We all know it’s prudent and sensible to get our finances in order before we retire. But in reality, many procrastinate on this matter. About 39% of Singaporeans are not confident that they will have sufficient funds for retirement, a survey by YouGov Singapore and Endowus found. Yet, 45% of Singaporeans have not planned for retirement at all — a finding more apparent among younger adults. It pays to plan and save for retirement early, so that we avoid being financially insecure and having to work in old age. Want a comfortable retirement? Here are four things to check off to prepare for your golden years, if you have not already started. Set your monthly expenses in retirement There are two categories of spending you should make a list for. The first category consists of essentials and necessities, such as food, housing, transportation, utilities, healthcare, and so on....