Why i can't save

When you are 18 to 25 yrs old:
" I really CAN'T SAVE lor. You know why or not? Cos hor...i just started working mah. I have limited income. Then my expenses high cos hor...i go zouk...and i really like that prada bag alot. Young better enjoy first, before i grow old cos if old, how to enjoy! Enjoy finding dentures only can? Then now COE drop, i need to save for a car, then i can cut down on travelling. Yah i agree car is ex lah, but then downpayment i pay little, other month i installment i pay bit by bit lah. When my income higher, then i will start saving lah oki?"

But when you hit 25 to 35:
"That time i tell you i get a car right? Now i got road tax, instalments, maintence, etc. I really CAN'T SAVE lah. I barely can breathe leh. Recently i get married. My children just born yet. I need to spend on those nappies, milk because my wife say no to breast-feeding, she said she rather leave it to the cows. I promise you, wait until i am older when my burden is lesser, then i will start to save."

And the golden age of 35-50:
"Its been 20 years since we first met. My children are all grown up. The elder one going to SMU and the younger one to NUS. They really need my financial support. This is the most crucial. I need to do my best to provide for them. So very sorry, i don't have money to SAVE. In fact i am quite broke nowadays. This is the worst period of my life financially. You know the mercedes ad which says:" when you are in your prime, you get a benz" I always wonder how come i can't get it. "

Twilight zone 50-60:
" I can't save. I know i should have saved when i am young but i can't make it. My age, who, other than mc donald, will hire me? Old and useless lah. CPF? every month they give me a payout of $200. So small, eat also got problem. You know the chicken rice cost $2 that time? Now..its $20!! I know inflation, yet i can't do anything. Save? Cannot lah...can't even eat how to save?"

Soon to hand over ic, above 65:
"Save?! Are you kidding? hohoho. I soon give IC already leh. Save also give Government in the end. Ask my children burn more hell bank notes lah. I try to save below."