TLDR Malaysia offers retirees 40-60% lower living costs, world-class healthcare, and visa programs like MM2H. Top destinations: Penang, Ipoh, Melaka, KL, Johor Bahru. Budget RM 4,000-6,000/month for comfortable living with safety, peace, and quality healthcare access. Here’s the honest truth: many people spend more time planning a two-week holiday than planning where they want to spend…