Reader #1 says... I have decided to use cash, $10K annually for 18 years to top up my non-working spouse's CPF SA. She currently has only $10K in her CPF SA. In this way, she should be able to meet the minimum sum by the age of 55 and join the CPF Life. 10K annually will be the minimum top up and will be around $280K by the time she is 55 if my calculation is correct. Any extra will be bonus. We are not very well-to-do, so we hope that with both of us on CPF Life, we will not burden our children when we aged. Just like to thank you for sharing your thoughts/talking to yourself on the CPF system, so that we can better understand it! And thank you for taking your time to reply me with the link. What u are doing is truly out of good will. Good karma for good hearted people! 善有善报！????...