Ayam 34, no partner, not married, no kids

Asset
Fully paid landed house ( 2.8M Value )
Fully paid DPC condo ( 1.2M Value, renting out at 3.5K/Mo, mantaience fee is 450/Mo ).

Investments
450K in EPF.
~400k IN STANDARD CHARTERED HYSA 3.9% per annum for 6 months,
~ 60+K in cash ( Planning to dump into EPF + 40K from SC account above ) into EPF Jan 2026.
450K in crypto ( 90% BTC , 5 % ETH, 5% XRP ). At peak was almost 600K ealier this year.
~550K in some investment that matures when u hit 47 years old .

Businesses operated
2 Businesses.
1 should be able to sell between 800K-1M
Other business was offered 850K in the past.

Work hours
Work 60-70 hours a week, work on weekends and no take holiday for past 6-7 years. This year took 3 day off to see fwen wedding in Sabah, one day of which was on my weekday offday. first holiday since 2018 i think.

This post has been edited by kangaroonext20km: Yesterday, 04:55 PM

Your:...
Work hours
Work 60-70 hours a week, work on weekends and no take holiday for past 6-7 years. This year took 3 day off to see fwen wedding in Sabah, one day of which was on my weekday offday. first holiday since 2018 i think.

I believes you can FIRE, as you are FI, but i dont recommend you to fully RE, Unless you can find something to occupied your time after RE.
You need to UNLEARN many things and LEARN many new things more. For a starts, there are other lifes other than just work life. I believes there are many other things that can satisfy you in life other than work lifes and seeing your networth rises yearly.

Having achieved FI may not means must RE.

So on your question of "Should you FIRE?", ...up to you. As you are now in a much more better position and more options than many others.

This post has been edited by MUM: Yesterday, 05:45 PM

TS, if you need to ask, means you cant afford yet to retire....

Sure. If I were in your position, I would. Why are you working so hard for? Most important is you can cover your monthly expenses without selling anything. Can you do that? If yes, you are ready to FIRE

If you need to sell off your assets to pay your monthly bills, you need to count correctly with huge huge cushion for safety.

Basically some noise from my dad

He’s very boomer like and very pro China

He thinks like the economy is bad because the youth are lazy..

That’s despite he benefited of working a nice western 9-5 job and a healthy pension 😂

If I do retire early he’s gonna prolly nag a lot

That’s prolly the biggest hurdle

If you retire early you must have things to do or else you will rot away.

Keep yourself busy with what you like.

My parents also like that, initially they are not happy that I choose not to work (LEAN FIRE). Then they accepted it. They told see if you can reach FAT FIRE (challenge). Hahaha.

wah bro so young already want to stop working?

stop working means no more income from your business?
going to rely on investment return only..

later kahwin got anak enough or not?
the road in front is very long bro...

People don't want to work so what? Please encourage more people who have options to not work to be a jobless person so he or she can do what they like.

I know you very pro working.

cannot be so selfish think for ourself only.......

Just to roughly frame it: your networth looks to be in the 7–8m range. If you were to liquidate everything and go fully conservative, say a 2–2.5% withdrawal rate, you’re looking at around 15k a month in spending. Push that up to 3%, and it’s closer to 20k a month. From a pure numbers perspective, fire is already very much on the table.

That said, since you mentioned you are running 2 biz (and assume you’re the owner), you don't actually need to make a drastic, all-or-nothing move. No need to jump in with both feet.

You could sell 1 business, free up some capital and mental space, and then decide how much time and energy you still want to put into the remaining one. Dial it up, dial it down.... entirely your call.

That's the nice thing about being in your position: you’re the boss, and you get to design the pace and shape of your own journey.

I can understand how tiring it is, then on top of that the nuances from parents.

The difference is, I already made that decision, with even less.

Perhaps you can start off by taking half a step.

1. Cut either one of your business. Especially the one that is eating your time up. But don't fill up your emptied out time with the remaining business.

Use that time to rest and do something different.

2. If your remaining business is profitable with a good margin, spend a little and hire a PA to help you with the business. Let PA handle the normal BAU stuff, while you do the decision making and also oversee the business from time to time.

If you don't have the margin to hire a PA, train your team in the business to take over the tasks and upskill them so that they can handle the BAU even if you are not available.

3. Then spend some time with your parents, take them to travel and experience new things together. I don't know whether you notice or not during your 7 years streak, your parents aged significantly. I did.

As much as sometimes you may find them annoying, your time with them is running out.

Last but not least find time to reconnect with your friends and hangout with new people. The reason you want to do this, is to have someone that you can talk to at the end of the day, hangout talk shit and do something together. If you are lucky, you might even meet your significant other.

Hope this helps.

Your time belong to you, your family and God if you believe in God. Not your country or company.

Very well said.

This post has been edited by Ramjade: Yesterday, 08:46 PM

Nahh, don't FIRE, just cut down your work hours.
At yr age, still a damn long way to go.

Cut down and slow down on work. Enjoy your hard work. People with far less already retire.

You're just at 34yo...

I feels personally... Just slow down little... You're already good enough... Mostly covered up....

Don't stop & retired...

yes that is sound advice :thumbsup:

now the hippy new gen thinking
is is slog like hell nonstop
then felt burn out
and want to stop work at very early age

best example is someone in here...
he work non stop sapu all over times works
stinge to the max
live poorly below M40

new cult(ure)?

This post has been edited by guy3288: Today, 10:00 AM

You are prob single cos u work too damn hard, sell the more labour consuming one (or lower yield business), keep the other one and go semi fire for a few yrs first.

Then Do what you want in the interim (consider this as semi fire), maybe get a partner. If you like this lifestyle then consider again at that point in time to go full fire. Going full fire now at your age is too drastic. Your body also cannot take 70 work week to zero immediately.

Two extremely types.... 1 is work like crazy non stop...
Another one is chill YOLO type... Work when feels want to... Take break between before working again....

As for living like B40 lifestyle even have the $$$.... Seems like one fellow LYN member named "RMJD" you're referring to? 😁

It's either 996 or lying flat culture.
Youth retirement villages concept has spread to here too.
https://www.therakyatpost.com/living/2025/1...-gen-z-burnout/

I pity the young gen actually, it is hard for them to find life direction in our current state of world.