my oversea trip spend near 70k

According to wealth reports,  only about 4% of adults in this country have over USD 100k net worth. Implied over 96% of opinion on investment and retirement is unworthy.

Go where?

Report dated 2000?

my oversea trip spend near 70k

Go where?

At least my expensive cars protect me from harsh road conditions, better occupant safety EVERYDAY and by the time my loan finish i still earn some back

But you are suffer your back and mental by buying cheap cars, dicing with your own live EVERYDAY and by the time you back from holiday you only have your memories and social media pictures to brag

At the end of your life,
You wont remember the EVERYDAY stuff but always cherish
memories of something you really aimed for, can be once a lifetime stuff eg wedding, mt everest base camp, expensive car, bike, watch..

Here I am still debating with myself whether to go to spend 2D1N in Port Dickson next week with a hotel room rate of RM350

Good and expensive car is EVERYDAY stuff

As late as 2024.

Malaysian is poorer than most expected. Reality is often hard to accept.

What oversea trip spend 20k?

Port Dickson got what? 🤔

Many Malaysian talk about retiring with millions in the bank.

When ask about how much they can save a month, a lot says around RM2k to 5k, which is a respectable amount.

However, their so call saving doesn't factor in those large 1 off purchase like oversea trip per year or the latest gadget, which could easily eat up quite a portion of the savings.

Imagine you save RM5k every month and till year end you got RM60k saved for the year but in between you've spend RM20k on oversea trips and luxury purchases, how to hit the million ringgit retirement target then?