In the formulation of the 4 x $400K Financial Relay, I am mindful of 2 provisos:(*Not accounting inflation) A solid base that serves as the foundation so as to pursue investing without much apprehension. It revolves primarily with attaining prevailing Basic Healthcare Sum (BHS) and Full Retirement Sum (FRS) for Medisave Account (MA) and Special Account (SA) respectively. Atypical to any 4 by 100m relay, this 4 x $400K financial relay is not a sprint but an enduring jog, albeit it still requires great chemistry and collaborative passing of the baton. This jog is scheduled to end by the inaugural Retirement Account (RA), purposefully set by CPFB at the age of 55. S - The first runner sets the pace, and with SA past FRS thankfully before hitting 35. Simply, even without future mandatory contributions (MC) from employment or voluntary contributions to all 3 CPF accounts...