I think my situation is pretty lucky compared to a lot of other Malaysians, live in Malaysia but earning expat pay, with expat benefits including monthly rental and living allowance, and I use that rental and living allowance to pay for a new condo and car in KL. I have a property in JB and also a property in Guangzhou, my family just gets mutiple entry visa then can stay there 30 days at a time, so basically can spend 50% of time there and 50% of time here after retire.

The reality is not all Malaysians will have the opportunity or the skills or the luck to work overseas. So, some will have to make do with living in Malaysia. That said, Malaysia is not that bad of a place to live and grow old.