First you need to cut the spending and live within your means.

Most people have good income but trapped in debt. I did the same mistake when I was younger so now cutting down on my spending.

Second, avoid getting new debt (e.g. car loan, latest phone). I've read and watched over and over again a lot of people boosting about buying new 100-200K car to save on petrol or maintenance cost on current car.

Unker personally working towards settling my house loan before I reach 55. If you are debt free when retired you should be fine. Dont be like some people that take house loan until 65-70 years old. Crazy.

This post has been edited by saiga: Sep 27 2025, 10:18 AM