for a retirement plan, it is a personal choice i guess. if a person prefers to live in UAE, living expenses and financial health would require a higher amount of wealth for a retirement plan as living cost is high as compared to some other third world countries. i would say until early 30s, the best one can do is to settle in metropolitan areas like NY CA Abu Dhabi London or something like that. After the late 40s should have started thinking about the retirement plan.

it is only so you know how important it is to live in a good place rather than struggling and grinding in the third world

dont make much but only try to live in a better place.