Summary A Singaporean retired at 35 and now spends just S$150 a month. How did he make it work? After losing his job at 35, Colin Lau built a retirement plan centred on reducing his cost of living to the minimum. He bought a flat in full, generates income through rent and insurance payouts, and keeps monthly expenses to about S$150. From housing decisions to daily spending, his approach focuses on maintaining financial stability without a paycheque while preparing for future healthcare and living costs....