I found an interesting textbook for social workers in Kinokuniya a week ago and decided to buy it because it discusses issues that have bugged me for more than a decade. When I just published my first book, I attracted my first bunch of critics. They challenged me to see whether a non-degree worker can also be made to retire early on a salary below $2,000 in today's dollars. Faced with such a question, I retreated immediately because my salary was actually quite good when made my first $100,000 ages ago. Also, I enjoyed living like an ascetic. The idea then was that most of Singapore cannot be helped. Even if some kind of magic formula were to exist, most citizens would lack the IQ or conscientiousness to implement a multi-decade plan for retirement. Government understand this well which is why they have CPF - it's a system to save Singaporeans from themselves....