PLAN
QUESTION 1 / 5How old are you now?
Let's begin with the one number that cannot be replaced: time.
Life expectancy — WHO/NSO ~2024 averages. Not a promise; it sets how many years your money must carry you.
COST OF WAITING 5 YEARS
Starting now vs waiting 5 years: base-case capital differs by ~฿146K — closer than you think, yet it usually feels too late.