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 Frugal partner

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Cubalagi
post Jul 23 2025, 01:32 PM

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QUOTE(TOS2 @ Jul 22 2025, 02:15 AM)

Enough said. Tell me, fellow Lowyat members, how should I proceed? This is my first relationship. And I guess I have messed things up. I have never been a people’s person. I try to be one, but maybe I just don’t have the gene to be one.

I look forward to hearing from you guys. If you want to know me in person, feel free to PM me, I will share my LinkedIn profile or other form of contacts with you.

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Thanks for sharing this long write up.

My observations/views

1. I note first date Nov last year, by May already seriously talking about marriage. Whats the rush here? Take it slow man. She is not pregnant is she? If not, the longer you delay the vows the better it is for you as a man.

If u breakup already, for your next relationship, pls wait until at least 1 year before talking about marriage. Even then, only the theoretical possibility, without going into details.

If havent break-up, tell her you are not ready for marriage. Its her decision then to wait for you or not. If she doesn't want then let her go.

2. Your "ugly face". She at 152 and 60ish kg is not so hot either bro. Fat. Fat girls should thank the stars she has a rich boyfriend like u. Rich but stingy tho 🤔

3. I have to say you at 55kg is a stick. You need to eat much more and build muscles. At least another 15kg, which is an achievable goal within 2 years for a young person without drugs.

4. More later..

This post has been edited by Cubalagi: Jul 23 2025, 01:32 PM
Cubalagi
post Jul 26 2025, 05:58 PM

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QUOTE(Ramjade @ Jul 25 2025, 03:50 PM)
Do test. Tell the girl no overseas trip, no high class meal, if she can buy reduce to clear fruits and vege or second hand item. That's how know you know you got a good girl.

Do simple dates like walking in parks. Don't to very extravagant dates. Girls which dump you because no expensive dates or expensive gift are a blessing.
*
You and your girl will never go overseas at all? Cuti2 Malaysia only for rest of life?
Cubalagi
post Jul 26 2025, 06:02 PM

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QUOTE(Ramjade @ Jul 26 2025, 06:01 PM)
Exception maybe honeymoon use wedding expenses to earn miles. After that likely no overseas trip until FIRE. We both agreed for delayed gratification.
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I thought u already FIRE?
Cubalagi
post Jul 26 2025, 06:08 PM

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QUOTE(Ramjade @ Jul 26 2025, 06:03 PM)
I am LEAN FIRE. We aim for FAT FIRE.
*
ic

You are not against overseas travelling per se..just want to hold off until you reach your Fat FIRE target.When do you expect this Fat FIRE to happen? Early 40s?
Cubalagi
post Jul 28 2025, 04:44 PM

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QUOTE(Ramjade @ Jul 26 2025, 08:21 PM)
By 45 by calculation. But if lucky by 40.
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The drawback is that once u reach your Fat FIRE age and be more easy with your spending, your are no longer young.

Travelling when young, one can be more more carefree, more adventure and more rough. Once older, its different, more about comfort and safety.

Im already uncle age, and recently went for overseas holiday with GF. So we had an activity where we had to climb up and down steep cliffs to get to some picturesque sites. The day was sweltering hot and, halfway back, I got really winded. Couldn't walk anymore. GF already worried and thinking maybe she has to call in rescue 😅. Lucky after a rest, I managed to finish.

Make me miss being young. On the positive side, that incident was a wake-up call to rebuild my fitness level. Nowadays my VO2 Max is pretty decent.

Other than loss of youth, there is also travel inflation which is higher than normal inflation. Like holdiay in Europe now is already so costly compared to 10 years ago. Cant imagine 10 years from now how much will it costs.

Then there are changes due to overtourism, climate change, conflicts etc. Some places will no longer be visitable or to be avoided.

Im glad that I have travelled all over..with my SO, with family, friends and even alone. Great memories for a lifetime.

Tldr dont wait too long.






Cubalagi
post Jul 29 2025, 01:07 PM

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QUOTE(Ramjade @ Jul 28 2025, 05:02 PM)
That's why I am doing anti aging things as well. Don't depend on private sector. Malaysian health care is not geared for preventive.

Simple stuff like fasting, strength training, infra red radiation, proper supplement (vitamin D3 with K2, magnesium, fish oil, astaxanthin, broccoli extract, high dose nattokinase etc), good sleep, high temp shower (mimic sauna), minimum carbs, take lots of berries and purple food, high vege and fiber diet (min 70% per meal) high polyphenol extra virgin olive oil are what I am doing currently.

If you have the money spend it on health. Do not compromise your health over money.
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Good to hear that you r not stingy with health and food.

Stall, food courts and fast food regularly are affordable but not healthy.

Cubalagi
post Jul 29 2025, 09:39 PM

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QUOTE(jasontoh @ Jul 29 2025, 02:06 PM)
I think the key is actually balance. You cannot be too frugal or too spendthrift in a relationship. Imagine, if you are more willing to see additional zero in your account rather than occasionally rewarding or spending extra on your gf/partner. This eventually creates a lot of problem if wanting to build a family. I personally know of some couples who are actually ok to be frugal until starting a family.

Not saying that we should be having fine dining every week on date nights etc, but occasionally show our appreciation towards the love one are actually healthy. Money is not everything, and we should not have found security in money. Having great financial goals are great, but there is almost no point of doing that if we are not going to spend some rewarding ourselves and our family.
Including EPF?
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If one choose to live a FIRE lifestyle then the partner must also want the same. Otherwise going to.be problems. Like TOS2 there.




Cubalagi
post Jul 31 2025, 09:42 PM

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There is frugal and there is FIRE frugal.

Frugal is living below your means, usually saving 10-30% of ones income monthly. This one is already tough for many people as can see people bank account gone at end of month.

FIRE frugal is living WAAY below your means, This is saving more than 50%, maybe like 70% of ones income monthly.

Cubalagi
post Aug 7 2025, 12:36 PM

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QUOTE(redracer2004 @ Aug 7 2025, 10:22 AM)

That's why, to observe a girl the best is to observe her parents and peers.
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Just connect on instagram, and then look at their lifestyle. holidays, activities, fashion taste.




 

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