Retirement is a real predicament. I have 4 years to go then I must retire from my current job. I am in a good position at the moment, as I am practically debt free, which I would say is a must before retirement. I am however also afraid that I might not have enough. Unfortunately, I don't have 30 years for my HBD to grow, but at least I do have some, and also the daily crypto income, which could close some gaps. Here in South Africa we have the problem that the value of the Rand is just going down, making things more expensive daily!! Health care is also very expensive, although one can get for free, but it is really not a good, thus most people who can afford it goes with a private medical aid!!