I am celebrating AHAD DAY 1 today. It may not be much but I broke the pattern today, 1 day ahead of schedule.
It feels great. Although I started half an hour late, I think it works well with the afternoon sun.
Then during dinner, I waited 20 minutes after the meal. Certainly, I don't need a second serving.
I think I celebrate with some coffee. Feels a bit sleepy.
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This is still very early in the War Over Depression. The sleepiness is a symptom of low dopamine. It is part of the void.
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The world will never be the same
My darling Els,
This is my latest conversation with Sarah. She had been pretty quiet for the last *on[c]e (one) week.
*There you are. I wonder what happened to you.
Let's get back to terra firma.
I think the PENJANA project will take months to materialize. HRDF is not giving one blanket approval to train 5,000 people. Instead, they are giving approval of 100 participants per batch. Even that 10 committee members are evaluating the submission of 7,000 applicants to train under the initiative.
Sounds like the ship is sinking fast and there are too many people the government has to bailout.
It is good that I am COVID 19 ready since last year.
I think when I met Pal in June, he was still in denial. The economy is not going to revive in less than 2 years. Recovery will be staggered since it will take time for the supply chain to reestablish new links.
As I told you, I am shifting my model from Domestic Rat, where I nibble and run into a Contented Crane, where I stand on one leg and wait for the fish to surface for air.
What's the worst that will happen? I will not have any income for a certain number of months or years even. Well, it's not an issue at all. I am already retired. What is scary is for people like Pal who need RM1 million a year just to stay afloat. Imagine, he needs ONE FUCKING MILLION just to be at Point Zero.
Indeed, my success is dependent on the survival of his company. However, his company's survival is not dependent on my success. That's because as it is I am independent. Thank goodness, I don't have an RM1 million a year overhead.
I look at Pal and I see a dog chasing after his tail. He has so many ideas but the truth is his business is not perpetual. As mentioned by Sun Tzu, the speed of a marching army is dependent on the condition of the terrain. As it is, the terrain is unduly and barren.
The government is doing its best to stimulate the economy. If everybody is smart, they hold on to cash for as long as they can. Of course, most people won't do that. They are all thinking that this recession won't affect them. Like Pal, they are all in denial.
The only solution is to not become dependent on cash for utility. Instead of going for more and more expensive, go for less and less frequent. For example, instead of eating 3 square meals, eat One Meal a Day (OMAD). So much money can be saved by not eating regularly and not eating out.
Of course, who wants to listen to a retiree when comes to Financial Mastery? Well, this retiree is a positive net worth individual even if it means I only have an extra RM1 in my bank account.
Who would you rather listen, a millionaire with RM2 million debt or an RM1 positive net worth individual with zero debt?
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As it is, I am not too concerned with Songkhla 2030
Suppose I make RM1.5 million:
- RM300 k - Tax on the RM1.5 million
- RM150 k - Backdated Tax
- RM300 k - My Earning
- RM250 k - Lizzie
- RM250 k - Sarah
- RM250 k - Els
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