We have to think what will happen in the future...now is always be nightmare for those people who too late to realize about financial planning. based on analysis, 70% of EPF holder finished their money after retirement within 3 years. we as young generation should think, how we can survive when time's come... the way is buy asset..robert kiyosaki said once, people a lot misunderstand what is asset, for him asset is stock, bond, and other types of investment because with that only you can survive.. so be wise in your life...