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?