Challenges           

A plan is merely a plan.  Nobody knows what would happen the next minute not to mention what the society would become in years down the road.  There are limits to what I can do in all the aspects of finance, lifestyle and emotion.  With my current income, there is a limit for me to save.  The average female life span is 86 years.  Whether I can manage my finance well through out my old age is a question.  There is no guarantee serious illness will not fall on me.  Old people get conned or cheated are commonplace nowadays.    Maintaining long-term contact with respectable and trustable relatives and friends need consistent efforts from both sides. All these are just some of the barriers/problems which I have to clear/minimize in order to get my plan works.   How to ensure the plan works is my challenge. 

I regard the challenge to get the old age plan works as a plus point because it gives me directions, and with those directions I can lead a more meaningful life.