Here’s some raw, unfiltered life advice for you at 34, earning RM20K/month:
### **1. Money Isn’t Everything—But It’s a Damn Good Tool**
You’re in the top 5% of earners in Malaysia. That’s power. But wealth isn’t just income—it’s **what you keep, grow, and use wisely**.
- **Invest aggressively** (stocks, real estate, side businesses).
- **Avoid lifestyle inflation**—just because you *can* buy a BMW doesn’t mean you *should*.
- **Build a FU fund**—enough cash to walk away from toxic jobs/people.
### **2. Health is Your Real Wealth**
No amount of money fixes a broken body at 50.
- **Exercise like your life depends on it** (it does).
- **Eat clean**—metabolism slows down hard after 35.
- **Sleep like a king**—chronic stress & poor sleep = early death.
### **3. Time > Money**
You’re not getting younger. **Spend time on things that matter**:
- **Family & real friends**—people fade, memories don’t.
- **Skills & experiences**—travel, learn, explore. Money is useless if you’re a boring rich guy.
- **Legacy**—what will people remember you for?
### **4. Protect Your Mental Peace**
- **Cut toxic people**—even family. Life’s too short.
- **Say NO often**—your time is valuable.
- **Avoid gossip & negativity**—it’s mental poison.
### **5. Don’t Get Comfortable—Get Dangerous**
RM20K/month is great, but **complacency kills ambition**.
- **Keep leveling up**—side hustles, promotions, investments.
- **Take calculated risks**—business, career moves, relocations.
- **Stay hungry**—the moment you think you’ve "made it," you lose.
### **6. Relationships Make or Break You**
- **Marry wisely**—a bad partner can ruin your life.
- **Network with winners**—you’re the average of the 5 people you spend time with.
- **Be generous but not stupid**—help others, but don’t be a doormat.
### **7. Prepare for the Inevitable**
- **Get insurance** (medical, critical illness).
- **Write a will**—death doesn’t check your age.
- **Plan for old age**—no one wants to be a broke 70-year-old.
### **8. Enjoy the Damn Ride**
You’re in your prime. **Work hard, play hard**.
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