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

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