She is only 22, just left for Malaysia not too long.......it remains to be seen, when she starts having children, it will be a different scenario.
I have a friend, whose sister married a Malaysian man, a good 26 years back, now her son is working in Singapore and the other 2 children is working in Australia...... In terms of opportunity, which is better further more, if the ringgit weakens further, cost of goods will definite go much higher.
As for savings, a friend has remarked, while in Singapore, while the cost of living is high, one is able to safe more, as compared to those countries with high taxes, as those in Europe.
If one were to take the train, the savings is even more.......as the taxes are on the low side.