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Old 13-11-2017, 07:22 PM
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What would be the ideal retirement age assuming you live until 82, our life expectancy.

We are expected to be in ill health for 8 years before we die at 82. So we might have good health up to 74, assuming we don't drink, don't smoke, don't overeat, don't womanize, not highly stressed, not overweight, have enough sleep and rest every day, exercise 3 times a week, etc.

So, if we retire at 65, then our enjoyable retirement years will only be 9 years (74-65). Is this worth it? We work hard from 6 years old in Primary 1 until 65. So we work hard for 59 years (65-6) and we only enjoy for 9 years. Not a good trade off.

We all should aspire to retire early to enjoy life before we get sick at 74 and die at 82. We should all strive to retire at 55 so that we will have 19 good years of enjoyable retirement (74-55) after 49 years of hard work (55-6). This trade off is much better.

Very sad for those who work so hard until they suddenly drop dead before they can enjoy a single day of retirement.

Those who are now already sick with hypertension, stroke, heart attack, diabetes, high cholesterol, cancer, liver and kidney diseases, STDs, etc, it is time you review your life priorities. No point for you to continue earning that extra dollar if you risk dropping dead any time. You can stop working and take care of your short remaining years. It's ok to downgrade your home and sell your car. At the end of the day, all the wealth you work so hard for are meaningless. You won't be able to bring them to your grave. Our existence on this earth is short and temporary.

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