So I have been doing this thing where I try and figure out how I want to think about money. Generally I'm not sure how much I care or don't care about money, so I let investments sit around "just to see what happens i.e. I am lazy", and get waffly ROI on it. I think my 2024 resolution should be to actually play the game as if I care about it and get better ROI on active investment ... so to reduce negative cashflows associated with capital depreciation.
I plan my life around the local minimum wage. Malaysia had no MW until 2012. As MW changes, it provides a nominally real unit against which to measure my work.
2008 : capX-ed 1.6 MW ( inferred ) on a study break
2012 : capX-ed 0.8 MW on a study break ;
CF_i : invested 3.7 MW, returned 0.6 MW ( capAp-ed 4.6 MW, capDep-ed 7.7 MW )
2015-2020 : capX-ed ( 2.3 MW + all income over five years ) on studies ;
CF_i : invested 4.6 MW, returned ( some tiny fraction, yet to be finalised )
2023 ( to-date ) : capX-ed 1.3 MW on a study break ;
CF_i : invested 5.6 MW, returned 7.7 MW ( capAp-ed 7.7 MW, capDep-ed 5.6 MW )
