YOLO

nobody today truly can afford a house no matter how much you wanted it...so stop thinking about it

and you don't need credit card to show others that you have good credit...you just need to be able to show yourself peace

I would argue it's both.

Last time before e-commerce become so prevalent, we don't swipe phone and add useless things to cart and wait for sales every month.

Of course, socmed pressure usually is more towards more high ticket items.

We were taught to study hard get a degree, get a job if lucky get a gf

Then marry and start a family

Now cannot de? But that education was 10 years ago 😭

Now cannot think then what's next after degree?

degree today has become too common
next thing you know degree is useless and masters is minimum
thn PHD is minimum and masters and degree is useless
thn what's next?

it's all heading to a dead end from where i see it

spend so much money to get this and that only to be offered minimum wage by HR/manager
with no way to pay off that education loan
and thn AI overtaking everything ain't helping one bit

This post has been edited by MR_alien: Nov 25 2025, 11:51 AM

yeah just that ecommerce made it easier nia, back then we also still target sales period like mad but we had to actually hunt the bargains physically

Topkek, padan muka. Low pay but wan gaya. So now they know finding money is not easy huh. Small time keep ask parents to buy this and buy that, but when it's their turn, screw up until bankrupt.

500k-999k? if property loan, bank can always lelong, so hard to bankrupt unless someone had multiple properties.

Wife max out all loans, then don't pay and declare bankruptcy

Husband keep the money and pay for her monthly expenses

Same method for those scams companies, just find a scapegoat to declare bankrupt

youngsters so gungho buy properties

meanwhile me unker trying to offload to keep it to 1 ownstay and 1 rental

the others sell sell sell for liquidity


cash >>>>> bricks

I want witness myself impulse buyers with 500k debt. If anyone can find a post/article/press release of this I wanna read.

Because ayam thinks its impossible to rack this amount.
50k I can believe.

All YOLO, and another 10 more years, under 30 will increase to probably 75% bankruptcy...

how?
why bank can't do shit?
some loopholes?

bruh, go big or go home


ohwai

Agreed.
Liquid asset >> Cash >>× bricks

Young ppl like to use future money and pay 2x back,
Syiok sekarang, mati katak kemudian.

Especially influence by those ads and promo in tiktok and online shopping playform. Majority of youngster bought a lot of useless non necessity stuff, high end gadget, cool motorcycle/cars mod for short term pride/attentionhorse. What worse some even been influence to buy condo/house that monthly repayment bigger than their monthly salary.

This post has been edited by stupiak07: Nov 25 2025, 03:05 PM

beribu tanyiah Kerajaan Mahaldahni.

Condo RM500k or
Link house 700k.

Car 200k

Plenty of sub-sale (leasehold with 60 yr left) within 350k to choose from in Klang Valley area.

RM350k with 30 year loan (loan 90%) = RM1.5k per month

If dual income family = can make do

If single, rent saje

Yes have a colleague that in his early 30s. Worked as property agent before. Now worked in my company to standby for property launching (which may be a year away) to get his commision. Basic RM4k now.

Back then pulled the shit of applying RUMAWIP and one premium housing in Bangsar that costs RM800k, VP soon. Got bf some more. Everyday after working, he continue work part time as bartender.

If my project really delay in launching, confirm he HKL already, unless he sell butt at premium price... but BFE just cant fight GFE in making money.