Anybody who has a job, a home and living in clean and safe S'pore can consider himself/herself lucky.

The only thing you should be concerned with is how to fund your retirement. In many countries, the governments are encouraging their people to work as long as they can. Australians are considering raising their pension age to 70. Americans are retiring later - 65 or more. Elderly Japanese purposely commit crime to get imprisoned so that they can get free meals as they have outlived their savings.

So be sure to save / invest and work as long as you can. Our garmen has already raised the minimum sum to $155K but that will only provide you $1.1K pm when you are 65. Just pray that they dont raise the withdrawal age to 70!