Welcome back to Rent, Rice and Rainy Days. I am Farah Zulkifli, and this week's question is one I hear in my office more than any other, though almost nobody writes about it. A listener working in Singapore sends half of every paycheque to her family in Penang. She loves them, she is proud to do it, and she has not saved anything in four years. If that sounds familiar, this episode is for you. We will work out an amount you can sustain for a decade instead of one you resent by December, look at insurance as a quieter way to support ageing parents, and talk about how to have that conversation at the dinner table without anybody feeling judged. It is a gentle episode, but there is maths in it. You are listening on Witspeak Podcasts.