Most of my income is going into food as it is getting expensive and even the cooking gas rate is nothing to write home about. This is why I am not depending on my pension to achieve anything. Making the right investments as I work is key to what I want to achieve in life.The only pension that I trust here is the government's pension which is only $200 monthly as the maximum. Obviously that cannot be sufficient for a middle class like me even if I am frugal and simple in living. Food is getting expensive every year and in a few years the pension will be worthless.I am fortunate that I have some savings to tide me over when the pension is consumed. How about you, have you prepared for that situation when you cannot work anymore that could you maintain your standard of living?