One of the financial mistakes made by Singaporeans is that we always procrastinate retirement planning until its too late. Money issues may dominate your golden years and affect your quality of life if you are not careful with financial planning in your early years. As a wealth builder, I tend to make this mistake as well but I always force myself to think about what kind of lifestyle I want when I am in my golden years. To do so, mindset needs to be changed. This is because our needs and wants change with time. It will be not be realistic to project your future income and expenses based on current situation. The major reason for so much frustrations among Singaporeans on the CPF Minimum Sum is because most of us depend solely on the amount as the main source of retirement fund, which may not be sufficient given the rising ......