I believe my readers can become a CPF Millionaire too, if we plan and work towards it.
Here are my thoughts about using the CPF depending on which stage of your life you are in.
If you are just starting out (in your 20s and early 30s) and you need a roof over your head, just go ahead and use it as the down payment for the flat or condo. After all, you need all the cash you have for renovation and to start a family.
When your career becomes more stabilized and take home more pay as you progress through the corporate ladder (30s to early 40s), you should start using cash instead of CPF for the monthly mortgage payments.
When you are at the peak of your career (early 40s to mid 50s)