This is just a survey of the "mass affluent" people i.e the vast majority of T20s, of the amount of money they think they need to retire.

May not apply to M40 n B40 people.

hehe..... which part of the phrase "mass affluent" makes sense for us here in Malaysia.... 

HSBC report really funny.... 

sorry lor... HSBC is basically like Maybank in its main biz countries. definitely for the masses.

just that because it is a foreign bank in Malaysia, somehow the malaysian clientele think slightly higher of it: HSBC, Citibank, and to some extend, the 2 local foreign banks OCBC and UOB... 

That time i was in college. Every time going back to hometown needed to go to the KL bus station, and that time the bus station so many ah pek pretended as gangster trying to threaten students for money, LOL. I remember i kena threaten by someone hisap dadah asking me to give him money, i fuked him and said go away, but then he took out a syringe as weapon, i surrendered and gave him rm1 and he went away 
When the auntie talking to me non-stop, what in my mind was 2 things. First thing was, this auntie must be damn rich since her kids can go study oversea and even staying there. Second thing was, this auntie 99% should be a weirdo (in her kids' eyes) that kena abandoned by her kids, if not no way lepaking here in bus station talking to me. She talked a lot but i can't remember most things except her kids were oversea working high class jobs.

It is correct nowadays is different, it may be a better thing do not stay together and only communicate virtually or see each other in-person once in a while, lesser conflicts and more freedom for each other.

Rm1? What year is this?

15 years ago in kl I experience got macha ask for money to buy minum, but no blade. Another time got pinoy lady purpose come up to me at tbs ask for money for bas ticket. I rejected her.

the framework reference basis is Jan 2026...

so if one FIRE at 50 in 2016... gotta discount the 1.8 mil to the proper money of the day...

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…

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.

Or, maybe just let people enjoy how they want to enjoy?

We are gatekeeping travelling now?