u/Anxious_Primary_1107

With everything being digitalised now, is it likely that you won’t be able to hide your 2nd passport anymore? I’ve read that countries share databases with each other so you are likely to kantoi eventually.

For the longest of time, the trick to hide it is by ensuring you always enter and exit with the same passport. And to always renew your Msian passport in Malaysia (because if you renew it abroad, Msian embassy will inquire about your visa, which you won’t have if you’re a citizen of that foreign country). But like I said, I’m just worried about if Malaysia cross-checks with the other countries database. Anyone working in immigration can confirm?

I am not yet a dual citizen. But in the process of being one. Malaysia + Canada.

Makes me wonder if it’s better to just maintain being a PR. Though the downside is, PR requires staying a minimum number of days over a period, which will be hard for me if I’m splitting time between Msia and Canada.

(M24) I’m wondering whether there are CF women out there, who would be interested in the idea of having a Nikah that is highly independent, and involves a lower level of commitment when compared to a traditional marriage

For example, imagine two adults who are married but still want to maintain very independent relationship such as:

They may choose to manage their own finances independently.
They don’t necessarily expect to spend most of their free time together.
They don’t necessarily want the traditional “husband and wife” roles.
They are sexually exclusive and faithful to each other because they are married.
They care about each other and want the relationship, but don’t want marriage to completely structure their lives around each other.
They may even live separately by default, but would meet each other and stay together whenever they want to.

Essentially, the idea would be “boyfriend/girlfriend lifestyle, but with a nikah.”

What are your thoughts?

28M with 5 YOE in marketing & trading in the energy/utilities sector. I’m looking for a contract role rather than a full time position because contract roles are usually paid higher to compensate for the lower job security (which I don’t mind, because I’m going for my masters either way in one year’s time)

But it seems to me that contract roles are kinda rare. Unless you’re a technician/engineer working on a project, or you’re an enterprise advisor/consultant(which is defo not a chance for a junior exec).

Been thinking about buying a plot of land in some kampung for my retirement plan. I am still quite far out from retiring (~15 years from now), but I’m afraid by that time, land value would have gone up significantly already.

The land I am looking at is priced at RM100k for 5000sqft, and it is an amount that I am comfortable to pay with full cash up front.

The only thing I wonder is if I would be better off investing that RM100k now, and just buy the land later once I’m actually retired. Let’s assume my investment returns 5% per annum, that RM100k today will turn into ~RM207k in 15 years time. Now, how likely is it that the same RM100k piece of land will appreciate in value to above RM207k?

I know this is not a question that has an objective answer. Because land value depends on location, supply & demand, etc.

But just out of curiosity to all long term land owners out there. Have you seen your land appreciate in value as much as the money market? And if you want to add one more layer of comparison, perhaps can compare it with the value appreciation of your house price.

Assalamualaikum,

(M, Mid 20s) I’ve had this thought lingering in my head for quite a while now and I hope this would be an appropriate place to seek opinions.

I’m not yet married, and perhaps the reason for that is I’ve always been afraid of the financial setback in case my marriage were to end up in a divorce one day.

In my country (as in many others), divorce often involves both spouses having to divide assets and wealth accumulated during the marriage. And it is not uncommon for the outcome to be heavily sided towards one party. For example, requiring one person to give up significantly more of their portion, especially if they were the dominant breadwinner.

Because of this, the idea of marriage sometimes brings conflicting feelings. On one hand, I understand that marriage is built on trust, love, and partnership, and not just financial considerations. But on the other hand, I can’t ignore the possibility of a future where things don’t work out and I end up losing a significant portion of my assets and having to start my way back up from the ground again. It seems like a cruel punishment.

So my question is, if you have experienced this, how do you deal with it? And what are the things you wish you would’ve done to better protect yourself financially? I know prenup is a thing but it’s not legally binding in my country. So

And the next question is, is this a reasonable concern or am I just overthinking? For context, I come from a working class family and my strict upbringing definitely did leave some impactful mark on how I view money. While I currently already have a very stable career and a healthy amount of savings, I’m still very much cautious about my finances. I am not sure if this is where all that anxiety about divorce came from.

I would genuinely appreciate hearing different perspectives, especially from people who have gone through marriage or divorce.
Thank you.

(M,24)

Hi all,

I am in a good financial position which allows me to purchase a housing land (not the house yet tho) in cash. I am thinking of buying it as a hedge against rising land cost. I am planning to build a house on that plot of land, either soon if I decide to stay in there, or in 15-20 years as part of my retirement plan.

The thing that’s holding me back is the thought that my future spouse might have a different idea of her ideal home (in terms of size, location, etc). I’m not very pleased with the idea of possibly needing to sell the land later on as that may involve a lot of costs.

For those of you who owned a house/land before getting into marriage/long term relationship, if you could turn back time, would you have waited out first so that you could discuss and agree on what both of you really want in a house?

tl;dr:
On one hand, it does feel like I should have the autonomy to make any purchase/decision solely based on my preference, and what I think should speed up my FIRE plan. But on the other hand, knowing that such a big purchase/decision will eventually need to be agreed on together, i feel like I could be saving myself a lot of headache (and money) if I wait out this purchase first.

Am I overthinking this? 😅

1)Is it true that you lose a lot of money over a divorce?

2)Are there legal ways to avoid having to give away your wealth to your ex spouse? E.g., the famous footballer, Achraf Hakimi, registered all his assets under his mom’s name. So her ex wife walked away with zero. I know this is not always the best idea (especially if you’re significantly richer than your family), but does it work?

Note: I’m not yet married nor seeing anyone at the moment. Just trying to stay informed because it’s never bad to be extra cautious, right? Also, I guess this post could help those who are already in marriage but are facing problems in their relationship/on the verge of divorce. Many had to stay in toxic relationships just because they are afraid of the costs.

Assalamualaikum,

I am seeking Islamic advice regarding my employment and would appreciate input from those knowledgeable in fiqh and Islamic finance.

I work as a Commodity Trading Analyst for an energy company. I am not a trader and do not make trading decisions, but I support the trading desk.

Some of my main responsibilities include:

1. Calculating market exposure that is used by traders when making hedging decisions.
2. Recording new trades into the company’s financial report after they are submitted by traders.

The trades I work with unfortunately involve paper derivative transactions such as oil futures contracts. These positions are generally closed financially (cash-settled upon expiry), so there is no actual physical delivery of the oil. Such condition, among a few others, are what makes futures trading generally impermissible, as per my research.

To add another layer of complexity, I cannot leave this company. They paid for my studies in uni, and in exchange, I am contractually obligated to work for them until the next 5 years. Abandoning the contract would result in me having to repay them ~USD300k, which I absolutely cannot afford. My only practical option is to seek to get transferred into another role that doesn’t get involved/facilitate derivatives trading. However, given my lack of working experience, I expect that it will take quite a while (maybe a year or two before such is possible)

My questions are:

1) What is the ruling on my current salary?
2) What is the ruling on savings accumulated from this salary? Am I required to dispose (donate) all these money, or, would there be a leniency in my case?

This issue has been weighing heavily on me. I fear Allah, but at the same time I have no way out of this situation. I would have chosen to just resign if it were not for the financial penalty tied to my employment contract.

I understand this question should be directed to a scholar and not a Reddit community. But I am having difficulty finding scholars who are familiar with my situation. I genuinely appreciate answers from those who have been in a similar position, or any help from those who can point me/pass this question to a knowledgeable scholar.

JZK

Assalamualaikum,

I am seeking Islamic advice regarding my employment and would appreciate input from those knowledgeable in fiqh and Islamic finance.

I work as a Commodity Trading Analyst for an energy company. I am not a trader and do not make trading decisions, but I support the trading desk.

Some of my main responsibilities include:

1. Calculating market exposure that is used by traders when making hedging decisions.
2. Recording new trades into the company’s financial report after they are submitted by traders.

The trades I work with unfortunately involve paper derivative transactions such as oil futures contracts. These positions are generally closed financially (cash-settled upon expiry), so there is no actual physical delivery of the oil. Such condition, among a few others, are what makes futures trading generally impermissible, as per my research.

To add another layer of complexity, I cannot leave this company. They paid for my studies in uni, and in exchange, I am contractually obligated to work for them until the next 5 years. Abandoning the contract would result in me having to repay them ~ USD300k, which I absolutely cannot afford. My only practical option is to seek to get transferred into another role that doesn’t get involved/facilitate derivatives trading. However, given my lack of working experience, I expect that it will take quite a while (maybe a year or two before such is possible)

My questions are:

1) What is the ruling on my current salary?
2) What is the ruling on savings accumulated from this salary? Am I required to dispose (donate) all these money, or, would there be a leniency in my case?

This issue has been weighing heavily on me. I fear Allah, but at the same time I have no way out of this situation. I would have chosen to just resign if it were not for the financial penalty tied to my employment contract.

I understand this question should be directed to a scholar and not a Reddit community. But I am having difficulty finding scholars who are familiar with my situation. I genuinely appreciate answers from those who have been in a similar position, or any help from those who can point me/pass this question to a knowledgeable scholar.

JZK

Hi everyone,

What are the chances of landing a minimum-wage job in Canada right now? I’ve heard the job market has been very tough, especially for skilled professionals, so I’m wondering if the same applies to entry-level or unskilled work.

For context, I’m a Canadian citizen, but I’ve lived in Southeast Asia (where I also have citizenship) my whole life.

I’m fairly close to FIRE where I currently am, but my job has become quite overwhelming in terms of workload. Because of that, I’ve been considering a BaristaFIRE lifestyle. But since I also have Canadian citizenship, it makes so much more sense to work a minimum wage job in Canada than a minimum wage job in SE Asia due to the big difference in pay (currency exchange rate). Basically a geo-arbitrage. I’m thinking of doing this for 5ish years and then I should be set for good.

I understand Canada is also expensive, but I live quite frugally and have already done some rough calculations. Even with the higher cost of living, I’d likely still come out ahead financially compared to doing similar work in my current country.

Salam all,

I (M24) have been using one of those Muslim dating apps for a while now. And before you come at me saying these apps are nonesense (which I partially agree), I don’t have much choice since I’m childfree. Hence it’s easier for me to filter this through the apps than in real life.

So lately I’ve been talking to this girl. And while everything seems great at first, I never felt sure about her. And this is not the first time it happens. I’ve matched with many other girls before and it always ends up like this. In other words, I always end up doubting if I like the girl enough. But at the same time, I know I am not perfect, and I should be realistic or not too choosy with what I look for in a potential.

Is it normal to feel this way? To any of you who are/were married, were you 100% sure about your partner? If so, can you describe what ‘being sure about someone’ actually feels like. Or were there still small doubts along the way that you decide to ignore?

Or, maybe there is just something wrong in me? I have to admit I sometimes feel not ready to commit. But I kept using these apps in hope that I can find someone who can make me want to commit. But I don’t really know. It’s weird because even I do not have an answer.

I don’t want to waste people’s time and give them false hope. Please advice.

Note: I know no one can help make the decision for me. But I just wanted some perspective on those who were able to go hardcore backpacking throughout their 20s. What changed as you age?
———————————————————————————

M24 here. I’ve always loved backpacking and adventurous travel. During uni and before starting work, I managed to do quite a handful off-the-grid trips and honestly I don’t feel quite done yet and always look forward to do more of these.

However, recently, I received a job opportunity that would require me to relocate somewhere where travelling becomes much harder, mainly due to distance, cost, as well as lack of holiday leaves. It’s a contract work and I’m pretty much guaraanteed the job until the max next 5 years. On the posive side, the job pays pretty well. And since I won’t be spending much (I dont spend alot aside from travelling), it’s a brilliant opportunity to stack some money.

The dilemma is this: if I fully commit to this path, I’ll basically be putting long-term travel on pause until I’m around 29.

And I know 29 is not old. But after tearing my ACL last year, I started becoming more aware of how fragile the body can be. I try my best to keep my fitness in check and make I am always in shape. But I still wonder whether the rugged style of backpacking I enjoy now (long bus rides, sleeping at the airport/bus stations, hitchhiking, constantly moving around) will still feel the same in my late 20s.

Part of me worries that I’m “wasting” the prime backpacking years of my life.

At the same time, another part of me thinks sacrificing 5 years now could massively improve my finances. To the point that I probably could take a year off or two once im done with this contract job.

So I’m curious to hear from people who’ve been able to do both. How different is travelling in your early 20s vs late 20s? Did your energy, interests, or tolerance for rough travel change a lot? Or is this fear mostly in my head?

Note: I know no one can help make the decision for me. But I just wanted some perspective on those who were able to go backpacking regularly throughout their 20s. What changed as you age?
———————————————————————————

M24 here. I’ve always loved backpacking and adventurous travel. During uni and before starting work, I managed to do quite a handful off-the-grid trips and honestly I don’t feel quite done yet and always look forward to do more of these.

However, recently, I received a job opportunity that would require me to relocate somewhere where travelling becomes much harder, mainly due to distance, cost, as well as lack of holiday leaves. It’s a contract work and I’m pretty much guaraanteed the job until the max next 5 years. On the posive side, the job pays pretty well. And since I won’t be spending much (I dont spend alot aside from travelling), it’s a brilliant opportunity to stack some money.

The dilemma is this: if I fully commit to this path, I’ll basically be putting long-term travel on pause until I’m around 29.

And I know 29 is not old. But after tearing my ACL last year, I started becoming more aware of how fragile the body can be. I try my best to keep my fitness in check and make I am always in shape. But I still wonder whether the rugged style of backpacking I enjoy now (long bus rides, rough accommodations, hiking, sleeping anywhere, constantly moving around) will still feel the same in my late 20s.

Part of me worries that I’m “wasting” the prime backpacking years of my life.

At the same time, another part of me thinks sacrificing 5 years now could massively improve my finances. To the point that I probably could take a year off or two once im done with this contract job.

So I’m curious to hear from people who’ve been able to do both. How different is travelling in your early 20s vs late 20s? Did your energy, interests, or tolerance for rough travel change a lot? Or is this fear mostly in my head?

Note: I know no one can help make the decision for me. But I just wanted some perspective on those who were able to go backpacking regularly throughout their 20s. What changed as you age?
———————————————————————————

M24 here. I’ve always loved backpacking and adventurous travel. During uni and before starting work, I managed to do quite a handful off-the-grid trips and honestly I don’t feel quite done yet and always look forward to do more of these.

However, recently, I received a job opportunity that would require me to relocate somewhere where travelling becomes much harder, mainly due to distance, cost, as well as lack of holiday leaves. It’s a contract work and I’m pretty much guaraanteed the job until the max next 5 years. On the posive side, the job pays pretty well. And since I won’t be spending much (I dont spend alot aside from travelling), it’s a brilliant opportunity to stack some money.

The dilemma is this: if I fully commit to this path, I’ll basically be putting long-term travel on pause until I’m around 29.

And I know 29 is not old. But after tearing my ACL last year, I started becoming more aware of how fragile the body can be. I try my best to keep my fitness in check and make I am always in shape. But I still wonder whether the rugged style of backpacking I enjoy now (long bus rides, rough accommodations, hiking, sleeping anywhere, constantly moving around) will still feel the same in my late 20s.

Part of me worries that I’m “wasting” the prime backpacking years of my life.

At the same time, another part of me thinks sacrificing 5 years now could massively improve my finances. To the point that I probably could take a year off or two once im done with this contract job.

So I’m curious to hear from people who’ve been able to do both. How different is travelling in your early 20s vs late 20s? Did your energy, interests, or tolerance for rough travel change a lot? Or is this fear mostly in my head?