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.