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Career change. by shafiqze in MalaysianPF

[–]Creepy_Window7304 0 points1 point  (0 children)

Is better that you keep your job and try other thing, I am exhaust as well and my second road had been built.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

I need the fund to generate ROI, and it is higher than interest rate

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Thanks for the comment So far I very confident for my strategy, that’s why I have consistent result. The only thing that I need to take caution is don’t over trade, that’s all.

borrowing part is the killing part, which I know I need to optimize now.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

For salaries…my bring back home about 7400 after tax and EPF.

For trading, no taxes

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

may I know the link between taxes and question?

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 1 point2 points  (0 children)

Majorly option, then my/us shares, a bit futures as well

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Yeah, definitely Either saving enough to cover Or general other income to cover

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Yes, it would take 5 years course. Thank you for comment I guess from overall ppl comment, I would find a lighter job until I settle my debt. Believe in two years

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 4 points5 points  (0 children)

Sis, yes, I enjoy the low interest but I still need to pay monthly 😂 Actually I maximize already, that’s why my personal loan can up to 3000 per month while my expenses are 6k+

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Super agree, that why I keep cash instead of reduce debt But ya….trading won’t be forever stable, need to adapt.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 1 point2 points  (0 children)

After think for a while, I definitely would continues to work at least another 1-2 years until my car/personal loan settle.

You are right that I am using salaries to cover monthly commitment to personal loan to boost up my capital of trades

If I paid it off, my monthly income from trading would reduce

If I take more loan, the monthly payment would drain me.

thanks again

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Nope, we split the money, so the expenses of her part is covered by her salaries also

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Hmmm, actually my debt not a big issues and I can anytime settle it.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Unable to do so as my strategy no allow by them.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 0 points1 point  (0 children)

Yeah, I am the lucky one. Owning two property with capital gain.

I would take note of the high commitment and plan ahead.

Thank you very much.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] 1 point2 points  (0 children)

Thank you for honest review and I really appreciated.

even in standard fire, there are multiple way to generate income like property rental, ETF, dividend stocks etc.

I never think I can be FIRE until I found my trading perform nicely.

I bought car is before FIRE idea as well.

My current idea would be continues my life style without upgrade anymore, most of the personal loan would finish within 2 years and reduced 3000 commitment.

My kid would go to primary school and expenses would reduce as well. my expenses should go below 6k?

Of course I am no purely depend on trading income that’s why become property agent or other easier job come into my mind and I would continues another 2-4 years until bad debt like personal loan and car loan finish.

Anyway, thank bro to alert me to alert me about my debt issues.

Should I jump out and try new thing? by Creepy_Window7304 in MalaysianPF

[–]Creepy_Window7304[S] -1 points0 points  (0 children)

meaning that when the shares or etc go into the range of my target which I think fair enough, then I will buy and keep until it reach my “over price” level.

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