In this article, I will touch on savings, investing and retirements. As an advocate of retail investors and investing, I have been wanting to write an article on the above as retirement planning is in the minds of many but many people are not sure on how to do it. I will use a mathematical model for this article so that I will remain as objective as I can. Are you ready for this post? I am excited as well as this will be my first time using a mathematical model to discuss retirement and link savings and investments with it. According to official statistics, the average worker here works 45.9 hours a week but more importantly is the median monthly income of $3,705 from work per worker officially. Assuming every one of us earn this median salary, and a 13th-month bonus and pays 20% CPF and works for ......