---
title: "“If EPF’s Excluded, Really Impossible”- M’sians Discuss When Do 90s Babies Hit Their First RM100K In Savings"
url: https://weirdkaya.com/if-epfs-excluded-really-impossible-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings/
date: 2025-08-18
modified: 2025-08-18
lang: en
author: "S.Y Lee"
description: "How long does it take to save up your first RM100k? For many 90s babies in Malaysia, the answer seems to be…“If exclude EPF, confirm impossible lah.” A viral post..."
categories:
  - "Society"
tags:
  - "#Trending"
  - "90s"
  - "EPF"
  - "Malaysian"
  - "RM100k"
  - "Savings"
image: https://cdn.weirdkaya.com/media/if-epfs-excluded-really-impossible-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings.png
word_count: 290
---

# “If EPF’s Excluded, Really Impossible”- M’sians Discuss When Do 90s Babies Hit Their First RM100K In Savings

##### How long does it take to save up your first RM100k? For many 90s babies in Malaysia, the answer seems to be…“If exclude EPF, confirm impossible lah.”

A [viral post ](http://xhslink.com/m/jY8HbqHFe6)turned into a mix of frustration, humour, and painful reality checks after one user asked when netizens managed to hit the milestone.

![](https://cdn.weirdkaya.com/media/KWSP-EPF-1-2.jpg)Photo by WeirdKaya

## 'House, loan, parents’ travel…'

Some admitted they once had the savings but life responsibilities drained it away fast.

***'Excluding EPF, it’s basically impossible to save RM100k. Buy a condo… get married… have kids…buy a car…buy a landed house…then buy another condo near a school district.'***

![](https://cdn.weirdkaya.com/media/netizen-comment-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings3.jpg)Screenshot via[ XHS](http://xhslink.com/m/jY8HbqHFe6)

One said they ***could have*** saved RM100,000, but after paying PTPTN, buying a house, and taking their parents overseas, all their money was gone.

![](https://cdn.weirdkaya.com/media/netizen-comment-5-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings-1.jpg)Screenshot via[ xiaohongshu](http://xhslink.com/m/jY8HbqHFe6)

Another gave a blunt reply: ***'Nope. Won’t even have it in the next few years also.'***

![Netizen comment on RM100K savings](https://cdn.weirdkaya.com/media/netizen-comment-on-rm100k-savings.jpg)Screenshot via[ xiaohongshu](http://xhslink.com/m/jY8HbqHFe6)

Many agreed that saving RM100k in Malaysia on a normal salary is near impossible. Some suggested working in Singapore or abroad.

![](https://cdn.weirdkaya.com/media/netizen-comment-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings1.jpg)Screenshot via[ xiaohongshu](http://xhslink.com/m/jY8HbqHFe6)

But for most, even hitting six figures felt like a dream.

***'Reading the comments makes me feel like such a failure. I’m 36 this year and my savings still haven’t reached 100k. I’ll work hard to try and push my savings to 100k by the end of this year.**'*

![](https://cdn.weirdkaya.com/media/netizen-comment-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings4.jpg)Screenshot via[ xiaohongshu](http://xhslink.com/m/jY8HbqHFe6)

### READ ALSO: We Asked Some Malaysians On How Much Savings Should They Have At The Age Of 25

Some reminded others not to compare too much, with one writing: ***'Some people start with RM100k from family, some half a lifetime also don’t have. Don’t stress.'***

![](https://cdn.weirdkaya.com/media/netizen-comment-msians-discuss-when-do-90s-babies-hit-their-first-rm100k-in-savings2.jpg)Screenshot via[ xiaohongshu](http://xhslink.com/m/jY8HbqHFe6)

*👉 What about you? Have you hit RM100k yet, or still slowly crawling there?*

[**READ ALSO:**](https://weirdkaya.com/35yo-msian-shares-how-she-managed-to-save-up-to-rm2mil-in-epf-savings)

https://weirdkaya.com/35yo-msian-shares-how-she-managed-to-save-up-to-rm2mil-in-epf-savings

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