The whole idea of Investment is so that we have more money. People who say they don't probably already have enough. That's the reality unless we trying trying to poke holes into exceptions.Instead of re-inventing the wheel I should tap on other brains. There are plenty strong logics out there as anonymous I like to share. Here you are. Cannot imagine that after working hard for 30 - 35 years, you would want to cut back everything and live like a hermit upon retirement? Retirement is a time to take back your life and live! Do the things you want to do, travel to places and experience other cultures and pamper yourself. When planning for retirement, always plan for more. For eg., if you think you would only require $84k pa ($7k pm) in retirement, aim for $100k pa ($8.5k pm). It is better to continue working ...