Reader, Spotlessmind, says... Discovered your blog a couple of months ago and found it both inspiring and educational. Having read varied opinions on the topic of CPF, I felt compelled to share my thoughts. Since I started working after graduation, I have been transferring all my money in the OA account into my SA account on the advice of my mother, who despite having only pre-university education, knows the power of compounding interest. Many of my friends (regardless of whether they are single/attached/married) worry that they will not be able to afford a flat in the future if the money in the OA is transferred to SA. There is always a big "what-if" hanging over their heads. On the other hand, I thought that I would remain single forever and thus would not need to buy a flat. I will cross the bridge when I get to it. So, I simply kept transferring ......