An improved version for us to simulate how much is enough to retire and how hard we have to make our investment portfolio work for us? Not everybody needs $50K passive income from our investment income to live our lifestyle.   For example, like Uncle8888's colleague who doesn't like overseas travel and vacation so he doesn't see the need for Passport. Ordinary retirees in Singapore are likely to depend on combination of their investment portfolio, CPF OA, CPF SA and CPF Life and supported by some level of emergency cash and adequate medical coverage that fix our daily lifestyle. Everyday, we treat ourselves 365 days a year and year after year  in B1, B2 or C Ward; but when we are suddenly sick; we "demand" A ward treatment. That is strange! Guilty conscience at play or what? Try it out your yourself! Email Uncle8888 if you like to have a copy......