Posted by bsngpg > 2013-12-20 16:34 | Report Abuse

1) She is a beautiful girl. Botak J is a lucky guy.

2) Yearly expenses for retirement life=<4% of total saving. Umm, something new to me.

As I have few kids, I think I need more than 4%. In another word I need higher number in total saving. But I can see bright light at the end of tunnel. I am full of hope now.

3)Very simple life during retirement. I like it. Can my family adapt to it? My kids may dislike it. Sigh, need to increase the 4% or the total saving again.

4)The actual expense in travelling is not expensive. Umm, something new and seductive to me again. I wish I can pay a visit to New Zealand and sending white coffee there. Golf ? Sorry, I do not know at all.

5) Seeing the excessive lavish gomen, my total saving may depreciate to a very low value during my retirement age. To create a margin of safety, I need to increase the total saving again.
Sigh, add up the above, how to retire early ?