The X-Curve Concept tells us that a person’s responsibilities generally decrease and wealth increases over time. At the onset of our work life, we have big responsibilities e.g., food, clothing, shelter, education, health, debts/loans etc.
Generally, when we gets older, our responsibilities should have decreased if not zero out. What if we live too long? Would we still be working? Do you still see yourself working at the age of 65? Or would you rather view yourself living on interest i.e., money is working for you?
Would not it be helpful if you learn and start investing now while you are still earning? Or would you choose to leave your retirement life to your children, SSS, or GSIS?
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