If you have made up your mind to retire early ( before 55 years old ), please make a preparation for it.

1. Make sure you have your SAVING BEFORE your RETIREMENT, at least one year saving.

2. Your CAR LOAN is SETTLED. 

3. SETTLE your PERSONAL LOAN. The only loan you have to pay is only your house loan. If you bought a house ler.

4.  Put your money ( gratuity + saving +......) into your few accounts. I'm afraid if you put all your money into one account, you'll always think that you have lots of money. And that's not good because you'll just spend your money without planning.

Four accounts ( for example ):-

a. Fixed deposit / ASB -  it's for your long term saving. Don't forget. After one year, you must pay "zakat simpanan". But don't worry. You will get your bonus from your one year saved.

b. You won't get your pension until you're 55 years old ( your birthday ).  So this is very important. You need one account  to withdraw the same amount every month ( on 1st January, 1st. February, 1st. March, 1st. April,........). It's like receiving your salary. Don't withdraw more or less. If you have extra at the end of the month, buy something that you like. Remember, WITHDRAW SAME AMOUNT MONTHLY. Oh ya. Please do a budget first to set the amount.

c. Another account for emergency and insurance.

d. One more account for your travelling expenses. Yup, it's a gift for your hard work. 

Good luck!