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  • 2 weeks later...

40-44 is really hard. Sabay sabay gastos -- mortgage, car and family living expenses. Hndi naman pwede iwasan. The savings start small but get bigger as you reach 45. Ewan, siguro sa experience ko lang kasi galing ako from poor parents. Started from zero and destitution. But I'm proving that one can get away from the vicious cycle of poverty, yun nga lang you need all 44 years to do it and consistently not make bad decisions.

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  • 4 weeks later...

gym twice thrice a week

basketball once a month

 

iwas na sa sili patis

more on fish sa menu

natuto nang gulay + rice pwede na

 

di na kaya puyatan (dati sa online games kaya ko walang tulugan makapag farm/palvl lang)

 

sumasakit na tuhod pag tumatae (squat style)

umaatake na semi gout (namamaga paa pag umaga parang kagat ng ipis)

nagpapalpitate na pag naka dalawang kape ako.

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gym twice thrice a week

basketball once a month

 

iwas na sa sili patis

more on fish sa menu

natuto nang gulay + rice pwede na

 

di na kaya puyatan (dati sa online games kaya ko walang tulugan makapag farm/palvl lang)

 

sumasakit na tuhod pag tumatae (squat style)

umaatake na semi gout (namamaga paa pag umaga parang kagat ng ipis)

nagpapalpitate na pag naka dalawang kape ako.

Inom ka rin maraming tubig pre. Malaking tulong yan.

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Wow, too early. Maybe possible if youre playing a big game but maybe not for most people. Most would still be busy paying mortgage and the like. True, you may have extra but personally, Id enjoy spending some around this age while your knees still allow you to - travel more, indulge a little on good things...looking too far ahead may end up with regrets and lost moments when you suddenly realise that youre no longer able to enjoy things cos your body just wont let you anymore.

 

I have the same plan in life with minimal savings to retirement. I always live in the present with occasional glimpse of the future.

I can't imagine someone in their death bed wishing for more work in their early years.

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