Hi Anon, I believe this question should be answered by Mr Loo himself, since he probably had many people asking him similar questions, but here is what I think: To be able to use CPF as a way to be a multi-millionaire requires a significant amount of discipline and fortitude. When you put money into CPF, you are essentially deferring your spendings into the future. As simple as it sounds, Mr Loo is right to point out that "It is not easy". Many people would choose, consciously or otherwise, to use their earnings on "things" that give them pleasure right now, or at least in the near future. And these "things" generally have no value in the future. Some examples pointed out by Mr Loo are a nice restaurant meal, a vacation, a nice car, and even a nice condominium. Unless these expenses are able to generate a return on par with what CPF gives you, you will lose out in the future. Another main criterion for 1M65 to work, as pointed out by Mr Loo, is to be healthy and working in your early years. If anything happens to you, and it cripples your ability to earn a stable income, your 1M65 plan will be in jeopardy.