We are a couple in our mid 50s. We are planning to retire in a couple of years time. We have decided to go to Penang for our retirement. We will sell our terrace house. We will get about $2m in net proceeds. We also have cash of $500k. So we will convert $2.5m to RM and will get RM6m at least. We will be multi millionaires and will retire in luxury. We can even afford to employ a maid to do all the household chores and marketing while we enjoy our days at the swimming pool or the beach.