Hey! Let’s talk real life for a second. 🏡
Some people rush into buying a house without thinking it through. I know a guy who bought a property in Shah Alam while his wife works in Bangi. Every day, they end up living closer to her office—but their dream home is in a completely different town. Time and again, these “wrong location” purchases cause unnecessary stress.
So, if you’re young, freshly graduated, or just starting out—don’t feel ashamed if you’re still renting. Seriously. Just because your cousins are all homeowners and you’re not, doesn’t mean you’re behind. Life isn’t a race.
Think about it: when you got married, did you already own a house? Most didn’t. And if you’re not into property yet, trust me—one day, you’ll say, “I want to buy my own home.” And if you wait too long, you’ll probably look back and think, “Why didn’t I start younger?”
The Reality of Young People and Property
At a recent talk at Universiti Pendidikan Sultan Idris (UPSI), we asked students aged 19–21: Should young people already start thinking about buying property?
The answer is nuanced: yes, but carefully.
Property can bring wealth and happiness, but it can also bring loss and stress. Knowing the difference—and preparing financially—is key.
Think about the past:
In the 1990s, a fresh graduate could buy a terrace house on a regular salary.
Today? A median terrace house in Tanjung Malim costs around RM388,000. That’s a monthly loan of RM1,800–2,000. To afford this, your household income should ideally be RM6,000–8,000.
Not everyone starting their career in their 20s can afford that. And fast forward to the 2050s? Young graduates may only manage to buy a house piece by piece—starting with a kitchen or bathroom.
So, financial strength first. Don’t rush into property just because society pressures you.
Investing in Property: Know Your Game
When it comes to property, there are only two reasons to buy:
For your own stay – your starter home or upgrading later.
For investment – either to rent out for cash flow or buy-and-flip for capital gains.
Cash Flow Strategy
You can rent your property long-term to tenants or short-term like Airbnb. Some people turn three homestays into 15 properties within a few years—yes, it’s possible!
Capital Appreciation Strategy
Buy smart, below market value (BMV), and hold until the value rises. But remember: not every property will increase in value. Some buyers face huge losses if they enter blindly.
The key takeaway: never buy and hope. Hope is for life, not investments. Ask, research, and enter the market wisely.
Start Young, But Start Smart
If you’re young and just starting out:
Focus on learning financial literacy first.
Understand your risk appetite. Can you handle if your investment dips?
Decide what interests you: property, stocks, crypto, ASB, or business.
Start small, build experience, and gradually scale.
Remember: renting is not shameful. Use this time to gather financial strength, learn, and plan your first purchase carefully.
💡 Pro Tip: Even if you don’t buy property today, plan your finances. One day, you’ll thank yourself for starting smart.
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