One day, when I was taking a shower (now readers know where all my inspiration comes from!!), I reflected on my years of working, investing, conversations with friends/family/colleague and tried to distill what were the two most important ideas or messages that I should tell anyone who was getting started on investing/retirement planning/personal finance. You see, in Asia or in Singapore, personal finance is still pretty much a taboo topic.  It isn't the best lunch conversation topic (unless one is talking about the latest stock picks and how who and who made a million bucks from some investment).  But people in general tend not to reveal their own investments, savings, etc, etc. Money is almost like a taboo topic that is not discussed. I have heard and read about so many ideas but I think these are the two most revolutionary ideas that will perhaps change the perception or ......