There are some things in life that you only miss when they are no longer around.

Health is one of the first things that comes to my mind. And the next is “nagging” loved ones who are no longer around. (A big shout out to my deceased mother.)

And of course, there is the case of my “missing” Central Provident Fund (CPF) contributions.

From Employee To Freelancer

It’s been exactly a year since I have made contributions to my CPF accounts. The transition from an employee to a tutor has been largely smooth but something that is still bothering me and a little “painful” to face is the lack of CPF contributions.

There is generally a lot of vitriol regarding CPF contributions. Due to the employee’s share of 20%, many often see it as a 20% tax on their income. But people often forget that the bulk of or even their entire mortgage is ...