Having 1 million or 4 million by age 65 seems like a far fetch dream for many, but kudos to Mr Loo for making the 1M65 and 4M65 concept mainstream! Having seen countless of his talks, this SeedlyTV S2E08 feature is still as refreshing as ever. Here's a few of my key takeaways for my retirement: 1. Aiming for OA to cross 30k at the soonest, and thereafter to invest the excess OA sums (above 20k) in the S&P500 via Endowus. I strongly believe over long term/decades, the returns should be higher than the guaranteed 2.5% on CPF OA. This could also mean having to forgo property payment using OA, and essentially buying a roof that I can reasonably afford (or in other words, HDB). 2. To hit 130k in SA (preferably by 30) and letting the 8th wonder of the world/compounding work its magic. Although the transfer from OA to SA is an irreversible transaction, this short term pain will be long term gain. This forms a baseline safety line for my future retirement needs, which will definitely grow beyond 1M65 if CPF contributions continue to flow in via employers and self top-up. 3. A happy wife is a happy life. This movement accounts for a couple's journey into retirement together, so hopefully my future wife will be supportive and buy into this strategy as well. Financial matters could be contentious in any family, hence having someone who sees eye to eye on financial planning is a huge plus. Truth to be told, the only contribution to my CPF has been via my employee thus far. So instead of purely topping up my parents' accounts for tax deduction purposes, I could be looking into doing some self-top as well. Thanks Mr Loo and Seedly for the insightful session!