I was talking to my friends in 50's who were both wrapped with retirement scare. In the past when the market was good and they were young, they did all their best to help their families. "All for families, nothing left for self," they said. It is only now that they are in the insurance business that they have realized the importance of having a retirement fund. I can feel them 100%, as I must admit that I thought I was Wonder Woman in my younger years, I gave it all to my family and I left nothing for myself. All I thought of was I could handle it all and in case bad things happen, I could manage. But things, sometimes, get out of control as we have limited time and only one body. We need the right support system and we cannot handle all alone by ourselves. What could I save when what I could earn was not even enough to meet the needs of my sickly parents, jobless husband (first 4 years of marriage), three (3) young children and a household helper? Fast forwar...