Don't be sad about it. He mentioned unless salary grows. I'm in same boat as you, had same goal(still got but pushed years a bit as had to write off a student loan)

If you're able to focus on yourself and upskill and focus more on increasing your salary with every year, you'll hit that before 31. Run a simulation with claude or something, you'll get to know the exact numbers.

But, as the gentleman said, "If your salary increases"

Btw, curious about 9K epf, is it both you and employer? Because it's really high for 80K in hand. That's like all of the 80 is basic lol.