Yesterday, 06:59 PM
QUOTE(kangaroonext20km @ Dec 18 2025, 04:44 PM)
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.
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.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.
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.
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