Ayam have 2 business

Business A makes 15-20K/Mo but have to work 6 days a week ( 9-6.30 ), only off 1 weekday, and never take any holiday for 6 years d ( local Malaysia ). Used to make more ( Close to 30K/mo ) but economi really going down, people no buying power, can see getting worse. Ayam also getting older, less energy to do.

Business B makes about 15K/Mo on average last year. Is online business. Ayam answer support ticket periodically during the day, some days spend 1 hour answering, some days 0 minutes, Average maybe 5 hour/week work, but have to answer when phone notification go off. Everyday spend 10 minutes doing accounting ( Saving invoices ). Can basically become a digital nomad as everything can be done on phone, slightly slower than on any laptop. This year seems to be 16-17K monthly ( Subscription based service )

Now 33 Y/O stay with dad at home.
Own 1 Desa park condo @ 1 mill fully paid haven't rent out ( Approx 4.2k/Mo rent , maybe after mantaience etc profit 3.5k ).
350K in EPF. 350K in stock. 400K in BTC. 41K in some great eastern investment fund

Business A probably invested 900K so far, if sell now maybe can only get 500-600K
Business B was offered 850K to be bought in the past, but because so easy to work, I did not consider it.

I have a 1855/Mo car debt for 5 years ( 2 % Interest ).

I have also budgeted something monthly for myself

INSURANCE 504
Dog 300
PETROL 150
CELLPHONE 90
NETFLIX 70
CAR MANTANENCE 200
FOOD 2500
MISC(SHOPEE impulse buys) 500
APPLE SUBS 50
UTILITIES 500
ENTERTAINMENT 1000

Therefore, monthly outgoings at current lifestyle : 7720
Insurance is 6050 a year but half goes to some investment fund that historically goes up about 4.5%/Year

This post has been edited by kangaroonext20km: Jul 10 2025, 03:13 PM

Ahh I forgot to mention if Business A I work less there’s almost no more profit.

For example if I don’t work on weekends we can say that my profit drops to probably 5-10k a month instead of the usual 15k. And if I let someone else work in my place ( eg I don’t work there just maintain the business ) it probably goes to 0 or maybe negative.

The business A is a dental clinic that is in a middle or lower middle class area where the profit margin is a lot slimmer than higher end/ more expensive clinics. I already have an additional dentist working in my clinic for 6 days however a significant % of patients would wait for me to have open slots.