Sorry to disagree but getting your example rm11k salary but driving a Viva is too much. I need my family to ride a decent car (not expansive). Be it reliable, comfort and safety. Viva sure not 5 star rating.

And get the car to be maintenance properly and use it until end of it life. No need to keep upgrades per 5 years.

Btw most T20 bosses I know gets company car, range from E Class to S Class with all everything covered. Fuel, maintenance etc

can simply park and no need to worry about standing out
no worry about scratching, hit pothole, banjir etc.

This post has been edited by phas3r: May 4 2023, 08:41 PM

T20 is nothing because the PCB tax is huge, but people around me T10 but they all drive around 120K to 150K vehicle.

Whereby the business man with handsome income drove under 100K car but living above 1 million house



This post has been edited by babygrand123: May 10 2023, 09:40 PM

company provide boss himself punya.
instead of salaried man, becos go to work only.
i even saw older car than viva and biker.

upper m40 drive small car to work
weekend got other car to enjoice

If good, big company, Senior Managers onward get a company car with everything covered. my neighbor with Director titles gets a brand new Conti car every 6 months to 1 year. He himself told me if Conti takes Merz than BMW cz is more reliable, even brand new. that is another topic

My salary is close to 12k, I'm driving a used Iriz, my manager probably earning 15-16k, drive the 1st gen viva.

The ones that I see drive big expensive cars are the ladies. God Bless the Sugar Daddies (hubby)

I also very thrifty back then, until my saving become half million, then hand very itchy to buy newer car. but I still keep my proton in my garage.

my question to u.. until when u want to become thrifty. what if one day ur saving hit 1 million. u still want to use cheap car for long distance?.

people can talk about salary. yeah. its good to saving. but I tot people one day should enjoy their money too right?.

as for now, I just maintain my saving between 1 to 1.5 million, and its fluctuate within that range. as I love to spend on good food, good hotel, sometime business class fare trip.

I think if I keep on becoming thrifty, I maybe easily got 2million saving. lol. but no regret.

Depends on personal. My work require me to travel long distance, i love taking a long trip holiday by car. So i need a comfortable as well as safe car. Sometimes i look those car who broke down at road side, 90% of them are old car. I don't want that.

I keep my salary to 3 properties that i plan to letgo once retired, that's my plan.

bro mind if u can share how old are u? =)

Not young bro. but not too old. I see nowadays youngster even more money than my generation. young young already use continental car.

Conti can buy used or recond cz the RV kinda too steep to digest

Everyone can disagree, no problem to that. However, I am just letting people know that there are cases of T20s driving Viva. As I have mentioned earlier, the income of a T20 is nothing much in this day and age, especially at the lower end of a T20 at RM11k. If another T20 is earning RM30k then that's another story, and I agree that a T20 with RM30k income driving a Viva may be too much.

I fully agree with you, what is T20 these days.

More over , they are being targeted left right centre, surely If I am T20, I will get more economical options as well.


https://www.thestar.com.my/news/nation/2023...%20said%20Anwar


https://www.thestar.com.my/news/nation/2023...says-salahuddin

https://www.nst.com.my/news/nation/2023/05/...tricity-subsidy

It really depends, if bachelor with entry T20 income then it's plenty. But for family oriented, common they surely can do better than Viva and they should.

This post has been edited by Breaktru: May 19 2023, 06:04 PM

takut nanti tak boleh pump ron95.
beli kereta b40 pump full tank then transfer to Ferrari.

Yes, it all depends on the priorities of a person as disposable income can be spent in many ways. Bachelor with T20 may live a more luxurious life than a family man with 3 kids or more only when he has no other commitments. If you have a housing loan of say RM2k monthly or higher, insurances and forced savings to FD etc. it's not plenty. This is not taking into consideration meals outside at restaurants with family (parents and siblings) or other expenditure and expensive hobbies. If it's a family man with entry T20 income of RM11k, there would be not much left as you still have to allocate for the kids, more so if the wife is not working. Also, RM11k entry T20 is gross salary. After deducting EPF and SOCSO, the take-home salary of RM11k is just around RM8k+ which is not much after you consider all of the above, which explain why few people with entry T20 income may still drive cheap cars as other priorities are more important. That goes the same for people who drive motorbikes as not everyone has the privilege of driving a car. Even a Viva is better than a motorbike already, except for traffic jams. And if everyone can afford to drive a car, it will become even more problematic for us. If you watch the news yesterday, Anthony Loke informed there are 6 or 7 million vehicles on KL roads everyday contributing to traffic jams as not many people take public transport. If more cars (less motorbikes) are on the roads, it will be even worse.

This post has been edited by ryder_78: May 20 2023, 09:48 AM

I hope they are targetting the higher-end of the T20 and not the entry level T20s. For electricitry tarriffs, I presume they will only reduce the subsidies for the heavy users. For light users perhaps they won't impose the restriction even though it's a T20? Anyway, some of these high-income earners staying in landed properties have their own ways of adjusting the TNB meters to lower down the readings so the new ruling may not matter too much to these people anyway. ie. 5 or 6 air-conds full blast 24 hours in the semi-D or bungalow and the monthly electricity bills is maintained at around RM200+/-.

Not too sure how they will implement the target subsidies for petrol as it's complicated to enforce by going with income, or cc of car.

For T20 who resides landed properties and have high bills, they must consider solar PV installation, a few of T20 earners I have known has vowed that solar PV really helps, and below is a authentic subsidiary of TNB that can help...

https://enquiry.gsparx.com/residential/?gcl...PRoCFhwQAvD_BwE

And buy an EV to evade the petrol cost altogether, If resides in landed properties and have the means of T20 ,I would do both without any hesitation.

The target subsidies for diesel and Ron 95 implementation is 2024, no details on how it will be implemented, no point guessing.

Some T20s are T20s because they understand the difference between price and value.
Also ppl are prioritizing paying for "experience" rather than a tangible object.. (oversea trips, eating out with frens and family)
Probably ppl are more obsess with the latest Iphones, gadgets..
Not to mention, raising a child is very expensive these days. Some T20 living in urban areas couldnt afford lavish life style.

Some are for "disguising" purpose as they wouldn't want their office peers that they are better off than others.

Further more, new cars like Vios would have more features and safer than a Camry 20 years ago. From a value perspective, modern cars like best bang for bucks. The space is even on par with older Corollas...

City is larger than then old Accord of the 80's.. and HRV is slowing growing on size to match older 1st gen CRV