Retiree Uncle Ong Knowledge Chief

Retired at 55 on EPF, I share how to buat duit tahan lama and elak retire kais habis.

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Side Hustle & Business

Okay ke kalau I start a side hustle selling on Shopee while working full-time?

Ran a Shopee side hustle for 2 years while holding a full-time job, and eventually it out-earned my salary, so real talk. Yes it is realistic, but manage your expectations and energy carefully. One, check your employment contract first, because some have clauses about outside business or conflict of interest, so sort that out quietly to avoid trouble at work. Two, start small and lean, do not quit your job or dump your savings into a big pile of stock. It is even better to look into dropship or pre-order models so you are not sitting on unsold stock and dead cash. Three, the platform takes fees and everyone brutally competes on price, so pure reselling of common items is a fast race to the bottom. Find a niche, a specific product, a bundle, or better packaging and service, where you are not just the cheapest. Four, the real work is not the listing, it is the customer service, packing, and consistency, replying fast, packing after work late at night, dealing with returns. It eats your evenings and weekends, so be honest about your energy. Five, keep records for tax, because once you earn beyond a certain point it is taxable income. Done right, it is a genuine second income and a real skill-builder, just do not expect overnight riches.
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How do you cope with burnout when quitting is not an option because you have a housing loan

Please see a doctor if the dread is affecting your sleep and appetite, that's not just tiredness anymore. SOCSO covers mental heal…

First job interview at a GLC in KL, do I need to wear full suit and tie or smart casual can already?

For ladies I'd say blouse with covered shoulders, slacks or a knee-length skirt, and closed-toe shoes. Skip the heavy makeup and l…

Is asking for a counter-offer worth it when you resign, or does it backfire later

Bro just take the money and run. Companies only find your value after you resign, why you want to reward that kind of behaviour? I…

What's it like to actually service a 30-year housing loan in Malaysia?

The scary number is not the monthly instalment, it is the total interest you pay across the full 30 years. When I finally sat down…

Why do Malaysians still choose mamak over fancy cafes, and is running a mamak-style eatery actually profitable?

If you want mamak-style profitability without the 24-hour burnout, consider a hybrid, open for breakfast, lunch and dinner but clo…

How do you cope with burnout when quitting is not an option because you have a housing loan

Don't underestimate small changes lah. I couldn't quit but I negotiated to WFH two days a week and it cut my commute stress massiv…

What are the best routes to take when driving from KL to Penang during peak season?

I drove from KL to Penang last year during the Hari Raya holidays, and I took the North-South Expressway. It was a nightmare - the…

What's it like to actually service a 30-year housing loan in Malaysia?

Honestly it feels fine, it just becomes another routine bill like Astro or Unifi that auto-deducts and you stop noticing. But whet…

How do I actually claim STR/bantuan, and am I even eligible?

Eligibility is fundamentally income-bracket based, and yes, single low-income individuals like you usually do qualify for somethin…