I have 2 friends

1) guy in 50s....kena retrenched, can't find job but managed to do some free lance business. When then suddenly he was struck by an illness and needed a lot of money for long term operation. Had to ask for money. Don't know how he can support 2 children.

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

Life has two blind spots most people overlook.

1st: We think joy begins after retirement. Fallacy. Many never reach 60. Death may come today, tomorrow, next week, any time. Why wait to live?

2nd: We think work will remain stable until retirement. Another fallacy. The economy rises and falls. Technology disrupts. No job is safe forever.

The way forward is balance. Save enough for the storm, but do not postpone living. Tomorrow is not promised. While the sun still shines, make our living and live our life.