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

As your question mentions, if the only retirement plan is CPF and small savings, your only option is to cut back and live simply within what you have every month.

​

But if you still have a few years before retirement, try to invest what you comfortably can, to grow it as best you can.

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