I work for 2 years only, and I also save around 40K++ (from employment) with lesser CPF as compared to you. I also spend unnecessary amount of money on misc stuff. But is never to late to change your spending habit. you are around the same age as me, so still got enough time to catch up. You should be able to hit 100K target (most common goal for people under 30) before 30 years old.

jia you!

You can follow me on my blog as I will report my progress in reaching my goal

://jyklmoneyblog.blogspot.sg/