In Apr 2004, after hearing the bad news from his doctor, he spent the next few months counting so hard on how much is enough for his family to survive through the next 15 years without too much financial hardship on them. How much is enough for the next 15 years till kids are independent on their own? Where are the sources of funding? With several insurance policies, CPF saving, investment portfolio and a fully paid 4 room HDB flat; the counting of money showed that it was not that bad. His family should be able to "tong" through the next 15 years without too much financial hardship.  Read? 10th Year Anniversary??? In the last few years, he also began to seriously start counting his money but at a more leisure and relax pace. This time, it is not about his family having to survive through financial hardship for the ......