[Blasterlord2]

I was talking to friend who work in credit counselling

There are several factors for people to get jnto finanical trouble.

One is becoming jobless. People start using their credit cards but cannot get job for too long. By the time they get a job the debt is quite big or the fiannces are destroyed and they still cant find job. They arw often advjsed to sell homes or ask relatievs for help to avoid bankruptcy.

The other one that surprise me is scams. This is also related related to joblessness.  They lose their jobs try to find way to make income. Scammer target them by either ecommerce or trading scams.

Anyway, people say alot of things but truth is above age 45 very hard to get a job that has same pay. You may get one with substantially lower pay. Lots of issues because of higb financial commitment and high cost of living. 

The habit of some singaporeans is to trivialise  the problems of others so lkng as they themselves are okay.

This is a world-wide problem and it's very difficult to solve. Companies dun want to employ older people because maybe they are asking for higher salary and they're not so adaptable.

What's your solution to solving it?