It is once again the time of the year when I review the good, the bad and the ugly of the year.

Pleasantly surprised when I did the maths on my outstanding HDB loan vs my CPF-OA account. The government gave me a nice gift of $3000 in my CPF-OA and $2000 in my CPF-MA for my outstanding contributions towards defending our nation.

You might remember my stand on HDB loan if you have read my previous posts. I’m not a big fan of voluntary top-ups and OA-to-SA transfers for reasons of my own.

I bought my HDB apartment in 2011 and cleaned out my CPF Ordinary Account. Six and a half years later, I have hoarded enough money in my CPF Ordinary Account to make sure that I have enough in my CPF-OA to service all the remaining monthly payments, even if I stop working now.

I have nothing …