It's not about "being there and done that" kind of issue.

Now you are probably trying very hard just to earn $12k from your trading when this amount is just the employer contribution into your CPF.

When you fall sick, I bet you will try and self medicate to save that few dollars when you could have just walked into a clinic, get your medication and MC.

As you are only 46, there is a lot of more of life experiences yet to come. Some of which will eat away a lot of your savings.

If you still have marketable skills, my advice to you is to quickly get back into the workforce before it is too late.