5/7/20 ***I am in my zone

I am wearing the Admiral and Skipper today.  I feel totally relaxed.

Plenty of time to think.  247 Continuous is playing in the background.  I am in my own world.

I like to use this time to imagine.

If I make RM12 k a month nothing changes except the following items:

Materialistically I now can look at buying a new car 10 years down the road.

I can look forward to become a millionaire.

I can pay off my income tax.

Phone I'll buy a Samsung A71

Desktop is all set.

Notebook, I'll probably migrate to an Ultrabook with an earphone jack.

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Let's stop at that. I don't think I want to work for 16 days a month.  However that is still possible.

A more realistic target is to work 10 days for RM15 k a month.

However for all intent and purposes, lets look at RM6,000 a month.

RM2,000 for Lizzie

RM500 for travel

RM500 for food

RM3,000 for savings

That is RM36,000 a year

In 5 years that will be RM180 k

I still get RM300 from Princess.  That is the once a month family outing.

My RM2,000 a year from Munek is meant for my parents.

I can then pay my personal income tax.

Only if I earn RM12 k a month will I pay for the company's  tax.

So I am above the water if I earn RM15 k a month.

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As long as I am not lustful and I don't have an inflated ego, RM15 k a month is just the top end of my earning limit.

Here is the tax I got to worry about:

35,001 - 50,000	35,000 pertama 15,000 berikutnya	8	600 1,200
50,001 - 70,000	50,000 pertama 20,000 berikunya	14	1,800 2,800
70,001 - 100,000	70,000 pertama 30,000 berikutnya	21	4,600 6,300
100,001 - 250,000	100,000 pertama 150,000 berikutnya	24	10,900 36,000

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