Have you ever give urself a serious thinking abt wat u really want to do with ur life? Life is very short yar. If u do go to hospital, u'd notice most ppl above 40 starts having serious health prb.
From age 0 to 15, you had no choice. If you're born rich, you still need parents to take care of you. You don't have much freedom. If you're born poor, even worst. You have very little freedom.
From age 15 to 24, if you're parents can afford you to college or uni, you again spent ard few more yrs of your age studying.
After study, say at age 20, you'd come out to work. You're newbie n it takes few yrs. In general, you'd reach 30. If you do save some $, for downpayment then you start owning car and a apartment. Otherwise, you may only afford public transport or perhaps a bike. Most ppl will still stay with their parents except for few who can own a home. From 20-30, you also created a lot of debts and it prevents you from saving. If you are those who buy branded stuffs and often go for holidays, you had practically no savings. If you do not study hard, you had to work like a cow, earning peanuts pay. If you hard study hard, you will work like a horse.
From 30 onwards, you debts are even greater bcos if u do own a car and/or a home, the interest and loan is high. Plus you had to buy things into your house. If you are poor, you may even had to support your family. As you grew older, so is your parents. They are easily fall sick and you had to support them too. Either way, your savings are either none or very little. I would also say you will continue with your habit of holidays and buying stuffs. If you work with peanuts pay, at 30, it is scary bcos you are not young anymore. Imagine you had to stand wholeday at shopping malls or in the kitchen or in restaurants.
When you reach 40, you're still trying to settle you car loan and/or hse loan. Your health problems starts to come. Whatever $ u had work hard for during your youth, now you have to pay the price on your health and with very little savings. Health care is getting more expensive.
At 40 still, if you still do not have savings and only rely on EPF for your retirement, then you start to panic. People call this middle age depression or something like that. If you do not plan early, you will hit this. Otherwise, good for you.
It's a pity that humans toils everyday, work work work and at the end of life, we life as human beings coming to this earth is for nothing. What have you really done for yourself? Everyday you had to wake up early to go to work. Stuck in the jam. Face a lot of problems at work. Stuck in the jam again. Came back home at nite. Some came back very late. Then at home you face family or housemate problems. You got only like 3-4 hrs for yourself, everyday. When weekend comes, time flies really fast for that 2 days.
Do you want to pass your life like this? If so, its a pity. Take a look around. Lower your commitments to zero. It takes time and it's doable. Some ppl are even more pity working their life away. They stay back so late working and work on weekends too. Not many ppl can achieve early retirement bcos of too many commitments. You're very much stuck then.
Lately I've started to think for my life. I also looked around at what other's life. I asked myself if this is what I want. Nope. Enough is enough. I do not want to wait till I'm 50 bcos life is just too short. Life has no meaning if I continue doing what I'm doing. I lowered all my commitments to zero. And I do save. So now, I can really resign without thinking twice. I can happily resign without thinking that I had to pay for this and that. I can wake up late and go anywhere I want. Eat watever I want no matter how long I want. See? This is wat I want. I want to have a meaningful life. I want to die knowing at least I am happy. Haha...