Source: Giphy When it comes to planning for retirement, most of us would’ve heard that we need to start early. But, a survey study by St. James’s Place Asia (SJP Asia) found that 54% of Singaporeans aged between 45 and 64 have not started planning for retirement! And… 55% of those surveyed have not accounted for inflation in their financial planning. 😲 These numbers are… alarming considering we’re always bombarded by the importance of planning for retirement. So, why is this happening? Let’s find out!