Last time i share my view to take full flexi home loan. The interest slightly higher than a static loan but i can dump money in and take out anytime, no movement restriction as long as no overdraft.

I put in all my rainy day savings into it, including my save car down payment as i was still surveying.

My kolik laugh at me, saying one can earn more with the liquid fund from the stock market. But i am glad i stuck to my plan. House was basically paid off 10 yr into 20 yr loan because all my safety net money offset the interest charged. I just let it sit there untill i have accumulated a bigger safety fund and settled it.

A reality many don't realise.

just pay more every month or cut the loan period by half..the third and quite a painful option.. sell n move to a smaller house

Easy if don't keep taking 9 year car loan every decade lol.

kalao pipe dream... biar isapping pipe jer la..


inb4 v Thats where they got the term 'Data Pipeline'

This post has been edited by soul78: Dec 10 2025, 08:16 PM

Most people cannot retire because of
1) children Charsiew need to pay education or lavish wedding or completely useless have to tanggung
2) extravagant living

Simple

This post has been edited by Roadwarrior1337: Dec 10 2025, 08:19 PM

My work is almost stress free. All I need to do is read, analyse & execute, which is something I enjoy. I’m working from home so I have no stress of traffic jam. So, I am pretty happy to work until 60 years old. No need to take any painful options

The downside is only that I only be reaching /ktards minimum salary few years before I retire

My company they seem to retain those over thirty. Heck all my kolik and boss is 30++ near 40 plus minis same as me. Some even 50++. Even my boss call me back even though i near 40.

Experience vs tokok gen.

Some prefer experienced personnel, some prefer tokok youth.

Not even 50. These days after 35 also difficult. Once hit 40, gg unless in GLC civil service.

Downside ? Rm20k? That’s top 1% earner!

65 yo retire …belum approved? Many countries dah extend.

You misunderstood me. I’m not earning 20k now.

Downside la. Take less stress job, celery also cannot be like /ktards earning 20k before 30 years old.

Ktards semua v keng! 💪

wrong
put in epf you earn much more

Epf kan ade

EPF 6% vs interest 3.85%?

you are telling me that I won't be fired at 60yo? more than 60yo still can find job? who wants to hire me (I only have spm)?

Clearly you do not understand the whole concept.
Would you ALL in your entire net worth into EPF rather than your home loan? Have you observe current BLR + bank interest? Epf beat the blr+bank interest ? You can't withdraw as you like from epf for personal needs.

How old u r??