As I sat down at the recent CPF Volunteer Appreciation dinner 2025 to reflect on the journey that has brought me to where I am today, I am filled with gratitude for the financial tools and resources that have helped me navigate life’s financial challenges. One of the most significant influences has been the Central Provident Fund (CPF), a system I have benefited from and now actively promote as a volunteer. My story is one of learning, growth, and resilience, which I hope will inspire others to embrace financial literacy in their lives.

Nearly three years ago, I began volunteering for CPF. They discovered me through my blog, “Minimalist In the City,” where I first shared my experiences as a CPF speaker. The CPF system, rated as one of the best pension schemes globally by Mercer in 2024 , has provided me with a