alright since long way to go before reaching old age...
I've have already tender my resignation due to heavy congestion at the highway and office politics affecting me mentally... Looking for new job nearer to my place...
Now I'm placing priority on my health...

health is the best wealth

people these days, can't sleep well

stuck in traffic jam

argue with boss

huge workload

not worth the money and time.


the one thing i want to make sure is not sacrificing my sleep due to stress or problem. sleep is very important to me.

bro, try another approach. just tell them you are rich but kiamsiap, take it or leave it.

yeah correct, health the best wealth...
sometime even u have all the wealth cant restore back your health...
i also not able to sleep nicely...
will wake up in the middle of the night once or twice...
so tiring going to work the next day...
with the heavy congestion i afraid of microsleep too...

i had microsleep once. federal highway, fastest lane.

luckily its traffic jam. AC so nice, music is soothing, suddenly the brain so calm,

next moment, bam!

luckily driver in front very nice, let me off. little bit only.

if tired, pls park somewhere to rest 30 min or so.

yeah i'm using Federal highway and fast lane too...
i keep hitting myself all the time when driving back... to stay awake lol...

drive safe

Well, that eliminates the longetivity risk when calculating FIRE numbers.

i am 60.
And i am ready to rock and roll!
All ready for retirement.
But company still requires me as a consultant.
Since i do not work in KL, work life is good.
So i will continue to contribute till i am no longer required in the professional field.

Healthwise, i can still jog 5km easy and deadlift 100kg.

I think tell them I am poor is better way.

All the best.

Usually peak salary growth will be in the 40s, n then starts to moderate in 50s. You probably have to slug it out for another 10 years, then can start to slow down.

Make sure you eat well, exercise a bit, meditate/pray and take supplements for a better sleep.

FIRE if solo doable..

Add in kids .."habis cerita"

some more.. nowadays kids all private education. that suck out more $$$

then come the uni another round of sucking $$$..

then when they come out to work.. as parents we kesian. give downpayment for car.. downpayment for their property another round of sucking $$$$

so advise to the young.. do calculate all these into the retirement planning.

FIRE is just a concept that one don't need to work actively anymore to afford one's lifestyle.

there are different levels of FIRE, as conceptually created by the FIRE communities around the world... from LEAN to Morbidly Obese FIRE version.

its a matter of aiming which level you want, even when you have kids. obese category FIRE can afford to send kids to private schools.

But most people don't focus much on one key aspect of FIRE.... is retiring at age 55 really can quality as early retirement? what about 50 years old? not many years ago, women in civil services retire at 50 (early retirement at 45).

Yeah. That's me. 😂

That's why need frugal wife. Rm15k should be enought with max 2 kids

This post has been edited by Ramjade: Dec 31 2022, 01:03 PM

You referring to 15k present value?
Best don't get married if you are too frugal.

That's why my wife must be able to accept me. If she cannot accept I am poor guy, forgot about it.

This post has been edited by Ramjade: Dec 31 2022, 01:18 PM