Retirement oh retirement

Like or not, your need to start your retirement plan now. Not matter how old are your. please consider and take serious your future. if your already 40 years old, it not late and if your 20 years old, it doesn't mean you have a plenty time to plan it.  What i want to say here: PLAN IT NOW.


ask your self with this question?
 "will I be able to sustain my lifestyle the moment I venture out on my own or retire from my job?".  


In Malaysia alone, RM1 Million saving not enough to sustain the life after retirement. and the bad news it, only 10% from population in Malaysia have good saving. Most of Malaysian preferred lifestyle than saving.  This is are major problem and very dangerous for all of us.  Credit Card has been control of spending the most of Malaysian, they like to spend in advance for shopping and etc.
If your retired at age of 55 years old as what government implement now, it's still consider young compared to developed countries which most of the people retired at age 65. 
of course lots of Malaysian have the own KWSP saving(Employee Provident Fund).  but you must ask yourself if this saving enough for your until the last day you standing in this earth. after 55, your eligible to withdraw all this moneys. based on report and study, people who already withdraw this money will spent it only for few month before all the money gone.  SO WHAT LEFT FOR YOU AFTER THIS???????