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green~tea replied at 13-9-2021 07:55 AM
Yes kawan i muslim.... huhuhuhuhu.. i tak tanya lebih2 coz she is still warded... bg time utk dia ...
Legaaa mak.. betul la.. pau shuben detim smlm tros rasa horkeh ahahaaa jgn la kena krisis
Eh betul jua kn. pela meols nih. Bgos chuols mikir gitu |
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I pon plan nak retired by 50. I nak travel around the world. Time tue anak bujang i dah 16. Anak dara dah 20. Boleh la ibu nak menunaikan hajat ibu. Gituuu.
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Now..tgh mengalaminya..Feel sometimes sesak..rs byk bnd nk kn settlekan..mmg rs perlu buat byk pengorbanan..Baru je menjengah usia 35
Hopefully boleh lalu ujian² ni.
Set reach 40..dh back stable & xde yg unnecessary thing nk kena pikir.. |
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green~tea replied at 1-9-2021 10:55 PM
Maybe... some people says midlife crisis ni mcm seolah2 you're climbing your career ladder, only t ...
Untuk career..rs mcm dh xleh nk pi jauh..klu nk pi jauh..or jump to better position perlu sacrifice Fam lak..Tu Yang Keputusan sukar..
Now just fokus nk bagi wife rs hepi & bonding dgn ank²..35 Masih Muda tapi dh rs mcm² |
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green~tea replied at 3-9-2021 03:52 PM
Nak tambah.. i dengan husband, dulu2 masa involve with bursa pun... kitorg beli bluechips je.. pe ...
Ok
Point invest unit trust & manage sndiri.. basically mcm mn Tu sis.. normally Ada ejen buat..klu Kita nk handle sndiri Ada ke class or website yg leh ajar ni..
Mmg duk pikir nk biakkan duit dgn Cara ni..try Gak utk involve dgn bit coin..but msih dlm Perancangan |
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Edited by green~tea at 19-10-2021 11:23 AM
untuk investment i ada bukak thread kat board econs, ada thread pasal retirement plan.. hahaha.. sini tempat i layan KRT...
unit trust ni i pernah try macam2 cara..
- pernah ada 3 ejen unit trust.. bagi i deme2 ni sume bangang takde knowledge dalam econs pun, jadi ejen unit trust sbb nak cari sesuap nasi tapi pemalas. mmg malas, i tanya apa2 pasal market semua tatau, gagap nak explain... mmg deme ni nak untung atas angin je tau makan duit komisyen... all 3 i dah kick out.
- i pernah manage unit trust sendiri dengan berpandukan e-KWSP... dalam e-KWSP tu ada tools utk filter good performing unit trust funds... then lepas kita dah select fund mana kita nak masuk, then just log in online je la CWA or PMO (public mutual online - kena register kat kiosk PM HQ). My best achievement is bila i sendiri on my own knowledge and instinct, i berjaya dapatkan REAL GAIN RM80k profit in 2020 melalui public mutual... tp i masuk banyak ler, untuk RM80k profit bersih tu, i masuk RM400k initial investment huhu... kalo ikut percentage, takde laa banyak sgt.. ok laa reasonable... i dah tutup my account di PMO.
- now i masuk unit trust pakai customer relationship manager (CRM) maybank... diorang knowledgable in giving market advise, well versed in products... now almost RM 1 mil i park my cash in beberapa Maybank Unit Trust fund. okay laa tengah beranakkan my capital gain
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green~tea replied at 19-10-2021 11:11 AM
untuk investment i ada bukak thread kat board econs, ada thread pasal retirement plan.. hahaha.. si ...
Terbaik ???????? Sis
Initial investment Tu dah tggi..mmg mabeles return tu |
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Tue orang kata, jaga2 umur 35-40. Banyak dugaan dan pancaroba.
Ai pon within that age now.
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Tue orang kata, jaga2 umur 35-40. Banyak dugaan dan pancaroba.
Ai pon within that age now.
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Author |
Post time 25-10-2021 06:54 PM
From the mobile phone
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gadis_tulip replied at 25-10-2021 11:17 AM
Tue orang kata, jaga2 umur 35-40. Banyak dugaan dan pancaroba.
Ai pon within that age now.
Iols bercerai masa umur 36.. masa nak buat keputusan tu takut2.. solat istikharah.. solat hajat... tanya kawan keliling, consult family & my dad.. before divorce, 1 year i baiki my financials... terlalu takut buat keputusan but then i am okay je survive... wish i did it sooner, takde lah i murung lama hadap ex in laws...
Rasa cam berani buat keputusan camtu sbb financially dah stable.. and sbb dah bergaul dgn kawan2 and dpt cross check apa yang normal, tak normal... pemikiran pun dah matang... |
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Author |
Post time 25-10-2021 07:01 PM
From the mobile phone
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Ohnak replied at 19-10-2021 01:59 PM
Terbaik ???????? Sis
Initial investment Tu dah tggi..mmg mabeles return tu
Sbb i pernah jatuh tergolek teruk.. jadi sedar penting nya financial literacy.. mujur ada stable job, senang nak bangun balik...
Then husband plak mmg investment blogger... his blog used to be famous.. tp dia tpaksa stop blogging, and delete blog dia tu atas sebab2 security and reputation... he used to attend all sorts of property and investment course sejak 2007.... he even did his masters thesis in property market bubble phenomena
Kitorg both byk tgk video, baca buku and discuss bounce ideas berdua.. kebetulan kitorang skang dah dijaga oleh same CRM (relationship manager).. so lagi senang i nak invest or manage financial.. |
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Author |
Post time 25-10-2021 07:03 PM
From the mobile phone
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Edited by green~tea at 25-10-2021 07:05 PM
In 2018, i attended retirement course yang company i sponsor.. i shared my knowledge yang i kutip from course tu and summarize content retirement plan dalam thread forum tak silap i kat board borak tajuk retirement plan tu... banyak yang i dah implement hasil kursus tu... unit trust investment, pengurusan harta pusaka.... diversification.. i tak dapat la nak cerita detail, sbb setiap item is so dynamic and kena customized according to your own strategy and condition |
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Untung you sebab dikelilingi dengan orang2 yang hebat and boleh bagi opinion and advice. Plus you keje kan? So, memang fikiran terbuka.
Kebanyakan yang takut untuk proceed dengan cerai even dah sampai kena tibai, sebab takde support system kat belakang. Duit simpanan pon takde, memang kena harap laki.
Tue i rasa kite orang perempuan nie even suri rumah kena pandai bersocial untuk buat minda kite open. Boleh berfikir dengan waras. Takde la nak duduk bawah tempurung je.
And i rasa range 35-40 nie, ramai akan mengalami mid life crisis.
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honestly, kita sendiri kena tapis dengan siapa kita bergaul.. if kita masuk group achik bawang, KRT and gossipers.. mmg tak ke mana quality of life kita...
tp kalo kita bergaul dengan orang dan sama thinking wavelength dengan kita... insyaAllah hidup kita will be enriched....
bergaul dengan semua orang secara biasa2 aje for networking, tp jangan terlalu rapat... pilih2 laa dengan sapa kita nak seek guidance and open up...
networking penting, sbb it will open up to vast opportunities... masuk clan2 yang kita tak sangka... bukan senang lah billionaires nak open up, biasa diorang stick to their clans sahaja...
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Iye la you. Bila dah makin tua nie, circle of friends i pon makin kurang. Focus more to family and diri sendiri. Now mental health is more important. Tak suka serabutkan otak i dengan macam2 hal.
I bersyukur jugak sebab famili both my parents and my in law, kecik. And takde acik2 bawang sibuk nak jaga tepi kain orang. Keje pon alhamdulillah, tak terlalu stress, takde politik sangat since i am in tertiary education. Tapi kadang2 pon bosan buat bende yang sama, ajar subjects sama for these 8 years. Pernah rasa nak benti and jadi tai tai kat rumah. haha, tapi tak jadi sebab i tak boleh dok rumah melangut je.
so, just continue rutin harian macam biasa. 
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Author |
Post time 27-10-2021 10:45 AM
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gadis_tulip replied at 27-10-2021 09:44 AM
Iye la you. Bila dah makin tua nie, circle of friends i pon makin kurang. Focus more to family and ...
Yeahhh.. I pun tak mampu melangut duk rumah.. ada je benda nak dibuat... keeping our minds active, polishing skills..
Multi tasking memenatkan otak.. tp sometimes is good sbb it challenges us and avoid becoming plateau |
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Alhamdullilah I can say my life start at 40s.
I feel more enjoy bila masuk angka 40.
For me the more critical time masa umur 30an. Anak2 baru nak membesar, maid lari adoi pening. Tambah lagi kerja.
Masuk 40 tiba2 dapat banyak "attention". Ramai cakap I look more younger and cantik sekarang. Maybe sebab dah tak serabut kot so boleh nampak kat muka glowing mowing.
Cuma I noticed I dah small kan my circle of friends, I lebih berani I nak buat apa.
Me time selalu and weekend date with my husband. Senang cerita pergerakkan I lagi senang and hati ni boleh rasa "happiness"
Usually I start my life at 3.30. Solat Sunat semua - Subuh - prepare breakfast for anak2 sekolah and husband. Buat all housework before pi kerja.
sometime lunch time I try have "me-time" di cafe-cafe dekat office. Have slice of cake and latte pun dah seronok.
One thing my husband ni kurang demanding sebab dia pun busy so I have more time for myself and weekend memang keluar date with him or with anak-anak. |
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Author |
Post time 30-12-2022 09:24 AM
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kimoree replied at 30-12-2022 09:07 AM
Alhamdullilah I can say my life start at 40s.
I feel more enjoy bila masuk angka 40.
Awal nya u bangun pagi... u masuk tido kol brape..
I biasa masuk tido kol 10, bangun kol 6 - 630.. settle apa patut.. kalo masuk ofis, around 9-10 sampai... kalo wfh, terus je checkin lepas settle anak, nephews...
Lunchtime i usually kat gym ofis je, sbb byk fun classes & friends kat gym waktu lunch.. husband I plak workout lepas ofis hour, sbb preference dia jog dekat taman...
I rasa my actual midlife crisis is masa i ambil 1 yr unpaid leave earlier this year.. LOL
The best decision EVER....
Betul2 rejuvenate my body, mind, soul....
Cuma financially challenging sbb i menten aje my expenses and lifestyle masa 1 year unpaid leave tu, tambah plak i beli kereta baru (rm430k) sebelum i start unpaid leave tu...
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I masuk tidur awal you....9.30 malam.
Usually lepas solat sunat semua pukul 3.00 pagi tu I tak tidur dah. Kalau tidur lagi sakit kepala.
Usually baringla atas katil sambil pegang tasbih.
Tapi from 9.30 sampai 3.30 memang I deep sleep la and I tak kunci jam pun but my body clock akan woke up around this time.
But Alhamdullilah I tak feel penat or mengantuk pi office pun. Siapa yg rapat dengan I semua pelik sebab masuk office I still looks fresh and energetic.
I tak makan any supplement pun cuma I amalkan jamu since muda so I can see the result sekarang la. Muka tak nampak tua. I dah masuk 40an but orang ingat I baru nak masuk mid 30s. Kalau meeting dengan government sokmo la depa letak my name Cik Suri instead Puan Suri.
Hahhahaha....
Lagi satu I suka bergaya and I pakai saja apa I suka dengan kesusaian my career. As I said bila masuk 40an ni I lebih free and buat apa saja I suka. I dah tak fikir apa orang nak kata. Confident level tiba2 naik 200%. Sometime I fikir maybe I ni late bloomer and life begins at 40s.
Cuma tahun ni I dah start ambil supplement mcm Biotin for hair, Fish oil for my heart walaupun hari tu buat medical check up cakap tak payah ambil supplement pun because my result excelent. Tapi I tengah study nak start EPO. Kena start fikir for menopuase nanti.
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Bila you mentioned about finacial kan.
I rasa this one of reason kot my life tak serabut.
Everything paid off by my husband tapi I still la kerja sebab I tak boleh la duduk rumah you.
I suka bergaya, jumpa orang. I pernah rasa depress masa zaman covid sebab Masa tu WFH.
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Post time 13-9-2021 08:04 AM
