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 FI/RE - Financial Independence / Retire Early

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furuku89
post Oct 2 2025, 01:10 AM

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Joined: Apr 2010
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QUOTE(MUM @ Sep 29 2025, 11:31 AM)
I just read this, few minutes ago.
The actions of these Japanese men (kind of very similar to one of the forumer in here).
....He has lived an extremely frugal life for years.....saved US$440,000, and another man saved US$910,000

"A 67-year-old Japanese man ( Suzuki ) who has focused on saving money for decades, including not using an air-conditioner and shunning restaurant meals, cooked for himself and took a lunchbox to the office every day, usually containing bean sprouts and chicken.

Suzuki has lived an extremely frugal life for years.
( While someone here said he lived as B40 while earned as top M20/T20).

Suzuki was born into a poor family and started to earn money in secondary school when he worked part-time in restaurants.

The family’s leisure activity was mainly picnicking in nearby parks. If they needed to go to another place, Suzuki would choose the cheapest route, he admitted.

This money saved is a guarantee for emergency situations and my later life,” Suzuki was quoted as saying.

Suzuki is not the only person in Japan whose life revolves around the theme of austerity.

Last year, another man, 45, attracted attention for living frugally for more than 20 years before finally managing to save 135 million yen (US$910,000).

His meals consisted of a sour plum, some salted vegetables and a bowl of rice.
Sometimes dinner was just an energy drink he got using free points from convenience stores.

https://www.scmp.com/news/people-culture/ar...rets-retirement

Published: 6:00pm, 27 Sep 2025
Updated: 9:31am, 29 Sep 2025.


Moral of his story continue......
"However, not long after his retirement, his wife was diagnosed with a serious disease and died, aged 66.

“I wish my wife and I could have relished travelling more and eating in restaurants,” said Suzuki.

“But time cannot be turned back. What is the meaning of life with only money left?” he said.
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What If There’s No Tomorrow?

This question has always stayed in my mind. That’s why I choose to live fully today, enjoying the fruits of my monthly hard work. At the same time, I’ve prepared for tomorrow by maximizing my EPF contributions, building a 7-figure PRS fund for retirement, and securing comprehensive insurance coverage for my spouse, just in case the unexpected happens.

Why PRS? Because I know myself as I’m too much of a shopaholic to resist the things I want. By locking my money into PRS, I protect my future from my own spending habits.

I came from a poor family and built my current legacy through many ups and downs. Along the way, I’ve learned to say “ENOUGH” Not because the desire to upgrade is gone, that’s still inside me but because I no longer want to take unnecessary risks. Instead, I choose to spend more time with my loved ones.

Today, I drive two exotic brand cars and own a large collection of branded watches such as Rolex, Patek Philippe, and many more. Yet, I’ve come to realize that true wealth isn’t measured by cars, watches, or even how many properties you own. Real wealth is measured by the love we share with our family, the peace of mind that comes from being prepared, and the courage to live a life without regrets.

I admit, I’m more of a shopaholic than my wife. Shopping has always been both a stress reliever and a reward for my hard work. But no matter how many cars, watches or properties you own, the hunger for more never really ends. That’s why I’ve turned down many opportunities that could increase my income, knowing they would take away precious family time.

My 2 cents advice: Learn from what Suzuki went through, and live a life with no regrets.

Live today. Prepare for tomorrow. But never forget what truly matters.

QUOTE(Ramjade @ Sep 29 2025, 11:51 AM)
It helps you to prevent cancer with regular consumption of Japanese green tea, red tomatoes, high quality extra virgin olive oil, 100% cacao, daily consumption of wild blueberries, broccoli sprout extract, daily turmeric consumption (golden milk).

The food I mentioned above some of them have been shown to kill cancer stem cells, something no medicine can do.

If you are wondering, yes I do take them daily. That is the only part I do not save and I am more then happy to spend.

Everyone will die. Is whether you want to live to old age like the Japanese people or you want to die early by taking in all the poison, or die with lots of illness (poor quality of life). I choose to be able to to go for walks and workout even if I am at 70 years old.
Drive slowly at 60kmh, take train where possible.

Already up my expenses by taking those food and supplements listed above.
*
You can live healthily, but accidents are something you can’t prevent, just like what happened at the Bukit Kajang toll plaza.

If anything happens, at least you’ve truly YOLO-ed all the way and lived each day to the fullest.


This post has been edited by furuku89: Oct 2 2025, 01:33 AM
furuku89
post Oct 2 2025, 11:48 AM

Getting Started
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Junior Member
172 posts

Joined: Apr 2010
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QUOTE(Ramjade @ Oct 2 2025, 06:56 AM)
I live by the code that to FIRE you must practice delayed gratification. Not doing delayed gratification is not the traditional way of FIRE. Feet to the pedal, nose to the grinder. Do not let go until you are FAT FIRE. That's how the OG FIRERs do it. If they can do it, why I am being weak and not able to have no life for a while? Is it that hard to continue having no life when you are already having no life?
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There’s really no right or wrong in life. The only the choice of not living with regrets.

Have you heard the story?
A person on a bicycle admires someone driving a Proton.
The Proton driver admires a Honda.
The Honda driver admires a BMW.
The BMW driver admires a Ferrari.
The Ferrari driver admires someone with a private plane.

But then, the person with the private plane admires the one on the bicycle. Why?

Because the bigger the income, the bigger the responsibility. The bigger the lifestyle, the bigger the stress. Managing a big business is never a one-man show, it means managing large teams, solving endless problems, and sacrificing not just energy but also precious family time.

I once met a family member earning only 30K per annum, with a housewife spouse and five kids. Yet they lived happily. I asked him why. He told me: “Every night we have dinner together, even if it’s simple. We go out as a family, even if it’s just free activities like swimming at the community pool, playing badminton at the public court, jogging at the park, or a football kick-about at the open field. What matters is we spend time together.”

So in the end, what really matters is not how “hard” we push, but whether we can look back and say: I lived without regrets, and I cherished the people and moments that truly mattered.

This post has been edited by furuku89: Oct 2 2025, 11:55 AM

 

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