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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