[TMNT99]

For myself as a single man, I break it down into 3 steps. Have been working on this plan for the last 15 years and I am getting somewhere.

Step 1, START : Zero credit card and liabilities debt (car, motorbike, etc).

Step 2, Survival level : Zero asset debt (housing) and I used the CPF SA to great effect in my early 30s, only wished that I have done it at 25, looking at about 3K passive retirement income in future.

Step 3, Enjoyable retirement: develop passive income by investing, saving, SRS, insurance, business, etc. Any passive retirement amount more than 4K will allow you to have a pretty decent retirement as a single in ASEAN. Even in SG also not half bad at 4K a month.

Good luck and please start early! It will break my heart to see my generation collecting plates 20 years down the road. Our parents or grandparents lack the knowledge and choices , but we don't. If we become like that, it is by our own choice already, suck it up ba.