Aaron Tang
@mrstingy2014
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📝 Shameless writer at ⌚ Fascinated about optimizing time, money and relationships 🔑 #bitcoin / crypto
Joined June 2014
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1/ Your Money and Your Life
I've been writing articles on the most surprising lessons I've learned about money and life.
Things I wish I'd learned in my 20s.
Here's a thread of the most important lessons:
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My wife finally accepted a really good job offer! 🎉
This was what she had to go through in 2 months:
117 job applications 📝
111 rejections/no-replies
6 multi-stage interviews 👩⚖️👨⚖️
3 more rejections
3 job offers 💼
If you're struggling in your own career, don't give up!
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Scenario: Married +2 kids. Own 660K condo. Honda City.
Income: RM 12000
EPF: 1320
Tax: 630
Loans:
Home 2800
Car 850
Education 820
Food 2300
Children 2400
Bills 420
Petrol 320
Parking 100
SAVINGS: RM 40 ☹️
Where do you think this couple could optimize their finances more?
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Tips for Interns:
1. Attitude is almost everything
2. Be helpful, take responsibility, do great work, be curious
3. Learn how older people communicate
4. Build a great reputation from Day1
5. Make it easy for people to help you
6. Predict the future by understanding the present
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Not a fan of flexing, but hope you don't mind me celebrating supporting a childhood friend's watch company.
Designed in Malaysia 🇲🇾, made in Switzerland 🇨🇭
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22 years ago, my mom bought a savings-linked insurance plan for me. Reason: "maybe you wanna buy a car/house someday."
Today, we cashed all 33k of it out. Not for the car/house, but for Mom's hip replacement surgery. May God bless you for your kindness Mom. ❤️
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1/ Young Graduates: the longer you're without a job, the harder it is to get one. True?
I haven't read enough research on this but this thread is what I think:
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I recently turned 39.
Wanted to share some lessons about money, work, relationships and more — that I learned in the first half of my life.
(And nine years+ of blogging.)
Here's 20+ lessons in 7 critical areas I would tell my 28-year-old self:
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1/ Hey young Malaysian graduates, have you heard about the SL1M program before? Before I got into my current job, I was heavily involved as a partner in SL1M roadshow work. Now I'm no longer directly involved, I thought you might wanna know my thoughts.
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1/ Hey Malaysians, did you realize it's tax-filing season again? Maybe it hasn't crossed your mind yet, so here are some quick tips...
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Just wanna say here our company has 4 months maternity leave policy, but that doesn't make me wanna hire/promote women any less. Rather, we wanna attract more women to our industry.
Good management is balancing business objectives with taking care of your employees.
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10 books that changed my life:
1 Man's Search for Meaning
2 Daring Greatly
3 Moneyball
4 The Subtle Art of Not Giving a F*ck
5 No More Mr. Nice Guy
6 How to Win Friends and Influence People
7 Rich Dad, Poor Dad
8 Choose Yourself
9 The Game
10 Digital Gold
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If you wanna understand love, don't go to the movies and look at young people.
Go to the hospital and observe old people.
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“What’s your best money tip for Malaysians 🇲🇾 so we can do well this year?”
Every year I ask a bunch of finance influencers this question.
Here's a highlight 🧵 of their replies for 2021:
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My SPM 🧵
2002: 9A1s, 1A2 (FU Moral)
Full PETRONAS scholarship, but that single A2 means I'll study 100% locally.
(Most of my Full-A1 friends get upgraded to overseas scholarships).
From spending most of my early 20s with the 1% of 🇲🇾 students, here's what I've learned:
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1/ This is a thread on 11 Do-It-Yourself (DIY) investment options in Malaysia. Why DIY? Because it saves you money and time. Useful if you work a full-time job like me. Ranked from least risky to most...
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Many years ago, a girl I liked told me "girls don't like you because you drive an old car."
I've since learned that cars can be a useful filter against unsuitable partners.
If you don't flash wealth, you won't attract those who find flashy wealth important.
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Was once a Christian boy in a class of Muslims. But my teacher told me: "It's ok, tho I'm different, I can practice my own faith."
Today, even in international companies, I remind my Muslim staff they can pray whenever they need.
I also ask "Please pray for our company too."
I work with non Muslim.
Diaorang tak halang pun kita nak solat, siap ingatkan kita pasal waktu solat.
Kalau dalam group tu even kita seorang je Islam, still diaorang akan bawak kita gi makan tempat yang halal.
Please stop being racist.
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Money Tips for 2020 from 20 Influencers (a thread)
1. Lee Ching Wei,
@iMoneyMY
"Your top priorities should be to manage your debts and improve your financial standing.
Focus on avoiding consumptive debts, which are debts on things that reduce in value."
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Earlier this year, I wrote I'll donate >80% of revenue mr-stingy makes in 2020. Here's the first donation.
Sharing for transparency. Also because I'd like to encourage this thought: if those who have more share with those who have less, this world would be a better place.
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1/ Okay this thread is about the "Balai Polis" scam I suspect some scammers tried on me today.
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Unpopular opinion: most people my generation and younger won't be able to retire comfortably anyway.
Might as well find work you love, since you'll be working for the rest of your life.
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My injured back
Doc 1:
Private hospital
~15 min consultation over 2 sessions
Hurried, quickly ended session, passed me to (unconvincing) physio to manage
RM 235
Doc 2:
UM Medical Centre
~25 min consultation
Took own time to examine, explain & advise options carefully
RM 15
🤷♂️
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1/ Time to file income taxes for year 2018.
Don't forget to maximize your tax reliefs! 🙌
courtesy of
@RinggitPlus
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12 Important Lessons I Learned From "Just Keep Buying." 📕
"Just Keep Buying" is
@dollarsanddata
's first book.
Nick was kind enough to share me an advance copy.
Here's 12 of the most important lessons I learned from reading it:
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Pro-tip for young couples struggling with money: Don't split the bill. Much better to take turns buying meals/things for each other.
In terms of money, it's kinda the same. In terms of happiness, it's 10x better.
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Yesterday, I discovered how to get into airport lounges for FREE.
My wife's premier credit card gives her free access, and she offered to pay for me too.
Lesson: Marry a rich wife
Follow me for more timeless tips on achieving financial independence. 🔥
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Actually there are also many T20s who are generous, kind and charitable people.
The type of people who won't let any1 know they donate money, because wanna be low profile.
Please don't let silly comments from one or two cloud your judgement about an entire group of people.
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Easy things vs hard things:
Easy: save 10 dollars. Hard: retire early
Easy: go to gym once. Hard: get a six pack
Easy: write 100 words. Hard: publish a book
Easy: say hello. Hard: stay in love for decades
Important things are hard. But they start with the easy things.
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If I could do it over again:
- Figure out what I'm uniquely good at
- Figure out what I'm especially interested in
- Find a career that combines both
Above all, understand there's no need to rush.
Now that I'm nearing 40, I understand learning and growing should never end.
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Why do people spend money in seemingly illogical ways?
Just 2 weeks into 2023, and
@morganhousel
drops what might be article of the year.
13 lessons about the Art and Science of spending money:
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@syafieqisa
Utmost respect to those who work hard for an honest living with sincere intentions. May God bless you tremendously and keep you safe on the roads!
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Money concepts people confuse for each other:
1. Income vs wealth
2. Price vs quality
3. Frugal vs cheap
4. Speculation vs investing
5. Investing vs saving
6. Risk vs recklessness
7. Profit vs legitimacy
8. Confidence vs competence
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My investment portfolio 💼 (July 2020):
EPF (KWSP): 69.29%
Bitcoin & Crypto: 14.42%
Robo-advisor: 5.23%
Bond Unit Trusts: 2.69%
Private Retirement Scheme: 2.66%
Amanah Saham: 2.61%
Equity in mr-stingy: 1.63%
Gold & Silver: 0.79%
Insurance-linked Unit Trusts: 0.63%
REITs: 0.05%
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3/ Good results give you a good foundation to build a career.
But they're only a start.
At work, other skills like emotional intelligence, teamwork, public speaking, resourcefulness & grit are much more valuable.
If you rest only on academic laurels, your career will suck.
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Underrated skills: Being reliable, a good communicator, and likeable.
You don’t need to play politics to succeed.
Though a lot of what people call "politics" is actually: knowing how to communicate well, obtaining support for your ideas, and navigating complex hierarchies.
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1/ Thread: Every January, I ask a bunch of influencers their best money tips for Malaysians. For 2019, here are highlights of what 16 personal finance influencers had to say:
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Beginners think they're always right. Professionals know they're often wrong.
Beginners trust their sole judgement. Professionals get help to remove bias.
Beginners are sure. Professionals doubt.
Foolishness comes with arrogance. Wisdom is graced by humility.
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1) 7% or 11% EPF? A short thread with a few scenarios:
If you're struggling, extra 4% per month could be helpful -- for essential things (e.g. food, education, paying debts), but not for luxuries (e.g. new iPhone!)
Use the extra money wisely. 🤔
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Full article here:
If even 12K a month is so challenging, that's super worrying... 😐
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Shoutout to all the books I never fail to pack when traveling but also always fail to read
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@JamesClear
@morganhousel
's masterpiece on money is worth reading no matter how many times you read it before:
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I know it's 11.11, but please don't buy shit you don't need to impress people who don't matter.
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My favorite part of "The Psychology of Money"
A reminder that a life of moderation and balance is already a very good life. ☀️
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Stop making fun of people buying RM 14 Starbucks on your RM 1,000 smartphone that you only use 5% of the features and haven't paid off yet
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Good money tips that can become ("bad") if taken TOO far:
- Avoiding (all) debt
- Reducing expenses (till your relationships suffer)
- Working side gigs for extra income (till it affects your health)
- Saving money (till you feel guilty about having fun)
What else?
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GameStop. Reddit.
An army of Robinhood traders (winning) vs Wall Street Hedge Funds (losing). 🔥
Heck, even Elon Musk is somehow involved. 🤯
If you're confused about the craziest thing in US stock markets recently, here's the explanation.
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Natural to think that wealth = numbers in your bank account.
Other forms of wealth:
- A stable job with colleagues you like
- Uninterrupted family time on weekends
- Weekly social activities with a close bunch of friends
What are some other underrated forms of wealth?
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Earnings is a funny thing. For example:
RM 3,000 to RM 8,000: BIG difference in lifestyle
RM 20,000 to RM 25,000: No difference in lifestyle
Thank carefully if it's worth it.
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What do you think's a reasonable salary to lead a middle-class lifestyle in Kuala Lumpur 🇲🇾 today?
(Assume a family of four. 2 kids, both partners working.)
How much does each partner need to make? 🤔
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Unpopular truth: you have no idea what your passion is (until you give it a try).
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How I manage my own money:
1. Keep expenses as low as (reasonably) possible
2. Be excellent at work
3. Emergency funds: 6 months
4. Protect the downside
5. Invest responsibly
6. Automate everything
7. Have fun
8. Optimize for meaning
9. Keep learning
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25/ I haven't read much research on it but I've seen it with my own eyes; many times. Pls don't let it happen to you too. Sometimes we need to crawl before we walk; run before we fly; and a shit job before we become Tony Fernandes v2.0.
Good luck guys!
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What I wish someone had told me when I was 25. 🙌
1. Comparing with others makes you feel shitty. Avoid it
2. You have time to figure it out. Have patience
3. Talk to people and reflect -- to know yourself better
4. Gain courage by trying new things
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The more you compare, the more you feel like shit.
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2/ One thing I should've done better in uni is learn for understanding, not just to get As.
There's a big difference.
I still got first-class honors by optimizing for exam results.
But today, my engineering knowledge is shaky, much forgotten. 😓
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If you're a Malaysian earning above RM 34K (yearly) after EPF, you need to file tax. But still a bit unsure how? Here's a guide: "How-to: Step By Step Income Tax e-Filing Guide"
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Last week I turned 38.
Statistically, the average Malaysian lives till 76 — so I've probably just crossed the middle.
Here's important things I've learned in the first half of life.
A quick 🧵 summarizing my latest blog post:
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6/ Thanks for reading.
Don't wanna be a preachy old uncle, but sharing my thoughts in the hope you'll learn from our successes and mistakes.
Life can be a wonderful journey, if you keep your heart humble, your mind open, and keep growing.
All the best. 🙌
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Momentous day.
@LunoGlobal
now the top finance app in Malaysia 🇲🇾 on both Android and iPhone. 🔥🚀
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Been seeing a lot of interest in the "XRP Pump" recently.
It saddens me because it looks like many new people are getting in with the fantasy of quick, easy money. 😥
(Pls research what happened to Dogecoin yesterday before buying)
Be careful with your hard-earned money. 🙌
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The best explanation I've read so far on Malaysia's loan moratorium.
tl;dr: Makes sense for most people to take it!
via
@RinggitPlus
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1/ Money is difficult, so I tried to simplify it into simple diagrams.
This thread shows highlights. Full article below:
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9 Things About Love ❤️
•Romance is overrated
•Attraction isn't a choice
•How much you get not equal to how much you give
•There's no The One
•Commitment >> feelings
•Compatibility >> attraction
•Support intentions with technique
•Things always change
•Beware bad advice
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How do you find balance between saving for the future, and enjoying today?
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Don't be afraid of failure. Be afraid of being stagnant.
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5/ You don't hear much about them because they're not trying to shill you get-rich-quick schemes or become influencers.
They've budgeted and saved wisely for many years now.
They find value in their work and contribute to charities.
They're balanced. ⚖️
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5/ Family becomes more and more important as the years go by.
Our parents, who won't be around forever.
Our partners who'll hold our hands through life's inevitable ups and downs. 👫
And our kids, who become the greatest source of joy and meaning in our lives.
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If you're still poor at 35, maybe it's NOT your fault.
Shared some thoughts about privilege, opportunity and the genetic lottery in this one.
And regardless of your situation, what you can do about it:
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Losing isn't bad if you tried your best and lose with honor.
Not like some politicians I know.
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Some questions to help you find your Ikigai:
- What is easy for you but hard for others?
- What do your colleagues ask you for help with?
- What kind of work makes you lose track of time?
- When you were 10, what did you do for fun? Ask your mom
Asked your loved ones too.
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How to stop impulse spending.
When I was in my 20s, I struggled with desires to buy branded stuff.
Today, I can say I've never regretted an impulse buy. How?
A quick 🧵 summarizing my latest blogpost:
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Learning to budget is more important than learning to invest. 🎓
There's many ways to get rich. But without proper budgeting, you won't be able to stay rich.
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How to tell if an "investment" is a scam:
1. It GUARANTEES returns
2. Unrealistic returns (>10% a year is 🤔🚩🤔)
3. Asks you to recruit members
4. Not approved by government
5. Unethical sales tactics
6. Business model doesn't make sense
Got >2 of above, I say 100% scam.
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14/ To be clear, I know many of you actually have skills. What are some examples you ask? Communication, critical thinking and creativity. Easy top 3 in demand.
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7 reasons to vote: 🇲🇾
1. Najib is voting
2. Mahathir is voting
3. Police are voting
4. Army are voting
5. Your family is voting
6. Your friends are voting
7. But most of all, vote because you're the kind of person who makes things happen, not just let things happen to you.
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What have you missed most during this Restricted Movement Order?
I miss my parents. 😥
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What's something critical you learned in your 30s which wasn't obvious in your 20s? 🤔
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Writing this because I wanna encourage young people:
You don't need "cable," connections or to be from a rich family to make it.
Of course, the above are privileges that make it easier.
But you don't need them. Focus on what you can control. 🙌
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Malaysians sharing their investment portfolios thread:
1.
@surayaror
from Ringgit Oh Ringgit
High-risk portfolio including Bitcoin and crypto 🚀
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Getting married in exactly two weeks. Any tips for a successful marriage?
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"Bank Negara’s Annual Report for 2018 revealed that after adjusting for inflation, the real starting monthly salaries for most fresh graduates have declined since 2010." 🙁
Never be afraid to ask for a good salary. But back it up with superb performance.
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Apart from salary, what's your favorite benefit/perk at work?
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You can learn much about investing by studying other fields.
You can also learn much about how the rest of the world works by studying investing.
Best article I've read in a long time. 💡
via
@morganhousel
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p.s. Malaysia has one of the best healthcare systems in the world.
p.p.s. It's not so much about the cost. I would have willingly paid the good doctor 20x. But when you charge high, you have to provide quality.
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NEW POST! 17 influencers share their best money tips for 2021.
For all my friends in Malaysia, I hope you find this one useful. 🙌
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1/ 17 Experts Share Their Top Financial Advice for 2018. Full article in link below, but this thread has highlights from each of the experts:
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Malaysian healthcare system is very underrated. We have much to be thankful for!
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Got my Astra Zeneca vaccination done within an hour at UM today.
Arrived at 3 for 330 pm appointment. Vaccinated at 340, observation 15 mins and out by 4.
Super smooth and professional. 👨⚕️👩⚕️
Well done
@KKMPutrajaya
@JKJAVMY
! 🇲🇾
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Don't just save money; invest and grow it. Your future self will thank you.
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Common fallacies:
Happiness: “If I get X, I can finally be happy.”
Money: “If I get a million, I can finally take care of my family.”
But we end up focusing on the million and forget about the family.
Don't focus too much on the money, till you forget what the money's for.
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There are lazy people from every race. Stop falling back to stereotypes. We're tired of it.
It's not a race thing. It's a personal thing.
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@Kiridaren
Don't worry about comparing yourself to others (who's richer, who's more famous, who's got smarter kids).
Everyone has their own path to walk.
As long as you're growing, learning and taking care of your loved ones, you'll be okay. 🙌
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