No one can work until die. Everyone want a happy life after working for a long time. Unfortunately 90% of elderly people cant stop working due to lack of retirement fund. If you are an employee. It’s legally to have a security and provident fund automatically prepared for your retirement. Depend on what salary you have when you retire you will gave that fund for living. However, with 2 combined it not enough for a good quality of life. So, you need a planning adding a retirement fund by savin...