As a 37-year-old earning RM8k per month, I've only managed to save RM100k in my savings which i know is insufficient. To ramp up my savings, I've adopted a frugal lifestyle.

However, this has led to tension with my wife, who feels we should enjoy life more and want to take control over our finance.

As a housewife, she is good at taking care our childrens but not in managing finance. i'm hesitant to hand over our finance to her due to her limited experience.

Should i prioritize making my wife happy and risk compromising our financial stability or find alternative solutions to address her concerns?

I'm torn between securing our financial future and maintaining a happy marriage.

Any advice would be appreciated.




Edit : My main question is should i let my wife happy and control our finances, even if it compromises our financial stability?

This post has been edited by Lonelybird: Jan 21 2025, 09:13 PM

Can you explain frugal life style?
Do you not buy meat and only eat eggs?
How frugal is frugal?

Give her half of the savings and let her manage it. If she is happy to spend it, let it be. At least you still have half your savings and a happy wife.

My spending habits tend to be conservative, opting for affordable items, cooking at home, and minimizing vacations.

In contrast, my wife values quality over price, enjoys dining out, and loves taking vacations, leading to differing priorities when it comes to our lifestyle.

Agreed. Maybe by providing more elaborate description of how you would describe as frugal would help.

And let's keep the frame within the end goal of maintaining a healthy relationship rather than "making the wife happy".

As you should find a solution that works for the both of you.

I'll start:

- Let her share on her plans of "how does she want to manage the finance?" i.e. What she plans to do with it (This should come with concrete proof of plan and research i.e. FD based on bank's rate / Stashaway / REITS) etc rather than just "put if somewhere with safe returns".

- Listen out to her, after she is done, gauge on your experience, how valid it is. If its valid and reasonable, you can give her a starting fund, say 25k to manage, instead of all in one shot. Share with her that you would like to start in stages rather than all or none, to help you build your confidence in yourself to let go of some responsibility to her.

>> Also share that since you have been doing this in the longest time, its not easy for you to just let go everything in one shot. But also make sure you listen to her POV. Engage in the conversation when the mood is right i.e. Not right after a major argument / A happy event.

Financial future, you can increase allocation on activities related to her if its necessary

Your answer only to paint your wife in a bad picture to side your own opinion.
If 2 months never even go out to eat kfc one time i think you are the problem.

Is your wife working or ure the only bread winner?

My wife and I are working, I'll allocate about 50% of my salary on our monthly expenses and I save the remaining. My wife, on the other hand, would use her expenses as she likes. We spend on quality things that last and dine out at least once a week. Travel? Once or twice a year. I have about 40k saving only lol.

we eating out 3-4 times every months with the kids.

Has your saving habit changed suddenly, or has it grown gradually over time? if the first, then make sense why she's making a fuss

ask her go out to work, 8k mana cukup

Interesting. Have you not noticed this conflict since when you were dating her?

I started being frugal 3 years ago when i realized i had no savings in the bank.

i used to live by the " you only live once" mindset, spending freely without care.

Until i realized i had no savings, i made a drastic change.

This post has been edited by Lonelybird: Jan 21 2025, 07:33 PM

are you able to earn more? if not, are you willing to meet her in the middle? spend slightly more, e.g. last time save 6k, now save 4k, or 3k since you have 100k edi, not to say that's much but changing your wife is harder, maybe can but it takes very long time, so mean time maybe u can try what I mentioned

U make her happy and make ur self anxiety and depress?

There is a balance which need to be talked out..

Yes i should cut down my monthly savings to make my wife happy.

But that will slow down my retirement plan.

She is your wife for god sake. Talk to her? You've tied the knot with her, everything need to give and take now. It's not just about you. Noticed how in your reply you keep saying MY retirement plan? Shouldn't you be saving up for her and your children as well?

Try explain it nicely to her. If she couldn't see eye to eye with you, you got another issue on your hands my brother....

This post has been edited by ZeneticX: Jan 21 2025, 07:59 PM

Yes, TS should give us a break down of what his expenses are and his saving. Why is he trying to aim for retirement so early? How is TS gonna retire if his wife is not contributing anything.

I splurge on my wife, and I save up on myself. I don't have much saving too. But try to save as much as possible.

You’re at/near the age where if you lost your job, you’re fked.

Your decision to prioritise accumulate wealth is right.

Talk to your wife. Both of you have comprise. Find a middle ground that both of you are comfortable.

Also TS, how old are your kids? Newborn? Already studying?

Just fyi education fees also not cheap nowadays if you opt for private school, private college / uni

Maybe tell your wife the savings is for the children's future as well, maybe she could understand better that way. Do not say it is for YOUR retirement....

Most of male spending is in survival mode whereby female is know how to be living life mode.

I've tried discussing our financial priorities with my wife several times, but our conversations have ended in frustration for both of us.

I've explained that saving for our retirement is crucial to avoid burdening our children in future. However, she insist that we can save without sacrificing our entertainment and lifestyle.

How to save without sacrificing our lifestyle?

This is how we ended up frustration.

This post has been edited by Lonelybird: Jan 21 2025, 08:56 PM

You both need to reach a middle ground / compromise

You cannot expect to maximise savings suddenly and take away her enjoyment she expected from you

Likewise she should support you as well assuming the justification you provided are valid

Rm8k where waifu is a full time house wife and kids somewhere, you really are stretching every cents hard.

I suggest drawing an Excel table and list out how much you have, how much you can accumulate 10 years down the road. You can quote my Hokkien Mee Index together with your Excel to show her our monies are losing value fast.

Of course, you can set aside a small budget on monthly basis for eating out, keeping waifu happy.

At the mean time, maybe consider a side hustle for extra income.

8k can have wife and savings?

maybe if wife also working

This post has been edited by h@ksam: Jan 21 2025, 09:22 PM

RM8K gross is just ngam ngam for a couple without children, living in Klang Valley. Mana cukup for kids education until uni and for your retirement (for two).

TS, you need to seriously consider budgeting and sticking to it strictly.
Get the wife working if possible.

Can if we adjust lifestyle.

I can save 2k a month with 8k salary.

But now my wife not happy, i might reduce saving.

Make a spreadsheet track all the spending.
Set aside abit for "entertainment/vacation".

Discuss how much need to save every month. need to be hasty to decide what is the amount, just go along and adjust until both comfortable with the amount.

Don't forget about yearly expenses such as quit rent, taxes, road tax, car/house insurance.

Last but not least, set aside abit for "emergency" use.


Once u have everything in-place u can how how much to spend and how much to save.

if you've already a retirement number to achieve and lowering down that number would cause lower quality of lifestyle, then can try show it to her and let her know that you guys are living on future money..

Personally if you have a solid plan for financial freedom or comfortable living, good to just stick to it if you can and dont let that go. Wife's who does not understand you or crave for excitement always at the expense of future, nothing is tying them up with you as they can leave you for someone else with the reason that you don't make enough to support their lifestyle + cant make them happy.

You might end up losing her and your future retirement.

Again no harm trying to talk sense with your wife first... show some calculations in figures...

1st rule is never tell people your actual salary... always report less... to everyone else around you even your close ones... at least the differences can be saved for your ownself for use or silent investments..

6k is a lot, no? Saving 2k is about right

dont ever let ur wife touch ur savings

tats a sure way of ending up sleeping on the streets

just giv her what u are willing to lose

6K/month can say alot can say not much becoz depending where u staying and how old is your children(s)?

2K savings is quite good.
I dont see any issue if take 500 from the savings pool for vacation like once a quarter year.

You are being sensible. She is being entitled. She buys what she wants with her own money. Settle.


Retirement she eat into ur portion due to her inability to plan is worse

Can give examples of fine things in life that she ask for?

Latest iPhone? Omakase? Luxury bag?

Go Singkie, you easily save 2k SGD per month or more if you’re in frugal mode.

The ability to save is only a small portion of the financial literacy. If you know how to save but don’t know how to utilise the fund, then what is the use of the saved fund ?

You mentioned your wife financial literacy is almost zero. If you do not allow her to start now, then when is the suitable time?

There are ppl who seek to gain experience by utilising every single fund accessible by them ( own saving or other ppl money ), they didn’t fear to try anything to reach their goal. Yet majority ppl are chained by the “fear”, fear of losing the hard earned saving and forgoing the financial experience they will gains.

Convert the resources you have to the “experience” both of you needed to manage your family finance. Once you gained the needed experience, the question you ask will disappear on it owns in the near future. To solve the problem , solve the core of the problem not the surface symptoms.

1) wife is always right.
2) refer to 1)

Or an analogy. Say a djinn offer you RM1million, but you need to spend the rest of your life in the most hellish place imaginable and never being able to smile again - would you take the offer?

And here i am leaving a higher paying job than ts and venturing into a totally unknown territory for me.
Live life once.

I got all the Cs, Company, Condos , Car, Cash , Crypto , Credit Card , Country club, you name it

Yet my wife still say I’m shit to her standard.

Woman never happy

Don’t get married , but for you too late like me

If you don’t have kids dump her

This post has been edited by GoodBoy2022: Jan 21 2025, 10:12 PM

I think hor, when u started with your wife you are at one end of extreme no savings at all. Then u suddenly change flavour to another extreme end, of course wife will jump la.
From hot water suddenly kena pour cold water who no jump?

Also,
2k savings a month with current 8k salary. U took 3 year (36months x 2k = 72k) to save till 100k? Math no check out.

Few months ago, my wife and i had a disagreement about buying a new car.

She wanted a new model of X50, while i preferred a more affordable Proton Saga.

The discussion turned into a heated argument because she think that better car have better quality and last longer.

The X50 installment could eating up my entire monthly saving, and i eventually dropped the idea of buying a new car, opting to continue driving my old livina instead.

meet in the middle. balance it out.

you need to pamper your wife also, i know you want to save up, but cannot overdo it.

maybe have a discussion, maybe eat out every saturday, let her choose what to eat. then vacation once a year xxxx budget.

Some months i max out saving can reach 3k a month.

Don't forget Asb dividen gives 5%+ yearly interest.

she where got money, she house wife, unless TS allocate money for her..

I kid you not, the middle ground and ultimate solution is myvi/ativa.

It’s pricier than saga on first look but the long term maintenance and retaining of resale value can take any potong car for a beating.

Tell your wife be thankful to have a car. I don't even have a car. Have to take public transport daily to work. Don't even have a house, and I have to rent. Your wife is not working but my wife is. So she should be appreciative. Hahaha

Reading TS situation I think he got another serious issue to worry about other than his savings

How long have you been dating with her before ended up marrying and having a child lol

I still dont think its all on her though. TS just need to negotiate better and find a middle ground

Also TS didnt mention how old is he? Maybe is time for a new job? Tbh 8k just doesn't cut it as a sole breadwinner for a family especially if you live in KV


This post has been edited by ZeneticX: Jan 21 2025, 10:49 PM

Agreed with wife on fixed amount going to spend on your fixed salary, and fixed amount for child education, insurance, and retirement plan.


The 100k just keep it to urself, look at it your wife might spend it off within 5 year time.

mfw
>X50
>better car

I would rather top up a bit for corolla cross for family use. At least this one can definitely be called a better car.

Btw, you said 2k/mth saving or more. Not sure how will the monthly repayment wipe out your monthly saving unless you are talking maybe 5 year loan for top spec.

ACtually......what's the wife bringing to the table? How many kids? how old are they? Where exactly do you stay?

My wife doesn't know how much I earn and what not. I don't spend much on her as well as she knows my spending habits from the first day we strated dating. She is 10 years younger than me and mindset is " if we can take a loan, stretch it and we can slowly pay back mah " . But over the years she has transitioned over to my side of that mindset. We still go for vacations and all as I can afford hat finer things in life and still save but she is the one asking to eat at home now.

So what I am trying to say is make your stand. It's no joke when you're 50 and you have 100k and your kids need money for college or a car or a house or anything at all.

I once reminded my wife to appreciate what we have, pointing out that we're fortunate to have a roof over our heads and food on the table.

I mentioned that many people struggle to survive with much less. However, my words fell flat, and she gave me the cold shoulder for days.

The tension at home affected not just me, but also our kids' happiness."

I will never tell her this anymore.

100k saved per year with 8k/month salary? Yeah frugal indeed. but good. Just the bare minimum and enough for weekend outings once in a while

I've noticed a significant change in my wife's behavior over the years.

When we first got married, she was very supportive of my efforts to save money. In fact, she would encourage me to save as much as possible.

However, things started to shift when she realized I had built up some savings.

She began to desire a more luxurious lifestyle and started making more demands, which has been a challenge for me to balance.

It took me 3 years to save that amount of money.

I save about 2k per month and throw in my yearly bonus.

Hi TS, how did you get additional RM 50k savings in less than a year? Considering you also had to pay for some sudden spendings where you complained about overusing your CC.
Also, that's an impressive increment, 6->8k

If you can replicate your success consistently, I'd say you ought to treat yourself and family better

All you have to do now is to earn more to cater for her spendings.

My wife and I always spend within our means, both of us try to save up as much as possible. Even when purchasing something, we would consider the practicality. Wouldn't mind splurging on things that are of better quality, given that it would last for years instead of repurchasing when it breaks. Can't afford a car, and trying to save up for a house now. Renting alone eats up about 20% of our combined monthly salary.

Nevertheless, there are always those that struggle to make ends meet. Hence, I'm contented with what I have now. Just have to move up the corporate ladder now. Haha

TS, the issue is not about if you should allow your wife to spend. The issue now is your earnings is not high enough.

If I were in your shoes, I will be really worried at your trajectory. 24k a year will only bring you 500k in the next 20 years. That is on the BIG assumption that you will be employed for the next 20 years.

My advice is to give her 500 which she is free to spend on whatever she wants. No more. Then you save that 1500. Hopefully with your wife temporarily satisfied, you can find other ways to make more money.

.

This post has been edited by Epci: Jan 22 2025, 02:28 AM

since she is not working, she might not fully understand how hard it is to earn money. i suggest you allocate a large portion of your current savings into secure investments, such as purchasing property, bonds, or enrolling in a bank’s education investment fund program for your child. these options are less liquid and cannot be easily withdrawn in the short term. this approach helps prevent her from developing the idea that she can afford a luxury lifestyle.

after that, divide the remaining balance with her. moving forward, give her half of your savings every month. continue saving your portion and try your best not to interfere with how she chooses to spend hers.

This post has been edited by incognitroll: Jan 22 2025, 03:59 AM

Money is a sticky subject even for married couples.

And some people are really not saving mindset. (School didnt teach, parents didnt teach)

I dunno if it helps but look up ramit sethi on youtube. He does talk about couple finance. And i like him for talking about both side, ie those who dont save enough and those who dont spend enough. And the emotional aspects of money etc. You probably need to look up quite many episodes

You still need to talk it out. But of course having a 3rd person to help out to mediate is great but finding the person is hard....

My situation is reverse
Myself and wife working

However:
100% my pay cheque goes to my wife, she’s the financial controller

While:
I’m also doing house chores, taking care our daughter (going to be 3 next month) - shower her, making milk, sending her to school, picking her up, spend time with her.

My wife:
She’s work and sleep and spend on bag, cute stuff, making herself pretty.

My opinion is your wife just want to have probably surprises, celebration on occasion, activities whether in daily or weekly from you. You know frugal lifestyle is damn boring, discipline and predictable.

Unnecessary to be luxury but meaningful and the quality of time with all together. Somehow we need some spark in our life once a while.

same situation like you.

Wife constantly want to spend money for holiday, good food, nice handbag.....

Especially when it comes to holiday trip, I have to end up footing the bill despite both working.

She thinks life is too short to being frugal and spend while it can.

My counter argument is, we are not frugal, going overseas 3 times per year with my salary is called financial suicide.

And the chance of me dying now and dying at my 70es is much much lower, hence I am saving for my 70es retirement.

Try to strike a balance. If she want to go holiday, propose a local one which within your budget.

If still can't resolve, hide your actual income and bonus.

Deposit it into EPF and somewhere else and give the rest to her. Let her managed the family finances with those funds.

This post has been edited by loui: Jan 22 2025, 01:37 PM

8K a month household income, single income earner with 3 kids in KV is very low and very dangerous. Most people with 30K gross household income in KV are just barely getting by. Don't know how you guys can manage?

Daycare/ kindie costs in our household already more than 2K monthly. And we only drive fully paid up old cars.

Scrap the thought of buying a new car. At least get yourself an affordable apartment if you're still renting.

This is a tough situation which u need to iron out. Otherwise it just get worse over time.

Perhaps try for a change by giving her extra allowance once a while like additional 1k half yearly. But don’t say as allowance but as a gift like anniversary or birthday what not. You’ll be able to see how she spent it. If it’s for the family overall I think that is still understandable.
Don’t forget all ladies want to pamper themselves a little and one extra bag a year wouldn’t hurt anyone.

Set a limit for your travel plans with her like once travel every 3 years of her choice with a budget up to 10k? Or mini trips of 3k each locally. If the trip didn’t happen, bank in the money into the joint account as token of appreciation and give her a little excitement of how she can use the fund for family holidays etc.

Modern family issues require modern society solutions!

Btw saving 100k every 3 years is a great achievement if I read this right! Keep up the good work. Perhaps u can consider using the dividend from the savings as a bonus to give you and your family a little pat on the back by YOLO that amount. Again! Stick to the budget planned and never go beyond.

Good luck!

As a former counsellor, I would strongly advise you against consciously or unconsciously using the forum as a place to "vent" or to "gather support" or to "find agreeable voices" if your end goal is to look for solutions that is genuine to solve problems as a pair of husband and wife.

People in general, do not take the time to understand enough the stories from both sides and tend to find the need of taking sides as well.

Many cases ended up with relationship in jeopardy because one side "gains" the support of the "general public", vented out during argument, let ego took the better of him/her, and eventually led to a disastrous and deteriorating relationship.

I would like to reiterate, that your goal, is to find solution. It might take an considerable effort, sometimes also compromise. But on the flipside, this decision on how to handle the dilemma, is as important, if not more important than your initial decision to take the marriage pathway.

It is normal and okay to vent out your frustration and make your standpoint heard. But from what I have been reading up and following up, it seems that the snowball might have begun. I would implore you to explore further on how to communicate and understand each other.

Hope it helps and wishing you all the best. Take sometime to calm your thoughts down and take a deep breath, focus on listening to each other. It might not work on the first try, it might even take a few tries, but this is the part of a healthy relationship that is not glamorous yet necessary.

tough issue.

Girls with kids usually the logic a bit out.

To them if u frugal they felt like they are failing their children. In their mind u are purposely giving them short stick to prepare for own retirement. Most humans tend to focus on stuffs that immediately impact them, rather than the long term. Now with kids, it's even harder for them to see further into the future. All they can feel is the children receiving less.

My suggestion.
- send kids away for 2 days. sit down with your wife and list out all your expenses. see how much is left after deducting the necessity. Then compare it to the recent vacation, see how many months of disposable income are required for that vacation alone.
- before doing all the heavy work. bring your wife to the nice restaurant. watch a movie. buy flower keep her happy. compliment her thank her for looking out for enemy. human reacts better with compliment. surprisingly huh?
- really, do heavy discussion without kids around. most important step here. send the kids away. highly not recommend to do it after kids asleep, because by that time both of u already dead tired and unhappy. bad timing to discuss bad news.

She is having the same thought as majority of the people. Enjoy life now, think of future later. She wants to enjoy her life. Unable to practice delayed gratification. A partner can sink your finances or help your finances to greater height. You need to sit down and talk to her.

That is why I screen out the girls I am seeing. Those who sorry to be blunt like your wife type, I screen them out. Finance is usually the problem of the relationship. So you cannot screen her out now, you can only talk to her about how you had no money in the bank and how dangerous it is.

Too frugal is not good oso. I understand your wife POV.

You are only in your 30's once. Yes, saving is important, but you also need to allocate some of your current money to have a bit of fun. You will not get back the time and energy today.

That is why I sign up for all the A races and travel to my preferred place before I get old or busy with kids , having no regrets.

What use for the saved up money if you are already old age when your body are not cooperating anymore.

The tricky part though is balancing , not too much YOLO but not too frugal. This however needs discussion with your wife and managing expectations.

duplicated

This post has been edited by msacras: Jan 22 2025, 12:58 PM

Dif ppl have dif expenses and risk appetites

Some may think they need 2-4M to safely retire, while others may settle for just 200-400k.

What’s important is to sit down and properly plan for how much you’ll need when you retired.

Though one thing Im kind of unorthodox on, which is freshie’s expenses. There’s really not much point to save mere RM200-400 when you're freshies. It don’t bring much to the table. What’s more important is to monitor and advance your career growth quickly/steadily.

This post has been edited by msacras: Jan 22 2025, 01:05 PM

i am in this POV where frugal is good, but moderation is the key. money can earn back, time and experience doesnt

remember this pic?


you dont have to spend a tonne to enjoy time with your family. granted i can see where OP is coming from, prolly OP's wife are influenced terribly by social media where everything seems to be dandier, everyone has more money than you and so on. but one must also face reality of things where its all a show

sounds like u need to be the adult. your wife is going to make your family bankrupt. you best explain this in a diplomatic way (not to offend), that your earnings can't keep up with the expenditure she has in mind.

She needs a dose of reality check.

Fine to keep her happy but she needs to be realistic. If you who is better at finance found an issue, then you need to tell her if she is overspending or being irresponsible financially.


or do what others here suggested for less friction. Just allocate your wifey a budget based on your earnings, she can do whatever she wants with it. The rest you spend on bills and for savings (this will be your responsibility, since the wifey isn't being responsible with the finances). If she uses up all the budget allocated to her, then that's her own fault. Explain that is the budget she has to work with, and you can't afford beyond that.

But based on what you said so far, sounds like, if you gave her a budget to work with, she will simply spend it all and not save whatsoever when allocating the budget, may tally that in as to write that off, cause you know she won't save any of it, so make sure the rest you allocated to yourself will be part of the savings as well.

Maybe you need to explain to her also the need for growing your savings for retirement, and also for your kid/kids college fund etc. A grown up discussion :X not to offend, but just to have the talk.

like one day you'd be like "honey, i don't think we can keep spending like this...." etc...






Ram has it nailed. It's not nice to hear, but it's the sad fact. You already dug your own grave *figuratively speaking, when you choose to marry this type of woman. Now you got to deal with it unfortunately Moral of the story, prevention better than the cure. Date a woman for a long while to get to know her, before tying the knot. Now probably too late

This post has been edited by Moogle Stiltzkin: Jan 22 2025, 03:00 PM

In general, most women are bad with finances because they never have to bare any commitments. So they think that one can live through life with just rainbows and sunshine.

There is another way.
Show her passive income (dividend stocks). Show her that by putting money to work, you have someone working for you and they will pay you instead of you paying them. They pay between 4-5%p.a RM100k can generate free RM4-5k which is kind of free. She is free to use that 4-5k for whatever she likes.

Girls usually like the idea of free money.

As a housewife, I think she is entitled to some allowances.

Being too frugal is safer.

Many people think about "Life is short". But have you ever thought about what if "Life is too long".

Die also cannot die.

I think the issue right now is not about allowances.

I'm sure OP is giving his wife some allowances. The issue is that OP's wife is demanding to spend more on external things. Eat out, travelling, materials etc because she knows that OP has some savings.

for your situation realistically there are only few options if you want to survive financially.

1. talk to your wife on the issue and downgrade her lifestyle, honestly speaking, don't think this is likely
2. you find a new job with better pay.
3. have your wife working as well to support and upgraded lifestyle.

This post has been edited by brkli: Jan 22 2025, 06:20 PM

We won't know the true story.

But housewife sometimes, coup up at home everyday, sure want to go out and enjoy.

Perhaps TS should consider some budget travel or take wife out manja manja a bit.

no need to spend so much.

I mean, if I am coup up at home everyday take care of kids, I also want to have some relaxation and leisure time.

That's the rainy days

That's where the money/savings is most needed when our body is not cooperating anymore

The tricky part is, how much is enough? that's the thing. Its never enough. 500k? 1 mil? How can a 9-5 working class achieve that kind of money saved up? Instead of worrying things that have not come yet, better to take care of your health NOW and invest in yourself.

TS mentioned he had 100k saved up already. I believe 90% of Malaysians don't even have that kind of money saved up. Its good, but how long are you going to be frugal? Remember life is only once. This is my POV anyway, so I don't expect anyone else to agree or disagree. Each up to their own.

Invest your savings so there's no option spend it

Opt for airbnb staycation instead of hotel. Do a date night once every 1-2 months, RM400 is enough for this

Enjoy at the current moment since TS has secure some for his future.

I never believe a woman should stay at home, not just to help with the household income but also to gain exposure and update oneself on whats happening around the world. Housewife tend to be too dependent ending up with the husband.

Drive saga no gaya. Drive x50 go parking restaurant cny reunion dinner relative see ade gaya and success.

You no kid? Need car for kid

I do, a newborn. We take public transport around .. haha

Can be done. Save and invest. I am one of those people OTW to 1m.

female like to go overseas holiday every now and then... see people scomed overseas photo own self cannot go.... or no branded handbags to show off...

or extra money to go treatment, facial, beauty salon, etc

maybe with 100k, take out 10k go holiday, then save and frugal until certain money in savings and repeat...

Must be type m couple? Type c usually newborn naik kereta. Type c waifu materialistic one.

Social media problem. See people hubby bring waifu go oversea japan, iceland, uk, korea etc