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....

Can if we adjust lifestyle.

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

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

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.

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.

You no kid? Need car for kid

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

this is fine too since you dont need to keep up with the jones, but the thing is some people's frugal level are extremely subjective

like for example, just because i eat chicken rice every meal during my lunch time im called "too frugal" by some ex-colleagues. for me i considered it alright cause i get my daily required nutrients in a meal plus its <RM10 per meal.

while ive seen before some people level of frugal where they skimp on everything, because they think it is good savings. an example would be something like skimping on proper meals because they think breakfast is a waste of money etc

is it worth it in the long run? i dunno, to each their own. but breakfast is important to start the day IMO

i agree with what you said, on another spectrum.
i done nothing on your list, I've never been to Europe.

but if i die tomorrow, i have no regrets. apart from being sad that i can't provide more and be there for my family.
but I'm already dead then, what's being sad or regret going to matter?     

Simplified answer, go SG.

Most (if not all) at least double their monthly savings (and likely commitments too) simply by going SG.

Have 100k at savings still treat wifey like a maid? And still need to skimp to the bone and think twice?

What’s wrong buying her some gifts (budget) and bringing her to holidays (can be well-budgeted)

When the wifey is happy the family is happy ..u balik eat home cook meal also happy….

Possible, but at least you’ll get yourself a house (in MY) first before start worrying for those.
If you get lowballed in SG, chances are you already get lowball-pro-plus-max-ultra in MY.