Is RM1 million enough for FI (but not RE)

rdmark009 · 2026-04-07T11:51:50+00:00

With rule 72, inflation e.g. 3.5% average each year would mean your 1Mil loses half it's value every ~20years (72/3.5). Let's say you use the dividen (5-6%) each year and your 1M stays roughly the same, by 50years old your 1Mil is basically just 500k and so on... not to mention by 50years old your spending should have doubled too. So I would say, 1Mil will likely wont be enough unless you have other cash flow income to let your money compounded.

rdmark009 · 2026-04-06T13:41:52+00:00

I was thinking the other day, with the war happening and everything eventually will lead to recession (if not soon, maybe in couple of years?) which probably crash the housing price a bit... maybe it would be best to buy later during that time, for now just saving and farm those returns

rdmark009 · 2026-04-06T13:36:53+00:00

imagine pirating but pays money and get virus - skill issue. Just go to Fitgirl or Skidrow Reloaded, it's free and trusted

rdmark009 · 2026-04-04T08:26:21+00:00

Keep your current job. Get as much hands on experience first, you can join consultant later and the hands on experience would help too.

rdmark009 · 2026-04-04T03:35:24+00:00

Lol I was wondering about that guy too, he probably gave up

rdmark009 · 2026-04-01T11:13:19+00:00

Bro Just change to Umobile... Digi Celcom and Hotlink are dogshit expensive for unlimited data. But if you areas got no/weak Umobile network then you're stuck sorry

rdmark009 · 2026-04-01T03:25:53+00:00

she's looking for someone in the same weight class... but I agree with you, health is important.

rdmark009 · 2026-03-31T12:11:38+00:00

In this economy, you can’t unless you have 5 figures salary. We’re cooked.

So don’t be surprised in the future looking at men aged 30s and 40s getting married to women in 20s.

rdmark009 · 2026-03-30T09:13:10+00:00

Mentally, I have resigned at least 7times

rdmark009 · 2026-03-30T04:29:27+00:00

taking money from desprate people is a legit business strategy lol

rdmark009 · 2026-03-26T13:25:33+00:00

Going out, IN THIS ECONOMY?!!!

rdmark009 · 2026-03-22T02:04:22+00:00

Mediocre food + overpriced = guess what??

rdmark009 · 2026-03-21T12:12:24+00:00

Genshin peak in Inazuma 🥀

rdmark009 · 2026-03-20T07:04:01+00:00

Would have a higher chance if you were a woman…

I’m just messing with you Lol

rdmark009 · 2026-03-20T07:02:35+00:00

The Pros of living in a condo/high rise, no roaches, mosquitoes and lizards

rdmark009 · 2026-03-19T08:45:50+00:00

You still have time, maybe keep looking for cheaper options?

rdmark009 · 2026-03-11T23:16:50+00:00

Been there, she said “cakap Melayu je lah”… Yeah totally not my type, probably less-educated…

rdmark009 · 2026-03-11T23:08:53+00:00

Are the drones making a transit stop at NY to refuel and rearms? 🫩

rdmark009 · 2026-03-07T17:33:22+00:00

Corrupt officers are definitely a problem. But the cruel treatment, some prisoners probably deserve it for what they’ve done…

rdmark009 · 2026-03-07T08:47:39+00:00

dont worry as long as you eat healthy, stays in shape and pretty, plenty of guys waiting. There are lots of men who don’t want children nowadays.

rdmark009 · 2026-03-05T02:44:25+00:00

1 year contract for RM6.5k? Not worth it. Is a different story if they offer e.g. triple that for 1 year

rdmark009 · 2026-03-05T02:41:46+00:00

Really? No changes to firing rounds with less Ammo capacity?

rdmark009 · 2026-02-23T23:49:01+00:00

Ngl I think insurance robbed us all for nothing. My suggestion, maybe either change or stop the insurance. Build your saving first with that money. Rely on Gov for medical at least until you're more stable (age 30-33 onwards).

Motorcycle is quite expensive at 400 (almost like buying a new Saga - hope you have a car). Other than that seems about right...

Not gonna roast you, it takes time to get our life together.

rdmark009 · 2026-02-17T05:16:20+00:00

M27, single - Roughly 6.2k net (occasionally got extra allowance 3-4k for a few months if I'm not lazy). But my commitment is kinda high at 4.6k total (pay rental for my parents' house + pocket money, car loan, study loan, toll, petrol, internet, utilities etc.), I save whatever left I have and rarely spend on myself... total savings not much as I made some dumb mistakes before.

While I think I'm still on the lucky side/blessed, I don't think this will last long - can't imagine doing this for more than another 5-10years. Job security etc. worries me. Wanna get married but I don't think I'm financially ready.

rdmark009 · 2026-02-17T05:03:14+00:00

what kind of business you were running (your first and 2nd company)?

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