If you cannot accept alternative opinion, and respect the opinion of others, it may be better you don't join any forum discussion.

By your logic, every thread in LYN forum must not be disputed. Those with alternative opinion have to take the trouble to open another thread

So far, only you are so fired up towards my opinion. Other readers seems ok and I enjoyed the matured discussion with them.

Ok ok.....to reduce your blood pressure, I put spoiler hope that would be of help to you  

Early retirement isn't about how wealthy you are, say several early retirees.
For many early retirees, the value of life during early retirement is priceless  — the happiness it brings doesn't depend on the dollar.
Instead, early retirement is about two things: time and lifestyle.
When it comes to early retirement, there's no discounting the importance of having enough money saved to retire early, but many early retirees will tell you the truth: money doesn't really matter once you get there.

Brandon of the blog Mad Fientist, who retired at age 34, previously told Business Insider he wishes he knew how "unimportant and insignificant" money would be after retiring early.

"I always thought that I would spend my early retirement doing entrepreneurial things, but now that I have enough money, doing things for the sole purpose of getting more money doesn't make sense anymore," Brandon said. "Money has been the primary motivator for my entire adult life, but now that I have enough, I've had to find new sources of motivation."

Money is so unimportant to early retirees that in hindsight, many said they wish they didn't wait so long to retire early, even if they didn't have as much money saved as they would have liked. For them, you can't put a price on the value of early retirement.

Consider John from ESI Money: after a few calculations, he realized that by retiring at 52 instead of the official retirement age of 65, he gave up $3.1 million in earnings.

But to him, it was the best $3.1 million he ever spent, for several reasons: it wouldn't have changed his lifestyle, he probably added a few extra years to his life by escaping the stress of work, and he found early retirement way more enjoyable than working.

"Imagine 13 years of life enjoyment in retirement versus 13 years of life enjoyment if I remained working — especially in the last 13 years of my career," he wrote. "What is that life enjoyment worth?"

'Money is infinite, but time is not'
The enjoyment John speaks of doesn't depend on a dollar, but instead on two other factors — time and lifestyle.

Grant Sabatier, who retired at age 30 with $1.25 million and runs the blog Millennial Money, has said financial independence has always been about time, not money. "If you view money as the goal, then you miss the point," he wrote in a post published on Business Insider. "Money is infinite, but time is not."

He explained that time becomes more valuable as we age because we have less of it left — but the concept doesn't frequently align with people's perspectives on valuing their own time or how they think about money in their lives.

"To me, early retirement simply meant having enough money so that I didn't have to worry about money and could finally follow my passions and find new passions," Sabatier wrote on Business Insider.

In addition to time, early retirement is also about your lifestyle, according to blogger Mr. Crazy Kicks, who retired at age 34. In fact, he says, an early retirement lifestyle is something you should develop while preparing to retire early.

"Instead of living in a cardboard box eating ramen to save money, one should pursue financial independence by honing a lifestyle that is based on living well for less," he wrote in a post previously published on Business Insider. "The goal is to continuously cut excess spending while building your own early retirement lifestyle that doesn't depend on tons of cash for happiness."

The key, he says, is maximizing happiness per dollar — put your money where your heart is, but get the most bang for your buck.

As Sabatier puts it, "Money only matters if it helps you live a life you love."

Most people retire during their 60s. To retire earlier than that requires planning, discipline and paying close attention to your savings and investments. But the sacrifices and extra effort are worth the trouble. Early retirement planning makes you rethink what brings you happiness and life satisfaction outside of your career and improves your financial footing. Here are eight reasons to pursue early retirement:

Address the future today. Many Americans are unprepared for retirement and may need to continue working during their 60s and beyond. A primary reason for being unprepared is a lack of planning and saving in their younger years. By setting a goal to retire early, you begin to analyze your finances and design and implement a plan to get there. The sooner you begin planning and making serious efforts to secure your retirement future, the greater your chances of achieving it. Analyzing your current financial situation and creating a plan is good at any stage of your life, but preparing for retirement gets more difficult the longer you wait to start saving.

[Read: 5 Challenges of Early Retirement.]

Increase income. Once you decide on an early retirement goal, you’ll quickly realize there’s a good chance you won’t be able to do it without spending sacrifices or extra income. Sacrifices are hard to adjust to, so many people prefer to accelerate their retirement savings. Planning for early retirement motivates workers to excel at their current job to receive promotions and raises. Some savers also seek out ways to earn money beyond their primary source of income. Extra income ideas can include a second job, side business or real estate investing.

Circumstances may require you to retire early. Not everybody retires in their desired fashion. At some point, you may not be able to work. However, when you prepare your life and finances to be able to retire early, you’ll also be better off in the case that you are forced to retire early. For example, during the recession in 2008, some older workers retired due to job loss and difficulty finding work in a pool of younger workers. Health ailments can also sideline a career, especially for workers in professions that require physical activity. Pursuing early retirement can reduce the hardship if your working years are cut short for reasons outside of your control.


Improve your relationships. Early retirees have more opportunities to spend time with people they care about. By achieving early retirement status, social activities can become priorities in your life instead of a slice of your calendar. Your spouse and family will also benefit from the added time you have to enjoy each other’s company. That’s not to say you can’t have strong relationships while you work full-time, but early retirement gives you more time to dedicate to family members. Another benefit is the ability to be available to friends and family who need help. Freedom from work requirements allows you to serve others in need, which is far more gratifying than writing status reports.

[Read: The New Target Retirement Age: 66.]

Travel. Vacations from work are rarely long enough. Travel is best when it’s unrestricted by time. Early retirement allows for extended travel, which is difficult to schedule when you’re employed full-time. It also helps to prevent age from being a limiting factor in your travel decisions. Plan a month or two in an intriguing city, volunteer in a recent disaster region or travel by land through multiple countries. When your time allotments are less restricted, the opportunities to explore are more abundant. Extended visits will make you appreciate each destination more thoroughly than a quick tour stop.

Prioritize your health. Commuting, work travel and firm time commitments are consequences of a full-time career. When you’re working full-time, exercise tends to be secondary to the rest of your daily responsibilities. Sitting most of the day in a chair is inherently unhealthy, while the constant temptation of office treats is a detriment to healthy eating decisions. Good health is perhaps our most important asset. When you retire early, you can prioritize your health while you’re still relatively young, allowing you to improve your overall well-being and potentially extend your longevity.

Lower consumption and spending. One of the most effective strategies for retiring early is lowering your annual cost of living. A lower cost of living requires a smaller retirement nest egg, enabling you to stop full-time work earlier. A secondary benefit of reducing your costs is becoming more conscious of your consumption and spending decisions. Smarter consumption habits are better for your pocketbook and reduce your global footprint.

Depends on country. In Malaysia, 55 is the official retirement age. So, any age earlier that that is early

For Australia, I think it was 67 ?

No, I am not saying the whole world have a single number. It depends on the official age of the country
Because those with FIRE mindset try very hard not to work another day if they could. They have no passion to work. Working is just for money.

Jack Ma on the other hand is a visionary. He is ambitious. He created new way of life and changed a new world.

Any proponent of FIRE here has Jack Ma’s ambition ? I don’t think so.
I am referring to my analogy of smoking vs RE.

You said that smoking is selfish in front of children.

So, when a person retires, he retires and live in a society. It will affect people around you. Unless you can retire and live in the mountain alone, then my hypothesis does not stand

The self-made billionaire has also spoken of his dissatisfaction with his busy life and longing to become a teacher once again. He has repeatedly talked about his expected hectic travel schedule, since retiring as chief executive officer of Alibaba, to become executive chairman.

"When I retired from the CEO position, I told the CEO team (in 2013) I should have more time playing golf on the beach.

"But I find, oh my God, spent 870 hours in the air last year, and this year, 1,000 hours," said Mr Ma, in an interview with American talk show host, Charlie Rose at a conference in Detroit in June, 2017.

"The thing is, I don't want to die in my office. I want to die on the beach."

As Alibaba has grown into one of the world's most valuable companies, joining the ranks of Apple, Microsoft and Amazon, Mr Ma has made unlikely remarks about his mixed feelings towards the company he co-founded in 1999.

He famously said his "biggest mistake was I made Alibaba", because of the enormous pressure and responsibility he has had to shoulder to steer the US$420 billion (S$578 billion) company with more than 86,000 employees.

"I was just trying to do a small business and (not) grow that big, take that many responsibilities and get so much trouble.

"Every day is like being as busy as a president, and I don't have any power. I don't have my life," said Mr Ma, at the St Petersburg International Economic Forum in June 2016.

"If I still can have a next life, I will never do a business like this. I will be my own self, I want to enjoy my life," he continued.To head such a tech titan also requires unparalleled political wisdom and calculation, as maintaining a good relationship with the government can be vital to a large company's success in China

1. A person who works 12-14 hrs a day, how he spare time to do what he is passionate about?

2. If a person is a volunteer rescue worker and he has to be away from his job for a month for rescue work, do you think employer will allow him to do that?

3. If a person is a chef in a orphanage home and do you think the employer will allow him/her to go off early every day to cook/prepare meal for the under privileged?

When I ask few simple question, you refuse to answer and question about others why so fired up? and hide under the so called "hypothesis"?
https://sg.news.yahoo.com/people-retire-ear...-141800426.html

On your question whether Jack Ma is a visionary and FIRE or not.

He still work until close to his retirement age.

I salute his unselfishness, despite his “unsatisfaction of his busy life”.

Those who only work until 40 years old is selfish compared to Jack Ma.

He is a good example for my hypothesis 

Good morning ! Glad you still can reply to a post first day of work after a long holiday.

Here are the answers :

1. This is the job problem. Change job. Find something with job/life balance. If malaysia cannot find, go elsewhere. That’s why so many people migrate. Look at our friend Garysydney, his job does not require 12-14 hours day.

2. I am a boss. I have 2 staff who is with chizi. I am very supportive of them. Whenever they apply for leave for their charity work, I encourage them. There are employers who have the same belief. Just because you haven’t seen them doesn’t mean they don’t exist. Look harder if your priority is doing charity work

3. You mistaken a full time and part time charity. When you are still working, choose charity work which is more flexible. If you think there is only full time charity work, that is just an excuse to overlook part time charity work

I don’t answer some of your questions because I felt they are childish. Sorry, no offense....

Many people accepted that a job must consume 100% of their attention. Overtime is a good thing and you are hardworking. That is very wrong. Maybe that is the Asian culture. In other countries, a job is a job. If you need to spend more than your normal working hours to complete your work, that is called inefficient, not hardworking.

From how you wrote, you are trained to fall into the trap of a work slave.

Take a step back, re-evaluate what a job mean to you. Then you will have a different perspective.

The Difference Between a Boss and a Leader. Share: A boss manages their employees, while a leader inspires them to innovate, think creatively, and strive for perfection. Every team has a boss, but what people need is a leader who will help them achieve greatness.

The retirement age in China currently is 60 for men and 55 for female civil servants and 50 for female workers.

Good info.

Jack Ma is very close. Definitely an unselfish contributor to the economy 

I am glad that you finally answer my question in the early hour of morning.

1. Do you think that is so simple that if it is job problem then just change job? Do you thin it is easy just to migrate if someone can't find job in Malaysia and you expect can be easily migrate to other countries? Show me which countries any Malaysia can just go and get a work permit/PR and start working? From the way you said this, i can assume that you are quite retard and your brain can't really function well. sorry no offence this is my hypothesis.

2.

My hypothesis a boss doesn't inspires and impose what he think to his employees. 

3. Now you are saying full time and part time charity work, so if a person choose to let go his/her full time job and contributes full time to charity, why is this call selfish? You have always mentioned in your previous post that some one must be passionate about his job and now, you are saying In other countries, a job is a job? if what you said a job is a job then why cant a person choose to contributes his time to charity work or something that he is passionate about?

Against that is your hypothesis whether I am a work slave or not. If you look closely at how frequent that I reply your post and almost instantaneous reply, you would realize that  your hypothesis about I am work slave is wrong. I can sit in front of my computer to reply your post almost instantly except the hour that I need to sleep and do something that I am passionate about which is unlike somebody still working for a job just a job

so retirement age 60 and he retired at 54. 6 years is very close?

Yes

40 y/o is selfish, according to my hypothesis

I am close to 60 y/o. Don't need so much sleep. I wake up quite early.
When there is a will, there is a way.

Many people has migrated to other countries. If they can do it, why can't you ?

Yes, it is not easy, but it is possible

The highlighted part above is why I don't reply to you, because it is very childish 
A hypotheses must have some argument and backed up with some detailed explanation. Must have enough information to let people understand it.

You don't just write a sentence and make some quotes to form a hypothesis
My hypothesis detailed down all the points that conclude RE is a selfish act. To the economy, society and country.

It was very specific.

Of course, some readers would agree and some would disagree. That is why it is called a hypothesis
No, my hypothesis doesn't mention you are a work slave. My hypothesis is vey specific, and it was listed down in point form a few pages back

It was my observation when I see your question that a person has to work for 12-14 hours that I conclude "work slave"

An observation is not a hypothesis

If a person has to work for 12-14 hours a day, in my observation he is a work slave

Your ability to reply to LYN forum during your 12-14 hours work does not matter in my observation, as long as a person needs to work that long hours is not correct. It is an exploitation

May I should say you are envy of what other people can achieve and you can't

Let me ask you, if I want to marry a princess from UK, will I be able to do so? Not I won't be able to because I am not in the same league with those high profile.

I would like to say again I do not agree with you hypothesis and calling others selfish. Who do you think you have the right to judge? are they your children? or may be your son?

Your observation is wrong and which part of my comment that i said I work 12-14 hrs?

If a person has to work for 12-14 hours a day, in my observation he is a work slave

Another example why I said your comment is childish. We don't live in a fantasy...
Noted. You are not the only one who disagree with me.

In a forum, I expect disagreement. There is nothing wrong with that. But it seems that everybody must agree to your comment...

That's why I said some of your comment is childish....

It depends.

If a person is so passionate about his job, work for 12-14 hours a day proved that he/she found the fulfillment at work, and vice versa.

From what i observed in my company (MNC), quite a number of employee practices the following thinking :



- They come on time, leave on time.
- Work as per instructed, won't go extra miles
- Free time ? Lazada / fb / whatsapp
- get average performance appraisal and blame company do not appreciate hard work of employee

The concept is good but t it is often MISUSED . If one is able to concentrate during their working hours, no FB/lazada/whatsapp and such, then come on time and leave on time is consider highly efficient and productive.

You quoted there is a will there is a way and now you said don't live in a fantasy? so are you saying now " there is a will, there is a way" is selective being apply ?

Against, let me put my question to you, which part of my comment said that I work 12-14 hrs?

Which part of my comment that I expect everybody must agree to my comment? I am merely responding to your comment .