小胖 had mentioned before that his goal or target is to be semi-retired at 45 years old. However, over these few months, he always had this thought at the back of his mind... Yes, many wished to semi-retire/ retire by as early as possible. But what are the costs involved? Does it mean going on fewer dates with your spouse? Does it mean spending lesser time with your friends? Does it mean taking on a few jobs to ensure that money keeps rolling in constantly? For the past few years, he had tried to scrimp and save as much as possible that meals with the wife-to-be are spent usually in hawker centres. Dinner and drinks with friends are reduced to once every month or bi-monthly. Even though there are visible savings, which are in turn plunged into the portfolio, or kept for weathering the market downturns. However, ......