I had been reading and watching alot of personal finance articles/videos lately. Just a question, when people(from usa) said save 20%-30% of your income. If i were to translate to malaysia situation, that means our employer and employee contribution already include in the 20% consideration correct? Because seems like usa 401k/roth ira is an optional rather then mandotary unlike our epf unless of course im misunderstanding of the situation.

My wealthy Mgr tells me... Unless you have million-million in the bank, don't retire.

Nothing more depressing than having too much free time, but not enuf passive-replacement income.

A better alternative is work, maintain 100% income lifestyle, till u drop dead.

I hope to work till 60, 62, 65, 67...whichever later.