Does 100k by 30 include or exclude CPF? What is your own personal goal?

Could be Cash Worth or Net Worth, could be 100K in CPF. To each his own

I think it would depend on your personal goals; some may see it as a net worth of $100k (which includes cash, investments, properties etcetc), whereas others see it as $100k in accumulated disposable income. I believe it matters less what others say, but instead consider your personal circumstances and set that definition yourself, hope that helps! :)

A similar question was also posed here: https://seedly.sg/questions/when-people-mention...

No right or wrong here, but most articles I came across include CPF. Afterall, CPF is also your money.

Another reason is also because most people will include stocks and bonds as well, as part of their 100k.

Cheers.

- Jeffrey (jeffreyleezq.com)​​​

Exclude CPF.
My goal: $500k by 40, totally possible for a 9-5 office boy.

Totally possible. Just work non-stop, when people work you work when people rest you work. Then use the money you earn to invest.

Do i need that $$$, not really. just to challenge myself and see how far i can push myself. Just do it for fun.