Letter: Steer your own twilight ship

The reality of getting older, when the highlight of your day is feeding the pigeons in your back yard, is sad but true (''For many, old age has nothing to recommend it", Friday). At a wealth summit I attended last year, I learnt that only 2% of South Africans are ready for their retirement.In a conference room of 150 people, only three women raised their hands to indicate they were financially independent of their spouses.