I penned the lyrics to this song with people in the 30s/40s in mind. It's sad to see many elderly retirees in Singapore today struggling with financial inadequacy, having to take up odd jobs to provide for themselves a livelihood, because they ran out of savings early in retirement. The situation will unlikely improve - we are living longer, having even fewer babies, and the budgetary burden on the nation is growing to provide social security for the elderly in the next 30 years, which is when those in the 30s/40s today will be in retirement. I wrote the lyrics partly in jest of our plight in spite of our economic situation, but more importantly, for everyone to take action: 1) individuals to take ownership and not depend on the government, and save for our own retirement 2) the government to provide better schemes and instruments to accumulate wealth for old age, e.g. the LRIS 3) financial institutions and financial planning practitioners to create awareness and help them design strategies and take action to achieve retirement security via holistic financial planning It is possible to accumulate $500k with a 25-year time frame using CPFSA @ 4% with $60k income P.A with 10% top-up. That would provide at least a basic standard of living by then...