Most probably they don't saved more than enough before being fired.
If really enough, they don't hv to be frugal.
Those just aimed to be enough to be fired....will hv to live with the life they aimed when setting the target to fire.

if you are NOT that kind of person that liked travelling, exploring and have no fear of unknown, hustles of travelling and problems that may come up....even when you are retired, travelling may not be your forte/likings.

I found this nice and meaning full (at least to me) song after watching House M.D last episode.

Guy Lombardo -- Enjoy Yourself, It's Later Than You Think
https://www.youtube.com/watch?v=nFxjnUPRwx4

nicely tuned and meaningful lyric....

You work and work for years and years, you're always on the go
You never take a minute off, too busy makin' dough
Someday you say, you'll have your fun, when you're a millionaire
Imagine all the fun you'll have in your old rockin' chair

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

You're gonna take that ocean trip, no matter come what may
You've got your reservations made, but you just can't get away
Next year for sure, you'll see the world, you'll really get around
But how far can you travel when you're six feet underground?

Your heart of hearts, your dream of dreams, your ravishing brunette
She's left you and she's now become somebody else's pet
Lay down that gun, don't try my friend to reach the great beyond
You'll have more fun by reaching for a redhead or a blond

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

You never go to night clubs and you just don't care to dance
You don't have time for silly things like moonlight and romance
You only think of dollar bills tied neatly in a stack
But when you kiss a dollar bill, it doesn't kiss you back

Enjoy yourself, it's later than you think
Enjoy yourself, while you're still in the pink
The years go by, as quickly as a wink
Enjoy yourself, enjoy yourself, it's later than you think

then try to reflects if trying to save as much money or being frugal to the extreme just to squeeze the last drops of money earned to the max just to want to keep up with / wanted to be with the joneses that had retired early

while waiting for his response,...i think they are something like these ....
F = Fraser
A = Ascendas
C = CapitaLand
M = Mapletree

but not sure of their specific full names

if you have enough....then should be no problem

Good to have high goals... It makes one strive to earn n save more... So as to be able to fire..
Just like some strive to hv yearly global travelling during fire

If children grown up and each gives substantial amount of money... Parents can fire earlier instead of having to continue to work and save for retirement

Currently I see the younger generation will always be able to make more money than the older generation...
More opportunity in education, more working and higher income opportunity, more knowledge and choices in saving & investment and others..
More areas to spend too.

This post has been edited by yklooi: Jul 30 2022, 03:17 PM

II got this reply from my agent, ..... Looks like no untung. 😱


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No idea, that is just what my agent told me...
Tak ada untung.. Something like Increase of benefits, with increased entry age,.. Then will hv higher premium

For me, for someone that liked insurance, I would say, if your budget allowed you to have that extra 1k premium expenses And if you had catered and prepared for the frequent periodic premium increases in the cost of insurance., then I think it is worth to get that extra protection