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.

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.