Financial planning for my second sabbatical : most of my burn rate is due to mortgage.
My cash flow for investments committed is about 2,304 MYR/mo. For the ten years before 2022, my same metric was 312 MYR/mo, at the present interest rate, and it only became 7.4x when I decided to stop paying rent in the city at 650 MYR/mo. This is a 35y play, which pivots around the real estate value of flats in KL in around 2055, and inflation between now and then.
I think about this a lot. I wonder what I'll be doing in 2055, and whether gambling as such will be regrettable. The only reason I ever had for taking out mortgages was to force myself to invest, at a time when I did not have any other financial instruments under study.
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