KNN, still dare to admit that you are still in the working force at 48 years old.  Don't you know that your career opportunity has already reached EOL?  Give the youngsters a chance lah.  Very pitiful still having to slog at 48.
Be like me, carefree, no debts and more than a million in my bank accounts, and millions more if coupled with my 3 fully paid properties which are giving me monthly passive surplus incomes, not to mention a few hundreds of thousands more in shares and equities giving me not less than S$18k in dividends annually.  I can KKYLP which you can't.