Spending your entire year's worth of saving on something that depreciate in value, have you tried it before?

It could be a super gaming PC, a car, a vacation, whatever.

Will you get buyer remorse?

Imagine you saved up 1 year worth of your salary and then you buy a car with cash. Would you feel the buyer remorse after a few days driving the car?

I think most Malaysian doesn't feel it when they buy a car because they are paying on instalment. Psychology wise, it doesn't feel like you've worked your entire year just for that one thing.

enlighten me how does vacation depreciated in value? 🧐

This post has been edited by ciwi1166: Jun 11 2025, 10:50 PM

It doesn't earn you money.

Once spent, that is it, money gone.

Imagine you've saved up 1 year worth of savings and then you spend on a 2 weeks "Arctic Odyssey" vacation which cost about RM50k.

1 year worth of blood sweat and tears gone in just 2 weeks of adventure.

Of course it doesn't feel that way if you are filthy rich or doing it when you are already retired with more than enough money till you know you can't bring to your grave.

People save up money to chase their dream sometime. They see the value differently than you

Eg some people dump a year saving into camera kit. But they enjoy every single moment of it

No point to judge others.

what you are describing is one off payment, which can applies to all/any buy & sell transaction.

for something to ‘depreciate’ in value, it must be something you are still holding on over a period of time, after the purchase happened.
vacation is about experiences which are not tangible thing.

This post has been edited by ciwi1166: Jun 11 2025, 11:18 PM

Like tat, eat food considered earn money or not ?

brought my family for european getaway...even watched manutd epl game live at old trafford...experience priceless...wife n kids enjoyed themselves..money well spent

boughted bimmer....everytime ayam gun down the car around corners or smoke other cars brings a smile to my face...go touge at genting...kek...smile per mile also money well spent...kekwa

you know the rule, the money didnt disappear

it just became what you love

If you are asking if it is worth it then I would say it depends on how you view it.

If you are talking about spending a few months of savings to eat at Salt Bae's restaurant then no, it is not worth it for me.

inb4, everyone success in different way

-no need spend too much, vacation, just go around the world once, expand your view beyond malaysia political and daily citizen struggle, then u will realise other country are also facing same issue

-epf

-any hobby but vacation come first if able to go

That's a nice way of putting it.

But do you get buyer's remorse though?

Yes i used it to bang someone girl and rest on luxury watches and hookers

IF I DONT FUCK NOW - Takkan want fuck at 40s and 50 s meh.

Life is short - enjoy ur 30s

Easily our best life.

there will always be some remorse if you have a frugal mindset. like for example sure in travelling the experience is great and priceless. but ultimately these are optional thing to do in life? you can still live without travelling

Money earned is to spend

I spent my entire year saving but only amounting to my month salary for my mum’s cancer surgery some years ago.

Totally worth it.

how to regret on gaming pc. use it almost all the time for me. car absolutely.

Been there done that. I dump all my yearly savings into investment. No holiday. Nothing to buy. Now free RM30k/year+. Nothing feels better than getting paid to do nothing.

This post has been edited by Ramjade: Jun 12 2025, 12:30 AM

Use money, feel happy then what price also worth.

Use money but not happy, what also scam.

Same like go 2feidei port. U found nice ride U happy no scam. Bad ride then scam.

Food or vacation or whatever also same. Janji happy. If not, what also scam

you probably will, but you know what's even worse? waiting until you're financially stable to finally buy your dream car, only to realize you're too old for it. the ride feels too harsh on your aching body, it's too loud for your already weak hearing, and way too cramped for your swollen belly. same thing with people who wait until middle age to build their dream gaming cave, only to find they barely have time to enjoy any of it.

I spent on a trip to Europe in my mid 20s. Took a few years to recover but absolutely worth it

The amount of diesel torque + turbo whistle just put a smile in my face every time i floor it

yes food. everyday poop out

Life = Choice

Bought a RM285k car last December.
LOL

That's my Prado!

work so hard dont enjoy what if someday you lost it all or dieded? nothing to remorse if you see the value in return

Paid off housing loan 10 years early. Feels good mang

you are not buying a 'stuff'
you are buying experience, that will never depreciate or dissapear

spend half yearly saving go travel. no regret.

Why need to save whole year and spent one off...EPP 0% kan ada

This post has been edited by gogocan: Jun 12 2025, 08:10 AM

u sure you not creating conditions for not so good outcome in later part of your life?

Starting this year I am planning to travel n fully spend off my yearly savings (passive income-expenses).
Also plan to get a EV that can car-camping.

This post has been edited by MGM: Jun 12 2025, 08:24 AM

regret didnt go vacation earlier in my 20s

should have spent it earlier rather than spending later

spent the money on loved ones and piap her in marina bay sands hotel, then next morning enjoy a nice morning swim in top floor infinity pool.

hell yeah worth it every penny bro

why worry when you can earn it back ?
unless you're telling me that you like that smelly paper money ?

Friend, if I save up one year worth of salary in saving, whatever I want to buy also I think 4 times to spend my hard earn money on

So it’s nice to set a target saving to buy something but in the end will u buy it ? Don’t think so unless it’s something give u returns

aiya. diff people diff needs and wants ma

like you said save 1 year of money.

some want to buy a old bmw an fix it up and drive on weekend
some want to spend on 2 weeks europe oversea trip
some want to cheong every week
some want to invest a DSLR
some want to spent 1 month in Chiang Rai trip
some so many....

diff budget diff spending ma. MYOB

owai

spent on my PC. absolutely worth it. would do it again.

my holiday experience disappear from my mind easily in 6 months.

Worth it. Left and middle key fully paid.

This post has been edited by mois: Jun 12 2025, 08:57 AM


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EU vacation.
Glad it happened when rm3:1usd and pre blm invasion.

you din't tapau home the lady you met? that would last forever

I'm fugly. can't attract anyone.

If you have to ask this question, it means you can't afford to spend.

Even if an item cost only half of my saving per month, I will still ask that question but some people who needs many months of their gross salary or are willing to take years of loan to buy that item could do it without flinching.

I think this is more psychological than actually show if a person could afford something.