Hai,  I really have a good bonding about retirement things since I'm in my late 20's and encourage others to talk about this. For me, planning retirement in Malaysia always under construction to do better until I achieve a good amount. Previously I thought, "Oh maybe Rm 1,000,000.00 is okay". But when I keep up with financial knowledge and hurt facts I need more than that. Basically I want my next life is fully comfortable and maybe sort of semi-luxuries. So how much Ringgit it will apply? After few articles and YouTube Video, my amount keep changing. Then, I met the real core to it. Inflation! Yeah, we always hit by it and let's face that bravely. What is inflation? Inflation is increase in price of goods and service in economy. So, when there is any shortage, boycotts or war then increases demand and price hikes it will led to inflation in purchasing values. Likes 1 cup of tea in 1990 maybe only Rm 0.50 but in 2020 around Rm 2.00, then how about in 2030? Maybe R