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 Saving for the Future vs Making My Wife Happy

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MegaCanonF
post Jan 22 2025, 10:57 AM

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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.
MegaCanonF
post Jan 23 2025, 08:14 AM

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QUOTE(Blofeld @ Jan 22 2025, 11:24 PM)
That's the rainy days

That's where the money/savings is most needed when our body is not cooperating anymore
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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.
MegaCanonF
post Jan 24 2025, 11:45 AM

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QUOTE(wawasan2200 @ Jan 24 2025, 07:38 AM)
same situation with me, thanks in advance to all sifus if can help me

just that i facing extra issue which is housing, i dont know to buy or to rent, i prefer rent because buy might cause limited job opportunities in future, she thinks rent is waste money, helping landlord to pay housing loan

we are working 50 km ++ from KL, if buy house near current office later if change job we might need to work in kl to get a similar paycheck then the travelling distance will be a nightmare to me

we have been working 5 and 7 years in respective companies

currently we are staying 5-10 km from office, within this range have a lot of over supply landed properties

i am considering a highrise which is 25km away from current workplace and 25km away from KL, the MRT station is just opposite the highrise
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Please please don't make the mistake of buying a house early without any research.

-its a renters market now, more flexibility to go anywhere.

- if you buy a house , you will stuck in that place. as a young career person, how will you do if u got a transfer / career advance/ VSS?

- If you buy a house, will she chip in the monthly payment? she ask u buy so much, will she pay ? If u alone pay bank installment, taxes ,maintenance, upkeep, u mati la wei.

- highrise also too overrated and oversupply.

If I were you , I will continue to rent. Really regret buying my house and bleeding money month after month. only buy once you really sure that is your place that you are going to settle down.


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