I know, but you see your statement above sounds more like a consolation. In the other thread, PNGMK was talking about CPF annuity and stuff. Imagine, you worked 2 extra years, yet retiring at the same age, how much your corpus increases.Barnsley wrote: You work a long time mate , whats with the rush to join the daily grind?
2 years doing something completely different probably good for the mind also.
Ultimately what is two years in the context of a working life , dont get so hung up on money.
Look at it this way. If were a given a choice, do NS or dont do NS, which one will you choose, if there were no penalties. You have your answer.