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. 

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.

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

What car bro? Peugeot?

What car bro? Peugeot?

It is Kia. 😅😅

Still cant move on from tis stupid thing. Back then, I earn 4k-6k per month. Which is I think quite good as fresh graduated kid.

But ‘poverty mindset’ of me kick in, which explain why I decides to buy old car instead get new car. And I lost lots opportutnities. No proper dating, no gathering bujang with friends, malu join family gathering because I stay flat and ride a bike.

I used to date a doctor from HKL but I decides to end it. Because have imposter syndrom, who whoudl date a guy who ride a bike? 😅 this is my another regret because she is a fine lady, smart and we actually complamebt each other.

Simple say, I wasting my precious youth because this stupid car. 😂

Poverty mindset is very dangerous man..

buying reits

registered bitcoin wallet, but didn't purchase any.. Because I have no knowledge about it at all. If I have purchase back then, I can have early retirement