How are we singaporeans ever going to retire when we want to have kids? Having kids will already set our retirement age back by 15 years! It is just so depressing.

Wrote a reply but tagged as promotional spam - honestly dunno why. Honestly, I think if one wants to have kids they cannot think of 'how they are ever going to retire', instead they should think of how to finance it... i.e. see the solution instead of magnifying/focusing the problem.

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I know many many couples who do not earn much. But yet they can afford to have children, they also share tips and tricks with me, to manage living expenses and I am very amazed with their ways of managing compared w higher income parents.

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Like we are taking care of our elderly parents - like myself - my parents both used to be in and out of hospital for more than 10 years - I have never thought that I cannot retire coz I have to spend medical expenses on them (they do not have medisave - low income, low education). I have never thought to move out and leave them on their own too. It's not becoz I can't choose (as they are already here), but really, I chose to take care of them. I know of many who chose to live away from parents due to the burden to care for them. I didn't expect them to be so sickly, but when they are unwell, I also face the challenge. We are designed to overcome not siam/avoid (and learn nothing).

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Likewise, children are our family, it's a choice. You can choose not to take up this challenge due to perceived hardship. There will always be hardships/challenges in life - no matter what choices are made. Siaming/Avoiding/Quiting is never the solution.

Hi, yeah with the rising cost of living in Singapore.. its really quite stressful thinking about retirement. i would say it is important to see what you value more. there are guides and tips on how to save for retirement that might help you. To give you the peace of mind, you can try out a retirement calculator as well and plan ahead.

Maybe see if you value retirement or having children more - it is a personal decision

船到桥头自然直 - When the boat gets to the pier-head, it will go straight with the current. Mindfulness helps but overthinking often leads you nowhere.