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.

Keep fighting. I was like that too. Not to say I’m all good now but definitely better than before. Most important is to look forward. It’s good to learn from the past mistake but don’t dwell too much about it negatively.

Wasted a lot last time during 2022 World cup and Euro 2020

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

When you lend money to a friend, always be prepared to lose 2 things :-

Your money and your friend.

Don't really regret most of my financial decision, but if there is something that has to be nitpicked, its the purchasing of insurance "savings plan".

Money locked inside with mediocre returns.

Peugeot should be renamed as FIAT = Fix It Again, Tony

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..

This post has been edited by ecrl: Jul 22 2024, 11:52 AM

Aiyooo... example of car ruining our life 😅😅

buying reits

did not study hard enough to get waiver for PTPTN

bought a highrise few year ago because that time property price was shooting up like no tomorrow and I scared I cannot afford in future so upcar 1 unit......

My biggest regret is gettin born on this ever materialistic environment

No financial mistake yet. I always live and spend like b40.

My current financial hurdle is my parent’s debt which takes a huge chunk of my salary.

This post has been edited by potatolala: Jul 22 2024, 01:20 PM

invested in malaysia-based petroleum related stock 10 years+ ago, and lost 20k+ there, sigh.

U buy wrong reits..

Came to lowyat.net and got financial advise.
Now life ruined.

Same here..
Eth rm2k tat time want to in rm200k but no do... tiew

I wish I did not loan for 18k for a scam company years ago

No all in buttcoin, hindsight

Didn't buy in Bitcoin when it was way way way way way way low. I had unused savings to spare.

listened to someone and didnt yolo invest in usa stocks i.e. aapl, nvda etc at the beginning of 2023 after those stocks going down in whole year of 2022

Losing 100k and a close friend man..what made you willing to lend such a big sum?

Wouldn't your wife/family ask you to reconsider?

Kena scam by random scammer call me one morning pretending to sound like my friend. Few days later WhatsApp me asking to lend RM5k but I only have RM1k at that time

yeah i regretted I didn't buy a few bandar utama houses when I was in my 20s.

i'd rather skip reits entirely and jus keep it in maybank stocks... so yea, its something i would like to undo

driving a shitty car really closes down a lot of networking opportunities

the amount of time and money spent just to diagnose whats wrong and whats to fix is never worth it compared to just buy a new and simple car

more people should realize this and stop buying stupid cars just because it made sense in the short term

Sold my BTC in 2018.

Only bought 2 props in 2007 because DDD gang psycho me US subprime crisis will hit Malaysia

Reading every single post and I can't find myself to find a single financial regret I have made in my life.

Guess being a really scrooge level miser made me feel better very single penny counts.

for me is different. should have applied PTPTN for my diploma coz if i do with my result, I could have converted to scholarship and get free money.
in any case, borrow liao keep in FD earn interest also good.

I was active in 4chan when bitcoin came about. Many were throwing around bitcoin for the lul. Just have to create a wallet and then open a post ask ppl to send some coin to ur wallet. Many will do. I created one and got some coins as well. Then quickly forgot about it. Lost the wallet address.

damnn. Got back ur 100k at least?

Damnit! Find it...n be a rich man 🤣🤣

eh i thought REITS is supposed to give u good return? (since the profit of rentals will distribute to its shareholders). Local REITS? How much % return will Maybank stocks is?

dont regret, got 7 digits investment in my mid 30s

Buy exp car that i know i cant afford it in my late 20s…

Set me back until my mid 30s

pls refer my thread if you free


https://forum.lowyat.net/index.php?showtopic=5465622&hl=

Didn’t take up friend offer of gifting me Bitcoin 10 years ago

What car?

Car not enough to be a big mistake.
Tak mampu? Jual je. At most rugi 10k-20k

Bought some mining machine.
Cost quite a bit, manage to mine and lost 20%...

Til today never gain back cuz I sell too early.

But never play never know

Ignoring a friend who told me to buy TSLA & BTC back in 2012.

He's a very rich, multi millionaire now and I'm still stuck at a day job.

buy popetis,car no ragrets
ragrets ignore nerd friend when talking bout buttcoin when initial stage

Drinking for almost 10 years, can count the money can buy 1 500k condo.

Regret, if i can turn back the clock....i will stay away from alcohol

Edited.

This post has been edited by Mattrock: Jun 30 2025, 09:55 AM

True, but so is the YOLO mentality… so a balanced approach is best

My regret? Cars. I’m a sucker for them. And the worst thing is that I can afford them so I don’t feel the pain.

Over the past 20-25 years, I’ve bought multiple cars at the same time… my personal record is owning 4 BMWs - an F30, F13 M6, F15 x drive and F02 at the same time. All bought brand new, and bought in Singapore, so go figure how much money I wasted.

Now, I only have 2 cars in Singapore and 2 in Sydney… slightly less insane, but only marginally so.

Even if you can turn back time, you still won’t be rich rich.

You chose gold as an investment. The hell

Damn why would so sold? That’s the best time to get in. I remembered I DCA until my bank account left RM1000 inside

That’s the big financial mistake there without you even realising that. Been on exact same situation and it was never ending story until I put an end to it. Unless it’s really a life and death situation which they got themselves into debt.

Started my career at 2008 and up till 2018, 90% of my actions related to money were only regrets.

Long list: Getting 50k worth of car with 20k annual income, uncontrolled CC expenses, PLs, paying parents stupid debt, buying high rise for own stay in mid 20’s with out research location and developer, buying investment properties again without research, never learn about proper investing, selling bitcoins at dirt cheap price, buying unnecessary gadgets, and the list might go on.

However, during these 10 years period, I really focused on my career and able to get couple of very good hikes due to job hopping. When got my first kid at 2018, I got knock on the head.

Told myself, there no way I can undo what have been passed, but there is always a way to overcome the situation. Cut back to 2024, completely debt free except primary home and a car (which valued less than half of my current P.A), very decent investment portfolio, a good understanding on financial management and above all, have gratitude on the life lessons.

The reason I want to share this, there will be always those 2am thoughts about, “what if”, “would have”, “could have been”, etc.. These thoughts do more harm to mental health than the actual financial mistakes.

So let go the past and focus on future.. until Time Machine invented

Thinking meme stocks are stocks which I can hold for long term.

Didnt come SG earlier to earn and save more
Didn't able to sell gloves stock when everyone is buying
Didn't buy AI Data center stock

You can buy expensive car and house and hobby mean you quite well. Easier for you to recover back

Back then was pretty greenhorn so I made quite a number of foolish decisions. Paper hands.

Learned alot once I became more financially mature; now price dips don't phase me at all as I'll DCA with my funds.

What happened to your RM1,000 now? Hope that made you a good fortune at that time

This post has been edited by UserU: Jul 22 2024, 10:34 PM

Wasting all my money onto whores and girls.

….talk abt flex… i just rent eq hotel / to fuck 1 shot overnight girl

Waste 5k…

I burn like 10k in 3 days….

Fuck my void

This post has been edited by badmilk: Jul 22 2024, 10:37 PM

Life mistake:

1) Took hobby Diploma and Degree. End up working in a job that I hate every single day.

Been working in this field for so long. Want to change field, but I have no idea what I want to do.

Financial mistake

1) Took a Personal loan due to financial and career mistake that I've done previously. I have no choice during that time.

2) Didn't save a lot. Now I'm in the process of building up the savings.

3) Bought a new car and now I feel suffer paying for it. If I know that I would end up in current situation, I should stick using the old car. The reason I purchased a new car is I work quite far from home. So I need a reliable car at least. My old car keep facing problem in the situation where I need to use it urgently.

But what to do, I have suffer for few years of paying the new loan, but at least, I don't have to worry about the car issue for a while.

This post has been edited by xpole: Jul 22 2024, 10:52 PM

I DCA-ed my whole net worth from 2016-2022 to BTC only

Really good times. I regret didn’t get a side hustle and dump even more money inside.

Didn't dca to us stick voo as soon as I graduate. Every single cent of myr should be in usd or us equity

Smart choice. I mean most of us during our younger days either wouldn't give a toss or lack the hindsight of crypto. And now you mentioned it, I just remembered I sold my laptop after mining some BTC on it in 2010

Side hustles can either be a hit-or-miss. One of my coworkers ventured into an F&B business and started hemorrhaging cash not long after.

12k... and you're friend turned from "her" to "him"
Pretty obvious what happened there.

Keywords : thailand , surgery

U earn more than sister wat

House Loan.
Specifically the tenure, should've batten down the hatches and stuck through 10year period instead of the maximum 35years.

Our local proverb rings true (at least to me), "bersusah-susah dahulu, bersenang-senang kemudian" - short term pain for long term gain(debt-free).

A few m in savings account that doesn’t bear interest. Made m early/mid 30’s so opportunity cost is like a few hundred grands so far if i put in a few asb accounts but im not that sad and a only some tiny regret. I am by definition a miser. Only now moving some into maybank premier since they called and the return is rather paltry and entry ticket is like 250k across the board so i jumped. But money isn’t everything.

This post has been edited by insan_kamil: Jul 23 2024, 12:03 AM

What if u use that extra cash flow for btc

bitcoin right? i'm oldschool, never dipped into crypto and NFCs
either sitting pretty in the bank (FD) or floating in the exchange, covid pandemic sure was an exciting time - and yes, some regrets there too selling too soon/too late win some, lose some

Means you were earning easy money? Usually I know those who easily earn it will spend it easily too

Yea- easy come easy go- i think best way to do it via buying stocks and investment for future.

=_=.. will enjoy these luxury while i can

Took 50k ptptn loan

It’s not what mistakes you may or may not have committed financially that matter.

It’s how you rectified and learned from them that does.

Didnt invest into s&p earlier.

3. If your car can last 20 years and take you to make more money, I see it as a good thing.

Life is priceless. If a car is 50k and can ensure your safety on road, it's good.

Regret buying that 1999 bmw e36 rm9k cash back in 2020 before pandemic. Bought that car during pandemic. My 9k can invest crypto if did not bought that car. Finally sell it at loss but i did enjoy that car during pandemic while driving out to tapao lunch.

Sometimes, that's what living a life means ... not every decision or day needs to be about the dollar and cents, right?

regret not buying a house in the same neighbourhood a few years earlier which is about RM100,000 cheaper for a similar model

You can always make extra payments to shorten the tenure. Many people finish their 35 years loan within 15 years and save a lot of interest.

This post has been edited by poweredbydiscuz: Jul 23 2024, 08:32 AM

1. Rushing into paper degree after spm. Should have took 2 - 3 years off to explore a bit before committing to do degree.

2. Not taking studies seriously when young time. Now long term paying the piper, stuck trying to catch up and kena looked down on during cny and gatherings.

3. Being complacent and not going to sg when it significantly easier to get in.

10k-20k is a lot for me, haha . not /20k club .
btw yea last time didn't even know about the recommended general formula car price < annual income. end up bought a car that I could not afford and suffered for few years. Plus I was working outstation so I was not able to use the car that I paid for . That time couldn't sell as no carsome/mytukar yet. sell to 2nd hand car sure kena chop .

How easy was it to earn?

And did you find any satisfaction fucking those hot girls? Would it be different if it was a mutual encounter rather than a paid one?

Felt like money grow on trees. My stocks and partial income got contribute too. But mostly due to quarterly bonus.

Boss gave me 1 year bonus already this year / excluding basic

Abt 250k-

Actually if u pay enough -whatever fucking gf experience also u get.

Much better than mutual encounter. Coz u get the looks and feel -all at once


But i had women like coffee now d, can’t recall how many i had