Petunia and Wang Li are best friends finishing their university degree at the same time. They have studied the same course, and hence will be working in the same industry, earning the same salary. At age 21, they both plan to retire at 70 with a superannuation payout of at least $1.5 million. Wang Li loves to party, and so he intends to use his money to have a good time until he is 30 years old. He then intends to get serious about planning for his future by making personal contributions into a superannuation fund. Petunia believes her best chance of reaching the goal of at least $1.5 million is to start personal contributions to a superannuation scheme as soon as she has a job, so she will be able to grow flowers when she retires.
