since this is serious /k

i try to give u serious answer

this really driven to your own preferences and also financial

if you already 40+ ; no plan to have kids ; just stay single and YOLO [you can have gf if u found out someone that also dont want kahwin]
>if you already in this scenario then baru have kid and start to commit everything ..u need to expect to work all the way until 65 (atleast till kid uni graduate)

i seen few uncle that 50+ but single (never kahwin) ; just YOLO je

if takut mati just go beli nirvana package ..atleast someone help u pack nicely