Exactly, you might say they cannot afford to live in Thailand. I have friends in England who were Billy big <deleted> when we were younger, earning loads & spending loads. Never saved to pension. They still work into their old age because the state pension isn't enough & they have no other income. Remember cash is king, its not, put it into pension & reduce your tax bill whilst saving for a guaranteed income for life. Cash reduces in value by half every 10 yrs.