A Malaysian man has sparked debate online after sharing what he believes are four key mindset differences between those in the B40 and T20 income groups.
In a Threads post that has garnered over 50,000 views, the OP said his observations were based on studying friends from both categories.
Mindset differences between T20 and B40
According to him, individuals in the T20 category tend to:
- Look for solutions
- Blame themselves instead of others
- Celebrate other people’s success
- Stay consistent
Meanwhile, he described B40 individuals as those who:
- Look for excuses
- Blame others
- Are strongly envious
- Are inconsistent or lack discipline
The post quickly gained traction, with thousands reacting and hundreds commenting on whether income level truly determines mindset.
“Wisdom does not come from income clusters”
Among the replies was a netizen who shared that he grew up in a B40 family before gradually moving into M40 and eventually T20.
However, he disagreed with the notion that wisdom comes from income brackets.
“Wisdom does not come from income clusters. It comes from your circle of friends and colleagues,” he wrote.
When another netizen asked how he changed his circle, he explained that he switched to a higher paying job while exploring new things, which eventually led him to meeting different groups of people.
The OP later clarified that for him, T20 is not strictly about financial status but about mindset.
“If someone is financially B40 but already has a T20 mindset, it is unlikely they will not succeed,” he said.
Netizens divided over generalisations
However, not everyone agreed with the broad categorisation.
One netizen pointed out that it ultimately depends on the individual rather than their income level.
“There are T20 individuals with bad attitudes and B40 individuals with good attitudes. It depends on the person, not their wealth.”
The discussion highlights how conversations surrounding income groups, class, and mindset remain a sensitive and polarising topic among Malaysians.
What do you think? Is success shaped more by mindset or by circumstance?
