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Medal khas "Senior Forumer" untuk yang daftar CARI dari tahun 2001 hingga 2010 sahaja. Untuk tebus, sila klik disini
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Sindrom H.E.N.R.Y... uolz pernah terjebak?

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Author: green~tea       Show all posts   Read mode

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Post time 17-8-2021 04:43 PM | Show all posts |Read mode
HENRY ni membawa maksud High earners, not rich yet (HENRYs)

dengan kata mudahnya, puak2 T20 dari segi income, tp lepas tolak segala mak nenek commitment, perbelanjaan, terus balance gaji tinggal seciput jurrrr utk buat simpanan...

Income mereka usually between RM250,000 - RM500,000 setahun (T20 lah khuensss kiranya ni) equivalent to RM20k above per month household income...  TETAPI lepas tolak commitment Rumah,  kereta conti (BMW Mercedes), tolak TAX, schooling anak2 (biasa diorang hantar international school, integrasi, islamic international), groceries, utilities... lepas tolak sume tu, almost takde langsung savings utk masa depan... usahkan nak kumpul emergency savings, retirement fund lagi laa sayup mata memandang nak dicapai nya....

Some KEY TAKEAWAYS i ambil dari investopedia


  • High earners, not rich yet (HENRYs) are people who have high incomes ($250,000 and $500,000) and the potential to be wealthy in the future.
  • Most of a HENRY's income is allocated to expenses than investments and savings.
  • Luxury brands, such as Louis Vuitton and Tag Heuer, have found HENRYs to be a lucrative market segment and are now incorporating them in their marketing strategies.
  • HENRYs are labeled the "working rich" as their rich status is largely attributed to their working income, not their accumulated wealth.
  • HENRYs can move to wealth by reducing debt and increasing savings and investments.

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Post time 17-8-2021 04:49 PM From the mobile phone | Show all posts
Dulu aku dlm t20.. tp yg bagusnyaaa aku selalu bermasalah dlm keje.. asyik nak berhentii everyday.. so somi suh tuko lifestyle.. jgn pandang org.. satu lg semua perbelabjaaan somi yg tanggung.. kiranya gaji aku mcm takdelaa.. lopes aku berhenti hapy happy ajo
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 Author| Post time 17-8-2021 04:50 PM | Show all posts
iols sharing topic ni sbb i sendiri pernah terjebak dalam sindrom ini between 2013 - 2017.

kenapa i detect i terjebak dalam sindrom ni within those years? sbb bermula 2013 onwards until 2017, i notice i tiada membuat sebarang pembelian asset, or accumulate my wealth/savings within the years. i ada la simpan sikit2 melalui potongan gaji, tp most of my income, i spend untuk bayar commitment, (kereta dan rumah) dan berbelanja dengan boros... travel merata dunia dengan pakai CC, belanja duit bonus habis licin...

my tipping point yang buat i sedar is actually my divorce, and masa tu baru i rasa i byk membazir berhabis belanja utk family... semasa i susah, semua orang takde offer helping hand, even my own family semua lari.. i betul2 jatuh terduduk... my only SOS life-line masa tu hanya lah my stable job... dengan cara jatuh terduduk dan sakit begitu lah baru i tersedar yang i betul2 ada syndrome HENRY nih...

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 Author| Post time 17-8-2021 04:55 PM | Show all posts
i know this is very relevant to many young people nowadays,.. sangat sedikit yang ada financial literacy and kesedaran... many of my ex colleagues sedar at current rate, mereka mmg kena keje sampai AJM je.... sbb too high commitment sbb tersangkut dengan lifestyle je
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Post time 17-8-2021 04:55 PM From the mobile phone | Show all posts
Sapa2 yg ada pengalaman dan ilmu mcm mana nak growkan our savings, share2lah ilmu kat sini
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 Author| Post time 17-8-2021 04:56 PM | Show all posts
Buritan replied at 17-8-2021 04:49 PM
Dulu aku dlm t20.. tp yg bagusnyaaa aku selalu bermasalah dlm keje.. asyik nak berhentii everyday..  ...

mcmana uols dapat ubah lifestyle tu? its not easy especially orang dah terjebak dengan hutang long term 30 tahun beli rumah high end.. how how howww.....
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 Author| Post time 17-8-2021 04:58 PM | Show all posts
Kupucandy replied at 17-8-2021 04:55 PM
Sapa2 yg ada pengalaman dan ilmu mcm mana nak growkan our savings, share2lah ilmu kat sini:lovelines ...

yes.. sila2.. jangan malu2... agree to disagree.. cara masing2 kita adalah berlainan.. takde satu kaedah je yang betul.. ada banyak cara2 yang kita boleh creative dalam grow our wealth...
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 Author| Post time 17-8-2021 05:00 PM | Show all posts
Kupucandy replied at 17-8-2021 04:55 PM
Sapa2 yg ada pengalaman dan ilmu mcm mana nak growkan our savings, share2lah ilmu kat sini:lovelines ...

salah satu yang iols buat is i stop following instafemes haramjadah yang show off lifestyle... bagi fake lifestyle yang tak munasabah utk orang2 cam kita ni nak follow.. hidup berangan... sampai kan perasaan kita tu, kalo kita  pakai proton axia pun rasa terhina... yes, sbb dah compare life berangan camtu...

nak minum stabakkk je... tp kalo ikut @sarah82 bersepahhhhh je lagi kopi2 yang sedappp..
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Post time 17-8-2021 05:01 PM From the mobile phone | Show all posts
I suka baca topik2 yg @green~tea buka,termasuk pasal penjagaan diri..selalunya mmg SR je la
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Post time 17-8-2021 05:02 PM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 05:00 PM
salah satu yang iols buat is i stop following instafemes haramjadah yang show off lifestyle... bag ...

I memang tak pnah nk ikut instafemes yg buat duit pun dr rakyat2 marhaen bygkan klau rakyat marhaen stop support diaorg, silap2 terjunam jgk sbb tu kita kena cari ilmu utk kembang dan mantapkan lg our wealth simpan dlm bank 20 tahun pun still duk lagu tu tak berkembang
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 Author| Post time 17-8-2021 05:04 PM | Show all posts
exclusive_vvip replied at 17-8-2021 05:01 PM
I suka baca topik2 yg @green~tea buka,termasuk pasal penjagaan diri..selalunya mmg SR je la:loveline ...

skincare payah sikit sis nak kupas.. sbb i masih duk pakai skincare sama je zaman berzaman... sejenis liat degil nak menukar product..

dah la skincare mur mur, harus kena jeling je dengan geng2 HENRY... oh ya.. zaman i menghidap sindrom HENRY, i pakai full set SK2, peh tu tukar dermalogica... pastu bertaubat nasuha pakai Olay & The Ordinary sampai lah sekarang...
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Post time 17-8-2021 05:09 PM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 04:56 PM
mcmana uols dapat ubah lifestyle tu? its not easy especially orang dah terjebak dengan hutang long ...

Sbb aku kawin kawin dah problem dgn karier..mmg beli rumah pun loan somi.. pakai kete pun kete yg biasa.. no bm no merce wpun ikut gaji manpu.. pendek kata semua ikut lifesyle m40.. jln jln pun dlm negeri kecualli di sponsor digomen.. satu lg aku tarak amik lgsg loan ke..beli rumah ke.. yileksss
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 Author| Post time 17-8-2021 05:11 PM | Show all posts
Kupucandy replied at 17-8-2021 05:02 PM
I memang tak pnah nk ikut instafemes yg buat duit pun dr rakyat2 marhaen bygkan klau rakyat marh ...

rugi sepuk duit dalam bank... dividend celah gigi je... tak dapat cover inflation rate (2-3% average per year) pun.. tapi kita banyak option lain...
CASH investment
1. dana PNB - ASB1, ASB2, ASB3 (4.25%, ok la slightly higher)
2. Unit Trust - AHB (5%, dpt 2X setahun), MAMB (maybank asset management berhad), Public Mutual (20-30%)
3. Wahed invest ( so far good return, slow je sbb i select moderate risk)
4. Koperasi (bank rakyat, koperasi felcra, koperasi kakitangan tpt keje), biasa dah tolak zakat
5. EPF - boleh carum up to rm60k setahun
6. retirement fund - AIA, maybank smartcash (honestly banyak gila option ada, husband i masuk under great eastern retirement fund)
7. tabung haji

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Post time 17-8-2021 05:14 PM From the mobile phone | Show all posts
1) asb dah ada
2) unit trust (kenanga ok ke, yg elly billionaire duk promote?)
3) wahed ni apa? Tak pnh dengor
4) u pnah dgr DDNK?
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 Author| Post time 17-8-2021 05:19 PM | Show all posts
Edited by green~tea at 17-8-2021 05:25 PM
Buritan replied at 17-8-2021 05:09 PM
Sbb aku kawin kawin dah problem dgn karier..mmg beli rumah pun loan somi.. pakai kete pun kete yg  ...

oooo.. semua laki cover la.. takde masalah pun cara u ni, sbb family u dah plan dan decide begini and it suits u best... cuba u consider hibah plan or smartwaris maybank... even husband u ada pencen.. u dont know in future anak2 nak sambung belajar... tp biasa hibah plan ni ada commitment 4-5 years payment, and by 70 y.o, kalo umur panjang, kita dapat balik pun duit yang kita carum + some interest cumulative.. just an option lah for you to consider dgn ur husband...

i pun dah takde loan rumah dan kereta... sbb dah bayar sume loan kereta tahun ni sblm i retire... and also i dah jual rumah i (beli 2011, jual 2020)... punca jual sbb i tak rasa i can manage byk rumah kasi sewa, and husband dah provide rumah utk kitorg settledown...
ok la hidup simple is fine, even i dah tak kerja 9-5, tp still managed to keep myself busy.. kesian juga kawan2 i yang masih teruk bekerja sampai tahap depression, makan ubat

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 Author| Post time 17-8-2021 05:22 PM | Show all posts
Edited by green~tea at 17-8-2021 05:24 PM
Kupucandy replied at 17-8-2021 05:14 PM
1) asb dah ada
2) unit trust (kenanga ok ke, yg elly billionaire duk promote?)
3) wahed ni apa? Ta ...

yes pernah dengar DDNK... i myself ada join group2 telegram mengenai saham... husband i dulu pun ada main saham, tp weols dah retired dari main saham ni.. focusing low risk je lah for now

kenanga OK je... cuma i subscribe maybank asset management je skang... dulu i ada CWA and public mutual juga...
sbb i dgn husband both masuk maybank AHB dengan maybank UT, so kitorang very close relation dengan customer relationship manager maybank

Wahed tu investment melalui apps, dia pakai AI (artificial intelligence, algorithm) yang akan manage investment kita kat pasaran luar (NASDAQ, Dow Jones), ia patuh syariah, based kat Australia... PNB pun ada product macam Wahed ni, dipanggil RAIZ invest...
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Post time 17-8-2021 05:24 PM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 05:00 PM
salah satu yang iols buat is i stop following instafemes haramjadah yang show off lifestyle... bag ...

Hahaha.. Betul.. Byk kopi sedap.. Skrg iols gigih belajar buat kopi sendiri.
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 Author| Post time 17-8-2021 05:27 PM | Show all posts
Kupucandy replied at 17-8-2021 05:02 PM
I memang tak pnah nk ikut instafemes yg buat duit pun dr rakyat2 marhaen bygkan klau rakyat marh ...

kita takde la nak berdengki ngn puak2 show off lavish lifestyle ni.. tp entah le.. been there done that.. and i tak suka kehidupan begitu... maybe mereka duit tak pernah habis walau dijarah banyak mana pun... or terlahir kaya keturunan old money...

weols ni terlahir dari golongan marhaen... B40 mungkin, tp mujur asal dari kampung, walau B40, tetap cukup makan
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 Author| Post time 17-8-2021 05:29 PM | Show all posts
sarah82 replied at 17-8-2021 05:24 PM
Hahaha.. Betul.. Byk kopi sedap.. Skrg iols gigih belajar buat kopi sendiri.

right now I AM sipping a mug of coffee... tp kopi 3 in 1 cap SUPER white coffee (brown sugar version) jurrrrrrrrr

takleh blah la weiii starbucks.. kopi dia cam susu panas je kadang2.. sakit hati rega yahudi RM20 per cup
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Post time 17-8-2021 05:35 PM From the mobile phone | Show all posts
Dulu gila sangat beli baju Banana Republic. Shower gel nak The Bodyshop je.


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