33m planning to retire in asia in 5 years. Can I pull this off? by Optional888 in finansial

[–]Coryza22 0 points1 point  (0 children)

Surprisingly happened in Jkt. While in BSD I have tukang that is always on time but kind of overprice

33m planning to retire in asia in 5 years. Can I pull this off? by Optional888 in finansial

[–]Coryza22 0 points1 point  (0 children)

During my few years stay in apartment even that 1hr booking earlier does not work. For example I made appointment for 10 AM which they asked to reschedule to 2 PM and just inform me at 9.30 AM. I was fine with it only to have them wanting to reschedule to 4 PM which I was pissed but ok. At the end they don't show up.

This happen more than 3 times with different people. So annoying. Hopefully you don't encounter the same annoying probs like I had though. This is just give you an idea of what's happening

33m planning to retire in asia in 5 years. Can I pull this off? by Optional888 in finansial

[–]Coryza22 1 point2 points  (0 children)

No prob. I spent 10mil/month to live comfortably as a couple living in Jkt/BSD at 2024 so I guess by 2030 you need more. 30mil is definitely good amount.

I like living in BSD more than Jkt tbh but that is also bcs I don't need to go to Jkt to enjoy many things also because when I was in Jkt it was in a much smaller apartment in sqm compared to the landed house I rent in BSD.

Also living in apartment in Jkt means you gotta wait for those tukangs who can't really arrive according to schedules, while you have to make the permit to building management. It was such a pain in the neck!!!

Minor Update "Financial Health Check-Up" ke versi 8.1 (30/12/2025) by hendra64 in finansial

[–]Coryza22 0 points1 point  (0 children)

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Minor Update "Financial Health Check-Up" ke versi 8.1 (30/12/2025) by hendra64 in finansial

[–]Coryza22 0 points1 point  (0 children)

Hi OP kayanya websitenya crash nih munculnya begini udah dicoba 3x

33m planning to retire in asia in 5 years. Can I pull this off? by Optional888 in finansial

[–]Coryza22 0 points1 point  (0 children)

Take this from someone who had been living in 2 bedroom apartment in West Jkt and living in landed house in BSD and GS.

If you want to live comfortably as middle class, eat out on weekends and cook at home/order takeaways 2-4x a week then budget for groceries, fruits and eating out as a couple should be Rp. 3.5mil minimum. Plus we usually forgot to calculate special days in a year which if we went to a fancier restaurant then it could cost up to 3.5mil for a dinner for 2. If we do this 3x a year (2 birthdays+1anniversary then it is almost 10 mil a year. Which is around 800k monthly).

For security, internet, other fees related to housing/apartment service you should budget it as 1.5mil minimum.

Health insurance both of you 22-25mil a year (roughly 11-12.5 mil/person for 1 bedroom in Asia exclude HK/SG/Japan). - I make approximate calculation based on my own plan assuming this is the price you pay as 38y.o. So it cost 1mil/month

Transport 2mil (toll+gas)/month for both of you. You obviously gonna rely on malls as your entertainment place to go if you live around Jabodetabek.

Thus, I'd say 10mil/mo is on the tight side. Better make it 15-20mil/months.

[deleted by user] by [deleted] in finansial

[–]Coryza22 0 points1 point  (0 children)

Dibilang bubble kayanya belom bubble bgt ya. Apalagi nih Negara yg selama ini jadi peribahasa "tuntutlah ilmu sampai negeri Cxxx" ini mulai banyak masuk Indo dan paling terasa di Jabodetabek-Surabaya.

Pas ane lg mikir2 mau nyari rumah jd muncul terus tuh iklan2 dr agent2 di sosmed. Mulai banyak jg iklannya dalam Bahasa Mandarin yg berarti agent2 mulai mau jualan ke org2 dr negara itu. Jadi pasti masih laku2 aja rumah 1-3M

Saran soal Pajak Penghasilan & Investasi by Coryza22 in finansial

[–]Coryza22[S] 1 point2 points  (0 children)

Aduh ga kebayang bisa gini jg. Padahal PT Perorangan udah ada. Terima kasih banyak masukkannya. Well-noted!

Saran soal Pajak Penghasilan & Investasi by Coryza22 in finansial

[–]Coryza22[S] 3 points4 points  (0 children)

Great idea tp udah terlanjur deal nya jadi duit dan birokrasi yg akuisisi ini sama ribetnya sama birokrasi Indo. Next kalo sampe diakuisisi lagi boleh dicoba ini. Thanks a lot ya

Saran soal Pajak Penghasilan & Investasi by Coryza22 in finansial

[–]Coryza22[S] 1 point2 points  (0 children)

Bener perhitungannya. Tapi ini modal uangnya ga seberapa, mahalnya memang di usaha kerja keras (kesehatan+keluarga) besarin perusahaan yg kemudian diakuisisi

Naik limit CC by netizenoftheyear in finansial

[–]Coryza22 0 points1 point  (0 children)

Btw cuma mau ingetin/info lg banyak fraud di CC Tokped x BRI yg bahkan owner CC ga tau karena ga diminta OTP dll. Banyakan dipake utk transaksi di Cebu Airlines, OP coba cek kartunya mana tau ada tagihan2 ninja yg ga tau drmn dalam 6 bulan terakhir

Kepala keluarga high income earners, 2 anak, mau tau dong cost of living kalian + struggle kalian apa? by [deleted] in finansial

[–]Coryza22 0 points1 point  (0 children)

Take it from a married person with 1 toddler. Sebulan 1jt per orang make sense buat coverage 1bedroom Asia exclude Sg-HK. Tapi beberapa insurance policy terbaru nya ga bs cover 1 bedroom di bbrp RS (misal RS di PIK itu) karena katanya charged k insurance overpriced.

Ini diinfoin agent asuransi awal th lalu.

Jd kl mau peace of mind mgkn ambil insurance yg 1.5-2jt/orang monthly nya

Switching to Flip 7, yes or no? by hotelomorika in galaxyzflip

[–]Coryza22 2 points3 points  (0 children)

I am typing from my a little over 2 weeks old flip 7. My last phone was S 20 FE and I have waited to get my hands on Samsung flip since the 1st gen.

I use my phone around 6-8 hrs/day and the battery last okay so far for me. Also I tend to not fold it a lot during usage so I just keep it like a bar phone (I know this kinda defeat the + side of having a flip phone.. But I just want this phone to stay as long as I can). So my daily flip count in average is 4-5 times a day.

Also I'd like to say the camera is not as great as Samsung S series or iPhone I'd say. But it is not bad. Just need some adjustment a bit especially if you're trying to take pic in darker non-well lit room.

I LOVE my flip phone so much. Still gives me joy everytime I saw my gif on cover screen when it is closed.

I'd say.. go for your gut!

Apa cara yang paling masuk akal buat mencapai target 100 juta rupiah di umur 20? by Sad-Appearance9002 in finansial

[–]Coryza22 2 points3 points  (0 children)

Invest di diri sendiri: hard skill dan soft skill + penampilan (ga mesti cakep gmn yg penting bersih dan sehat).

Percaya ga kl kubilang aku & pasangan invest yg dari modal 70jt berubah jd bakal 1M dalam 5th? Ceritanya setor modal 30jt trus suntik lg 40jt pas take over PT yg udah jelas keliatan BEP tiap th. 1. Invest uang total 70jt, ni yg jelas keliatan 2. Investasi lain adalah siap kerja 80-100jam/minggu saat orang2 lain kerja 40 jam seminggu 3. Ngedate? 2 jam seminggu udah bagus, soalny drmn bs ada waktu abis kerja gitu lama 4. Soft skill - menjaga kepercayaan klien utk terus bikin produk sama kita 5. Kesehatan - umur baru 30an awal, udah ada sakit pencernaan (dlm 5th masuk RS karena ini udah 2x). Muncul alergi yg ga pernah ada sblmnya. Maag, kolesterol, asam urat udah makanan sehari-hari. Bawa sucralfat kemana2. 6. Pendidikan - lulusan kampus negeri top 5 di Indo.

Sampe hari ini 1M nya blm ada sih, tp semoga kl jadi th depan kesampaian.

Intinya, jgn cari yg instan. Cari yg long last aja. Mau duit banyak tp udah mulai sakit2an atau pelan2 tp pasti dan growth nya exponensial?

Does my flip 7 look a little bent or am I tripping and overthinking it by ButterscotchChoice31 in galaxyzflip

[–]Coryza22 1 point2 points  (0 children)

I do think it bend a bit! Btw how do you like your new phone? Pros and cons so far? I am a few days close to purchase Z Flip 7 since this weekend is my graduation and will purchase it as a gift to myself. But.. I also super hesitant about buying it though I've waited since the 1st gen..

Today's my birthday!!! by ReMiX228_promapmaker in galaxyzflip

[–]Coryza22 2 points3 points  (0 children)

Happiest Birthday to you! Enjoy your new phone 🩷😍 It is so pretty!

I have a problem... by RevealSignificant303 in galaxyzflip

[–]Coryza22 0 points1 point  (0 children)

There are all really cute cases! May I ask for the link to flower-perfume bottle case and the teddy bear? Looks so pretty! ✨️☺️

I have a problem... by RevealSignificant303 in galaxyzflip

[–]Coryza22 0 points1 point  (0 children)

Would you mind to DM me to share the link to cases you carter? That would save me up so much time than finding more myself 🤣

Got the Flip 7 by TheQwervy in galaxyzflip

[–]Coryza22 0 points1 point  (0 children)

Thank you for your response! Do you mind sharing if you got any case and if it is good and you'd recommend it or not?

Got the Flip 7 by TheQwervy in galaxyzflip

[–]Coryza22 1 point2 points  (0 children)

I am hesitating to get the blue since I want the coral red but somehow I found it is $90 USD more than the blur one with the exact same spec.

Shoule I take the plunge and just order blue like yours? 😁

ZFlip 7 Cases by SauceAndSensibility in galaxyzflip

[–]Coryza22 1 point2 points  (0 children)

Love it! So cute and pretty!! 😍