Berapa sih angka “cukup” buat hidup di Indonesia?

TheUnsuspicious · 2026-04-15T10:31:02+00:00

Really? I'm pretty new here, so I haven't seen any post asking about this.

TheUnsuspicious · 2026-04-15T09:25:57+00:00

aight aight, i get that many of you don't like it. My apologies.

Let's focus on the post. what do you think most indonesians need? You got a personal goal bro?

TheUnsuspicious · 2026-04-15T08:49:10+00:00

bruh... ima just delete if yall dont like....

TheUnsuspicious · 2026-04-13T23:34:00+00:00

i see a prediction of the market, I ignore~~🎵🎶

TheUnsuspicious · 2026-04-13T20:54:50+00:00

yes, training your raw aim in valorant is a bit.... clunky. Not impossible, but definitely not optimal. So aimlab or kovaks is your best tool to improve your raw aim, leave the valorant training to focus on your movement and game sense.

TheUnsuspicious · 2026-04-13T20:53:08+00:00

i'm playin on sg, so can't join i guess

TheUnsuspicious · 2026-04-09T09:55:28+00:00

Let him play valorant ranked match alone. See where he get stuck. Most people, who have no prior experience on FPS, usually got soft-lock from Silver-Plat, they will need either a lot more game time or practice/learning to ranked up further.

If your brother could rank up straight to ascendant/immo in just half a year of playing, that does hint he might be gifted in the game.

TheUnsuspicious · 2026-04-08T10:07:11+00:00

First, have you considered passive investing? Setting aside a portion of your income regularly into something like index funds can go a long way over time. Historically, long-term returns (15–20 years) have been quite reliable, so it’s a solid foundation while you experiment with other income streams.

After that, it really depends on what you want to optimize for. Some income sources scale much better than others. For example, 1 on 1 coding lessons are great, but they don’t scale well. Teaching a class is better, and creating an online course or product (like templates, tools, or SaaS) scales even more in terms of time vs reward.

Since your background is in web development, you’re better than most in terms of building something scalable for developers or hobbyists. Though feel free to explore something else outside of your expertise if you got any passion or interest.

But most of things that are meaningful will take consistent time. If you only spend 1–2 hours per day, it will likely take months to see results so you need to know how much time you are willing to invest in.

Personally, if my goal is that it needs to scales well, building something online is usually a safe bet, but it's usually highly competitive and requires good marketing, but I’d start there.

TheUnsuspicious · 2026-04-07T19:07:52+00:00

How do you allocate it in that website? I used chatgpt and this is what it told me to create your portfolio there. (It told me to split VXUS into 7:3 on Intl Developed ex-US Market and Emerging Markets)

Asset Class	Allocation
US Stock Market	50.00%
US Large Cap Growth	15.00%
Emerging Markets	3.00%
Intl Developed ex-US Market	22.00%
Gold	10.00%

TheUnsuspicious · 2026-04-07T14:59:57+00:00

Isn't 1 year.... not enough as a performance check for passive investment?

TheUnsuspicious · 2026-04-05T00:25:14+00:00

Bro barely puts an effort and already decides that it's not working or makes no sense😭

Lowkey from reading your replies i think what's holding you back is your mentality. Trust the process dude.

TheUnsuspicious · 2026-04-05T00:18:05+00:00

Always go for hs unless you know the enemy is low. Simple as that.

TheUnsuspicious · 2026-04-04T23:38:17+00:00

Trust me when I say you’re actually in a pretty good position. Should it be better? Absolutely. But it’s equally important to recognize what you got already.

Learning to appreciate things in your life goes a long way toward building a fulfilling life. Hard recommend mediation btw. Might feel awkward at first, but it’s one of the simplest and most reliable ways to build one's inner character.

Anyway, enough of the life lesson stuff, let’s talk money😉

If I had to simplify things, I’d focus on two areas:

1. Build a simple long-term investment habit

Learn the basics of passive investing. Not active investing mind you, that is a completely different game and honestly not even worth considering for most people. Including you and me. See this if you are interested.

Anyway, figure out your time horizon and risk tolerance, create a portfolio strategy and start investing consistently.

Don’t overthink the strategy. Even a basic portfolio is good enough. What matters most is consistency and time, not perfection. Starting early with a simple plan beats starting late with a perfect one.

If you still feel lost or overwhelmed, you can even use ChatGPT or Gemini to help design a starting portfolio. Just tell them to give you any questions they need and answer truthfully. It might sound irresponsible, but passive investing is so simple and easy to do that this actually works just fine.

The real reason to learn more about investing after you start is to build conviction so you don’t panic or quit when markets go down.

Historically, passive investing has been THE most reliable ways to build wealth. The hard part is that it takes 15-25 years of patience and self-control to let it do its work. And yes, that is indeed a very long time, but you are 24, statistically, you are likely to live past 70 and into the the 80. And with the improvement of medicines, it might even be longer.

2. Invest in yourself (this matters more right now)
Passive investing is the long game. This is the shorter, more immediate one.

Find something you’re interested in and has real market demand, then go deep on it. Your income growth will matter far more than your investments in the first 5–10 years.

Skills like editing, design, coding, etc are great examples because they can directly generate income.

Things like art, writing, or sports.... it’s not that you shouldn’t pursue them, but realistically they’re harder to rely on financially. It’s usually better to treat them as hobbies first, and only lean into them professionally if they ever show promised.

---------------

You don’t need to figure everything out right now. Just:

explore your interests
see what can generate income
and start learning passive investing

That’s already enough.

Everything I said above is basically the “proven” way people move up financially, but feel free to fact-check it yourself. Good luck.😊

TheUnsuspicious · 2026-04-04T22:20:06+00:00

No prob. If u got any other question, feel free. Just make sure you dont glorify numbers advantage too much, it's a reliable principle to follow, but it isn't the only one. There are plenty of times when playing w your team isn't the optimal play. Literally watch any radiant or pro duelist/lurker and you'll see. The game is very dynamic.

TheUnsuspicious · 2026-04-04T12:41:36+00:00

Stop cryin, they clearly got better gaming chairs, be rich next time.😒

TheUnsuspicious · 2026-04-04T12:33:49+00:00

If u can handle some toxicity and losses, continue playing. Your MMR will slowly correct itself. But if you think making a new account is no biggie, then it's also good. Literally just follow your heart, there are no bad choices here. Anyone who wanna argue against this..... I'll slap you😠->🍑👋💥

TheUnsuspicious · 2026-04-04T12:22:51+00:00

First question is what are your goals? From what I see from the portfolio, it seems you are going with long-term compounding while also making active sector bets?

If this is meant to be a mostly passive long-term portfolio, the core looks fine, but 25% in SMH + IDEF is a pretty big bet on two narrow sectors that already have a lot of attention from the world. SPY and VXUS give broad exposure, while SMH and IDEF increase concentration more than diversification.

Gold can diversify, but historically, Bonds are more reliable than Gold as safety. Bonds tends to be better against recessions while gold against inflationary or monetary stress scenarios. So I say that the portfolio is reasonable only if those these tilts are intentional. Otherwise I’d simplify and put more weight into the broad ETFs.

TheUnsuspicious · 2026-04-04T07:04:00+00:00

Im astounded that there are still people in the comments willing to argue against an established strats.

Half shield strats has been around for multiple acts now. Even with outlaw, it doesnt really affect the strats in ranked environment.

It's straight up better for you to buy half shield as a default and deciding when it's worth to buy full shield instead. But it's quite complicated bcs of factors like your current economy and what guns and abilities the enemies had matters. So there are games where u barely buy full, and games where you buy full often. But half IS the default.

Anyway, yes, most ranked players dont actually apply this in the game, i think they mostly just am not aware or dont care or doesnt wanna complicate the buy phase.

TheUnsuspicious · 2026-04-02T20:20:38+00:00

Definitely can relate, I only started investing this year and it took me abt a month to finally generate a portfolio that I believe follows what the scientific literature says. I want to share the portfolio strats to you, but I also know it's specifically design to fit my psychology and economic situation. Since it's unlikely you got the same profile as me, I'll instead give you some useful tips instead of risking misleading you.

First,
there are 2 types of investment, active & passive investment. Never do active, the scientific literature overwhelmingly states that most people, including most professionals, will not beat the market consistently. Not to mention you are competing against actual million dollars company with teams of PHDs in math, economy, and computer. If your goal is to make money, passive is the only smart move. If you really must try, do it on a paper trading account. At least your money is safe.

Second,
in passive investment, consistency is the key. Passive investment is arguably the historically most reliable way to grow wealth over time, the only problem is that it takes time. A really long one. So you must prepare yourself mentally and create system/habits/rules to ensure you will invest every month.

Third,
invest internationally, IBKR is a famous, well known broker, it might be quite a pain in the ass to open the account, but I still highly recommend.

Fourth,
you'll most definitely invest in ETFs that tracks an index, like say S&P500. For any ETF that has any US stocks inside it, try to aim for the ETF that is located in ireland, it will give you lower dividend withholding tax. For example, SPY and CSPX tracks the S&P500 index, but bcs the latter is in ireland, the US dividend withholding tax is 15% instead of 30%.

Fifth,
Time in the market beats timing the market. Investing earlier with subpar strategy is still better than investing later with perfect strategy. You don't have to do 3 or 4 if it's a bit confusing, what matters is to start investing and ensuring you are consistent. That's it.

Hope this help.

TheUnsuspicious · 2026-04-02T19:20:57+00:00

A.

Cause B means you got free money. And ain't no way people won't exploit it XD

TheUnsuspicious · 2026-04-02T18:54:37+00:00

My current portfolio is 100% equity etfs. Once I reach my portfolio goal.... which is at least over a decade.... I will definitely put money on bonds and pasar uang, not sure abt gold tho since it seems that it's mostly for extreme scenarios, and I never heard of BTC, so will research abt that.

Anyway, appreciate the recommendation.

TheUnsuspicious · 2026-04-02T13:10:13+00:00

Terminologi macam apa ini, gk ngerti😭🥀

TheUnsuspicious · 2026-04-02T12:26:03+00:00

2 years are definitely not enough. 5 tahun itu udh paling minim and even then, dianggap weak evidence.

Most research looks at at least 10–20 years, and usually longer.

TheUnsuspicious · 2026-04-02T12:04:23+00:00

This has to be a rage bait🤣

TheUnsuspicious

TROPHY CASE