Malaysia VS Singapore, is living in Malaysia really CHEAPER?

Is it really cheaper to live in Malaysia 🇲🇾 than Singapore 🇸🇬? Here's what I found! 🧐
#malaysia #singapore #economy
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[@MrMoneyTV]

Malaysia VS Singapore, which has the cheaper living cost? 🧐

[@TianYu87]

i am Malaysian from KL, i work in singapore almost 10 years... let me tell you, the living cost in KL is around 2.2k. Singapore around 1.6k... this is TRUE...

[@reginelee6938]

For car, in Malaysia it’s forever. But in Singapore strictly 10 years. You can consider COE Renewal for another 10 years. So, Malaysia 80k = Forever lifespan Singapore 80k = 10 years

[@nurfaizah6623]

What about.. yearly tax?

[@DeclanzWorld]

malaysian hand gestures 🇲🇾 kzbin.info/www/bejne/Z5Oli6yurLN8eJo

[@joeyting2060]

@@reginelee6938 Singapore has the world's second best public transport system. I would be happy taking public transport rather than driving a car.

[@idknight]

I'm from Singapore but worked in Malaysia before. There are a few more things to add to "complete" the comparison : 1. Earning power - median fresh grad pay in SG is S$3.7k and average fresh grad pay in MY is RM2k+ (national, its probably higher in KL). 2. Tax - effective tax rate in SG is lower than in MY. The tax rate for 4,000 monthly income in SG is S$1,110 p.a. and in MY is RM1,490 p.a.. Effective tax rate goes up quicker the more you earn in MY vs SG. 3. CPF vs EPF - employee contribution is higher in SG (20%) than MY (9%), but in SG the CPF contribution is capped at a monthly income of S$6,000 and don't think there's a cap for EPF? This means that in SG we pay more to CPF in our early career but less as we earn more, whereas in MY its always the same percentage to EPF. 4. Houses/HDB - problem with HDB is not the price, its about actually getting it. If you're not married you have to wait till 35 to apply. Even if you get married early to BTO, you will have to ballot and may not get the area you want. Also you will have to wait years before you can actually move in. You could always buy resale but then the cost is much higher. If you're a foreigner or a single PR you can forget about HDB. Additionally the downpayment for a loan is 25% so you need to save a lot in your early career to afford it. Property market in MY is much more straight forward with a lower downpayment requirement (if you're willing to take more debt). 5. Car/Transport - working in MY you will mostly likely need a car as its not cheap to live close to MRT/LRT and the bus is unreliable, however there are affordable options from local car brands like Perodua and Proton. In SG, if you want to buy a car even the cheaper models (like the Jazz) are expensive and it will only last you 10 years, after which you have to renew COE again. Can stick to public transport when you're young but once you have a family a car is necessary. 6. Stress - its true that work can be stressful in SG if you're ambitious. But just as in MY, if you want a simple sustainable life without too many luxuries you don't have to overwork yourself. Both countries are developed and have enough opportunities to allow for this lifestyle choice. Its just that people in SG like comparing and we psycho ourselves to be more stressed out cause we don't want to be left behind lol.

[@kelvincheng5901]

I think the part about comparing is easier said than done...even if u can overcome the urge to make comparisons your spouse/children/relatives will keep u on the rat race

[@zhen86]

The car in Malaysian buy is forever. Singapore needs to buy Coe after 10 years. Then you need to buy a new car after 20 years. and 99 years vs freehold

[@mkleng]

Appreciate your input here, Singaporean neighbours 🙌 SG is seen as a very effective and efficient country where everything works and enforcement is … well, working. How do Singaporeans see their country as and how do Singaporeans see Malaysia as?

[@ksh9394]

I like how he rephrase affordable to choice so basically if u live in double storey and own a honda city, u are a millionaire which he don mention. So he is like comparing a beggar who live in the street which is cheaper and hdb flat is not a condo with the same square feet. In short, u hav a choice lol. Malaysian who choose to buy landed proprty and b milionaire so pick your choice wisely. Plus u still can buy a second hand landed property if u think i cant afford the new one.

[@s.7980]

@idknight well-said. Thanks for the objective perspective.

[@kuangkyra5040]

Yes, working in Malaysia for 10yr as engineer is tough… salary is just 5k after 10yrs. Went to Singapore and with 5.5k sgd, my life was totally changed. Having better life, can pay all the mortgages and worry-free life with good savings in bank accounts.

[@ferhadilmyzat6028]

Bro is winning life..congrats

[@jillting1852]

Ur mortgage is in myr tho..

[@YoLo-nz2fo]

Any tips on how to jump to sg job market😅

[@Hetzerg]

5.5k sgd and living in malaysia is different.

[@forevergraceful6160]

But it is a pressure cooker country, I bet you know it by now.

[@MrVHI123]

Another underrated point about SG is their income tax rates. Their schedule is so much better than Msia's.

[@AnonozChong]

Yeah man, that's the key reason why SG housing is so expensive. Coz housing is more elastic than foods, transports etc.

[@Sam-us8qt]

Income tax in Singapore? What is it? Many citizens of Singapore don't pay tax if they have children. Their child care is also highly subsidised.

[@lyhthegreat]

income tax is low because singaporeans have to contribute 20% of their monthly salary as CPF...can you imagine paying like 30% of your salary as tax and then still having to contribute another 20% to CPF?

[@Sam-us8qt]

@@lyhthegreat Singapore CPF can be used to buy housing and retirement. The Malaysians can use EPF for retirement but how about housing? The Malaysians can only use 30% epf for housing. The employer in Malaysia contribute only 13% epf but employer in Singapore contribute 17% therefore if the basic salary is 4,000, Malaysians only get 4,480 (inc employer EPF) but Singaporeans get 4,680 (inc employer CPF). Singapore don't need to pay income tax if they have children

[@AnonozChong]

@@lyhthegreat So... that's like Malaysian EPF?

[@focus168168]

That's why the smart one ... come SG to work and then retire in KL. Work 1 year in Singapore is like working 3 years in KL. work 10 yrs in Singapore is like working your whole life in KL. hehe Retire comfortably in KL by 45yrs old.

[@atan9160]

You think really work 1 year = 3 years meh, after deducting living cost I would say 1 year = 1.5/2 years max

[@raninrai2849]

why u wanna retire in KL... aiyo.. retire somewhere peacefully far from big city la...

[@lomlom9798]

What if work & retire in Sg? Do u think its smart?

[@raninrai2849]

@@lomlom9798 i think it is depend on what u want. for me i will retire in tambunan Sabah (near my wife's village ) it is near a cool clean river. i wanna be able to bath in a cold clean river everyday... every week i will drive to ranau via an old route from tambunan. maybe sleep a day or two in cheap inn near kundasang to enjoy the view of kinabalu. I hope i will day of old age while watching the glorious view of mountain kinabalu.

[@Taka-nq3ys]

Well, that's only if you work without living in SG for all those years to find yourself miss out the "life" in Malaysia. There's no right or wrong, people look for different thing in life. If you're willing to sacrifice of youth in exchange of money, then you're doing the justice right. However, you can't say that it's smart. Because we all know that real smart people own businesses no matter which country they are in. :) (True rich people don't have to leave their own country to earn a fortune)

[@renj123]

i'm a Singaporean who lived in KL for a year. quite accurate, although I do remember some things in KL to be slightly cheaper and some things in SG to be a bit more ex. Like a regular hawker center plate of food is about $4+. you can still find $3 and 3.50 costs but they're harder to find. $4-5 is a bit more common. anyway there's one crucial factor that you haven't taken into account. When I was living in KL I tried to take public transport, walk and just generally save on transport as much as I can, and I found that nigh impossible. Just to get from Taman Desa to Mid Valley, it was a 45 min wait for a bus followed by a 20min bus trip. It was literally faster to walk there instead. That said, given the horrible consistency of pavements, walking was just terrible. You have to watch your step every step of the way. Either cars are out to kill you, or the pavements are. There are dangling wires. I cannot count on the fingers of my hands the number of times I nearly got a wire stuck in my eyes, or when my ankle got sprained by a piece of brick sticking out of nowhere in the ground, or when I was walking as far out of the road and still almost got run over by a car. I also had this motorcyclist come dangerously close to me, almost like he was considering whether or not to snatch my phone. The kicker for me was when I spent 3 hours to try and get from Sunway back to Taman Desa by public transport. I thought the trains were easy enough to figure out - I ended up waiting 2 hours for a train. While I walk and take public transport a lot in Singapore I very quickly gave up on doing this in Malaysia, opting instead to grab around. Whatever much money I might've spent on grab would save me way more in time of my life. But this also got me thinking - nearly everyone my age that I knew owned a car. Not just because it's cheap, but because it was necessary. Imagine spending 4 hours in commute every day back and forth. The comparison between public transport and vehicle isn't fair - cuz the average person I knew in KL would get around by car, whereas the average Singaporean gets around by public transport. But the story doesn't stop there, the average middle-class person does that not only because prices of cars are lower in MY, but also because taking public transport is egregiously inconvenient compared to Singapore.

[@futureengineer1]

1000% true

[@toreditahrin3717]

U need to have a car in MY like us Malaysian

[@vm1510]

Good video. As a Malaysian who first worked in KL and then in Singapore in a similar job. In the end I preferred Singapore. Maybe because I was lucky, but I did not feel that much stress at all in Singapore. Instead I suffered in KL because I couldn't afford a car so I couldn't go anywhere, and being paranoid about being robbed whenever I went out.(Thats just me) Since I'm the type to just work for a salary and have no big ambitions to start a business, Singapore provided me an ideal environment to work in. Food was cheap and transport was convenient. Malaysian food is still better though.

[@muhammadikhwan9676]

Legit, the food is the only reason I'm still in malaysia

[@str2010]

As a Singaporean I won't deny Malaysia generally had better food. But hey at least our chicken rice and Bak Chor Mee are not bad

[@markzzzzberg1312]

bullshit, you're a chinaporean pretending to be Malaysian ina comment section

[@vt3729]

Malaysian here... the stress of not being able to provide for your family and afford the medical bills for your elderly parents outweighs the stress of rat race... Generally, if you have family back in Malaysia, it is better to work in Singapore!

[@loohuibin2456]

As a KL Malaysian working in Singapore - I can compare: 1. Food is cheaper in Singapore if we don’t compare the exchange rate. Hawkers are around 3-6$. We can eat good tiers restaurant with $50 while for the same tier restaurant in KL would be around RM100. 2. Housing is easier in Malaysia. We can’t buy HDB in Singapore as a foreigner. A small two bedroom Condo in Singapore would cost minimum 1 million Sgd far from city. To buy HDB you need two permanent residents/ wait until you’re 35 years old. HDB is to be ballot / can’t choose which unit/ can only indicate your preferred area. Housing is Malaysia has much less restrictions. You can have way cheaper properties living further from KLCC. 3. Cars are easier in Malaysia. You can get a cheap Myvi around RM50k in Malaysia. In Singapore the COE alone cost you 100$ ( not counting the cost of car ) while cars have a limited age of 10 years in Singapore. However, you don’t need car at all in Singapore. 4. You can have more savings earning Singapore dollar. The pay rate in Singapore is generally higher ( even without exchange rate). Even after paying my rent in Singapore ( while I don’t need to pay rent in KL) - I still save more earning Sgd; savings were boosted after the exchange rate. 5. Its more stressful working in Singapore. Most people are workaholic and take pride of it. Comparison is normal. Malaysia is more laid back on average. 6. Agree that you will do well in Singapore if you’re someone that follow the rules, study well, work hard, be a professional. Anyway, both are great countries and have great people 🎉

[@PRSer]

Singaporean here. This video is pretty spot on in terms of comparison. Malaysia has what Singapore does not and vice versa. The benefits of working together is immense. Singaporeans have to work hard because we don't have the options of lifestyle that Malaysia has. It is much better these days because the younger gen and government are slowly starting to realise the pressure cooker worklife isn't good for us. BUT the strength of the SG dollar truthfully imo lessens some of the pain a lot of us endure. With some smart investing and saving habits, a lot of Singaporeans can really live a pretty comfortable life. The poorest of Singaporeans are usually still better off than a lot of the poor in Malaysia

[@MrMoneyTV]

Thanks for the comment! Yes totally agree. Both places has its pros and cons. SGD’s strength does allow one to live quite comfortably on average but also comes with the price of a stressful working lifestyle

[@jamesmadison3108]

@@MrMoneyTV Singaporean here. It also depends on the individual. I am blessed with a job that is stress free that pays higher than the median salary of Singapore. I am sure there are jobs around in SG that dont really have much mental stress.

[@PRSer]

@@jamesmadison3108 It's really a question of having realistic expectations. Singapore rewards the hardworking and go getters. A lot of the time there isn't much choice for the more laid back person who doesn't value materialistic pursuits but to join the rat race. Constant productivity is the lifeblood of Singapore simply because that what ultimately holds our strong robust economy together. The video here puts forth an example of someone who earns 4k SGD per month, which is actually a rather high number. I'm very certain quite a large number of Singaporeans do not earn that amount. Also Singaporeans have no options to live in a overall less expensive area/state like Malaysians and adopt a different lifestyle. Changi to Woodlands also still Singapore hahaha

[@jamesmadison3108]

@@PRSer I earn more than 4k. My wife too. And don't mind my nick, I am Chinese. Median salary in sg is 4.5 or 4.6 if I not wrong. That means 50 percent earn more than that, while 50 percent earn less than that. Your statement that many earn lesser than 4k is soo wrong. If u yourself and your friends earn lesser than 4k, I am sorry. Your circle of friends including your friends belong to the lower spectrum. Dont expect all Singaporeans to follow your standard. You don't speak for the majority.

[@jamesmadison3108]

@Random Potato it doesn't matter because I won't live pass the 99 year lease anyway. And I could always sell after staying for 30 years before it's value depreciate. U just got to know how to game the system. The stupid and poor ones will whine and complain. Basically the saying is true. The poor will be poorer, the rich getting richer. If people whine and complain, it does nothing good for them. They are just whiners. Do something about it and you will know how to have things to your advantage.

[@Luthaniel83]

Technically if you bring foreign goods into comparison, you do have to look into the strength of the currency. Because the RM is weaker, you need to spend more on imported items like Starbucks, MacDonalds and even the iPhone. Cost of living can be lower in Malaysia is one choose to consume local products instead of foreign imported goods. But things in Singapore are mostly imported because we have no resources. While I was in KL PJ, the cost of food, movie tickets and shopping literally felt the same like I was back in Singapore even after conversion. Simply because the goods in PJ are mostly imported foreign goods and my SGD did not feel much bigger over there. But a huge thumbs up to this video as it really did a good comparison and outlining many good arguments. Singapore despite its many pros and subjects of envy still has its cons as well. We are still a nation that is generally low in the happiness index (pre-covid time), due to stress and life here. But we all learn to make do with what we have in front of us and make a living.

[@johnong2655]

Let's not say Starbucks or McDonalds. The local FnB just leverage on the inflation and prices offered by these big foreign companies just because they want sell it at a premium price for more money

[@sorcereh1]

Do Malaysia make local phones in the first place?

[@johnong2655]

@@sorcereh1 Malaysia can, but policies for that scale of manufacturing often favor monopoly, kleptocracy and aristocracy. It really hinders us from progressing or making regular businessmen and entrepreneurs handicap. Mr Money might sound very enthusiastic, but the reality is often business deals are often met with those nonsense government policies

[@shamshulanuar7718]

@@johnong2655 such as?

[@oyen_ke]

This is a good video to compare RM to SGD, but again I agree with your argument. Not all Malaysians will go for international brands on a daily basis, most would opt local branded goods, some of the comparisons also are not that fair, not all who work in KL actually live in KL, RM1,500 rent for example is already a premium, not many will spend RM50 daily just for food, but I get the video when it looks at if someone is earning RM4k. But when speaking of experience, in terms of buying power, i earned RM3k, could do all those things and have a wife who does not have to work. But again, that is from a personal standpoint.

[@kevin9536]

Thanks for the great video that point out advantage of earning SGD. After been living in both KL and Singapore. Personally I think mental stress is much more higher in KL compared with Singapore. Other than financial stress, time management (travel by car in KL) & safety are another two big contributors to the stress level living in KL.

[@wyc7629]

Choose to live in Singapore for some Malaysian was not solely due to the salary or buying power, there are other factors like social security, racial harmony, fair career chances, fair education chances..etc. I moved here 10 years ago, I got to work + study ( pay for my own studies) + save at the same time which I can’t in kl. For now, besides owning a decent HDB and started a family, I also providing my dad back in Malaysia with decent allowance monthly. And agree, the working environment here is competitive, stressful, and requires fast responses, you need to constantly learning new things, else you will feel left behind. But if you are capable, plenty of chances waiting for u to take up. I guess this is why Singapore residents spend fair bit of their savings on travels during holidays, most of the friends I know, they work hard and play hard too.

[@shamshulanuar7718]

I have many friends who work in foreign countries like Sudan ,Libya, UAE, UK. Each has his own story to tell. No doubt the salary plays a huge deciding factor. But one thing ai notice on many ( especially Chinese friends) is that they love to portray Malaysia( meaning Malayled govt as racist). They listen to DAP too much. They are challenging there article 153 of Constitution( in Singapore article 152) . This article is there in first place as a return for Malay Rulers consent to massive citizenships granted to Non Mlays in 1957. I mean who would want to grant something so massive rha it change the demographic landscape politics forever. Something must be given back to Malays in return for accepting non Malays as citizens.

[@astroboy8390]

Finally!!! the explanation I have been waiting for so long, the key is all about buying power & currency...no wonder most of malaysian prefer to work there

[@MrMoneyTV]

Yes!! Hope it helps u!

[@nicholasy2715]

the key is FX rate. if you work and stay in Singapore without converting your savings back into MYR, you are actually back to square.

[@adrianm0466]

@@nicholasy2715 this myth is debunked in the video if you pay attention

[@kidzkidz93]

Another thing to note in Singapore, employers actually pay 17% for employees' CPF, which makes owning a house slightly easier with that extra cash in your CPF.

[@zhen86]

Lol not all of it can be used for housing la young man.

[@forevergraceful6160]

@@zhen86 yepp true, also you don't actually own the HDB, you hv to give it back to govt after 99 years, how sad

[@NigelYap]

For those Malaysians converting to PR also remember to budget in 20% of your salary going into cpf

[@str2010]

@@forevergraceful6160 well, nobody is going to live til 101, and odds are everybody's kids are going to move out when they get the chance so it doesn't matter much, although I'd rather they not demolish old apartments once the lease is up

[@kn3289]

Employers in Malaysia also contribute 13% to employees’ EPF

[@genzuk]

i came to Singapore 20 years ago with 1k sgd in my wallet. Singapore is a land opportunity for hard worker IF you enjoyed working for others (especially MNC) as salaries rise a lot faster. Specifically, if you are in IT, it's not uncommon to make 4-6k/month as your start salary and rises to 10-15k for seasoned professionals. The generous tax system, low interest rate and evolve pension fund gave a lot of flexibility - a hard worker with his spouse can be a millionaire in 10 years' time. and factor in the strength of SGD - at the end, if you have an exit plan back to Malaysia - working in Singapore is a great way to FIRE.

[@ryanlim5518]

hi there what if you want to operate a business in singapore and not for other people? What is your opinion for that pathway?

[@wanabdulwahab6953]

I earn a lot more in KL than my friends who live in Singapore. Essentially it’s all about your effort and objective in life.

[@elysekymberlyteoh9261]

Absolutely. I really feel that it's more of what someone wants in life rather than just dollar & cents.

[@MrMoneyTV]

That I agree. Malaysia does provide great opportunity too.

[@oug2000]

Take note Mr money is comparing both Singaporean and Malaysian that has both same earning power.

[@TianYu87]

you are right... Singapore cost living not so low as per this video, i am currently living in singapore, i am from KL also... the cost living in singapore per month is around SGD 1800... dont simply said u can eat SGD 3.50. because this price is 5 years ago.. now chicken rice already 4.50

[@seanchen9265]

I guess Mr Money TV make video based on assumptions; He hardly cite any official documents etc in his video 😅🤦‍♂️

[@davidscz]

On the stress level, for my previous portfolios the stress level is the same for both Singapore and Malaysia. Both roles 8 months in a year I slept less than 5 hours, other hours were spent working, having a free weekend is rare. But that was specific to my role and company in both countries. Only difference is staying in Malaysia you have family support (mom cooks home cook meal, getting to meet family more often) that eases up mental load slightly, but yea generally speaking for other jobs I guess it is more relaxed in MY - but again hard to generalise, ultimately still boils down to the role, industry and company.

[@hailyrizzo5428]

I guess you are speaking on a personal level as a foreigner in Singapore. Singaporeans themselves would be living with their families, in fact probably until they get married. Don't forget many Malaysians also leave their hometowns to go work in the big cities like KL and so will also be apart from their families.

[@davidscz]

@@hailyrizzo5428 My point is it can be equally stressful in both countries, ultimately depends on your portfolio and role. The living with family part is secondary point - it is good to live with family, but it doesn't change the fact the stress level can the same dependent on the role you take

[@natep6729]

Finally! Someone said it!! I've been doing these comparisons and calculations for quite some time now when I started researching about moving overseas and that's why I don't get it when people in developed countries (some) complain about the high cost of living. Like, yall get things for so cheap and your salary so high and yet you complain? You clearly haven't worked and lived in Malaysia.

[@lyhthegreat]

KL is not the whole of malaysia man..and you must be mistaken when you say all singaporeans earn a high salary, as a matter of fact there are many and i mean many singaporean who are living well below the poverty line..it's just that their existence are very underreported.

[@esker6807]

Dude in sg you no qualification u die, moreover this video did not start of rightly mainly because SG and Malaysia pay would be different due to the qualification. And for your kind info, it is a high cost living here in SG. And it's not so "cheap" now as you've sai., Cars and houses are way more expensive in sg than it is in malaysia, and moreover a percantage of your salary goes into CPF. I'm not tryna say Malaysia isn't a high cost living but your statement is wrong lol. Not to mention that in SG you have to pay certain stuff extra to own something.

[@skyhayato]

As a Singaporean myself, simply put I feel Malaysian has the choice to work 10yrs in sg (30yrs equivalent of salary in Malaysia) and go back to the hometown and enjoy the 20yrs

[@ismailbinatan2674]

I said the same thing to my sons...work a few years in singapore , buy a car and buy a house (at least 10% down payment)....return to work in malaysia....

[@laiszeyap]

Good idea ..

[@zer0pulse156]

@@ismailbinatan2674 while in theory, this is awesome, there will be several things to consider, your son might like Sg better especially if he can land a good job and become PR...

[@Jack-hy2ki]

U as a Singaporean also can work overseas.

[@NicodemusChan]

The thing is, Singaporeans take for granted things like meritocracy, and an honest clean government. Material things only give satisfaction to a lower level. You can always save to buy an iPhone, etc. Removing corruption, institutionalised racism. These things have only gotten from bad to worse in Malaysia ever since I left.

[@jamestan9864]

Living in Singapore as a graduate here, all my friends/peers out there are competing for the highest salary + best jobs out there, always jumping to a “more renowned” company each time. On the other hand, I feel comfortable with an average company, however, I feel like I’m being judged and kinda left behind in a sense when everyone’s making more. Everyone’s always talking about their career, money, our future plans, and even comparing with one another. Thus, you are right with the competitive and stress part of Singapore. Like seriously, spot on.

[@MrMoneyTV]

Yes that's a priviledge in Malaysia that comes with a price. haha 😂

[@colin-7711]

Actually on the flip perspective, Singapore is a money making hub, grinding your early years you can comfortably build a passive income and retire at 45 - 55 years old. Isn’t it better to just work for 20 + years and you can live how you want for the rest or work till you die 😂

[@kenchin4555]

@@colin-7711 there's a reason why many of us here still refuse to renounce our citizenship

[@Bobby-gg5gp]

@@kenchin4555 what it mean? sorry

[@naofreehito]

Well explained! there are some misconceptions people have about staying in Malaysia / Singapore. Pretty well covered! One of the main reasons for Malaysian me to come to Singapore is the environment. It is so much safer here.

[@logicalcomments350]

U forgot to mention that the honda jazz in Singapore can only be driven for 10yrs while that same jazz in malaysia can be driven for as long as it runs. And for non Singaporeans working in SG they can't get a HDB hence their cost of buying a house will be about double if they go for a private apartment of the same size .

[@forevergraceful6160]

yepp!!

[@mrquo7288]

whatttttt

[@footytube9500]

work in singapore, then come back malaysia to retire. best of both worlds.

[@cslee7114]

Well done.. Same feeling when working in China for 8 years. When u factor in other variables like education, healthcare.. Prices in Singapore seems very fair in terms of purchasing power for the equitable quality of goods and services...also from statistics.. 13.2% of Singapore households has monthly income of 20K..tat also speaks of the Purchasing power..

[@juliantqj]

Hey Frankie, first of all I want to say, it is truly telling how much effort and research has been done into making this video. I really appreciate it! As a Malaysian who's been through the entire system of studying (both in MY and SG), graduating, now working in Singapore, in my opinion, you've hit all the right spots. Working in SG does indeed grant you slightly better purchasing power than in MY. But I have also seen many of my friends (MY and SG alike) who live their lives pay check to pay check and unable to save a lot, let alone have leftover money to invest. What I truly believe is regardless of the cards you have been dealt in life - where you live, what currency you earn, at the end of the day, it is all about living below your means. Ultimately it also depends on what you value in life - no right or wrong answers :) Personally, I like the constant pressure and competitiveness especially in my mid 20s, trying to sharpen my craft, hone my skills. Of course, I would love to come home and contribute to Malaysia one day. Now, I have a fantastic video that depicts an accurate representation of the pros and cons of living in MY/SG to share with friends and family. Once again, kudos to you! What a wonderfully scripted and shot video. Keep up the good work.

[@gohguoliang4566]

Hone your badminton skill? Your skill better in Malaysia or in Singapore?

[@juliantqj]

@@gohguoliang4566 I'd like to think my skill can multiply by 3 in Malaysia. Whether or not the reality is the same as what I think is a whole other topic ;)

[@MrMoneyTV]

Thank you! True when it comes to spending it still depend on one’s lifestyle. If the person earns more but living way above his/her income no use. At the end each country provides its own opportunity. It comes down to each individual’s ability to make the best of it! We wish u all the best in your journey there! Hopefully one day we see u around!

[@hansontan6025]

Actually Frankie was comparing Malaysian vs Singaporean ... not Malaysian vs spore foreign/PR worker

[@juliantqj]

Hi, thanks for the comment. Foreigner or local, pretty sure I'm paying the same price for groceries as my fellow Singaporean buddies out there :)

[@GBC-by6cr]

Malaysian here and I have been working in Sg for more than 10 years. I think it very much depends on the priorities of an individual. Some choose to settle down in Sg for the sake of their kids education. No doubt Sg provides better education but imo, the most important thing for my kids would be the character (人品). in terms of cost of living, yes, you are spot on except the rental of the studio apartment and the average price of a studio apartment. Not to mention about the cash upfront for buying an apartment or hdb or car, you will need to cough out A LOT of cash. My personal preference, Malaysia is still a better country to settle down in consideration of all the criteria. However, SG is also a good place to settle down. But if to choose, Malaysia is still the one to go for.

[@MadaraUchiha26150]

Absolutely agree

[@wumao6797]

Hiya I am thinking of retiring in MY but was told by some Malaysian Chinese working with me that 1) Chinese are treated as 2nd class citizens and being bullied by Malays and 2) The crime rate is pretty bad and after sun goes down don't go out unless in a group and to brightly lit areas. Is that true or are they just pulling my leg?

[@GBC-by6cr]

@@wumao6797 Hi, undeniably it’s part of the facts that Malaysian government prioritize malay over chinese in Malaysia but not to the extreme extent (some Malays are very nice to Chinese and can become friends) and yes, crime rate is definitely higher in Malaysia as compared to in Sg. However, just like what mentioned in the video, there are pros and cons in each country. It’s good to weigh the pros and cons and decide which country is best for you to settle down. Since I’m a Malaysian, I know very well the culture of Malaysia. So in an overall consideration, I would still prefer to go back to Malaysia because in Malaysia it’s more lay back, relax, plenty of business opportunities and the list goes on. Security wise, personally I would spend more on protection such as house alarm system, security film for car windows, avoid going out in the late evenings and etc. Government wise, hmm, there’s nothing much we can do about it. Just have to accept the fact and hope the country will restructure itself for a better future.

[@shamshulanuar7718]

@@wumao6797 no. One think about the Malays ( despite all their shortcomings) is that they are not racist. It is just that they refuse to kowtow to DAP that makes them being accused as being racist. Malays are very benign I can list all their shortcomings. But racism is not one of them I'd they are racist, Guan Eng and Kit Sing would have been dead by now for playing with racism for decades. Remember the racial riots starts with the provocative Chinese procession into heart of Malay settlement

[@NatilinSeah2918]

@@wumao6797 most important thing if want to retire in Malaysia, must at least try to learn and understand some basic malay. This will help a lot when dealing with their govt service and majority of the population.

[@luqmanhakim5286]

Working in Malaysia sometimes is not relax also. A lot of my friends including me have gone through stressful and toxic working enviroment in Malaysia. So it all depends on the workplace culture but mostly it is quite bad and underpaid salaries.

[@and6208]

This is a great video which summaries the key differences in terms of living expenses, thanks for sharing! I live in Singapore for more than 10 years and it is truly much affordable than KL. However, if you compare the lifestyle between 2 cities, I would say KL is a vibrant city and it never sleeps. You can easily buy dinner/ supper in KL after a long day of work but it is very limited in Singapore if you want to da Bao after 10pm. In KL it is so easy to find a mamak and spend your evening with your friends till midnight; however in Singapore, the street is generally empty after 10pm. All in all, I would say it is not true that currency is only reason that attracts Malaysian to work in Singapore; I think the main reason is the political conditions in Malaysia and it is unfortunate that racism continues to be the driver in Pentadbiran even after 60 years! I was thinking the 2018 election could change the game and make the country great again but I was wrong… I still remember most of the Malaysian in Singapore and other cities purposely made their way back to complete their duty as a citizen. The determination in everyone eyes really amazed me!

[@酸民殺手]

If you live in Singapore condo VS Malaysia condo, I doubt Singapore is more affordable. My cousin first graduated from uni and got RM3.3k as his starting pay and he could already afford to buy a condo at 850sqf at RM330k while Singapore is making SGD4k can’t even afford to buy a condo at 850sqf in Spore as this will cost them SGD 1 million. So not really fair to waive off the housing factor but use HDB flat in Spore to compare Malaysia condo. Malaysia flat rental is RM550 for 600sqf with two bedrooms, how about that?

[@shamshulanuar7718]

And May I offer my insight on this so called racism. I am a Malay and used to work in private sector in Malaysia.in all honesty , I just say once the top management is controlled by Chinese, non Chinese suffers from racism. And this is the truth. I have seen how Chinese promoted over their colleagues when their colleagues perform better or have longer working experience in that organisation. Don't get me wrong. I am not against Chinese But ask around Malays , 99% will vouch Chinese organisations are racist. As for 2018 election, statistics shows only around 30% of Malays voted PH. And Mslays learnt changing govt to Oh is costly. Almost all of that 30%regretted their move to change govt. If they think UMNO led govt is bad, PH is a total disaster. That God, PH collapsed

[@酸民殺手]

Shamshul Anuar Having said so, Malay leaders have been racist in the past decades ever since they introduced QUOTA system that leads to the current situation too. I met few MEDICAL Uni graduates before who can’t even speak English but under Quota system, they were able to get into the faculty. So who is more racist? Then I can quote the same as you “don’t get me wrong, I’m not against Malay”? Sounds funny of you, right after you have made your single-sided biased accusations then tried to cover your backside😂😂

[@zer0pulse156]

@@shamshulanuar7718 I agree about your insight, I think almost all companies have biased and top managements prefer their own race (NOT ALL), whether it's at My or Sg. However, what we can't deny is the overall (as a nation) this is not the case...

[@bunnystrasse]

@@fauzanashraf5410 but Malay-dominated government still favour Malays, no?

[@tototony1707]

i like his comparison, but whether work is stressful or not is really depends on individual. Working in Singapore is not always stressful. So work in Malaysia is not stress at all? very easy and relax to work in Malaysia? I dont think so. Some of his points is quite stereotype. I have friend working in Malaysia change job every 1 or 2 years due to the unhappy working culture in every company he went. My friend decided to come work in Singapore and he managed to work in a company for 8 years and still happily working with the working culture here in Singapore.

[@footytube9500]

very true. The biggest reason for leaving a job is usually because of bad manager. Not all managers in malaysia are bad, but there is a disproportionate amount of bad managers and it probably has alot to do with the brain drain. in a competitive environment like Singapore, the best workers rise to the top and in turn, the quality of good managers is pretty high. Competition is good because it makes everyone better. Of course, the draw back is that you can't be incompetent in a place like Singapore or you will stick out like a sore thumb at your job. =). To each their own, but recognise that SG doesn't put up with incompetence.

[@sagan08]

Totally agree with you 🌝 If you are not working in a proper company/MNCs in Malaysia, buckle up! Most companies don’t practise work balance culture, in short they don’t give a crap about your well-being. In my opinion, this is subtle systemic slavery. Worst scenario would be, workload keep increasing but pay doesn’t increase for years. Company making good profit but refuse to pay bonus. This is a very common scenario in Malaysia. We call them chinaman companies, referring to mainland mentality of forcing people to work just because employees lack of options. Good pay and progression with crazy stress is wayyy better then shitty pay, no progression plus never-ending workload leading to crazy stress. That’s why people are pissed with racial bias when it comes to government jobs. They having it easy, can retire at 55 with 60% of their salary contributed to them as pension til they die. This is regardless of your position in the government agency, like wth.

[@johanharris2806]

@@sagan08 you mentioned about government jobs, it warms my heart every time I see a non-bumi in uniforms as they are very hard to come by. Why this thing happens do you think?

[@aarontan2984]

Once lived in Malaysia on Singaporean salary. Best time of my life 😅

[@personal9045]

If you can get a $4k per month job in Singapore, you must be very skilled or work super long hours. Fresh Graduates usually only get $3000 or so. While a 4000RM job in Malaysia I will assume is pretty easy to find for a degree holder. If you are living in Malaysia, you shouldn't be buying Internation brand items. There are so many local items to choose from. Why go for Starbucks when you can go to a coffee shop. And if you can't afford iPhone, then get Xiaomi. If you are looking at international items, your pay got to be on par with international rates. And 4kRM is not on par with international rates.

[@nurfaizah6623]

Erm.. i dont think so.. i got 3600RM in malaysia (i started as fresh and after 4 years of working it became about 4000rm) when i got the same position in Sg (with this 4 years experience from msia) the company in sg offered slighhhhtttly higher than 4k Sgd. My point is, the salaries with the same experience years are about the same..

[@kuangkyra5040]

Sorry to say that, rm4k for fresh grad is almost impossible to find in Malaysia. Most of my friends are offered with 2.2k-3.2k.

[@personal9045]

@@kuangkyra5040 Sorry I didn't know the normal pay in Malaysia for a degree holder. Maybe the video should use 2.5k SGD Vs 2.5kRM as comparison. And both of them should not get a iPhone or a new car

[@starman1994]

Wrong, Malaysia is more stressful when you have a family to take care of. Lets put aside the day to day struggles just to go to work (traffic jams and congestion in public transport) and talk about kids. Do you know how bad the national education system is in Malaysia? I have many friends that decided to send their children to private schools or "better" govt school which were further away from where they stay. The cost of kindergarten, tuition centres and lets say music classes are all very expensive in Malaysia (will take a toll on middle income families). If you are a Malaysian, ask yourself how much do you have to spend to bring your family for a vacatiion in Australia? I have lived in Singapore for the past 15 years, my son was born and raised here. I bought a local HDB 10 years ago (yes, wifey and I managed to save up for that in 5 short years). When my wife and I were working in KL, it was just as stressful as we did when in Singapore because we were both chasing after bigger bonuses and higher salary increments. If you don't have such ambitions, it is the same in Singapore where you can find lower paid jobs with lower stress levels too. Imho the only difference between both countries is the competence of the govt , one looks after the citizen's welfare while the other totally screws everything up for the citizens. I rest my case.

[@BadPICKLECT]

in Sg, u cant buy really cheap cars. because In Singapore, your car must be de-registered after 10 years unless you pay to renew your COE. In Malaysia, you can buy cars less than RM 10k. there are many cheap way to live in malaysia. But in Sg, the entry lvl is just much higher. Chances are high that , your parents will have extra car and house for you in Malaysia.

[@khalidsuxx]

my car 2K only haha malaysia

[@simalbert626]

Finally a really good video about the comparison of Msia salary vs Singapore salary. Don't forget that if you're PR/citizen of singapore, you'll have cpf (around 37%) compare to Msia epf just around 23-24% only. The inflation rate in Msia is very terrible, if I am not mistaken, the inflation over the 10 years is 22% in Msia. While the starting salary for graduate in 10 years ago was actually RM2800-RM3000. So 2021 now, how much for the graduate starting salary? From the data that I get from DOSM, the starting salary is decreasing too or maybe also same as 10 years ago. Seriously I hope every Malaysian should wake up and take serious about this issue, we need better future and grow but not stagnant for anothet 10 years ! *Facts: if you look the salary for IT sector, the IT salary in thailand actually better than Msia now. Thailand also got their own pharmaceutical manufacturer (vaccine). While Msia keep losing on track. Please wake up and save Msia together

[@shamshulanuar7718]

SIM Let me clarify Malaysia too is the process of producing its own vaccine Granted it has some weaknesses. And significant change happens due to change iof govt.. Unfortunately, pH was much worse than UMNO led Govt. I am just staring it point blank and many can't stomach it the reality is painful. But slowly the equilibrium sets in The next govt ( election likely to be held in 2022) will be Malay majority too. I mean Malays learn their lesson well and realise how ruthless DAP can be. And not to mention how incompetent DAP actually in real life. As for stagnant salary, I notice the resistance comes from employers who give sonamy excuses like they are struggling while at same time renovtiing house extensively. Malaysia has a lot to clean up. But certainly it is not a failed nation

[@simalbert626]

@@shamshulanuar7718 I guess you should "clarify" something with data and facts? I don't see any data or fact in your statement, instead you directly blaming DAP and praising UMNO. I don't see a point to reply you here, please get yourself with knowledge, especially gathering data and facts next time before reply in public area like here. *Don't get me wrong, I not a pro PH gov too, and I'll only choose those competent leader instead of those "old folk" leader for our government.

[@Chris58851]

Overall we should give ourselves several choices, don’t let pride and prejudice clouded your mind. If SG fits your lifestyle then move there otherwise you can continue to stay at Malaysia.

[@khanAdrian]

Casino dealer in Malaysia was paid RM3.5 per night shift allowance. In Sentosa was paid $20 per night shift allowance. Both casino are owned by same company.

[@etet382]

True in some areas such as cars, but in Msia you are always worried about money. I would say its a different kind of worry. Yes Spore is much more competitive, and you may feel mentally drain at times, but you don't really worry so much about money, more on work etc. But in Msia, you have more expensive housing loan to pay (i.e 500k) relative to your income, car, fuel, parking, food, higher broadband and utilities bill, you are practically left with no savings at the end of the month, and there are other factors that you worried very much about too in Msia such as politics, crime, safety, traffic jams etc and all these contribute to long-term mental stress and health too. However, Msia has one of the most affordable healthcare in the world which is big plus vs spore.

[@Pinewoodpine]

How to deal with cost of living: let's start with not eating from Starbucks and McD 15 days out of 30...

[@nixonsiow]

Yes, Malaysia has so much room to grow and is the best place to create something new and explore opportunity. Feels like a life adventure.

[@sitiefajmal8265]

Very well researched and presented video! Thank you. It always bothers me when family members go "Oh you live in _____ must be damn expensive (or cheap)" or when they do direct currency conversion for cost of goods. More people need to know about BUYING POWER and comparative salary norms. Again thank you for this video!

[@ninger4199]

In Singapore, the down payment for a property is at least 20%. While in Malaysia, the minimum down payment is only 10%. That being said, Singaporeans/PR are able to use CPF (= EPF) for down payment and monthly mortgage, so the cost of housing is actually quite manageable and accessible by almost all income levels. As a Malaysian who lives in Singapore for more than a decade, I agree mostly that working and living in Singapore is “cheaper” as compared to Malaysia. You are spot on about the working culture in Singapore. The rat-race culture here is entrenched. It goes all the way from the moment a child is born. It is insane. There are so many pros and cons living in Singapore vs Malaysia, you can never draw a conclusion easily by just comparing the cost and quality of life. Singapore is able to offer more than just career opportunity and spending power. If you ask any ex-Malaysian who has converted to Singapore citizen, I can guarantee that most of them will bring up the points about safety, fairness and social justice. It is not an easy choice, and at different stages of your life, you would want different things. Personally, I look forward to the day where I can retire comfortably in Malaysia with the wealth that I have accumulated in Singapore. It is an opportunistic mindset, I know, but everyone just wants the best for themselves. I hope you can speak to people of this profile to hear their perspectives ☺️

[@thamilmuthu8501]

I’m a Malaysian and working in SG. Since I’m staying in JB, I earn in SGD & spent in MYR. But due to covid19 can’t commute daily to work. So staying here for time being :)

[@Kaktus_mum]

Hi are u still commuting daily from jb to sg

[@atan9160]

Not a fair comparison, (without converting) KL salary is higher than Singapore. For e.g. a Senior Manager in KL may be earning RM15-20K but in SG only SGD8-10K. Your case study more applicable to junior staff/fresh grads

[@kenchan300]

Exactly. I’m Malaysian working for a SG company, paid market rate of an SG employee (not the lower foreign rate). My peers in Malaysia making the Malaysian rate gets about 1.5 to almost 2 times in MYR what I get in SGD. Take Median income as an example. Malaysia is about RM7.5k whilst SG is SGD4.5k. In his example, Frankie is making almost half the median income whilst Jazmin is just short of median. They are not in the same stage of their career or a comparable situation.

[@atan9160]

I think your multiplier of 1.5 - 2x is quite accurate. I have a friend currently getting RM12k in Malaysia got offered SGD7k in SG. So whoever dream of working 1 year in SG = 3 years in Malaysia, it is just a fairy tale. After deducting living cost, yes no doubt you will save more in SG but the diff is definitely not x3

[@weilk7420]

@@atan9160 the fairytale may be true if you have relatives who let you stay free or let you p@y a nominal sum for rental. Tgen definitely can save almost 3x compared to Msia.

[@muhammadikhwan9676]

The real mvp is the people who work in singapore and live in johor. Best of both worlds

[@Patroclus27]

Realistically speaking. Unless you travel multiple trips a day, the $120 monthly pass isn’t worth it. My monthly expense on transport is $60-80 for going to and fro work

[@personal9045]

If you are in Malaysia you can choose a local car that is a lot cheaper. Stop trying to buy international brand items when you are not making an international rate. While in Singapore honda Jazz is probably one of the cheapest options you can choose already.

[@ISTARI22]

I do agree that if you compare dollar for dollar, it is really expensive to be staying in Malaysia with a ringgit salary. Malaysians working in Sg are not counted. I'm talking about those Malaysians working in Malaysia. Salary is stagnant, inflation all time high. Alot of my Malaysian friends struggling and can mostly afford to eat at home. Esp those that work rm1-2k salary. Don't talk about abt rm4k salary la, that's considered the better range salary already. In Sg, still can buy mrt chicken rice $2. Malaysia with that small salary, food prices are fucking ex. Rm 50 finish like water. Sg still have housing grant all this from gov, Malaysia don't have.

[@MrMoneyTV]

That's true.

[@alextong6318]

Malaysia's cost of living is definitely higher than Singapore if we compare the salaries earned there. That's because the Malaysian ringgit is 3 times lower than Singapore. The inflation rate in Malaysia has skyrocketed while the salary is still low. Singapore manage its economy better than Malaysia but the main disadvantage is the lack of landed property and space. The other thing is Singaporeans are much ruder.

[@samiao90]

Yeah I cant believe how fast inflation in Malaysia skyrocketed after each GST / SST introduction, Flour/rice/petrol price adjustment, and also now Covid. Basic stuffs cost so much, and if we look at fast food, in the 90s, seems like a luxury, but by 2010s, got affordable, not its back to a luxury. Mindblown.

[@alextong6318]

@@samiao90 All thanks to a corrupt, inefficient govt who cater for only one race.

[@samiao90]

@@alextong6318 yeah. And I can’t believe some people still can’t see that. Still thinks they’re the best bunch of politicians. Whereas some from the privileged race, instead of working hard, fly to countries like AU/NZ, “applying” for asylum, and work in factories to avoid immigration officers and earn good money without needing English. Then in our head will be like: “aren’t you the more privileged group? On what terms you apply for asylum? You got all the special rights back home”. This is why Malaysia is top of the list for overstayer in AU, thus u can’t apply for travel visa easily without thoroughly prove you have no intention of staying behind after entering the country. Ok I’m abit off topic now. 😂

[@alextong6318]

@@samiao90 The ringgit plunged from rm 2.50 to rm 4.2 is a reflection of the confidence the world see of Malaysia government and yet most people still vote for the corrupt govt.

[@nazrisaat78]

So go out from Malaysia la..you can live in Sg what cos majority there is your race..

[@jeffinvests7729]

as a malaysian that stay in singapore, if you are earning the same, singapore has much higher disposable income. because the housing loan can be paid by CPF, aka EPF in malaysia. Meaning you dont have to pay a single cent in cash(except the 2k cash in register of interest). if you earn 4k, bring home pay is 3.2k you can have easily 2k-2.5k as disposable income. versus in malaysia, your bring home pay must deal with housing loan & transport! you might left nothing for investment. with the annual 20-30k disposable income, invest in 5% dividend stocks can achieve financial freedom faster too.

[@katchng]

Epf can pay housing too

[@jeffinvests7729]

@@katchng thanks for reply. can it fully cover the loan repayment? In SG, given 4k salary, it is able to pay the housing loan and still has surplus for retirement, because employee contributes 20%, employer contributes 17.5%. however i have to say that in Malaysia, it is easier to have multiple properties as versus in SG, you have to pay 12.5% of property price if you own more than 1 property...

[@simalbert626]

@@katchng24% of epf contribution rate, how to sustain the house loan with your epf? Singapore cpf rate is 37%

[@ychongong4680]

Don’t forget u need to pay back interest to CPF money u lent to yourself after the lian period.

[@Jack-hy2ki]

@@ychongong4680 yes. That is to fight inflation and interest lost if park inside CPF. I see nothing wrong. Just treat it as taking loan from ownself and paying interest to ownself.

[@zzy341]

Hmmm.. somehow my cousins in Malaysia all started owning cars when they are 17 or 18 or when they first started working. Me being born a Singaporean only managed to get my first car at the age of 30+ and still feel like it is a struggle to afford it. My cousins all bought houses not long after they started working and they cost about RM300-500k (my HDB is more than S$600k), all in Penang state, all landed and about 3 times bigger than my HDB. They even tell me they cannot afford to buy high rise but yet can buy landed! I still remember when i bought furniture from JB, the deliveryman commented how small my house is when they send it over. Wow!

[@etphonehome6950]

Obviously they have not seen Hong Kong or Japan houses

[@stanstan6012]

Dude if we exchange government i dont think you wanna be a Singaporean. You guys are having one of highest execute level government, what can u guys ask for more ? Not every country nor human has this luck to being "control" by this kind of government. Singaporeans pls don't 生在福中不知福

[@zzy341]

@@stanstan6012 now we are saying about where is cheaper to live. Not about government is it? Well I wouldn’t want to be Singaporean now too. I would prefer to be a Singapore PR so that I can buy big houses back in my “hometown” when I retire.

[@kelvinchui6467]

These are already highlighted in the video. 1) the barrier of entry for cars in Malaysia is low, no need for large down-payment unlike Singapore. The only thing not highlighted in the video is singapore's COE. 2) you're comparing apples to oranges, he also said cost of living in other states will be much cheaper than KL, yet you're comparing Penang with Singapore which obviously has a lower cost of living. 3) your cousins seem far more knowledgeable. Landed properties are generally at the outskirts/suburban areas. High rise are usually seen at city, so the condo they are referring to is either in KL city or at least georgetown which is the city centre of penang and not at the suburban areas. This is an issue that happens all over the world. You can probably own a large piece of land at some sleepy state as compared to a condo in New York City. Singapore is so small that the entire country is a city and a state all in one.

[@zzy341]

@@kelvinchui6467 what do you mean barrier of entry for cars is Low? Is there a need for large down payment in SG? I still hear people buying car with almost no down payment. 🤔btw COE is already reflected in the car price. What he did not mention is the road tax, petrol & parking which are much higher than in Malaysia from what I know.

[@kenchin4555]

On buying property, while the value comparison is valid, it did not address the hurdles for a Malaysian to buy a HDB in Singapore. First, you'll either have to: (a) be married to a Singaporean citizen/PR (b) convert your citizenship to Singaporean and wait until 35 years old If you don't meet any of above, then you'll just have to settle for private condos, and that brings the price tag to $1,200,000 for 1000 sqft. Now, this comparison works better for me. Personally, I think Singapore trumps in these things: (a) amazing public transport, cycling facilities and access to nature parks (b) top-notch safety and security (c) prompt and efficient action from all parties, whether private or government (d) priority access to plenty of global services (Disney+, Apple Store etc) On the other hand, things that you can't get in Singapore: (a) actual food (yes, no questions asked, don't start) (b) physical and mental space, ie livability. In better words, there's more quality than quantity. But sometimes, I need that quantity. (c) character in people - you'll usually find more diversity among non-locals (d) access to live anywhere else in a tropical setting - beach, city, highlands, small town, forest, island All these accounted for, I find that the best middle ground is to stay Malaysian in a Singaporean island. While Singapore can give you money, Malaysia can give you wealth.

[@jiaryi]

Well said! Enjoy the best of both worlds 😊 Because of the covid, there are more Malaysian food popping up at hawkers and home businesses. I found quite a few good KL hokkien mee that taste like home - terribly missing the 222 PJ hokkien mee..

[@yys848]

Living here 22 years now, s'pore is not that hard in everything. Fun, clean, safe.

[@LAGG3R]

On the point of stress level of both cities... Having the experience of living in both KL & SG, the stress level and working hours is pretty much equal just like buying a car or house. i mean, it can't really get any worse than working 80 hours/week or having to stay back in office till 5am occasionally, and that was my experience back in KL.

[@ongdaniel5273]

I'm from semicon background with 15 years exp and making ~RM300k a year by working at PG. While my fren with similar exp at SG only making ~SGD100k a year. However my bil with just 7 years semicon exp just went to SG this month with 1:1 pay which he get ~SGD6000 a month. So i think is always better to work at SG when you are young to save money. When you are senior enough, better to move back to Malaysia.

[@风一样的男子-u9o]

Agree with you.

[@seangoh5927]

U have to consider security cost, health care cost as well as public service cost. In Spore, every where is safe. You won't get rob and injured. That cost you financial losses and medical fees resulting from injury. Almost every msian household pays for their own monthly security fees for their housing, if not alarms, grills etc. That's not happening in spore. Public Health care is cheap in Msia but look at the covid pandemic, you are left to take care of your own when trouble hits and government has no money and resources to save you anymore. That brings you to think of country national defences further. If you are hurt in a car accident, your life is at risk as you are less likely to be saved by paramedic in Msia. Spore, within 5-10mins, a SCDF will be there to save you. On Msia highways, you are left to die on the spot. Life is cheaper in Msia if you factor this in. Lastly, if you can measure stress and time in RM/SGD, getting things done in Spore is cheaper as public services is less stressful and very efficient. Dealing with Msian public servants is a nightmare. If you find my comment valid, do a part 2 with these intangible factored in. Thanks.

[@tlc4229]

As a malaysian lives in singapore for couple years, the only thing i reckon it is skyhigh difficult is to enter the local property market, even for a PR, there's a 3 years requirements need to fullfill before you can buy a resale HDB (cant buy new one but you cant buy a HDB that's too old, you might end up with a bad loan), and if you're thinking of buying a private condo, prepare 25% cash upfront for the downpayment which translate to around 250k singapore dollars not even include all the others tax, other than that literally no complain at all🤣

[@MrMoneyTV]

love sent! 😘

[@michaelchang4914]

I left Malaysia 33 years ago and return recently to retire. I have a condo and I also a car in Singapore since 24 years ago. After liquidating my assets in Singapore and overseas (my investment) i can live off just on FD interest alone. I can afford monthly 2 weeks holidays around Asia.

[@nuripadudi]

Thank you for sharing, Mr. Michael. I'm 29 years old, doing mundane job everyday in malaysia. My cost of living in a year is barely rm10k. I saved up 70% of my incomes in many asset classes. But still i have this fear of our economy collapsing further in years to come, despite evolving into developed nation. Due to political instability, brain drain issue, limited buying power, lack of great quality products (meaning need to change our electronics in each 2-3years), and the education system which emphasized more on memorization instead of application, i couldn't see myself living comfortably in my retirement years. At the moment, i'm torn in between further my studies with no job guarantee, or self study which is going to take years before i finally master the craft (still in the end employer is going to ask for certificate paper). Do you have any advice for me? Thank you in advance.

[@michaelchang4914]

@@nuripadudi when u study, does it give u better career prospect? if no, don't waste your $$. Buy ASN as much as u can and forget about local property investment. developers are selling 50-90% above actual value. Always be prepared to job hop for better pay and look for big company, the benefits and medical are better. Do not be afraid to work hard and put in extra hours, always strive to be better than your co worker, that way when u want to leave, your boss will give u a pay rise to retain u.

[@nuripadudi]

@@michaelchang4914 Thanks a lot for the advices, I really appreciate it. Will do as per your suggestion. Wish me luck!

[@limchyehock6722]

With the help of SGD accumulated over the years. Won't be possible if you had stayed behind 33 years ago.

[@michaelchang4914]

@@limchyehock6722 Yes, that's true, I will not be in this position if I stayed in Malaysia 33 years ago.

[@garylee5054]

If you're malaysian, Work I Singapore earn SGD and keep transferring money your to Malaysia bank acc in MYR. Sure you'll be damn RICH !!

[@EdrieBoomz]

I’d like to know where did Jaz rent her studio apt for 1,500 SGD! I’d love to rent that too 😭😭😭

[@zhen86]

You can share

[@aura5176]

In Singapore there is no such thing as "you own" a house or vehicle. Everything must give back to the government.

[@daisuke910]

I heard the stuff you buy is leased for 99 years.... My siblings and I inherited a plot of land from our grandparents (both from my dad and mom sides) in Malaysia...

[@Jack-hy2ki]

Try comparing the size of SG and MY and you will know why.

[@cavendishmontigue3254]

Your body too .. pls return when you are done too .. haha .

[@sashawinnie1884]

Reality is Malaysian strive to come and work in Singapore, Singaporean strive to work in Australia or other Scandinavian countries and get PR there...

[@tinweetan8288]

Not really, Malaysia has low standard of living but high cost of living. So the actual apple to apple comparison would bring Malaysia cost of living higher or on par with Singapore.

[@vjtam3968]

I m living in sg now, HDB only for singaporean , no security , no pool, no car park provided, S$400k, for studio in sg now S$750k , 2 bed rooms S$900-1.1mil, 3 bed room S$1.2-1.5mil, don't forget stamp duty pay to govt leh..., car coe etc

[@KeoNz]

Car park have la, must pay additional for season only lor. Singapore has no need for security guards, already very safe 😉

[@bowlampar]

With prices of staples , food , housing , energy , transportation, health care keep going up every year in Malaysia , how is this possible to have a 'cheaper' living in Malaysia ?? 😅😅

[@RayMak]

When I was living in China Town in New York city. Chicken rice was usd 3.50. Enough for me 3 meals =)

[@Hansenwork]

It is now $10-15 for a mcdonalds meal in NYC 😭

[@h3ll0w0rld7]

@@Hansenwork that McDonald Lel of course it expensive

[@str2010]

I like how you went to New York and the first thing that crossed your mind when it was mealtime was chicken rice

[@niczous]

It’s true. The price of stress-free is much valuable. I used to live in KL for 14 years and decided to move to Kulim. Yes, I know that feeling. I can now feel the happiness of being calm and relaxed. 🥰

[@yuniethy84]

Malaysian here, working in Singapore. Everything else is a good comparison except for rental, mortgage and car. First, it's quite impossible to find a studio (if you are referring to a studio in a private condo) for SGD1,500 a month within walking distance to an MRT station. SGD1,500 a month can only get you a room in a private condo or maybe even a small HDB, somewhere not near CBD. Second, if Jazmin is a Singaporean, it makes alot of difference because she would be able to buy a house (HDB only okay, studios and private condos you wait long long) below SGD500k. BUT Jazmin is a Malaysian and she definitely cannot purchase a house below SGD500k because she's a foreigner; foreigners are not allowed to purchase new HDBs, they can only buy 2nd hand HDBs (after 3 years IF she is a PR at all, which probably takes another 1-2y to apply) and it's quite impossible to find at that price for 2nd hand HDB. In addition, loan mortgages are allowed maximum 75% only, means you need to pay an upfront of 25%, not inclusive of the legal fees, and the high stamp duties imposed on foreigners here (Singaporeans pay lower). Third, when it comes to cars, unlike Malaysia, car prices here are not fixed. A Honda Jazz price is not fixed at SGD80k, you need to "bid" for the price, therefore SGD80k you quoted may likely be one of the lowest price. A Malaysian friend of mine bought her Honda Jazz here for SGD115k. This is also not counting the extra fees/taxes you have to pay for buying a car. Great effort in making the comparisons in general but really need to take into account the disparities as noted above if you sincerely want to provide a more accurate comparison for the benefit of your viewers.

[@xzxzxzxz07]

Very well presented

[@thejoshlim]

Mr Money TV, can we do this in Malaysia ah: Keep the Malaysian food. Install Singapore education system. Malaysian one throw. Have Singaporean politicians and meritocracy. Borrow their PM for 4 years can. Malaysian comedians we keep. Ours funnier, we can also allow Malaysian politicians future employment option. Cars…replace Wee Ka Siong the transport minister with Paul Tan the car blogger, problem solved. Also, recommend changing the ringgit (RM) to the RGT (Right), to rebrand it to sound nicer. Even SGD sounds stronger as a word …Sing Dollar, SGD even sounds like SuGar Daddy. Problem. If we switch Malaysia racism for Singaporean racism then super big majority problem. Malaysian laidback attitude for Singaporean kiasuness, half of us will kill ourselves or each other. Chinese girls in both MY and SG will remain expensive to date no matter what. Solution : import more Chinese girls from China. Done. Conclusion : property developers and telcos are earning too much off the people. Why telcos. Tell you more another time, used to be in ad tech btw. Btw I got coffee sponsor for you. I sponsor you coffee at Starbucks first yeah 😂

[@thejoshlim]

Mr Money TV, can you replace Tengku Zafrul? :)

[@kennytan5055]

I am a Singaporean, but if I were to move to Malaysia. KL certainly would not be my choice. Objective is to lepak

[@andytai7773]

If you are an 'entrepreneurial' aka lots of lobang, then being in KL is a much better place (Malaysia BOLEH!!). If you are a law abiding citizen who wants a decent and not looking for ultra riches, then Singapore is a better place.

[@agreatlife3774]

way too many ppl have this weird perception. If you're good, you will do good wherever you're. law abiding? can say that you're quite naive to think the southern neighbour is very clean. Read and analyse. dont just absorb.

[@hahalancer]

While yes the government in Malaysia have left much to desired dont discount the hard work and the growing startup scene in Malaysia, geez our politicians may be toxic but you are the equivalent to nuclear waste. The rakyat does not equal to the gov

[@shamshulanuar7718]

@@hahalancer not all politicians are useless, toxic No doubt there are racist, incompetent fools like Guan Eng who abolished GST despite GST proven to being more money to national treasury. But there are decent politicians Why on earth some people still believe Gain eng( one of many of useless politician s) despite him behaving as if DAP a family business. Choose wrongly and you pay the price

[@azakisma.1.mo_ago]

Spot on

[@katchng]

So entrepreneurial who are not law abiding, they will receive their consequences one day

[@sis_lent0q604]

Im malaysian working in singapore but not working in my related field of study. Any Singaporean got a hole for me to apply job in sciences area? Really need to get stable life financially cus im stuck here due to covid.

[@userthreeseven9285]

i dont want to be a millionaire. i just want to be stress free and happy

[@michaelchang4914]

then Malaysia is the place.. can lepak and do nothing but still get paid :P

[@dashong8912]

Your figures on property in Sg don't seem right. She can rent a studio or one-bedroom for $1500? A 4rm HDB costs $300k? Perhaps if she can buy directly from the government but she can't if she is only a SPR.

[@CMCJJT]

Life is less stressful in KL ?Try living in KL on a RM4000 monthly salary, and tell us about the stress level.

[@ازولقايوم]

Yeah Japan have listed Malaysia as the first destination to retire for 13 years

[@GRexerLee]

It's been a while since a McDonald's "McValue" meal is actual value in Malaysia. 🙃

[@jillting1852]

Actually i heard some of thr fast food restaurant can't compete locally in some Asian countries like Vietnam and they cant expand there due to local competition... So maybe if enough of ppl boycott them... Maybe that would drive macdold to lower the prices in order to compete...?

[@samiao90]

IKR. Either its inflation or what Jill said. But i would think its due to inflation. KFC used to cost 9.90 for 2pc. now its RM17. And thats within 5-7 years. Rm1 increment per year. Eating gold izit?

[@kkkkkk464]

most malaysian just simply don't care..they always have abundance of cheaper solution for those kind of food..& plus, even the mcvalue meal isn't value anymore, people still flocking at every mcd drive-thru outlet like nobody business

[@ForeverNikon]

Another error spotted : Malaysian or foreigner can't buy a resale or new HDB unless you're a PR or citizen and that's from 3rd year onwards only after getting your PR. And the price for resale HDB can stretch beyond $1M

[@basil88815]

The majority of properties in SG are 99 years, cars 10 years COE. Maybe need to factor that in for people considering Singapore.

[@schadenfreude6274]

Is true. In Singapore everyday can see people quarrel. It is very normal to go office and scream, backstab at your colleagues. On the street everyone is only pretending to smile at each other but actually everyone hates each other. The only reason why we aren't actually killing each other is because we are all scared of police and going to jail. We Singaporeans also love to show off every little thing we have whether its a new better car (Honda Jazz is considered a low class car. The bare minimum you need to own in BMW), or the better school that our kids go to. It is considered extremely shameful if you are not rich. Whenever Singaporeans meet up, we silently judge each other by seeing what clothes, luxury goods the other person owns to size them up. Of course we don't actually say it, but in our minds, Singaporeans enjoy looking down on others who are less well-off and we like to feel more superior. This mindset has been bred in our minds from our parents ever since we were born. My mother is like this, she loves to show off during Chinese New Year all the time. When I don't earn as much, she called me a "Failure in Life". I'm not the only case, most Singaporean parents are the same. :) In Singapore, you are considered successful if you are be able to live in Condo. Living in HDB while cheaper and more convenient is considered as "Low SES" and a very lowly status. There was even a school textbook that emphasized this that has since been banned. We also had a Minister who once jokingly said "You only need a very small space to have sex.” Thats how shameful living in HDB really is, even our Minister joke about it. And as a guy, If you want to get married you must at the bare minimum earn at least 10k for a Singapore girl to even consider you as a dating potential. If you earn below that, it is better to just look for a less demanding foreign wife. Having said all that, if you are a White Person in Singapore, you don't have to be financially well-off. In fact, Singapore will be HEAVEN for you. In Singapore we call White People "AMDK" which is a very special social status. Even if you earn only $500, and have no place to stay, you will naturally be more attractive to Singapore Women. Women will even sponsor you and pay for you if you are good looking enough. :)

[@babibrain]

for salary man Singapore is the best. for startup Singapore also the best because it is an international city. for lazy life Malaysia is the best, everyone is lazy in Malaysia

[@jw3632]

A Malaysian living & working in SG here. Pretty spot on and I agree on most parts. But one minor thing to note on the housing comparison, when you are using HDB for benchmarking here which might not be a true reflection. Given that HDB is more "exclusive" to Singapore Citizen. So as your example of Jazmin being a Malaysian in SG, she on her own is not qualified to buy a HDB here. Only Two SPR status may be eligible to buy resale HDB. So if we would to take Jazmin as a Malaysian/Single/Workpass holder, the benchmark shall be against Private Apartment/Condo- which is another level of $$ All in all - I still pretty agree on your takes and it is a good video with great content well made 😃

[@plasma16]

Foreigners in Malaysia can only buy properties above RM1mil(lower in some states). And the quoted HDB prices is before grants, it’ll be cheaper than that for an SG citizen. If we compare citizen vs citizen, there’s a lot more done for Singaporeans. Low cost housing in SG after grants can be as low as SGD15k, compare that with rumah kos rendah.

[@malaysspring6472]

HDB in Singapore ,PPR in Malaysia if want compare .

[@Leon-ld2rb]

Competitive yes, cuz Singapore only resources is the people..... and it is fair as everyone and every race are being present to equal opportunity. But do Singaporean a workaholics, no life and no family time? Nope, that what other perceived wrongly.

[@Kai-en2xs]

wait, in sg for some factories they have 4 days(12hr/day) work week and 3 days of off day i dont think that they are much more stress than malaysia. The 'relaxed lifestyle' in malaysia is actually a myth. got 1 friend who worked 6 days a week for 12 hours a day in the tech industry just saying....

[@kkkkkk464]

living in singapore is so cheap if u follow two rules; 1. u're not not buying house in singapore 2. u're not retiring in singapore

[@bisnesjaya55]

Simple comparison... SG: salary $2k - premium rice 5kg $16.oo Prawn large $13.oo Durian premium $18.oo Eat at most subsidise canteen $5 +drink. Petrol $3.20 ltr. Malaysian sal. Rm 2k pls compare all items in Rm.

[@nix294]

If you want to buy a landed house, East Malaysia is definitely bank for your buck. With RM 1 mil, you can get a 3 storey semi bungalow with a large outdoor space.

[@KCTan-p3h]

About cars: he forgot that the $80,000 paid by Jas for a car will last only 10 years. And Jasmine will have to buy another car by then

[@TianYu87]

Please la, chicken rice SGD 3.50 cant get everywhere already... price going up already... u dont compare HDB and Malaysia COndo, that are different level, u want compare please compare apple to apple, Condo vs Condo... Singapore Condo studio at least need SGD 500k....

[@markomarin3414]

Finally someone say this. HDB is like a cleaner Flat in KL . While condo is KL got many facilities like swimming pool , 24 Security etc..

[@KeoNz]

SGD 3.50 chicken rice is still widely available in hawker centers. Non air-conditioned neighbor kopitiam between 3.50 to 4.50

[@kaiserlow652]

@@markomarin3414 The executive condo ,which is a type of HDB property has the same kind of facilities you find in the private condos.

[@kaiserlow652]

@@edmundwong805 it's true that we can still find $3.50 chicken rice in the some hawker centers or coffee shops in S'pore.

[@atan9160]

First of all, it’s already not apple to apple to compare 4k RM vs 4k SGD, hahah

[@fadlee]

Dunno about you guys, this fella intentionally compare imported goods in malaysia vs singapore. In Singapore economics they need to have stronger currency to buy cheaper imported goods as they have no other resources, whilist Malaysia we prefer to have a weaker currency to sell more in exports and buying malaysian goods are way more cheaper.

[@enjoyer126]

Singaporean here and I agree that most of us use iPhones lol. It’s a cult following here.

[@fergusonwong7923]

Nice video, most people doing the comparison they always trying to convert the currency, fair to explain it in a local purchase power way with the local income

[@joshk6929]

Talking about work life balance, it really depends on your career. If the nature of your job requires a long working hour similarly in both regions, it is only making much sense for you to go over to the "higher pay" location.

[@weeyek3320]

Mr Money TV, you are the only one KZbin channel that I am watching without skipping or fast forward for this 16 minute duration of the video excluded from the drama and anime. Thumb up👍!

[@beatricewong1461]

Great video! I find it's such a common misconception about this topic because most people tend to convert currency instead of comparing buying power, which is the whole point. Also, your videos are informative and fun, keep it up! :)

[@ansonang3132]

As a Malaysian, I have to admit that Singaporeans makes better money, we cannot deny that. Their currency exchange and per capita income is higher. For those who wants to "Hao Lian" then Singapore is for you However, in Malaysia we have a better quality weekends. We have many places to go where we can stay overnight after a long day of drive. Rather than just shopping centers. You get to see different beaches, highlands, forest and etc So it all depends what suits a person

[@酸民殺手]

As a Malaysian living in Singapore for 6 years before (ex Singapore PR) and now returned to Malaysia to work and live in Penang, I found your statements have somehow conveniently ignored certain important points and some comparisons are not even Apple to Apple. I truly agree with your points on food, public transport fares. You nailed it. However, when comes to lodging costs, I beg to differ. Firstly, you took Singapore HDB flats as comparisons to Malaysia’s condos which was not fair. How about Singapore 3 room type flat (2 bedrooms + 1 living room) VS Malaysia govt flat exactly the same type and size? Singapore is gonna cost you SGD250k-300k if you were to buy while Penang is only RM50k-80k How about the condo in Penang at 1100sqf at RM500K VS Singapore condo 1100sqf at SGD 1.2-1.5 million? This is then Apple VS Apple😂😂 If taking HDB as comparisons, Singaporean can only own one HDB with 99 years leads hold even they become richer while Malaysian can easily own more than one property without any restrictions. In Penang, most of my classmates and I myself own two condo at a total price RM1million-1.5million for each 1200sqf-1400sqf while in Singapore if you wanna own two condo at the same size, without SGD4 millions, you will never afford to own. So you are only left with HDB. If taking HDB into account, why not you also take govt flat and normal apartment to compare? Much cheaper for sure. KL studio cost RM1.5K must be very prime location while Singapore studio cost SGD1.5k must be very far from downtown too. We were paying SGD3k at Bedok train station just for a small two bedrooms type condo at around 750sqf only.... Talking about owning a car in Malaysia and Singapore, I would agree with you that the cost of owning a car isn’t big difference but “keeping and maintaining” a car is big difference in Malaysia and Singapore. If you park your car at downstairs around the govt flat in Malaysia are FREE while Singapore HDB season parking cost SGD200 each month. If parking at condominium for 1100sqf size, our maintenance fee for condo cost RM0.15-0.25/sqf while Singapore costs SGD0.5/sqf and not entitled to two car park. You want to own it, pay it at SGD 50k-100k each lot😂😂 Last but not least, you are able to save money in Singapore because basically you are willing to lower your living standards, such as share a room or flat with others to split the cost and most likely you can only afford to rent HDB while in Malaysia, mostly renting a condo as a professional. So, let’s be fair and compare Apple to Apple. Not only me returned from Singapore but also my cousin from Ipoh returned to KL and work in KL because in Singapore you make SGD7k and back in Malaysia, we can get RM12k-15k salary as senior manager while for this post in Singapore it’s usually SGD8k max.

[@darrenfoo8269]

HDB season parking max $120 for private vehicle iirc $200 more of including the money spent on parking it elsewhere throughout the day at work/malls over the relents

[@酸民殺手]

Darren Foo Dude, my colleague is paying SGD170 each month for sheltered car park. While Malaysia’s condo or public carpark are FREE. Anyway, I only wanna point out some difference that we can’t simply look at the surface but must compare Apple to Apple and with same standards

[@zhen86]

@@酸民殺手 A studio condo apartment can be rented for $1500sgd. As for HDB and condos in Malaysia, 80% live in HDB while 80% of Malaysian live in private condo or landed. Let me ask you, would you live in a Government apartment in Malaysian given a choice? My guess is no. In Singapore, the HDB are maintained.

[@酸民殺手]

@@zhen86 Hahahah what are you? You guess not because you thought so? I had stayed in Malaysia govt flat for 10 years before and it was nice and comfortable living space with less than RM50k renovation fee. My aunt still owns one govt flat too. Singapore HDB well-maintained because owners gotta pay lol, upgrading work always requires owners to pay, so what’s so great about if need to pay? There are just too many type of flat/apartment that are good for staying too if you couldn’t make more money. Even 宏愿组屋计划, the bathroom and layout with basic renovation was very excellent because my best friend family used to be living there too. If you wanna compare thing , please make sure you are neutral enough and have real experience of staying, especially both countries flats. Singapore flats are well-maintained due to upgrading but mostly on the facade and look, how about interior quality? Hahahaha many are also lousy as Malaysia govt flat🤣🤣🤣 Last but not least, Singaporean 80% living in HDB is my problem? Then we should take HDB to compare with Malaysia private condo and this is justifiable? You are having very funny mindset as if Malaysia has no govt flat and private apartment with basic facilities that cost at RM150k-200k too

[@thelittlemeirmade]

But the sad reality is not all Malaysian received RM4000 a month. The government still set the basic sallary at only RM1.2K. While the politicians RM10K is a must. What a sad reality

[@rickchau6640]

singapore car can only last 10 years,but malaysia no limit until your car can’t run anymore. so this can save 2 times of buying car in malaysia compare in singapore.

[@HoneyMoneySG]

Fantastic video and the price quoted is pretty accurate. Can see lots of effort behind it! Good job 🍯