How to Retire Early in Malaysia with RM1.2 Million, Even Without EPF

Early retirement isn’t just a Western fantasy, more Malaysians, especially millennials and Gen Z, are wondering: “Can I retire by 45 or 50 without relying on EPF?” The answer is yes, but it requires clarity, commitment, and a new way of thinking about money. Let’s break down exactly how you can achieve financial independence in…

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