Personal
Ex-Malaysian Has to Work Till He Dies, Regrets Becoming Singaporean!
By 1M65  •  January 24, 2026
He Gave Up Malaysian Citizenship to become Singaporean— Now He Says He’ll Work Until He Dies A recent viral story about a Grab driver — a former Malaysian who became a Singapore citizen — has triggered an uncomfortable but necessary conversation. He now openly says he regrets giving up his Malaysian citizenship, because in Singapore, he feels he will have to work until he dies. High income. High cost of living. No clear retirement exit. In this video, I go beyond the headline. We unpack: Why citizenship is not an upgrade, but a long-term balance sheet decision How Singapore optimises for productivity, not retirement optionality Why Malaysia’s improving economy, stronger ringgit, and political stability are quietly changing the migration equation And why many decisions made during one economic cycle can feel very different when the cycle turns I also share my own ground-level observations — from the surge of Malaysian cars entering Singapore every weekend to spend money, to the uncomfortable reality that Singapore is increasingly a consumption destination, not a retirement one. Over the last five years, more than 60,000 Malaysians renounced their citizenship, with the vast majority moving to Singapore. But economic and political cycles are hard to predict — and permanent decisions made during temporary booms can carry long shadows. This is not an anti-Singapore or anti-Malaysia discussion. This is about optionality, foresight, and understanding the full lifecycle impact of irreversible decisions. If you’re: A Malaysian considering migration A Singaporean planning retirement Or someone thinking long-term about freedom, lifestyle, and exit options This conversation matters. ⚠️ Key Takeaway (Pinned Comment Idea) You don’t retire on income. You retire on freedom. 🔥 Hashtags #Singapore #Malaysia #Citizenship #RetirementPlanning #CostOfLiving #EconomicCycles #Ringgit #Migration #FinancialFreedom #WorkUntilYouDie #LifeDecisions #PersonalFinance #GeoArbitrage #HighIncomeTrap #OptionValue...
Read the full article
By 1M65
Loo founded the Non-Profit 1M65 Movement and was one of the few non-civil servants to receive the Public Sector Transformation Award in 2018 for his 1M65 efforts. Kate, Loo’s daughter, is a 19-year-old finance guru wannabe. If you’d like to hear more from Loo and Kate on Personal Finance, please join the 1M65 Telegram Discussion Group or watch their entertaining Youtube channel.
LEAVE A COMMENT
LEAVE A COMMENT

Your email address will not be published. Required fields are marked *

*

Your Email Address will not be published
*

Read More Articles
More from thefinance