Actually i don't understand why people always said not enough to retire, when you get old your lifestyle and spending will be lower and lower, when you 60+ you don't eat as much as when you 30+..so yes inflation kicked in but you eat lesser so price will be lower.

For lifestyle, i think some people want to maintain that 'lifestyle' at 60+.. That's why not enough. For 60+ uncles go cheong once a month cukup la and also go kopitiam instead of hispter cafe. spending sure go down.


FYI, this is my pov only. i not yet 60+... long way to go..correct me if im wrong