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RE: Can I afford to retire?

I, too, am employed. With the right mind-set, you can be wealthy!
Assuming that you have some amount set aside for an emergency fund... Just start investing a few dollars (or whatever currency you deal with) consistently in a stock (there are so many brokerage firms in Hong Kong), while you learn about stocks and bonds. Self-education is so important! A brokerage firm trades stocks, options, bonds, mutual funds, ETFs. And when you are ready, you can invest in several stocks. Choose stocks that have dividend reinvestment. There is so much to discuss. But determine how much to invest and start investing.
(I'm not a financial advisor.)
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