2) woman in her 50s. Got retrenched when she as late 40s, lucky found a job, but then into 50s, cannot tahan new boss, had to resign. Managed to find a job, but at 60% of her current pay. She still has young children to support.

3) guy in 50s...he kena PIP...near MCO, then joined a bankrupt co, in the end also had to leave, then joined another co at 1/3 his pay.
some of you maybe young but when you reach 50s....you feel like walking on glass.....that's gonna crack.

that next 10 years is crucial.

don't ever take any risks to get new job or take up transfers.

you will never know - retrenchment, suddenly co results go south, change of boss