My younger bro has always wished to migrate to Australia. He has the perception that life is way better there than in Singapore. Actually, when I read your article and based on my experiences living in 3rd world country or the other country with lower currency, everywhere is the same. There are homeless people by 55. Or rather those who can't buy a house for themself by 50. And those who can only work part time like me, knowing we may not have enough for retirement. I thought being in Singapore is a life suffering journey for old age. But now I see that it's not only in Singapore. You highlighted that retirement isn't all about money. And I see that too, through this wonderful article. Yes. My mind always wonder who will care for me when I am no longer competent to even walk.