Half of the reason is my gf, we have been on LDR for 2 years+, but one thing to consider is that she prefers Msia lifestyle.

About monetary factors, I am still pondering whether the new company can give me the raises like now, I have worked here for 4 years+ with consistent 10~20% increment (I started with RM3,500).

I think the main factor holding me back is the fear of leaving comfort zone and jump into the unknown territory.

One side of me is thinking why bother going if I already can live comfortably with big house & car. Another side is thinking why not take the risk and explore more when I am still young.