All these years you are the one working harder and earning more, so I think it is only fair that you get to retire first while he has to work harder to make up for the lost income he should have made earlier. I'm sure even though his job is not so stable, he should be able to make at least $60k pa, which is enough since you could get your passive income from your rentals if you stay in JB. If you earn $4k pm from rental and $5k pm for his pay, in total you get $9k pm, which is RM22k pm. No problem living a good life in JB with this kind of money.