We are Fran & John, a Singaporean couple who broke out of the corporate rat race & retired young in year 2020 at the age of 40 yrs old. Our goal is to share our journey and our stories, on who we are and how we got here.
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As a retiree, I want peace and quiet, so more chance of getting that in Penang than KL. When I want more noise (half the year), I can return to my home in San Francisco...
I find your videos very informative and good. But I would like to give you a tip: please try not to present the information so quickly and nervously. The video can be 20 to 25% longer with the same content.
@@beatericdoenni354 thank you for watching our videos. We try not to make too long videos as people's attention span is getting shorter and shorter these days
Talk is silver. Silence is gold. Because meaningful pauses make your audience think. Used correctly, a pause can be a rhetorical miracle cure. It also gives your audience time to process what you've said and makes it easier for them to follow you in the next part of your speech. I hope you now understand what I mean. Of course, it's good if a presentation isn't too long, but...
I am looking to move to Malaysia (MM2H), which place has affordable universities for studying medicine? Please advice, or a video. My kids will be starting university in 1 year.
KL is much bigger and more cosmopolitan than Penang. Other than traffic jam, KL has more options and conveniences. Penang has its unique vibes than KL, island and coastal setting and local food.
For Asia, I been to Chiang Mai, Bangkok, Phuket, Boracay, Kuala Lumpur, Johor, Penang, Bali, Seoul, Ho Chi Minh, Hong Kong, Shenzhen, Guangdong, Taipei so far, do you know which is the best place to retire that I personally think?
its Penang! Think the food, people, air and weather are the best balance. It has both nature, lively street food and beautiful urban buildings, malls. Love the dimsum, Penang char kway teow and durians there.
@@Jennifer-007 feel free to lower the volume on your device. This is called passion and excitement. Yelling & shouting is when someone is angry. Know the difference
We have to teach ourselves and our children to spend wisely. I have seen a lot who earns $5K a month but spends more than that. 30% personality, 30% skills and 40% self-control.
Prior to Covid, I thought of retiring at 60, but now I don't think I can. Don't laugh at me, I need that sense of security to see income being generated. Cannot imagine if I retire now, won't be healthy for my mindset. I am a typical worker in a company, which so far the work culture is healthy. There is a work-life-balance. I am also taking courses here and there, but not enough to start a career in a whole new area.
Hi Fran, I am a Malaysian residing in Canada. I am proud that you both can retire at the age of 40. I am aiming to retire, the earliest, 60 maybe? I like this video of yours - a lot of great sharing, "No one cares for my money more than myself."
@@user-if9hc4be9q thank you so much for watching our videos. We really appreciate your support ❤️ Reach out to us anytime for support. We aim to do more financial literacy videos to bring more awareness to people.
Boss as a Malaysian myself. I think today Malaysia have become too expensive . Do you think its ridiculous to pay Rm 12 for a bowl of noodle soup. Rm 7 for a plate of Mee goreng?
Today people spend unnecessarily in the name of living the moment. B40 spends like M40, and M40 spends as though they at T20. Today people spend without having to leave thrir home, Shopee, Grab/Food Panda. Conveniece at at price
@@corporatebreakoutcouple Well it is sandwiched between Bangkok and Singapore, it is the central gateway to the rest of SE Asia, diversity is amazing, lovely people, not too expensive, English proficiency (although Singapore are excellent with this as well), affordable prices, very green and modern (even though Singapore is similar) but I think the main reason is that I'm Muslim (lots of halal food and masjids) so I can easily settle in KL without a problem. However, I know I can find halal food and masjids in Singapore and in Bangkok because I have been to those places. While Bangkok has incredible temples, which is what it is known for, but people are unaware that there are a lot of mosques there too and halal markets. Singapore has a Muslim area where Sultan Masjid is located and Halal restaurants around it but KL is just perfect for me. I do love the hustle and bustle of Bangkok and cleanliness of Singapore though
Hi, do you provide information for elderly, healthy foreigners thinking of retiring in Singapore? Would it be easier to just spend a couple of months there (avoiding Canadian winter)? Are there short-term rentals there? Trying to get PR at my age may not be practical.
I love your videos and love your channel. I read on Yew Foong's channel that property can be purchased new or resale as long as its not in SEZ and SFZ. Don't know if that is correct.
@@LittleShanesHouse thanks so much!! We appreciate your support! We have received some updated reports unofficially that it might be the case. But since it wasn't official, best to check with the authorised MM2H agents
Sponsor my god-grandson to Rangsit University. He’s from a poor village in Isaan (North Eastern Thailand areas) Renting a unit in condo near Rangsit in Bangkok (similar to a 2~3 star hotel unit) i.e. 1 living space+1 toilet+1 small kitchen cost 7000baht ($260)per month. In Thailand water, aircon & electrical bills are calculated separately. All in maybe about 8000baht ($300)
Not true about the SG hawker food being more mellow All the expats working at my company, whether British, South African, French etc refuse to eat staple hawker fare available at our office canteen like economic rice, fishball noodles, chicken rice and nasi padang They insist on eating western style food or bringing sandwiches from home. And some of them had nasty things to say about Singaporean food. Eg too oily, too salty, too spicy Some westerners simply cannot handle asian food or detest it for cultural reasons
*Olso we want a very good people...Welcome to Malaysia truly Asia good food, people beautiful beach, skyscrapers & others, Msian likes to lepak Mamak drink Teh Tarik Jom joining Malaysian 🇲🇾💙🧡♥️💙🇲🇾*
My wife and I currently live in Bangkok. We have a budget of USD 4k per month. We live a comfortable Western lifestyle with traveling included. We could never live like this in the US so we are thankful daily for our blessings.
@@Robmar40 wow USD585 a month! This is the reason why for accommodation, Bangkok wins over Singapore. For USD585, you can only rent a small room in a HDB in Singapore
Both locations are wonderful; however, an expat may consider other options (Malaysia and The Philippines as an example) to stretch their retirement dollars. BTW, any plans to travel to The Philippines?
@@steventay5834 will you work for zero dollars? The distinction here is do you need to work or do you want to work? If the answer is you want to work, the next question is will you work for free? Early retirement is a state of mind more than an action. Once someone attains time freedom, they can do whatever they want to do, not necessarily work aka exchange time for money. We give you this explanation to open a new perspective that one still can retire from work and still be occupied, not by working but by pursuing a life worth living. Given the option, most people would rather be doing anything else but work. Work becomes an excuse to not retire because they can't, not because they won't. Another perspective is that one has no goals in life, aimless therefore uses work as an excuse to fill up time
@@corporatebreakoutcouple I understand where you are coming from. If I don't work, I can't keep myself occupied 365 days a year. I play golf but I can't be playing every day. Also, if I work, I can spend and spend freely. E.g. I can change my golf clubs (even though the old clubs are still in good condition). I can go on holiday more frequently.
@@corporatebreakoutcouple I can upgrade my home. E.g. polish the marble and parquet floors. Change furniture. My friend retired. Air cond not working, he changed to a 2nd hand one
@@steventay5834 thanks for explaining more. We totally understand where you are coming from now. From the way we see it, if you want to keep your current lifestyle without being slave to a job that's bringing you income, the best way is to create passive streams of income that can pay you into perpetuity. Then u can choose to use that income to change golf club, travels freely anytime without having to eat into exchanging time for money. Yes, you probably would need to put in a good several years to build that passive stream. However you are already working now but the difference is that once you stop your current work, income stops. Passive income that you build will keep on coming in, even whilst you are playing golf, travelling or sleeping.
Your investing insights are honest and refreshing...rare in this digital media age! Can you discuss how you would adjust your investments given the current and future uncertainties in the world economies?🎉
Our investment strategies have changed due to the fact that we are now early retired. We've let go some of the income sources that was shown on the video and we are now more conservative with our funds /investments. However we will change accordingly to the markets so it's a bit hard to state that we will remain conservative indefinitely. We are still majorly invested in real estate, stocks, ETFs and of course, we are currently building our RU-vid channel
I commend you on your husband on the successful life strategies that allowed you both to retire by 40! Could you do a video on the 8 income streams you have and what it took to succeed? ❤
Hi Fran and John! I can not find any information for MM2h from your vedio! Are you planning to do some investigation on it? We are British citizens and planning to retire in Malaysia, any advice? Thank you in advance!
Hi there! We did another video recently on MM2H Here is the link : ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-A3NM-llL1k8.htmlsi=8bySouYs1m_Pj21e We would advise you to contact an authorised MM2H agent as they are the ones working closely with the govt.
Beautiful area. Very close to Malaysia. Looked like you had the entire beach to yourself. Slow travel is the way to go as a retiree - going at your own pace to explore and enjoy the destination. Safe travels.
@@verselines there are healthy and balanced meals as well in Malaysia. Definitely do not eat hawker fare for every meal. There's always Japanese food, Korean, western, Italian, German etc etc.
nice place to visit as a tourist but don't think it's good to stay long-term. language barrier is huge unless you are fluent in korean. imagine if you need to call police or ambulance for an emergency but cannot communicate properly with them. also the society is quite insular. they are not as outwardly polite or friendly as the Japanese but are similarly nationalistic and protective of their national identity. ie. you will never be able to integrate fully into their social circles and be 'one of them' even if you can speak Korean and live there for very long. But at least with the Japanese from my experience they will be more polite about it in front of you.
