Not sure why there is so much concern over meeting FRS at 55???
Strange?
Some financial bloggers trying to scare others to follow them?
Auntie8888 is an ITC and started working as technician; and few years later she took up 5 year part-time Diploma and then promoted (or apply) to technical officer sometime later when there was vacancy for that post.
She resigned at 34 and became full-time unpaid maid with no Sunday off days (a job description from herself)
No more CPF contributions for the next 21 years and she still managed to meet FRS at 55...
