some retirement calculations ::

if you have 200k, it'll be good if you can invest in a property worth around 1 mil. rent it out and you'll be able to get back your monthly repayment rate plus a positive cash flow of around 4k a month. talk about investing.. eventually after 30 years.. the property will fully belong to you and you earn full 8k a month. ain't that great. you'll have enough for retirement!

time to save save save!!!