As a single 50 year old Singaporean, I've spent most of my life working hard, saving up and investing wisely. Now that I've reached a stage where my home is fully paid off and I have half a million in savings and investments, I've started to think seriously about retirement. But the idea of staying in Singapore, with its high costs and increasing pressures, doesn't appeal to me. Instead, I've decided to retire in JB under MM2H, which is the Malaysia My Second Home Visa.

I've always enjoyed weekend trips to JB, but the idea of dealing with immigration every time I wanted to visit started to wear thin. That's when I decided to go all in and apply for MM2H. With this long-term visa, I'll be able to buy a large condo in JB, eliminating the need to book an Airbnb each time I visit. The exchange rate between the Singapore Dollar (SGD) and the Malaysian Ringgit (MYR) also works greatly in my favor, allowing me to stretch my savings much further.

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MM2H offers me the financial freedom I've always dreamed of. By renting out my fully paid-for home in Singapore, I'll have a steady stream of income that's tax-free when remitted to Malaysia. This, combined with the lower cost of living in JB, means that I can live a luxurious lifestyle without the financial strain that would come with staying in Singapore.

I've also run the numbers and realized that I can actually retire in JB earlier than I could in Singapore. The Financial Independence, Retire Early (FIRE) movement has always intrigued me and now it seems more attainable than ever. I'll be able to live comfortably, travel when I want and enjoy my hobbies without worrying about money.

Moreover, I have relatives in JB and have connected with the Singaporean expat community there, so I know I won't feel lonely or isolated. There's a strong support network in place and the cultural similarities between Singapore and Malaysia make the transition much easier. I'll still be close enough to Singapore to visit whenever I like, especially with the RTS Link almost ready.

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The MM2H visa is a much better option than relying on short-term visas, which come with the risk of being denied entry if immigration officers suspect misuse. With MM2H, I have the security of knowing that I can stay in Malaysia long-term without any legal issues.

In conclusion, MM2H offers me the perfect opportunity to retire early, live in comfort and enjoy all that Malaysia has to offer while staying close to my roots in Singapore. It's a dream come true and I can't wait to start this new chapter of my life.