Couples who have "dual income, no kids", or DINKs, tend to put retirement planning on the back burner until they are in their 40s compared to couples with children who usually start thinking about retirement in their 20s or 30s, financial experts said. Four times a year, Ms Tania Ong and her husband, both 34, go overseas for holidays in the region, always picking to fly for Singapore Airlines over budget airlines. She estimated that they spend more than S$12,000 a year on such trips. The