Great topic though, seems like lots of 30s here also clueless about their future.

I cleared off my 2x credit card last month after got my bonus, figure i would waste those money on stupid things like clothings and shoes so better use it to pay debt. Also terminated both cards, now only left my maybank credit card. Sold my car last year, cleared some debt also. Yea, owe quite a lot of money because i did not take my finance seriously, YOLO all the way. Wasted my 2x KWSP withdrawal also, buy this and that, should've pay off the credit card that day.

Anyway lessons learned, time of me having fun need to stop for now. My goal is prioritise on clearing debt, keep my ccris record clean and tidy. End of this year i will start scouting for condo, next year bonus i will use it as deposit for my house.

Life partner? Now seeing 1 women, she's funny and smart. Dated her 2 times now, she told me that she be busy with convention in KLCC until September. We have great time during this 2 dates, have long conversation. She's in marketing field, working with hardware and construction material company. If you said "Wah she busy for so long ah? She rejected you already bro, find other women la". I won't disagree, because i do expected a rejection so that it won't hurt bad when she really rejected me. As for now we'll contact each other through texting, see how things goes.

hope for the best for you .

I already had a so called investment house. but things are not always rosy . the stuff they didn't tell about real estate investment is how tiring it is . finding tenant, upkeep, taxes, etc.

lucky for me i have a good tenant, just continue with them .

now if someone say, need to buy more houses la, invest more la, i say screw them. 1 is enough . I'd rather park my money in gold / those boring investment like ASB/ KWSP .

I always had this thought that, do it before the coffee gets cold. u can YOLO at young age, because YOLO at more elderly age will not be a good thing .

but yeah, still coasting by, lots of stuff needs to be figured out , i just want to lay down and sleep my troubles away.....

Buy more house if you have the money, else 1 or 2 is enough. Like you said looking for tenant isn't all smooth and easy, if you get tenants that treat your house like garbage then another cleaning bill you need to pay. Invest in what you see that is much more stable and secure, low risk or risk that you can afford.

Investment wise, i really don't have much money for that. Plus now my goal is to keep my payment on time, reduce my commitment when i have extra money. Focus on this goal first, never too late to invest anyway.

I already figured out life in my late 20s...

No house, wife, kids, etc, is fine... Just chill out but the most important things are these 3:

- Exercise
- Find a means to build wealth as an investment/business to replace your full-time job for self-employment (it can mean learning how to trade, etc)
- Keep yourself creative

That's what I'm doing at this moment...

If you follow by peers, what you need to understand is that these people are average people going about their daily lives. It's average because it's the norm. It is acceptable. But it doesn't mean that you're wrong.

What you're seeing is just people in tons of debt and they aren't coming out of it. So be proud to be different.