I used the DBS retirement calculator here. And discovered I need at least $1 million to retire if I want to retire 20 years from now. Assuming I spend only 60% of my current income on retirement.  (I suspect the system didn't take into account any prospective pay rise or maybe it just assume a flat inflation rate of an unknown x% for all the current figures. My shortfall predicted at $xxx,xxx with a beautiful chart representation.) So what now? I have to do either or all of the following in the years before retirement:

1. Increase Human asset value
2. Increase Income and Saving
3. Increase Investment portfolio value
4. Create / acquire growing tangible assets
5. Create / acquire growing intangible assets

And also put the magical effect of compounding to work. So how to do 1,2,3,4,5? One at a time. One step at a time. Very simple right... Like real...  ...