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How is retirement 'really' like at 40s

  In 2019, my position in the company was made redundant and I have to leave. I was 45 years old at that time. My mindset isn't ready to be out of work so suddenly because everything is not according to my plan. Being out of work at the age of 45 years old isn't that good in Malaysia, especially when you have been holding a middle management position all the time. Employment opportunities are way too limited and you have to compete with the young ones too! My sadness was not for long. I was hired after 6 months. But I survived only less than 2 months at the new place. The accident happened while walking back to my car during one of my usual work days. I end up with bad back pain to the point can't even sit down for more than 10 minutes. I tried to apply to work from home but my position requires me to be in the office. After long deliberation, I decided to resign and focus on my health recovery. Just to be fair to the company as well. After a month resign from my work, I ma

How To Calculate Retirement Goal

  I celebrated my 48th birthday last week. An old friend visited for quick lunch. He said, I was living his dreams life. To be honest, I never planned to retire from work this early. My initial target is to retire at common age, 55 years old. Due to health reasons, I end up not working. Anyway, I was always prepared for my retirement days ever since I was in my early 30s. This means it took less than 20 years to save my hard earn money to ensure self-sufficient retirement days. I wish to start early, though!  How to plan for Sustainable Income during retirement days? For those who have some inheritance somewhere under your name, you are so blessed in life. But many of us have to start from 'zero', and lots of sacrifices. The average life expectancy is 75 years old. Since I adopted prudent life habits, so I usually calculated until 85 years old. Anyway, we never know when will be the time for us to drop dead, right? If you are to retire at the age of 55 years old, then you need

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