We all have to work to earn a living. While we are strong and healthy, we can do almost anything to earn more income. But what would happened when we are getting older ? Unless you are Bill Gates, then I think you'll be fine. But what if you are just a clerk or low rank officer in your company ? Do you think your EPF will last forever provided you do contribute to epf. What if you are selfemployed ? According to epf statistic, 80% of contributors who withdraw their money at age 55, end up finishing it in three years. Then they have to join the work force again to earn a living. According to another statistic, 27% of retirees were unable to do the things the like due to financial constraints. 42% confident they have enough to cover all their ertirement needs. 67% says that their main source of income come from their children. 44% already eroding into the principal of their savings. 37% not confident of having enough to last and plan to return to workforce. In which category you are in ? Now is the time to do something, make a move now. Do not delay. You keep on asking, when should I start to save I heard. The answer is yesterday.