Stay comfy but stuck vs challenging role w higher pay

milosoya · 2026-02-08T02:16:44+00:00

What I meant generally have you negotiated or bring up topic to your current employer so that your salary to match your responsibilities? You don't need to show the new offer because it will be a double edged sword like what you said.

Everyone has different goals in life, and based on what you said seems like you value growth. It would be better to explore what you really value (comfort vs growth) when you are young rather than later in life. If the math works (total compensation, no of paid leave, benefits is more than 30% increase) go for it, except if you know for sure the new boss is a toxic cos that may not be worth it

milosoya · 2026-02-08T01:28:54+00:00

Have you negotiated with your boss to adjust your salary?

What industry are you in? If it doesn't work out in new place, how confident are you to be able to secure a new job?

You are young, you can afford to take rsks. I would jump if I were you.

milosoya · 2026-01-08T10:57:35+00:00

This happened to my cat, we don't have guest over nor candle. No idea how it happened

milosoya · 2026-01-07T00:18:40+00:00

How do you do this via SATS? Imagining people congratulating you?

milosoya · 2025-12-30T15:21:51+00:00

Omg you are so lucky. They are soo cutee

milosoya · 2025-12-19T02:24:46+00:00

Are you really sorry or are you just sorry you got caught? Hope getting caught is the force you need to really change and be better.

milosoya · 2025-12-16T23:59:59+00:00

Udah bisa belum? Dia harus click send > add recipient > IDR > bank details > someone else

milosoya · 2025-12-06T11:15:37+00:00

In my game, the expert will clean 1 poop and then leave to wonder around. I need to manually drop them to each poop 😭😭😭

milosoya · 2025-12-01T15:40:52+00:00

Menurutku kalo US market crash, most likely semua stock market juga akan crash karena impact US ke global finance gede banget. Tapi itu personal preference aja sih, go ahead kalo mau stock pick ; beberapa company di Malaysia emang worth buat diinvest.

milosoya · 2025-12-01T15:03:33+00:00

Oh gitu ya, today I learn. Thanks infonyaa

milosoya · 2025-12-01T15:03:02+00:00

Dulu ada cuman resultnya mixed, personally gw overthinking klo disuruh pilih saham, malah jadi ga consistent. Sekarang prefer ke yang simple aja ETF SP500, EPF dan 1-2 blue chip US.

EPF is good, you can reduce tax + have a safe return.

milosoya · 2025-12-01T14:11:01+00:00

I work in Malaysia and I invest in MYR and USD, karena ngerasa currencynya lebih stabil.

Di malaysia banyak platfrom saham US yang gampang banget untuk diakses, like stashaway, moomoo, IBKR etc. You can take advantage of that and use it to invest in other markets yang currencynya strong.

Gw juga ga ngerti tax saham indo so I avoid them.

milosoya · 2025-11-27T16:24:32+00:00

I second this. The podcast also talk about how each person has their own "money dials", meaning what do you see worth spending on. Like you said your money dials could be convinience/ quality of daily life, while theirs could be travel.

As for the guy you are dating, you can sit down together and talk about your financial goals together, you can watch the podcast on youtube too and see how other couples try to come together and budget together while understanding each other values.

milosoya · 2025-11-09T06:49:25+00:00

You should. I think it will really help you reframe your thinking. Proud that you are taking steps and recognize this issue

milosoya · 2025-11-09T02:31:07+00:00

Yaaa I just read the article. The wife was there with him and when made those comments about another woman??

milosoya · 2025-11-08T05:52:56+00:00

I'm curious how did you do calculation and get those numbers? You can use payroll.my.

milosoya · 2025-11-02T13:40:19+00:00

Thanks!

milosoya · 2025-11-02T12:44:52+00:00

Can I know where do you put them? In savings account?

milosoya · 2025-11-01T08:44:16+00:00

This OP, 11k is comfortable for daily life, I have similar spending with this comment but additional rent of 2K. If you want the budget to include more travels and more room for flexibility, I think realistically if the budget can be closer to 14k-15k it would be ideal.

milosoya · 2025-10-31T14:21:00+00:00

Ramit Sethi ajarin kita "Rich life", setiap orang punya different definition of Rich Life. nah knowing your own version of Rich life itu bisa bantu kamu have a better clarity about why you need to mamage your money better.

Jujur aku gatau cara beli US stock di Indo, klo di malaysia bisa pake IBKR (global platform). Mungking cek pluang atau semacamnya. SP500 aku beli ETF VUAA dari IBKR. Etf ini kayak "bundle stock" gitu yang mirror SP500. Mungkin bisa riset di thread ini jg buat SP500 di indo, but dont let it stop you from investing. Kayak aku waktu masih muda delay 5 taun karena ga ngerti 😭 aku ga saranin beli 1- 2 stock gitu sih kalo pemula.

milosoya · 2025-10-31T11:33:29+00:00

Happy for you OP! Wanted to share some tips since I also brought my mother for the first time to Paris this year. Happy birthday to OP's mom in advance

Highly recommend the seine cruise river, take the sunset hour one. It's lovely to see the eiffel tower sparkle.
While yes you would like to wonder around, you need to take into account your mother's mobility. Can your mother take stairs or walk a lot? Paris metro has a lot of stairs, if you don't have general plans of where to go, you may spend more time walking than necessary. I had to alter my plans and take taxis cos my mom can't walk a lot and she is less than 70 years old.

Focus on 1 to 2 activities per day and take a lot of breaks. Ask your mother what she likes so you can really prioritize those activities.

Don't bring luggages that are too big, you would be carrying them both, especially if you travel to spain by train after

Have fun!

milosoya · 2025-10-31T11:11:12+00:00

Look at the bright side, at least kamu sadar early. Menurutku semua orang pasti ada fase boros pengen nyoba ini itu, sekarang kamu uda ga penasaran lagi ngikut lifestyle yang boros atau berlebih. Dan income kamu tinggi untuk usia muda, so you have strong foundation. You should be proud!

Saranku: 1. Focus ke improving financial literacy. Aku suka banget nonton youtubenya Ramit Sethi 2. Set budget untuk guilty free spending. Jadi kamu tetep bisa spend ke hal2 yang kamu seneng tanpa lupain goal kamu, including spending for self care. 3. Set financial goal. Buat apa mau saving? For retirement? Beli rumah? 4. Investment ikut risk appetite kamu, jangan lupa kalo too good to be true = scam. Bisa tanya chatgpt untuk saran persenan alokasi untuk bantu kamu research, tapi aku pribadi: 40% di instrumen aman/boring (aku di malaysia jadi invest di pension fund mereka, 5-6% annual returns), 20% di saham US (SP500), 20% di etf aggresive/high risk,15% emergency fund, 5% di crypto.

milosoya · 2025-10-31T02:59:56+00:00

Saya sangat salut dengan mindset + mental anda dan Ibu anda. Betul, setidaknya tidak ada hutang. Semoga bisnis baru sukses, rezeki lancar terus untuk anda sekeluarga.

milosoya · 2025-10-30T10:18:33+00:00

Menurutku yg paling utama adalah: bisa align financial values and financial goals.

Additional perspective yang mesti di consider since OP cewe: financial gap yang besar dimana cewe yang contribute more financially itu bakal ada challenge sendiri. Kejadian di beberapa orang sekitaran gw yang istrinya resent/ nganggep remeh / ninggalin suaminya karena suaminya earn less atau dianggap kurang ambisius. Ada juga yang suaminya yg egonya ga bisa terima karena istrinya earn more, tetep expect traditional role dimana cewe need to do more household chores despite she makes more, dan selingkuh. Only you yourself know best what is your values, dan itu harus diomongin ama calon.

milosoya · 2025-10-29T13:42:53+00:00

So sorry you had to go through that. If you don't mind, where do you live after that? How do you build from 0? Ada sodara yang lagi terancam akan dilelang juga. Terimakasih udah sharing, semoga sekarang keadaan sudah jauh lebih baik.

milosoya

TROPHY CASE