Mr Middle is right that S$1M is not enough especially for those who do not have any income in their retirement. Yes, you can sell tissues and wash airport toilets till you drop if you need to feed yourself, if you don't, you belong to the lucky ones. Those who passed middle age and failed to have any retirement plan, are already in deep ****. Learning to manage your finance is the only way to avoid selling tissues and washing airport toilets till you drop. Good luck!