The RM100k Mistake Parked in Your Driveway

In Malaysia, we judge people by their cars. It’s an unwritten rule. You graduate, you get a job, you buy a Honda City or a Proton X50. Driving a Perodua Axia after age 30? “Something must be wrong.”
This pressure is called “The Face Tax.” And it is keeping you poor.
Let’s look at the math that car salesmen won’t show you.
The Battle: Perodua Myvi (The King) vs. Proton X50 (The Dream)
You earn RM4,000. You think you can afford the X50 because the monthly repayment is “only” RM900. You are wrong.

The 15% Rule
Do not buy a car where the monthly instalment exceeds 15% of your take-home pay.

• If you earn RM4,000, your budget is RM600/month.
• That means you drive a used Myvi or a new Axia. Not an X50.
  The “Loud Budgeting” Strategy
  How do you deal with friends who want to eat at expensive cafes every weekend? You use 2025’s best trend: Loud Budgeting. 
• Don’t make excuses (“I’m busy”).
• Be honest: “I’m on a mission to save RM10k this year, so I’m skipping the RM40 cafe latte. Mamak on me?”
• You will be surprised. Most of your friends are broke too. They will be relieved you suggested a cheaper place.