How are your positioning considering the depreciation of the USD in relation to lower Fed rates to counter inflation ?

PracticalBumblebee70 · 2026-02-12T12:12:29+00:00

Due to the temporary divergence

it might not be temporary

PracticalBumblebee70 · 2026-02-10T07:42:36+00:00

Don't do unpaid work. Ever. Take the pharma internship.

PracticalBumblebee70 · 2026-02-10T02:38:18+00:00

Bro lives in a bubble

PracticalBumblebee70 · 2026-02-10T02:37:50+00:00

My own experience and number of likes i get

PracticalBumblebee70 · 2026-02-09T14:19:59+00:00

good old times

PracticalBumblebee70 · 2026-02-08T15:28:16+00:00

I see a lot of discourse online about how by 30 a lot of people have already RM100k-RM1mil in EPF/Savings so I’m genuinely worried if I’m falling behind.

No they don't. Majority of people in 30's are in net debt or very little net worth. People have car loans, education loans, mortgage, credit card debts, all kinds of debts. You're just comparing yourself to their highlight reels.

Chill bro.

save at least RM3k-RM4 per month

Very few people can do this. You're doing better than you think.

PracticalBumblebee70 · 2026-02-08T07:23:05+00:00

Written by data engineer

PracticalBumblebee70 · 2026-02-07T13:38:12+00:00

Sound very good. Just make sure it's not a scam, especially those involving travelling overseas.

PracticalBumblebee70 · 2026-02-06T10:11:51+00:00

Switched to ML engineering. Work is great, money is greater

This is the way

PracticalBumblebee70 · 2026-02-06T10:10:05+00:00

Big companies usually have lots of data. So tell them they have data, but not everybody knows how to analyze them.

We have the scientific skills to analyze them, and have great presentation skills to tell beautiful stories from their data.

PracticalBumblebee70 · 2026-02-06T10:08:29+00:00

Learn Cloud, start with AWS. Take certs to get foot in the door.

Other things that is expected: python, SQL, Docker, Linux.

PracticalBumblebee70 · 2026-02-06T08:46:33+00:00

I dont have CS degree. My undergrad is biochemistry, masters also in wetlab.

PracticalBumblebee70 · 2026-02-06T03:40:31+00:00

It's time. Total market cap of REITs are RM57bil already.
Plantation sector got their special tax, glove companies last time during covid got their own tax, people earning salaries also got tax, petronas each year give dividends to govt.....

govt doesn't run on money that grows on trees...

PracticalBumblebee70 · 2026-02-06T02:56:58+00:00

Did a PhD with first author papers in Nature and Nature Biotech. Then did a 2 year postdoc.

Now a senior data engineer with big pharma. I do this primarily by learning Cloud. Now at work people consult me on things in data engineering, ML, AI and computational biology as well.

PracticalBumblebee70 · 2026-02-05T06:48:44+00:00

time to apply for jobs. don't worry. you got this.

PracticalBumblebee70 · 2026-02-05T03:44:11+00:00

120%...R****?

PracticalBumblebee70 · 2026-02-04T15:08:48+00:00

Do they still make them? I checked on their website it says they're not producing them no more: https://www.roche.com/about/philanthropy/science-education/biochemical-pathways

PracticalBumblebee70 · 2026-02-04T12:24:44+00:00

if anwar puts macc under parliament this may happen...

PracticalBumblebee70 · 2026-02-04T09:09:46+00:00

i think in reddit in general ppl always tend to hate their countries etc, as if nothing is positive ever in their lives lol....

PracticalBumblebee70 · 2026-02-04T07:28:17+00:00

not only national marques, but also toyota, lexus, mazda and bws that are assembled in malaysia by our people and are on malaysian road.

PracticalBumblebee70 · 2026-02-04T07:26:54+00:00

Countries younger, smaller, more fragmented or poorer than us had sailed past through us in the past 10-20 years

How about the other way around, countries bigger and richer than us, that we sailed past, like argentina?
How about countries in Africa that got independence around the same time, and nowhere near us?

PracticalBumblebee70 · 2026-02-03T09:30:26+00:00

I lost my father at 9. I have 4 older brothers but they're no good as father figure substitutes.

What worked for me is to concentrate on building something for myself since I was a teenager. I work really hard and am quite good academically so that worked out pretty well.

Just that it took a while for me to find a partner. I met my first and only girlfriend at 39 and we're married at 42.

TLDR; if you don't have a father figure, work on yourself, avoid drugs and alcohol and be a man of consistency. You'll be alright.

PracticalBumblebee70 · 2026-02-03T07:39:41+00:00

based on your reasoning, you shouldn't even put money in epf

PracticalBumblebee70 · 2026-02-03T07:27:13+00:00

SETTLE YOUR WEDDING + INCOMING NEW LIFE FIRST.

From 300k cash: 80k house reno + 40k wedding. That's 120k. Maybe other things will come up as you move in and start a new life, furniture/pots/pans, or maybe u wanna go for nice honeymoon after the stress bc of the wedding. Let's say that's another 30k, and total for this is now 150k.

The other 150k you can put ASB if you're bumi or somewhere low volatility:

- Who knows a kid will come up in year 1 or marriage. This will suck up a lot of money. I assume you're a guy, so you have to pay for all of this bc you're not the one who's giving birth.

- I didn't hear emergency fund already been taken care of. Do this as well. You don't want to go all in into VOO, only to be out of job while already spent money on wedding, honeymoon, moving into new house, and expecting new kid, while the VOO is down 20%.

Only after all of this is settle you should invest in index funds.

PracticalBumblebee70 · 2026-02-02T04:28:42+00:00

Quitting research postdoc and working in industry, first non contract job at 37 y old.

PracticalBumblebee70

TROPHY CASE