If you have accumulated the Full Retirement Sum (FRS) in your CPF SA before the age of 55 years old, what does that milestone mean to you? How should you look upon that in your planning for your financial independence? A very common question I will get is: “Kyith when I reach 65, how much will my CPF be then, and what will be the income I get? Is it enough for me?” You know… this problem can be easily solved if CPF provides a calculator so that my 35-year-old friend can put in his resources today (let us be “kind” to the CPF people and not include any additional money from work) and find out what is his projected CPF LIFE Income at 65 years old. But there isn’t such a calculator. Sometimes I worry one of our advisers will go to the CPF office with a parang knife because they pulled a CPF LIFE calculator that works perfectly fine....