Can immerse in charity, allocate time to help others.

I found this nice and meaning full (at least to me) song after watching House M.D last episode.

Guy Lombardo -- Enjoy Yourself, It's Later Than You Think
https://www.youtube.com/watch?v=nFxjnUPRwx4

nicely tuned and meaningful lyric....

You work and work for years and years, you're always on the go
You never take a minute off, too busy makin' dough
Someday you say, you'll have your fun, when you're a millionaire
Imagine all the fun you'll have in your old rockin' chair

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

You're gonna take that ocean trip, no matter come what may
You've got your reservations made, but you just can't get away
Next year for sure, you'll see the world, you'll really get around
But how far can you travel when you're six feet underground?

Your heart of hearts, your dream of dreams, your ravishing brunette
She's left you and she's now become somebody else's pet
Lay down that gun, don't try my friend to reach the great beyond
You'll have more fun by reaching for a redhead or a blond

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

You never go to night clubs and you just don't care to dance
You don't have time for silly things like moonlight and romance
You only think of dollar bills tied neatly in a stack
But when you kiss a dollar bill, it doesn't kiss you back

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

then try to reflects if trying to save as much money or being frugal to the extreme just to squeeze the last drops of money earned to the max just to want to keep up with / wanted to be with the joneses that had retired early

and prioritization XD
we can have nearly anything we want but NOT EVERYTHING - kan   kan

Too much cash flow is never a bad thing... right?

I am obviously not at that level yet, that's why would say something like this.

This is truly great! Go forth and immerse yourself in the cause that inspires you.
All the best friend! Bring warmth to the world.

Any examples of the "crucial people"?

exactly what i am facing at 35. kek.

Continue with Investment and Spend wisely

For us To retire comfortably we need RM 10 milion depend on our lifestyle

Failure is often the best teacher

Looks like in your case you did not learn anything

Well, I did say ‘often’

Unker you sudah fired and after that found yourself suffering at home
so gostan balik kerja.....

Alot in here younger than you, fired and they all happily enjoy the comforts of home compared to stress in office ...

Don't just always think you are ahead of us....old unker.

i fire at 50... waifu dun wan...

send her take lrt lor... save so much petrol n parking... lol...

FIRE only when one can stay home shake leg... otherwise i advice dun...

i have many t20 friends... they dun consider FIRE also...

Bro, adult ICU all got. But baby ICU only Sunway and SJMC got. Not cheap. One night RM5-10k. Not cheap.You need hospital with neonatologist.
Normal birth is around 4-6k. Depending on hospital. 9k is expensive.
It's both.
1. Safety first.
2. Yes can you afford? I know I cannot afford. I know the length of cloth on my body. We know our financial capability.
It's not don't talk. Is don't live the atas life. Don't drive benz BMW, no overseas trip. Like I said live like B40 and you will see that they
Memang have to expose. But cannot let them live the good life. I will expose them early to investment but no pampered life, no overseas trip.
FIRE should be in 30-40. Not 50

Actually not only us but western parents also faced this issue. Those FIRE blogger/youruber. Some successful, not successful in swaying their kids over.
If you feel young then it is young. I know by hook or by crook I am not going to work at 45 years old. Time to step back.
You and I live every different life. No way you can live my life and no way I can reach your life. I am lower M40. Trying to make myself into T5. You are T1.

i use sunway retirement home for final years budgeting... 2026 money, 10k per month per pax all in...

minor emergencies just go to Sunway... hopeless cases is one straight highway away to um hospital...

in 15-20 yrs time, more retirement villages should be everywhere...