Retiring in Lower Puna, Hawaii, can be a good idea if you're seeking a quiet, nature-filled environment, but it depends on your preferences and financial situation. Here's what you need to consider:

1. Cost of Living

Housing: Property prices or rent in Lower Puna can be lower compared to other parts of Hawaii. A modest home may cost between $200,000 and $400,000. Renting can be around $800 to $1,500 per month.

Utilities and Groceries: Expect higher prices for utilities, groceries, and other goods due to Hawaii’s remote location. Groceries are generally 30-50% more expensive than the mainland U.S., and utilities are also higher.

Healthcare: Healthcare costs in Hawaii can be expensive, but you'll have access to good care. You might want to consider additional health insurance.

Taxes: Hawaii has high state income taxes and property taxes. You’ll need to plan for these in your budget.

1. Lifestyle Costs

If you plan to live a more frugal, laid-back lifestyle, you may need less money. A budget of $3,000 to $5,000 per month can cover basic living expenses, but this varies depending on your housing situation and personal spending habits.

1. Visa/Residency

As a Malaysian, retiring in Hawaii (U.S.) would require a visa, typically a long-term one like an investor visa or retirement visa. You cannot simply retire there without proper immigration status, so you may want to consult with an immigration lawyer.

1. Savings

A comfortable retirement plan might require at least $500,000 to $1 million in savings to ensure a good quality of life, considering longevity and unexpected costs.

(So I need 500k to 1million I don't know if this is right what do you think?)