HELP!

xblade123 — Wed, 21 Jan 2009 07:09:04 +0800

I'm in my late 20s, I have lost focus in life, I do not know what the aim in life is ...

My profile:
Education: Degree in Computer Engineering (Just enuf points to graduate)
Certification: None
Working experience: 4yrs (very limited experience gained)
Position: IT support, Product Engineer (basically those all-in-one kind capalang worker)
Skills: Intermmediate networking skills (Windows 98/2k/xp/vista/server2k/server2k3), good at debug pc/laptop errors, good knowledge in PC/laptop hardware
Language: Fluent in english, mandarin, cantonese, BM (all written & spoken)
Strength: Fast learner
Weakness: Short attention span

Working Status: (Full-time since graduate in 2004)
1st job - IT Support(1yr computer peripherals) then promoted to buyer (1yr computer products) - Company bankrupt, therefore moved to 2nd job.
2nd job - Product Engineer (Consumer electronics - doing Portable DVD, Digital Picture Frame, Portable TV) & IT Support. Just quit my 2nd job after 2 yrs, cannot see a future the job.

My financial situation:
I have RM100k sitting in the bank getting interest ... (Hard earn money, currently no use)
I currently not spending much, roughly RM1k per month with no job. Still have RM20k+ in savings to use slowly while I figure out my life ...
I have RM10k used for trading currency .... not trading any stocks
I do not have any liabilities, my parents are retired, they have EPF, no need me to give them. I stay with them, the house is paid-off, I drive my mom's car, she seldom use it, so I do not need to get a car, the car is paid-off.
Currently, the home is worth RM500k, freehold. Eventually it will be mine when my parents say bye bye. So I don't have worry for a house. My parents still have a condominium worth RM140k now which is rented out at RM800 a month. Deduct the maintenance, only RM600 left, they are still financing it, left about RM60k to pay-off in 4-5yrs.

Problem facing:
I lost my focus in life, I don't have an urge to work for anyone anymore (My competance in IT will soon fade away if I do not upgrade myself which is very hard for me because I struggle in exams and I hate them.) All my bosses in the past (including part-time) sucks. I could trade currency with the RM10k & make a living out of it (just enuf for my every month expense) but I'm not satisfied with the life this way. Compare to the lower classes, I'm superb. Compare to the upper ones, I'm negligible. I don't wanna just sit there everyday staring at my PC and trade currency... It's a waste of my life, I wanna start a business but I might fail since I lack real world experience.

Can anyone give me financial manage/investment suggestions or share similar experiences with me?
I still have to go on living, is there anything I can do with that amount of money?
How about opening a food stall making RM2-3k a month, what should I do if I want to open a food stall?

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HELP!