This chat happened after I shared again a blog on a reader's intention to top up his new born's CPF SA account (see related post #1 at the end of this blog). Reader says... Imagine if it works... put 171k at age 0, get 2.18mil at 65, that's 2 mil from the government. AK says... Haha... it is very amazing. I know Reader says... The figure makes me think that there's something wrong with my calculation. AK says... If you have money to spare, i think it is ok to do it. It is legacy planning. I dunno about the hazards related to character building tho... Reader says... I think a graduate can easily earn 5mil in their lifetime. But if their habit isn't as strong by the time they found out abt their SA account, I'm afraid they have no desire to work hard ......