52, M. Retiring @ 55. Will collect $200k cash from CPF @ 55. Will spend $200k from 55 to 65. @ 65, collect CPF Life till death. Small apartment paid up. No debt. I am successful as I can retire @ 55. Many of my friends cannot retire @ 55 because they still have lots of mortgage to clear because they bought expensive houses and they spend a lot. I am a simple nobody. Happy.