From the time we start handling money as children until the day we retire, we are constantly extolled to save money. Put some aside for a rainy day. Every penny counts.

One of the things many people hope for today is that when they stop working, their retirement will be a comfortable one at least in terms of paying everyday bills. The foreign travel or golfing everyday will be the icing on the cake so to speak. Many people of my parent’s generation had the benefit [...]