This was a recent email exchange with a reader:
Hi AK
I've been following your blog for quite a while, but this is my first time writing to you. Hope you could 'talk' to yourself about my sis case below and let me hear it so I will know how to help her.
My sis is almost 60 years old, single and stays alone. Recently, she fell very sick and was admitted to hospital for a few weeks. Now she is at home on medical leave. We got a maid to look after her. Don't think she will be fit enough to go back and work.
She doesn't earn much as an admin staff, but still managed to save quite a bit through many years of working and saving - about $150,000 in Cash and $100,000 in CPF. And she has also paid up fully for her HDB flat, so no debts except for some insurance ......