“So … you are fully-retired or semi-retired?” I asked in disbelief. “Well…. sometimes I shift my money around…”he said in an embarrassed tone. “Ya, ya he hides it in his Cayman Island accounts!” another friend chirped in. We laughed. I did not really know Mr P. very well.  I only reached out to him after I saw him post an article on Facebook about saving money and investing from the Motley Fool. I commented : ” This guys are always writing the same things.  Most of it is common sense!” ( Yes I actually said this, sorry to my dear friends at Motley Fool Sg!) Mr P. replied like how a wise zen master replies to a dumb student: “Sometimes, the simplest advice is the hardest to follow.” That statement did not leave my mind for many days.  I knew that Mr ......