in actual fact...it depends how u spend ur monthly income

my wife and I both are working

while every month my salary does all the loan payments and every single expenses, she saves her salary.
it depends how u want to achieve ur financial freedom.

us for instance, we save, we invest and we also do spend...but in calculated ways.

but of coz...that boils down to ur total monthly take home income, ur basic expenses, liabilities, dependencies and so on...

its good to draw down a budget paper so that you can map ur own financial control and budgeting

we dont have any kids yet....yup...some people scared of pregnant, we want baby also not that easy hahahahahahaha

i only have my mortgage to pay and that ends in another 7 yrs at the rate i'm paying.

so for those who wants a fancy car, yuppies lifestyle and all...definitely expenses will go up

my wife & i on the other hand, likes to cook at home
nowadays we go shopping for raw food material...hahahahahaha
ok i do admit we do spend on certain bad indulgences
she for instance has her hair dresser and fashion stuffs which i don't question how much she spends on

i hv my own vices with the big boys toys

so don't get worried how much ur partner will earn...most importantly, can live with what u have now?

is it sufficient for u to survive?

for me...total financial freedom is the day i do not need to pay any loans

wah 14k per month at 22? tats very good....i think i was earning like 2k only when i was 22....kekekekeke
but earning power also depends which line u r in....

although i earn more than 14k now.....but it took me no less than 5 years to reach there....ok...i'm not that young...sheeshhh

but at the end of the day....guys & gals...when it comes to relationship
its wat the both of u r willing to sacrifice for ur partner or spouse

different views with different opinions...my take is....if the both of u r comfortable....then ok
otherwise, it doesn't mean end of the world
reflect and think off how else u can make money

money is out there....its just how u wanna earn it

gals being materialistic...well IMHO....some are some not...that also applies to guys

if one is willing to give and one willing to receive....i think its a mutual agreement...isn't it?

in every line, it is not easy to pocket in high pay.....every single cent paid comes with more responsibility, pressure and so on

me for instance...oredi on pressure pills to control....being paid that much in the company comes with high expectations as well

i hv met many gals/ladies/women....to be honest....i dont think they r materialistic...but in fact bf/hubby is the one who wants to compare with others

guys & gals out there.....there's nothing to compare when it comes to ur loved ones.....

if u think u dont earn enough...its time to buck up, get tat fat bump out of the chair and start delivering more than u should....
start acting and stop whinning

the world is not fair...tats reality
u wanna sit there and be the same d@mn thing day in day out?
so wat u guys doing today to improve?

like they alwiz say....high pay comes with great responsibilities....
unless u r running ur own business....but my take...running ur own business also got its own problem

so being an employee with a fat pay cheque has its ups and downs

geee u guys talked as if the money is earned easily
how many of u guys/gals out there r still students or freshies in the market?

how many of u came from a well to do family who can afford to send u guys to college and universities?

i started working right out of SPM. Family didn't hv money to support.

IMHO, some of u have not seen the real world with some of the postings here. Just naive bout the real world out there.

thanks for being a sport on spending.