Hhnnngghh

with or without kids?

By the time retirement age, kids already working and is self sufficient

3? Lol

Get real ... At least 10

WHEN? NOw, 10, 20, 30 years later?

3mil? x mampu la.... i hit half enough 1.5mil not so stress

last i heard is 1mil at least, now up 3x lmao

they are talking of the newly revised number of min 390K to retire min... no longer 240K...


but Ktard standard... if retire no 20K monthly income from all your passives... baek keje sampai mampui jer...

by age 60yo, kids grown up start to work, house loan car loan paid off.

3mil 5% per annum is 12.5k per month blow aircon goyang telur at home.

not counting wife retirement fund.

Everyday switching goal post. By the time retire, no 10 millions will have to live like beggar

In the perfect world where you hv salary increments and minimal monthly expenses, 1 kid in gomen/sjk©. 2-3 local holidays, eat out once a week, money invested in asn/asb/asw/fixed deposit, drive saga/bezza/kapchai to work.

consider inflation already or not? to be safe, i would say 6 mil, baru enough.

This post has been edited by commonsense: Feb 13 2025, 07:30 PM

Whatever monei you've saved up by 2030, irregardless of your age... is most probably be the main retirement sum we would retire on...

Just tweak the figure = content!!

Facts my man, facts .

/k standard, 4mil by 75 age . Dividend 20k per month or 15k per month

300k in epf also quite impossible for alot, want to talk 3 million ?

Haiyaa make it simple la, whatever you save is whatever you get.

Today 1 plate of jiken rice is about RM8.

If you save RM500 per month, it is enough to feed you lunch and dinner jiken rice for 1 month,

If you can save RM1000 per month, it means for every month you work, you can stay retired for two months. The more you save, the longer you can stay retired.

Assuming interest rates (EPF) match inflation, this will be true as long as EPF can keep it up.

No need to use magic crystal ball to predict ringgit value X years in the future.

by 2030, gomen should start giving people option for euthanasia....

coz retirement will be a luxury for a select few only... rest would just need to work till they drop...

If you at 30/40 now, don't bother 3m. At least 4m and other income