he is putting everything he can actually... but needs to build up enough cash to buy 100 shares before he can starts selling options... so answer is 2

Depend what you want to look for. Original FIRE is getting there as soon as you can. That is what I follow.
If you want FAT FIRE and as fast as possible no choice.
If you want to take your time, it is not FIRE as likely normal retirement. FIRE means retire in your 30s or late 40s max.
If retire at 50 sorry la. That is not my definition of FIRE. I am already LEAN FIRE. I am aiming for FAT FIRE.
The point are 5 things
1. Get to the finish line as soon as possible. Do not enjoy the journey. Enjoy the very long finish line with the time you bought. Imagine retiring at 30+ FAT FIRE. You got a very long road ahead while your peers all slough and work like a donkey and you just be a unemployed person. Time kena owned by the company and not your own time. I don't want my time to be owned by anyone. If you live the life without it being own by anyone you will love it. I lived that life before.
2. Get FAT FIRE. Able to go anywhere, eat anything and move to any country. Total freedom. Don't like country A, pack up your bags and move. Not restricted by your money or destination. Be a digital nomad.
3. Support my biohacking to live a long healthy life and age gracefully. No meds at 60-70 years old.
4. Imagine no need to work and money continue to come in.
5. Imagine getting 10% raise a year automatically without any KPIs to meet. Which company can increase your pay by 10%p.a into perpetuity.

Many have done it, can be done. Just be patient. Many cannot tahan the hard life so try to find excuse by having so many deviations.
Part of it.
Yup can't do that. She will freak out and leave me if I suddenly do that. She told me she don't want guys who spend like that 😂

My mum will also me if I were to spend like that.
Depends on what you want lo. I would rather retire at 45 Vs 47 or 50 just because I spend more. But that's me. If can I want 40. But have to be super conservativem
Very worth it if you have live the FIRE life before. I have done it, I can do it again on larger scale.

hope we can get clarification on this probably by some bankers.

While I'm not sure how getting loan will avoid raising red flag in LHDN, I personally don't think getting loan nor pay cash will cause the red flag. Almost every time of my big ticket item, I will get another audit from LHDN. Even the most recent my car also raising the red flag. I'm just employed and max out most of the reliefs, so almost no case for them to waste money on me. I'm not sure raising the red flag is called for audit or whether there is any other example of this.

And I think depends on which is your LHDN office only and unfortunately I use my hometown one and their officers seems to be having more time than should I change it back to where I'm working.