Personally for me, my story is one of my own experience with my dad, a close family member. I have two main stories to share! 1. When my dad got brain cancer and activated his DPS (which gave him $56k right off the blocks: https://blog.seedly.sg/dependants-protection-scheme-dps-singapore/) 2. When my dad subsequently passed on and we got the CPF balance in a cheque/cash format, it really shows you the value and that the CPF money is REAL and not just a digit on a screen. However, encompassing this story, is the idea that while CPF is ultimately good for retirement, it is also important to live life while you can, because life is short! :) So don’t worry so much about your CPF monies, use what you can externally to work with your shorter term goals!