Ayam 30+ ady, still feel like no matter how much I save also not enough.

Car loan, house loan, misc bills… salary masuk then disappear.

Meanwhile see some people my age already “comfortable”.

KTards… at what age you all finally stop living paycheck to paycheck? Do you need to reach tesla-level salary to be comfortable?

Whats a tesla level celery?

Topkek 😅

Those people you see as "comfortable" high chances are also living paycheck to paycheck or even doing worse than you.

Iz a new term im trying to mek popular in /k. tesla salary is ktard standard 20k bring home

Mid 20s. Got side income, so no longer paycheck to paycheck.

Of course you gotta maintain your lifestyle. If lifestyle keep upgrading then of course it's never enough.

49

how much is saving enough for ts?

well -- keep jumping jobs ma 30% increase each time -- then only can reach 20k salary - you mention those in 30s sudah entrepreneurs all bapak punye company.

what kind of side income? shopee? or grab?

Doesn't matter what age. If u paid off all your debts then only can relax stress-free.

I'm in my late 40s. Paid off my last debt recently.

Nowadays just do small cash only business.

Old samans also paid off.

unker about the meet my maker...

still not yet feel free

Laptops.

No shoppee or Lazada that time. All lelong, mudah and garage sales.

You cannot use salary alone as benchmark to be comfortable

I use side income instead. With that I can spend freely on travel, T20 cars, etc

Yini.

Make sure you have multiple side passive/semi passive income plus ur work/biz yincome.

T20 celery woso once u kena retrenched… you woso will quite fast goyang edi how to pay ur commitment.

Savings can only last u jobless for quite sometime wonly. Unless ts have like rm500k and above ler…

Same, late 40s to clear everything.

age of empire when i use chetcode

nothing is enough

Next life hopefully

when u achieve enlightenment that nothing is permanent and stop wanting

Your celery la

Financial freedom 😂. I don't think there is any especially if you r young (unless u are rich to start off with). Personally if you have a passive income that can grow annually and generate more than your monthly expenditure - then u will have freedom. Anything else, just keep slaving and working 😂.

Why TS kena beli rumah and car mah, those loans edy lock u down for years Beh.. New gen no need those things bah. Kenot just rent and take public transport mer?

Salary up rm500, dah Nak change car, up rm1k dah Nak loan 30 years home.

Up another 200, Nak cuti oversea.

Total up 1.7k a month, aka baru up 20k salary a year, dah Nak hidup T20, forever not enough la

I will be financially free when I am dead.

No amount is ever enough. I know what I need and want. I have enough at my late 20s.

financial independence at age 32.

When I retire .....

U see people good, people see u good
But a lot living good is generational wealth

Financially comfortable but not safe and secure.

Currently at 600k after deduct debt, not counting house value.

Age 1. No need work. Just sit at home and got ppl provide food. Then cry a bit then got ppl give present.

When Six Feet Under....

Never

Financially free is no loan or debts to cover anymore right?? If you still use income/side income to repay loans it's still not free financially

I dont depend on 1 income.

If celery income alone is all /k cared for…

Youll just follow the footstep of this 53 year old dude:

see got all nice2 stuff but struggle to pay each month...
for me during school time, financially very free... anything no need pay...
parent pay only...

This post has been edited by vaksin: Dec 10 2025, 01:46 PM

so video just tell take care of own self. n oneed work
no need much money to live... just sell stuff in ebay...

Already at age 39. That was long time ago

This post has been edited by RT8081: Dec 10 2025, 02:05 PM

house loan 30-35 years , car loan 9 years , insurance , parents / family / kids ... sure gg lo . where got excess money to invest .

Since baby

18 years old.

Never, I spend like tomorrow never comes

or maybe another 5-10 years, when most of my main loans paid off, then can spend more like tomorrow will come 2 days after

if u have savings, or pencen, still takut not enough . if u live until 70++, want to hire caregiver, not cheap . even all fully paid off, end up pay caregiver pulak.

the only time ayam felt financially free was during sekolah time.

50.

When receive hell notes in afterlife

Maybe when genting kena jackpot 20m

I financially free not because of tesla celery. But because of tesla shareholding.

Never felt that i was financially bound

mainly depend on what is the lifestyle u want lor

earn 20k ; 5k lifestyle = financial freedom
earn 20k ; 20k lifestyle = like that lor


one of my macai ..earn similar salary with me ; single ; no gf and no plan to have gf ; driving perodua

yes..he is financial freedom.

whereas i am not there yet (atleast as per my expectation)

This post has been edited by fantasy1989: Dec 10 2025, 04:31 PM

until the point i can be jobless with money still coming in to support my expenses, i wouldn't say i am financially free.

Why macai can earn same salary like u?

47+ 😉

no salary no loan, kais pagi makan pagi

that is the time i will decide to become a monk

daheck is tesla salary

ayam boughted second ev tesla, kuli jer

never enough celeri coz at end of the day disposable cash is worse off than a b40

Maybe another 10 more years or so at 45? Kinda financially free atm without kids but I want to have even a better post retirement.

Compounding my money so post retirement I can live similar lifestyle as current.

If you cma answer the question if I got no job tomorrow forever, will I be ok?

If you can answer yes to it you are golden.

The trick is live like B40, use a 10 year old car, rent out your rooms, invest aggressively all the savings. Do not buy lots of insurance, do not invest in Malaysia, do not use unit trust to invest your excess money. Invest for income. Do not fall for yield trap.

I started on my journey in uni itself. That's why I can comfortably answer yes to my question above today. Not T10 lifestyle but mid M40.

This post has been edited by Ramjade: Dec 10 2025, 05:50 PM

Never spend money you have not earned. And try to pay your car or house loan in advance whenever is possible.

i feel quite comfy at 30 at 3/4 k standard.
the only problem is holding on to the job

similar grade

i have few direct report that similar grade level with me

i am more like technical lead + people manager role

he is more like technical lead + tech expert



but i know their salary

owai

This post has been edited by fantasy1989: Dec 10 2025, 07:06 PM

.........
by the time you pay off the house loan.....you are in retirement age and your house might need serious repair.......