A recent conversation with a reader:

Hi AK

I have been a silent reader mostly for several years now. And i am ashamed to say that i now feel like i have not learned well from your blog, and am caught in this situation where i just do not know if i should bite the loss of almost 15k, or just continue with the plan i bought from my FA. Hence, I am writing to hear your advice.

I am 34 years old and my other half is 36… purchased a Retire Happy plan last year.¬†My husband¬†purchased it mainly because of me.

I was doing a review of this plan and chanced upon your words of wisdom on this Retire Happy. And then i realised that i might as well have topped up my own CPF account.

What should i do now? …