Personal Finance YouTuber '1M65' Mr. Loo - Singaporeans Drool Over Malaysia's 'Insane' EPF Returns

Addiction in Malaysia, what’s really going on? From substance abuse to social media addiction, the struggle is more complex than most people realize. In this episode, Dr. Prem Kumar unpacks the hidden layers of addiction, from its deep ties to mental health and ADHD to the way technology is shaping new forms of dependency. It’s not just about bad choices - socioeconomic struggles, brain chemistry, and even modern lifestyles play a role. But where do we go from here? Dr. Prem breaks down harm reduction strategies, early intervention, and the urgent need for better awareness in families. He also shares why mental health professionals themselves need support, plus what Malaysia can learn from global trends in addiction treatment. Whether you’re directly affected or just curious, this conversation shines a light on the realities most people don’t talk about. Chapters: 00:00 - Understanding Addiction in Malaysia 02:46 - Drivers of Addiction Trends 05:15 - Socioeconomic Factors and Addiction 08:17 - The Spectrum of Addiction 10:39 - Civil Servants and Addiction 13:26 - The Impact of New Substances 16:22 - Behavioral Addictions and Technology 18:54 - Digital Dualism and Mental Health 21:40 - Treatment Approaches for Addiction 24:04 - Creating Awareness and Early Intervention 25:53 - Understanding Addiction as a Disease 27:39  - ADHD and Its Connection to Addiction 31:05  - Preventing Addiction: Key Takeaways 32:28  - Global Trends in Addiction 33:22  - The Hidden Nature of Behavioral Addictions 35:21  - Coping with the Weight of Others' Distress ---  Follow Dr Prem Kumar: LinkedIn: https://my.linkedin.com/in/drpremkumarshanmugam --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

Retirement isn’t what it used to be, so how do you actually prepare for it? In this episode, Robin Lee breaks down the reality of life after work - the money, the mindset, and everything in between. It’s not just about stacking cash; it’s about staying active, finding purpose, and making sure your golden years aren’t just… boring.  Robin shares what he’s learned from his own journey, from financial planning wins (and mistakes) to the emotional side of leaving the 9-to-5 grind. They also get into smart investing, startup culture, and why financial freedom isn’t just about having a fat bank account.  Chapters: 00:00 - Revisiting Retirement: A Personal Journey 03:05 - Understanding Retirement: Financial and Emotional Aspects 05:53 - The Reality of Financial Preparedness for Retirement 09:00 - Work-Life Balance: Finding Happiness in Retirement 11:55 - Practical Advice for Future Retirees 14:57 - Investing Strategies: Risk and Opportunity 17:59 - Navigating the Investment Landscape 20:59 - The Future of Startups: Lessons Learned 24:01 - Final Thoughts on Retirement and Life Balance -- Follow Robin here: https://www.linkedin.com/in/rcflee81262311/ -- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ -- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/  

Malaysia has so much potential - but what’s holding it back? Ex-Perdana Petroleum MD Shamsul Saad and Khoo Hsu Chuang get real about the Malay mindset, education, and the bigger forces shaping the country’s future. They talk about how culture and government policies play a role in success (or lack of it) and why critical thinking is a game-changer in today’s digital world. But it isn’t just about education. They get into leadership, economic growth, and why shaking things up is long overdue. Automation is changing jobs, governance feels stuck in mediocrity, and bold leadership is needed to push Malaysia forward. They even compare Malaysia’s struggles with the U.S., showing how deeply rooted interests can hold progress back. Looking back at Malaysia’s golden era in the 70s, they discuss how colonial history shaped the way people think and why the country needs a stronger sense of purpose. Inequality, talent, creativity—these things matter, and real change won’t happen without the right leadership. At the end of the day, it’s about breaking free from old mindsets and surrounding yourself with the right people to make real progress. (Many thanks to CITYPlus for their collaboration with The Do More Podcast, in whose studio this conversation was recorded. CITYPlus is Malaysia's first Chinese business radio station, dedicated to delivering in-depth analysis on local and international current affairs, markets, and businesses.) CONTENTS  00:00 Introduction and Background 06:01 Education and Personal Growth 11:56 The Role of Government and Political Will 18:03 The Importance of Critical Thinking 23:52 Converging Interests in Society 30:06 Restructuring Malaysia's Education and Economy 35:54 The Need for Change in Mindset 47:05 The Journey of Professional Growth 51:05 The Pain of Improvement 56:15 Corporate Power Dynamics 01:01:51 Leadership and Empowerment 01:06:18 The Future of Work and Automation 01:10:25 Lessons from America 01:15:50 The Malaysian Dream and Economic Challenges 01:17:20 The Need for Bold Leadership 01:19:42 Restructuring for a Sustainable Future 01:22:12 Rethinking Education in Malaysia 01:24:52 The Shift Towards Conservatism 01:26:35 The Role of Political Leadership 01:28:08 Reflections on Malaysia's Golden Era 01:29:39 Colonialism's Impact on Mindset 01:31:57 Inequality and Upward Mobility 01:33:22 The American Dream and Opportunity 01:35:25 Creating a Fair System 01:37:50 The Power of Creativity in Malaysia 01:39:43 Comparing Talent: Malaysia vs. Singapore 01:41:41 Common Purpose and National Identity 01:43:31 Leadership and Excellence 01:45:45 The Culture of Mediocrity 01:49:07 Surrounding Yourself with Talent 01:52:51 Lessons from Global Leaders 01:54:33 Final Words of Wisdom ---  Follow Shamsul here:  https://www.linkedin.com/in/shamsul-saad-24108816a/ ..  FOLLOW CITYPLUS HERE:  Facebook: https://www.facebook.com/cityplusmy  Youtube: https://www.youtube.com/@CITYPlusFM Instagram: https://www.instagram.com/cityplus_my .. Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ .. Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

#epf #cpf #retirement #fire #property #realestate #entrepreneur #stocks #etf   Personal Finance YouTuber '1M65' Mr. Loo - Singaporeans Drool Over Malaysia's 'Insane' EPF Returns In this conversation, Mr. Loo, a former corporate guy and now financial educator and entrepreneur from Singapore, shares his insights on retirement planning, comparing the CPF and EPF systems, and the importance of financial literacy.  He discusses the challenges faced by Malaysians regarding retirement savings and emphasizes the power of compounding in wealth building. The conversation also touches on cultural attitudes towards wealth, investment strategies, and the opportunities in the Johor property market. Chapters 00:00 - Introduction to Mr. Lu and His Journey 02:50 - Retirement Landscape in Singapore vs. Malaysia 06:02 - Understanding CPF and EPF: Liquidity and Accessibility 09:04 - The Power of Compounding in Retirement Savings 11:59 - Cultural Perspectives on Wealth and Spending 14:57 - Investment Strategies for Retirement 18:02 - Opportunities in the Johor Property Market 21:00 - Comparing CPF and EPF: Stability vs. Returns 23:58 - Diversity in Investment Strategies 29:58 - Conclusion and Future Insights --- Follow Mr Loo here:  IG: https://www.instagram.com/loochengchuan URL: https://loo.guru/ and https://loo.money/  YT: https://www.youtube.com/@UCd273tHeZ_v8miEED5MZasQ FB: https://www.facebook.com/MrLooChengChuan/ Telegram: https://t.me/Loo1M65 ---  Follow Chuang here:  URL: http://www.domore.my/  LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/  FB: https://www.facebook.com/khoo.chuang/  IG: https://www.instagram.com/khoohsuchuang/  --- Follow DoMore here:   WEBSITE: https://www.domore.my/  YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife   ITUNES: https://apple.co/2lQ47mS  SPOTIFY: https://tinyurl.com/y6zufvcp  PODBEAN: https://domoreasia.podbean.com/  INSTAGRAM: https://www.instagram.com/domore.asia/ 

Bitcoin, taxes, and market chaos - welcome to the wild world of crypto! In this episode, Hann Liew (Founder & CEO of Halogen Capital ) sharse his thoughts on Malaysia’s place in the crypto world, the impact of regulations and taxes, and why big institutions are starting to take Bitcoin seriously. With governments tightening the rules, what does this mean for everyday investors? But it's not all smooth sailing. Market manipulation, fragmented platforms, and extreme volatility make crypto a tough space to navigate. Still, some see Bitcoin as a long-term strategic asset, while others remain skeptical. So, is it a smart investment or just another risky bet? 00:00 - The Rise of Crypto Custody and ETFs 02:32 - Malaysia's Hidden Crypto Market 05:38 - Taxation and Regulation in Malaysia 08:15 - Institutional Adoption and Market Dynamics 10:55 - The Future of Tokenization in Malaysia 13:44 - Bitcoin's Resilience and Market Manipulation 16:26 - Supply Crunch and Demand Dynamics 19:18 - The Divergence of Retail and Institutional Sentiment 22:01 - The Role of Bitcoin in Strategic Reserves 24:44 - Long-term Outlook for Bitcoin ---  Follow Hann here: X: https://x.com/ooihann Linkedin: https://www.linkedin.com/in/hann-liew --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/

EVs are the future… or are they? In this episode, Yamin Vong breaks down the reality of electric vehicles in Malaysia, the roadblocks to adoption, and whether we’re really ready for a fully electric future - what’s hype, what’s practical, and what still needs work. But it’s not just about swapping engines. We’re talking efficiency, safety, and the environmental impact of EVs, because while they seem like the greener choice, there’s more to the story. The tech is evolving fast, but so are the challenges. At the end of the day, the big question is trust. Will consumers embrace EVs, or are we still in the trial-and-error phase? It’s a conversation about the realities of electric mobility, the trade-offs we don’t always hear about, and what it’ll take for Malaysia to truly go electric.   00:00 - The Rise of Electric Vehicles (EVs) 14:14 - Autonomous Driving and the Future of Mobility 32:52 - Safety Concerns and the EV Experiment --- Yamin Vong is a veteran automotive journalist who started his career in 1980 and who’s now transitioned to digital platforms including a column in the www.freemalaysiatoday.com and his Facebook page as yamin.com.my and www.malaysiacaroftheyear.my He’s a 4x4 enthusiast and his current mission is to promote to Peninsular Malaysians the great outdoors of Borneo Sarawak and Sabah. FOLLOW YAMIN HERE:  FMT Column: https://www.freemalaysiatoday.com/category/author/yaminvong/ IG: https://www.instagram.com/yaminvong  LinkedIn: https://www.linkedin.com/in/yamin-vong-02b1469/ FB: https://www.facebook.com/yamin.vong/ ---  Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/

What does it mean to truly belong? In this episode, Dina Zaman shares her journey from corporate life to becoming a bold voice in Malaysian media. She reflects on what it means to be Malay and Muslim, the struggles of third culture kids, and how education and tribalism influence identity. Dina also talks about economic disparities and why unity in diversity is easier said than done. The conversation touches on the evolving Malay psyche, looking at class, religion, and philosophy in shaping national identity. Dina questions whether the education system truly prepares young Malaysians for a changing world. More than that, she challenges the idea that success equals happiness, emphasizing the need for cultural awareness and personal growth. So how do we reclaim our identity in a world full of expectations? This episode highlights the power of self-expression, the role of journalism, and why young Malaysians must lead the way. If you’ve ever felt caught between tradition and change, this one's for you.   00:00 - Dina Zaman’s Journey 03:00 - Identity & Cultural Experiences 06:00 - Malay Muslim Identity 08:58 - Education & Multiculturalism 11:54 - Third Culture Kids 14:51 - Tribalism in Malaysia 17:55 - Economic & Social Issues 21:01 - Malay Youth & Activism 24:10 - National Identity & Belonging 27:01 - Vernacular Education Challenges 30:03 - Unity in Diversity 33:10 - Young Malaysians & the Future 41:27 - Malaysia’s History 43:04 - The Malay Psyche 46:19 - Education & Identity 48:05 - Philosophy in Education 50:29 - Class & Religion 54:34 - National Identity & Economy 56:07 - Imagination & Life 01:01:40 - Life & Happiness 01:04:52 - Cultural Exposure & Growth 01:16:49 - Breaking Free 01:19:06 - Human Nature 01:20:58 - Cultural Identity 01:22:35 - Power of Expression 01:24:46 - Journalism’s Golden Age 01:30:44 Identity in a Changing World 01:34:00 Life Beyond Materialism ---  Follow Dina here: LinkedIn: https://my.linkedin.com/in/dinazaman1 IMAN Research: https://www.imanresearch.com/

In this conversation, Dr. Bridget Welsh discusses the complexities of Anwar Ibrahim's role as ASEAN Chair, highlighting the challenges he faces both domestically and regionally.  The conversation delves into key issues such as the Myanmar crisis, economic challenges, and the importance of clear priorities for ASEAN's success. Dr. Welsh emphasizes the need for a collaborative approach among ASEAN members and the significance of aligning domestic interests with regional goals. The discussion also touches on the potential inclusion of Timor-Leste in ASEAN and the impact of economic coercion on the region.   Chapters 00:00 - ASEAN Chairmanship and Anwar Ibrahim's Role 03:48 - Key Challenges Facing ASEAN 08:11 - Domestic Issues and Regional Leadership 11:31 - Advisory Council and Regional Dynamics 14:57 - Aligning Domestic and Regional Interests 17:16 - Future Prospects for ASEAN 19:29 - Economic Coercion and ASEAN's Response   Key Takeaways ASEAN's chairmanship is a shared responsibility. Anwar Ibrahim’s leadership is under close scrutiny. Clear priorities are essential for effective governance. The Myanmar crisis demands a structured response. Transnational crime is a growing concern. Economic struggles are intensified by global tensions. Domestic legitimacy influences regional leadership. Advisory councils can complicate diplomacy. ASEAN may expand to include new members. A united ASEAN holds greater global influence.  

#fire #retirement #wealth  ---  VUCA Insights’ John Huo – Hard Truths About Investing, Retirement and Living Well  A really frank and revealing conversation with my buddy and investment professional John Huo about retirement, wealth, money and investing.  Spoiler alert: more nuggets in here than a chocolate chip cookie. (Many thanks to CITYPlus for their collaboration with The Do More Podcast, in whose studio this conversation was recorded. CITYPlus is Malaysia's first Chinese business radio station, dedicated to delivering in-depth analysis on local and international current affairs, markets, and businesses.) CONTENTS  01:17 - Where Markets Are Heading in 2025  05:31 - Malaysians Can’t Really Play The Large Global Macro Themes Like AI and MAG7 .. Can They?  11:40 - Active Fund Managers HAVE to Beat The Index   13:07 - That Time When Adobe Tanked ..  17:32 - Mispricing .. A Time to Buy  22:50 - What Happens When All PaperMoney Becomes Worthless?  29:30 – Stocks and Crypto Offer The Best Returns  30:30 - Tesla: Buy?  33:40 - How Does John Think About His Own Personal Portfolio?  38:52 - Is Apple Too Reliant On The IPhone?  40:25 - If Apple is So Good, Why Did Warren Buffet Sell His Shares?  42:26 - The Media is Bad For Your Portfolio .. !  45:04 - In Malaysia The Hurdle Rate is Maybe 20-25% !  46:17 - Fixed Deposit (FD) IS The WORST Place to Allocate Capital  49:50 - Investing and Psychology is Inextricably Linked - Read Morgan Housel’s ‘Psychology of Money’  50:20 - One of The Biggest Obstacles to Wealth? FOMO!  51:14 - How MYAirlines Took Advantage of Ignorant Investors   53:40 - Skills for Life Success .. ?  54:55 - How Robert Kiyosaki’s ‘Rich Dad Poor Dad’ Changed John’s Life  1:00:01 - What Does Retirement Mean? 1:04:15 - What’s John’s Retirement Number? (You Don’t Need That Much to Retire!)  1:05:00  - A Purposeful Life is Good. What About Generational Wealth?  1:10:20  - Overproviding For The Children Is a Problem  1:11:30  - Why Send Your Child To Study in a Failing Economy? Where ‘Education’ Is an INDUSTRY  1:13:10  - The Sandwich Generation Is a BIG Problem  1:16:30  - How To Not Be Poor When You're Old?  1:23:10  - That Time When Lululemon Dropped 60% .. And Apple Hasn’t Innovated - So What?  1:26:30  - So If You’re Starting Out, What Do You Buy, to Buy RIGHT?  (Case Study: Labubu)  (Case Study: On Holding AG)  (And Read: Peter Lynch’s ‘One Up On Wall Street’)  1:30:30  - EPF Is Great BUT It Has Some Serious Obstacles  1:34:50  - What Does It Take to be a Full-Time Investor?  1:38:38  - Big Picture, EPF Is REALLY Good. But Here’s Also Why Not  1:44:40  - Humans CANNOT Save!!! But They Also Don’t Want to Think About Their Financial Futures  1:47:55  - What About Bitcoin?  1:51:20  - Why John Doesn’t Like Property / Real Estate  2:00:01 - Why Doesn’t John Personally Invest in Malaysia  2:04:00 - How AI Impacts Investing  2:07:30  - Information is One Thing, Action Is Another  FOLLOW JOHN HERE:  LinkedIn: https://my.linkedin.com/in/johnhuo IG: https://www.instagram.com/johnhuosc/?hl=en YT: https://www.youtube.com/@JohnHuoVUCA FB: https://www.facebook.com/johnhuosc/ X: https://twitter.com/stjohnhuo FOLLOW CITYPLUS HERE:  Facebook: https://www.facebook.com/cityplusmy  Youtube: https://www.youtube.com/@CITYPlusFM Instagram: https://www.instagram.com/cityplus_my Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

#geopolitics #trump #tariffs  Political Analysts Fui K Soong and Jason Leong - What a Donald Trump Presidency Means for ASEAN  Fui and Jason Leong discuss the ramifications for Malaysia and ASEAN, of a second Donald Trump presidency in terms of his proposed tariffs, the threats to the global supply chain, business in general and much, much more.  (Many thanks to CITYPlus for their collaboration with The Do More Podcast, in whose studio this conversation was recorded. CITYPlus is Malaysia's first Chinese business radio station, dedicated to delivering in-depth analysis on local and international current affairs, markets, and businesses.) FOLLOW FUI HERE:  LinkedIn: https://www.linkedin.com/in/fui-k-soong-467b9524 IG: https://www.instagram.com/fuisoong/ FOLLOW JASON HERE:  LinkedIn: https://www.linkedin.com/in/jason-leong-94623517/ FOLLOW CITYPLUS HERE:  Facebook: https://www.facebook.com/cityplusmy  Youtube: https://www.youtube.com/@CITYPlusFM Instagram: https://www.instagram.com/cityplus_my Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/