What do we do next?


Have you figured out what do you do when one day you decide to stop working?

Have you thought about how is life after all the daily hustling at work?

Have you imagine the day when you can wake up in the morning without worrying about anything?

Well – it is in my dreams of course for me to able to answer the question above. But the in reality I can do it. Its just that I am always occupied by the current state of things and not preparing myself enough for the eventuality in which I will be free from the worry of life (minus health of course). So what do I do?

I think it is time that I take seriously the path that I am going to take in the next couple of years. At this point, I cannot afford to live that life, but I am sure in the next couple of years I can if I plan my way properly. There are few things that I need to consider:

  1. Financial stability. Money is not everything, but money is a basic requirement for me to do something. I could stay in the jungle – living life like a caveman, but that is not real.
  2. Health. Very important. This is the time, in fact it should have been 10 years ago that I become serious about my health. Healthy body will lead to longer and more enriching life.
  3. Friends. I need friends to survive. Not being married, I do need friends that will be there for me in the time of need. That will be something that I need to cherish.

I guess the rest of it is really up to my imagination. For me – at this point of time, what I want to do is to travel the world. I have not seen the world enough to be able to tell people that I have done this or that. I want to be at the edge of the world, living with the most remote tribe and swimming with the fishes that don’t even exist in this part of the world. I want to go fishing with the best braid fishing line, Go scuba diving, kayaking and Is that all? No. There are a lot more things that I want to do and achieve before I complete this journey.

When do I start?

It starts now. I need to start thinking about my retirement now, in fact not thinking anymore but actually working on my retirement now. I can’t live as if I am a 20 year old, buying things that I don’t need, eating stuffs that will harm me. I need to be focus because I need to be able at some point of time – perhaps in 5 years time to be able to just drop everything and retire. That is the goal. The goal is simple, I don’t need to be rich and be driving a 1M sports car, nor owning a sailboat to sail over the weekend. Life is much more that a materialistic objective. Materiality are just items that we use to fill the void that we create from this highly distracted world. I want to do things that have value. I want to buy things that I know will bring value to me at all times.

This is very close the concept of Minimalist, but I do not want to go to the extreme – but a balance that is enough for me to be able to live life comfortably and yet don’t waste of things that I don’t need. The migration to this lifestyle is happening now. It is starting now. Perhaps I should document those stuffs and move on. I will call it – #thesimplelifeproject. What constitute this? I don’t know. Is is minimalist lifestyle? Maybe-ish. So we shall see.

What would be my first step? I think is to document all the things that I have in my life and start selling them as I classify them into three categories:

  1. Really Need Them
  2. Maybe I Need Them
  3. Don’t Need

The 3rd category is where I should either dispose or sell them. I should do it as soon as I can. On the Maybe I Need Them will undergo an evaluation process in which I will decide whether the item carry value to me or not. If its not, and I am able to live without them for more than 10 days – then I guess I can then downgrade it to the 3rd category which is Don’t Need. This process going to be very tedious as I have way too many things that I need. I am quite sure that if I go thru one by one, I will realised that I have spent so much of my hard earned money on things that I don’t need. The void in my life needs to be filled with happiness that I can get from interacting with friends, writing on this blog or even working. Living a simple life is something that I should go for. It is going to be fun yet challenging. Let’s do this shit!

EPF Withdrawal at 60


Here’s my thoughts:

  1. Some people have too little money in EPF thus they won’t have enough money at 60 anyway. They will still struggle. If for 25 years they can’t make enough, how can 5 years makes a difference.
  2. If they retire without EPF – then it’s hard. They need a source of income – which is EPF.
  3. People who are well prepared for retirement – will need to adjust their timeline for money. But this is not an overnight change. 
  4. Fact – EPF monies not enough for retirement. 
  5. Some people use their retirement funds to fund their kids education, it’s noble but the kids will need to support them later otherwise they will be koyak. 

I myself struggling with retirement planning, I know EPF is not enough. I need to have multiple source of income in order to retire happy. Passive income!! 

Travel dream


Sometimes I always wonder what it feels to travel the world without having anything to worry. Just riding the bike all over the place, experience new cultures and meet new people.

In the past few years, I’ve not travel much due to work commitment. In fact I have not travel much my whole life. During my studies back in the UK, I didn’t travel as much as what normally typical Malaysian students would do. I didn’t back pack across Europe nor took the Eurostar across to Paris. The furthest I’ve gone was to go to Lake Windermere for a competition, fully paid by EDS.

It is my dream to travel the world. Hopefully in my lifetime I would be able to do that. Just jump into my bike and zoom across the continent without any worry of what I have left behind. Obviously I would come back as family commitments are much more important than anything else to me.

Well, now it comes to my retirement plan. I hope to retire early. Perhaps before 50. I can’t believe that I am even considering this, I guess age is catching up and I started realizing that I have not done a lot of stuffs in the past 37 years or so. But all is not lost, we’ve all done a lot in the past and we will do much more in the future. Crying of spoilt milk is a waste of time. We just need to plan for the future and continue to dream and perseveres so that we can achieve our dream.

Enough of whining… Time to move on and plan my next step…