I could have cleared my debt many times over

But i was chasing expensive watches and luxury holidays.

Worst i spend it on so much pussy it given me hpv- and i spend a boat load of money to cure it.

till this day i am still fucking someone else girl/ not repenting.

But kalau bukan sekarang … bila ? When i m 40s? 50s?

Moral of the story- LIVE AND Never regret.

On our death bed - we be lonely and bring nothing over too- at least you have live your life and enjoy every thing god has to offer.

Fuck debt - its just paper -

What if u become sick, poor and jobless when u r in your 40s 50s?

If you need the resale value when buying car, you can't afford that car in the first place.

Health ok kua- coz covered via life and medical insurance

Poor and jobless in age 40/50?

Wow must have suck

Donno - haven’t reach there yet-

By design my time now worth quite alot - hope it doesn’t lose value then

Epf can cover kot- estimated to have 4/5 million then - campur isteri punya maybe around 10m

bought a house too big for myself. ended up with terrible debt.

my regret-

listen to parent and bought the first property outskirt during my 20+ . lose out opportunity cost in DCA into S&P 500 or other similar investment.


the property i ended up did not use for own stay and rent it out. the return is kind of mediocore. can cover interest portion of the loan at most not fully loan.

fast forward today. plan to sell the property but have to realise 150k loss if want sell fast coz property price bought at the peak.

Would you be as disciplined on dca as to a strict mortgage loan repayment regime? I think your parents know you better

I may be wrong

This post has been edited by jojolicia: Jun 24 2025, 10:26 AM

ya i consider myself a discipline person at least for financial side of matter. just that making too many rush decision at the young age. and listen too much to parent without process all the decision they wanted me to make.

they make a lot of financial mistakes for me. most of it can be cancel with some loss. but the house is a big one unfortunately.

Your parents highly educated or bizman?

This post has been edited by MGM: Jun 24 2025, 12:12 PM

Traditional businessmen. Previously family poor so not all my father family member able to pursue higher education. only the best one goes.

Father is a businessman but i don't think very well financial literate person.

2025 McOcean still around? wah lao .

Almost 10 years I got recruited once to their event. Can say was tempted, around that time my starting salary super low.

God blessed me to dodge that bullet.

Beg to differ. High resale value cars provide you with exit plans when things go south. I only buy trusted JAP cars . Never will buy China / Conti / P1 no matter how alluring they are.


Which outskirt ? Nilai?

My sibling has a similar kind of grievance but its reversed.

She bought join loan with ex husband at middle of KL . bought at inflated price, , rental oso kenot cover, now divorced, still pening how to settle the house. want to sell oso hard coz name and the market much lower now .



This post has been edited by MegaCanonF: Jun 25 2025, 11:21 AM

Not buying a Rolex Submariner when I still can get for <30k in 2014. Bought a Grand Seiko snowflake instead.

That's how the mlms get you by exploit human psychological need for social, love and care. Long before socmed and smartphone they also practice and perfect it. The uplines and team always host weekly meetings to do teambuilding, first entice newbies with financial freedom/build own business then slowly rope you in and surround you with 'family/friend' feeling. Like this many ppl sure fall into it. Lonely folks young and old attend a few session will also become committed until willing to spend some money every month buy overpriced things like subscription to continue to be a part of the family. Not saying that real relationship cannot be made there, just that deep down they all know that making money is the basis of their relationship.

But, also not everyone can be good upline leader. Many just cannot hide their true intention well. Can feel that they are not genuine. So they will often come in group to brain wash newbies.

Unker don't blame newbies, the world can be a cold place and it is not easy to make real friends once become adult. suddenly surrounded by friendly ppl show interest in you, give time to 'grow' you, want to see you 'success'. Even the most introvert ppl can kena brain washing.

Well, if you need exit plans when buying cars, then you really cannot afford that car in the first place.

Yeah.
I'm have a deep avoidance with these things so I always brutally tell them I am not interested and please don't bloody drag me into your cult. But I'm surprised that people change so drastically over these especially those with proper ed and technical careers.

People change once they have a lot of money all of a sudden?

This thread has been especially interesting,... educational too.

Appreciated forummers' sharings here.

This post has been edited by Hansel: Jun 25 2025, 05:37 PM

Bro... This thread is talking about regrets, you don't need to share your success story until bragging about going to the north pole. It stinks of being on a high horse when you should feel the room

I'm talking from the other end, abt one regret and non-regrets,..... well,... if you feel I'm bragging,... it's ok,...

Hmm,... I'm not too comfy abt this post too,... don't know why,... I'll delete it.

By the way, there's nothing I to brag abt the post. No big success stories there,... just the norms abt everyday lives. I'm surprised with your standards.

I regret for not refinance my mortage with high interest much earlier. Paid buta-buta for 7 years baru refinance.