There's no excuse not to invest and plan.
Planning for retirement doesn't have to be complicated. All you have to do is spend less than you make and invest the difference for the long-term. That's it. I know you are thinking that's easier said than done, but start small.
Is Pattaya's reputation now completely undeserved?
In many ways, it's like nightlife doesn't exist unless you specifically go looking for it. There's no doubt the industry is dying.