What if someone’s only retirement plan is CPF and a small savings account, is that enough in today’s cost of living?

I always think about b4 65 y/o finance by what (since cpf cannot take yet) or even if can take at 55 y/o (lump sum) - whether enuf to last for 10 years.

Should be enough. Singapore is notoriously low-cash, CPF-rich. Most survive like this. Just need to budget and track with discipline and should be fine.

If simple lifestyle with no travelling, it's good enough

It depends on your lifestyle & whether there's other passive inc