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.

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.

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 .

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