I was once asked in front of the entire audience at a function: What is my greatest fear?

Almost without skipping a beat, I replied: ‘Not having enough money when I retire’.

And surely, that is a sentence that must resonate with most too.

Never mind the fact that we’re currently living in the most expensive Asian city (oh – only for expats, of course – although does that really matter?) not for the first, second or even third year…but the FOURTH YEAR COUNTING. SINGAPORE IS EXPENSIVE. Point made.

Never mind the fact that water prices are set to increase by 30%  in tranches from July 1 (2017), meaning that one of the very precious commodities that we depend on to survive will be costing that 30 cents more per dollar in the near future.

But the very scary thought that one day, the little that we save and accumulate
throughout our working adult years will run