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Malaysian retirement logic very flawed
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 Jun 8 2025, 11:00 AM
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QUOTE(MalcomShorten @ Jun 8 2025, 12:29 AM) I think 5k is easy for single especially when you are older. 30's, 5k is quite easy. 40's, 10k would be easy 50's, 15k shouldn't be much of a problem cause you've already at your peak. Would be much harder if you are talking about having a wife who doesn't work or earning very much less and you need to feed multiple mouths. If single by 40s and 50s maybe its fine to yolo abit. Keep so much for who ? |
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Jun 8 2025, 11:02 AM
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QUOTE(soul78 @ Jun 8 2025, 08:18 AM) mao.. save.. just save... but kturds mao travel pulak... save 20K but spend 40K travelling... in the end... say 5mil unachievable.. even when saving 20K... topkekk Many ppl bipolar kan ? Mulut say safe safe safe, bebeird say travel 20k and buy hp hb. Dunno what to say liao. |
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Jun 8 2025, 11:04 AM
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QUOTE(kiddokitt @ Jun 8 2025, 08:22 AM) Wow! I cannot. 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 and y’all splashing out 26k overseas. This is my B40 life. Tats y if same income, u will end up retiring as a multi million air and the other guy only got 500k. Tepok dada, tanya saiz bra. |
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Jun 8 2025, 01:00 PM
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QUOTE(icemanfx @ Jun 8 2025, 08:43 AM) 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. Report dated 2000? |
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Jun 8 2025, 02:53 PM
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QUOTE(icemanfx @ Jun 8 2025, 01:39 PM) As late as 2024. Malaysian is poorer than most expected. Reality is often hard to accept. Rather focus on things can be improved than high level stats beyond my control. In any situation, there will be those that thrive and those that suffer. Why be bothered with things beyond my control? Rather focus and making the best out of it. |
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Jun 8 2025, 03:05 PM
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QUOTE(dogbert_chew @ Jun 8 2025, 02:31 PM) 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.. I agree. Memories and experiences last much longer than material things or luxurious it is. If those luxury items provides experience and memories then by all means. At least for me lah. I still have recollection of family trips 30 years ago to places like genting, langkawi etc. Not luxury for sure, simple meals and not the most comfortable business seats. But the memory was good enough to last for 30 over years lolz. |
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Jun 8 2025, 05:58 PM
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QUOTE(icemanfx @ Jun 8 2025, 04:52 PM) The reality remains only about 4% of adults have over USD 100k net worth. Unless side income is small or derived from overseas, could hardly escape lhdn. And each person dies by road accident everyday. |
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