Originally Posted by Unregistered

You don't have to wait until 65 to retire. As long as your children are grown up, working, married and living in their own BTO flat, you can retire in Penang, Johor, Malacca or KL.

You can clear your your mortgage easily. Then rent it out for $3k pm. Convert to RM and you get RM9k pm of passsive income. This is more than enough to live a good life in Malaysia.

You can rent a two bedroom condo for RM1.5k pm.

Enjoy life. You never know when you will die. You could die earlier than you think especially if you have a very stressful and demanding job.