Nice insights, I agree with Yuan about having the family on your side understanding your retirement plan. But I'd go one step further, your family would also have to understand "plan B" if something were to happen to you, there should be an escalation plan in place when you pass away early or unexpectedly at some point. The last thing you want if you die is your family having to deal not just with your early demise, but also with the whole money side of things. Educate, plan ahead and make it last.