Maybe for sharing and learning here.

My mistake was not learning to save up earlier in my career. back then was a jolly CC user , have expensive hobbies and always travel for fun to and from (i'm guessing u call YOLO these days). Dunno all my money went even though worked a long time.

I wish I realized and be more financially aware sooner than later.

Second mistake is buying a car and house that is not affordable .

I wish back then I used a cheaper car, as depreciation kills the value and fast forward 10 years all sort of problems came out .

Although the house I bought is in a decent location, I felt that it was overpriced. Back then it was all the rage for "Property investment". If I had the chance, I would undo this mistake by not buying a house at all, and instead just park the savings in gold and use it to buy house for own self stay .

What did you do that you regretted? Past cannot change anymore, perhaps we could state this as a reminder for ourselves.

Didn't invest straight to US market when IBKR removed the monthly fee...

God dam the gains that I would had gotten during after the covid season

O well

At least now not too shabby. DCA ALL ZA WAY!!!

Buying house...
And car....

Thinking bitcoin = imaginary money when it was worth nothing 😆🤣

I would've buy something else than Proton

Now buyed proton already, every time check market price I red eyes.

Meanwhile my waifu drives Toyota, if sell can get untung leftover money

I bought a 10 years old used car as my first car for RM12,000, which later balooning to RM24,000 due to Aeoncredit loan.

I can afford to purchase cash then, but the seller 'advice' me to use Aeoncredit because 'i can use my saving money to do other things'. He might want commision. So naive of me. haha.

Need to fork out thousands to repair here and there. And car not reliable, cannot do GRAB due to old age, no sparepart around, and cannot really generate money for me. I end up using motocysle for most of time.

Dont buy second hand car unless you really know how to pomen things

What car bro? Peugeot?

I wish I knew and believe in bitcoin back then

Lent Rm12k to a friend as her mom need money for medical procedures, then never heard of him anymore.

1. I didn't learn investment and bitcoin
2. I didn't do savings
3. When I started working gomen job, I made personal loans thinking that my wife would get good job with her degree and master cert. she didn't get the job she wanted and overqualified for jobs around where we live

Second car.

Expensive ex

I lend RM100k to a really close buddy like 10+ years ago. Really close buddy, even more close than my real brother. After lending him he says will pay me back by installment every month.

Sometime skip 2-3 months no pay etc. In the end now i see him he see me like strangers. Really dont lend any money to family and friends, you can "give" it to them but dont ever lend.

Didn't buy more bitcoin and ethereum when it was cheaper.

Didn't enter snp500 earlier.

Shouldn't have bought properties for investment. Very leceh

bought a big ass house

got a sport bike with AEON credit loan. The interest rate is high as fark it's ridiculous

more importantly, how you are now, financially speaking.

Invested in SGX a dozen years ago without any market knowledge, just pure speculation. Lost about 50% till date.

Life would be much better if I took that money and invested in S&P 500.

Not buying btc 10 years ago.

Still not too late

Managing it but its like have to start from 0.

1st step -to get 6-12month emergency savings 1st. see that one rly basic thing oso i dun have yet.