When I first started working in my late teens earning S$6 an hour, it irked me tremendously that I only took home S$4.80 for each hour I toiled at the retail store as a salesperson. Teenaged me did not like the idea of locking up 20% of my income at all and certainly couldn’t see the relevance of CPF. That was half a lifetime ago and these days, logging in to my CPF account just to admire at my accumulated savings over the years is actually something I do from time to time. Well, as much as there is to admire anyway. I may be in my mid-thirties now, but I’ve been predominantly self-employed for most of my adult life and only started paying myself a salary around 2019. As a result, my CPF contributions span only about five to six years so I probably don’t have as...