"Retirement is when you stop sacrificing today for an imaginary tomorrow."Naval Ravikant Key Takeaways Savings targets grow over time, due to inflation increasing the cost of living Based on current EPF balances and median salaries, most Malaysians, when they reach the age of 60, will achieve the Basic Savings Level but not necessarily the Adequate Savings Level target Increasing the EPF contribution rate or dividend rate over decades can significantly improve outcomes Individual Malaysians should think about increasing EPF contributions,…