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If Covid-19 lockdown simulates a trial-retirement 1 or pretirement 2. Question 1. Is it the retirement lifestyle you are expecting? Yes or no Question 2. At what age do you wish to retire? – Financial Freedom Age (1FFA) A. <45 B. 50 C. 55 D >60 Question 3. Until what age do you think you would live? – Farewell Age (2FA) A. 60 B. 70 C. 80 D. >90 Question 4. What type of desire (retirement) lifestyle do you wish to have? How much would be the monthly expenses for that? – Desire lifestyle Income (3DLI) A. <3k B. 3 to 5k C. 5 to 8k D. >8k Question 5. If you are retiring at the age of FFA (answer of Question 3) and live until age of FA (answer of Question 4). With the lifestyle expected monthly expenses of DLI (answer to Question 2) amount. Total retirement or financial freedom fund 5FFF, you need at retirement age is DLI multiple 12 months multiple (FFA minus FA) years = FFF. [*assuming a) your net worth at the moment (excluding personal used asset), 4NW multiply PUA = 0 b) saving interest rate = inflation rate; monthly you may need to save = FFF ÷ (FFA minus current age) ÷ 12months = 6SS surplus saving] Question 6. You may need to save SS monthly or 6.1 scale down your retirement lifestyle 6.2 work longer 6.3 create an extra source of passive income.