Hi,I am already approaching 39 very soon.I am leading a very balanced life right now.Spending time with family and finding the time to exercise.In addition I have time for personal development i.e. Reading widely on whole range of topics that interest me.But I need to emphasize I live a simple lifestyle.HDB and driving 1.5l japanese car.Therefore I don't need a lot of money.The place I am staying is fully paid and my child's education is provided for sufficiently.Having said that I was pretty sharp and decisive with investments taking bit of risks along with them.But I was proven right most of the time That is why I am able to retire from full time fixed salary work before the age of 40.