In SGD terms, Cents Wise Dollar Foolish. Just my luck that I was sending a friend home and went up to his apartment for a short 20 mins drink. As Murphy would have told me, Anything that can go wrong, will go wrong. Saving the trouble of tearing a 50 cent coupon cost me a $30 parking fine. Well, enough of my sad story, this actually led me to think about the 2 couples in their late 50s that I recently met. Couple A, typical hard core savers. They worked hard their whole lives diligently, paid off their HDB mortgage (which isn't very much since they bought their flat 20 years ago) and received a fair amount of CPF at age 55. They do have some cash savings since they have set aside their income consistently, accumulating in fixed deposits as they do not wish to take any risk at ......