again, you're thinking malaysia as a perfect world but it's sadly not

there's a reason why people keep going to withdraw their KWSP which we all know they shouldn't
these people don't even have emergency fund, they can't even fork out RM500 if you ask them to now(for whatever emergency)

BNM even revealed a very high percentage of malaysians has zero savings

so now, it's never about when....my answer is you're never gonna be able to afford it in your lifetime if you wanna be super realistic about it else you're gonna suffer for that 30 years just because you wanna buy low quality brick

Dont need to focus on big high level numbers. Im sure u know these numbers compromises all walk of life from drop outs to phd holders, under performance as well as high rising stars.

Focus on improving own self, hard work with discipline, makes friends around and with luck dont think its that hard make 8-10k after 5 years working.

Even small time business owners such as hawkers, servicing industry, automotive repair not that hard to make above 10k after several years in the industry.

Almost happened to me

Put in S&P500,  easily 100% in 5 years.
25% is not a good return.