I’d say my biggest worry is not saving enough. I use a simple spreadsheet to keep track, it makes things feel a bit more under control.

No money especially for medical..

Being irrelevant and not enough for medical expenses as you grew older.

My biggest anxiety is how to make sure I could spend as much of my assets as I grow old without "overspending" before last days for me & my wife. ...Since we don't have dependents to pass through to.

Now would use spreadsheet to track expenses on monthly basis, and overall investments. Bank app to track overall assets since they could gather data from various places like CPF, CDP, Insurers... etc.