How to have enough to retire at 60s?

Three steps ....


Step 1: Manage spending


Step 2: Increase earned income and saving

Step 3: Compound investment return through either growth-dividends or growth-cash flow investing strategies. 

Don't be too focus on income-dividends strategies when we are younger. We may not be that good at re-investing for compounding gains. Sometime, it is better to stay invested with good stocks and let the Management do the job for us.