As we enjoy our holidays and reflect upon our successes in 2015, please do spare a thought for the billions of poor people and children all over the world especially those in Africa and developing Asia. We are very fortunate to be in Singapore. We sometimes argue over things like where to go for holidays, which restaurants to go, which 5 star hotels to stay in, etc while billions worry about their next meal.

In this forum, we like to compare how much money we make, how much we save and how rich we are. Some even say they don't have enough even with a net worth of $5m. Rather than spending their time looking after the poor, these people would still want to earn more and more.

Those of you out there, if you have achieved financial independence, please retire and devote your time to take care of the poor and destitute. There are billions of people crying for you to make a small difference in their life. Don't pretend everything is fine. Humanity needs you!