I see a lot of people here discussing on retirement. I don't understand why so difficult to retire? I don't see any problems retiring and I'm already prepared. My retirement plan is simple. I now own a 5 room exec flat which I paid up. When I retire at 65, I will rent it out for $4k pm or $48k pa. My wife and I will also get $1.2k each pm from our CPF life. So we get $28.8k pa. In total our passive income is $76,800 pa. We plan to retire in Malacca, so after converting to RM, we will get RM200k pa. We will retire in luxury with this amount of money. See, so simple to retire.