Have u encounter situations like this??

[Leongsam]

If lose job tomorrow, u find me in Bedok Reservoir!

Which is exactly my point. That's why you should make every effort to generate sufficient wealth to the point where your passive income is equal to your current salary. That's how you secure your current standard of living for the long term.

You can easily work it out. Assume a 4% return on your assets so every million $ to your name yields $40,000 per year.

To yield $120,000 per year ($10,000 per month), you therefore need $3 million at 4%. (This excludes the home you live in as it yields nothing while you're living in it).

You say you're already halfway there so it shouldn't take too much effort to complete the race.