Work Till You’re Old, Die With a Balance, CPF Grows While Singaporeans Struggle to Breathe

Shernice軒嬣 2000

📣 CPF “Reform”: Work a Little More, Own a Little Less, Retire a Little Later~

Of course, they don’t say it like that.

They sprinkle fairy dust instead:

✨ “Enhancing retirement adequacy”

✨ “Future-ready planning”

✨ “Stronger golden years”

Aww. So sweet.

Now let’s gently peel the wrapper. 👇

🔺 More of your pay goes into the “see-you-at-65” box

🔺 Wage ceiling raised (hello, $8,000 👋)

🔺 FRS keeps growing like it’s on steroids

🔺 Touching your money? Please wait patiently till 65

🔺 Take-home pay today? Slightly… thinner 🥲

⸻

Meanwhile, in real life:

🧾 Bills: 📈

🍚 Groceries: 📈

🚆 Transport: 📈

⚡ Electricity: 📈

🏠 Property prices: sky-high (Toa Payoh 3-room, $930k 💀)

💸 Mortgage: forever subscription

😰 Job security: fragile

📉 Real income: shrinking

And they smile and say —

“Don’t worry! Your CPF is growing!” 😌🌱

Your wallet though?

🪙 Crickets.

Your freedom?

🔒 Safely locked away.

Your future?

⏳ Please hold.

⸻

This isn’t retirement planning.

It’s financial tough love with a glitter filter 💔✨

The finish line keeps moving…

and you’re still running —

on fumes.

So yes —

working harder, owning less, retiring later.

Not by accident.

But by design.

Sweet words.

Hard truths. 🍬➡️🥀

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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So sweet.</p>\n<p>Now let’s gently peel the wrapper. 👇</p>\n<p>🔺 More of your pay goes into the “see-you-at-65” box</p>\n<p>🔺 Wage ceiling raised (hello, $8,000 👋)</p>\n<p>🔺 FRS keeps growing like it’s on steroids</p>\n<p>🔺 Touching your money? Please wait patiently till 65</p>\n<p>🔺 Take-home pay today? Slightly… thinner 🥲</p>\n<p>⸻</p>\n<p>Meanwhile, in real life:</p>\n<p>🧾 Bills: 📈</p>\n<p>🍚 Groceries: 📈</p>\n<p>🚆 Transport: 📈</p>\n<p>⚡ Electricity: 📈</p>\n<p>🏠 Property prices: sky-high (Toa Payoh 3-room, $930k 💀)</p>\n<p>💸 Mortgage: forever subscription</p>\n<p>😰 Job security: fragile</p>\n<p>📉 Real income: shrinking</p>\n<p>And they smile and say —</p>\n<p>“Don’t worry! Your CPF is growing!” 😌🌱</p>\n<p>Your wallet though?</p>\n<p>🪙 Crickets.</p>\n<p>Your freedom?</p>\n<p>🔒 Safely locked away.</p>\n<p>Your future?</p>\n<p>⏳ Please hold.</p>\n<p>⸻</p>\n<p>This isn’t retirement planning.</p>\n<p>It’s financial tough love with a glitter filter 💔✨</p>\n<p>The finish line keeps moving…</p>\n<p>and you’re still running —</p>\n<p>on fumes.</p>\n<p>So yes —</p>\n<p>working harder, owning less, retiring later.</p>\n<p>Not by accident.</p>\n<p>But by design.</p>\n<p>Sweet words.</p>\n<p>Hard truths. 🍬➡️🥀</p></body></html>","htmlText":"<html><head></head><body><p>📣 CPF “Reform”: Work a Little More, Own a Little Less, Retire a Little Later~</p>\n<p class=\"t-img-caption\" style=\"display: flex; flex-direction: column; align-items: center;\"><img src=\"https://community-static.tradeup.com/news/187bafaa165f920d5329e3a13fd4ab8f\" tg-width=\"960\" tg-height=\"885\"><span></span></p>\n<p>Of course, they don’t say it like that.</p>\n<p>They sprinkle fairy dust instead:</p>\n<p><br></p>\n<p>✨ “Enhancing retirement adequacy”</p>\n<p>✨ “Future-ready planning”</p>\n<p>✨ “Stronger golden years”</p>\n<p class=\"t-img-caption\" style=\"display: flex; flex-direction: column; align-items: center;\"><img src=\"https://community-static.tradeup.com/news/ec57b16736e9f6545970ae3889a831bc\" tg-width=\"868\" tg-height=\"806\"><span></span></p>\n<p class=\"t-img-caption\" style=\"display: flex; flex-direction: column; align-items: center;\"><img src=\"https://community-static.tradeup.com/news/a77f24acf651c7e126c9c397f8476eb0\" tg-width=\"873\" tg-height=\"1463\"><span></span></p>\n<p>Aww. So sweet.</p>\n<p>Now let’s gently peel the wrapper. 👇</p>\n<p>🔺 More of your pay goes into the “see-you-at-65” box</p>\n<p>🔺 Wage ceiling raised (hello, $8,000 👋)</p>\n<p>🔺 FRS keeps growing like it’s on steroids</p>\n<p>🔺 Touching your money? Please wait patiently till 65</p>\n<p>🔺 Take-home pay today? Slightly… thinner 🥲</p>\n<p>⸻</p>\n<p>Meanwhile, in real life:</p>\n<p>🧾 Bills: 📈</p>\n<p>🍚 Groceries: 📈</p>\n<p>🚆 Transport: 📈</p>\n<p>⚡ Electricity: 📈</p>\n<p>🏠 Property prices: sky-high (Toa Payoh 3-room, $930k 💀)</p>\n<p>💸 Mortgage: forever subscription</p>\n<p>😰 Job security: fragile</p>\n<p>📉 Real income: shrinking</p>\n<p>And they smile and say —</p>\n<p>“Don’t worry! Your CPF is growing!” 😌🌱</p>\n<p>Your wallet though?</p>\n<p>🪙 Crickets.</p>\n<p>Your freedom?</p>\n<p>🔒 Safely locked away.</p>\n<p>Your future?</p>\n<p>⏳ Please hold.</p>\n<p>⸻</p>\n<p>This isn’t retirement planning.</p>\n<p>It’s financial tough love with a glitter filter 💔✨</p>\n<p>The finish line keeps moving…</p>\n<p>and you’re still running —</p>\n<p>on fumes.</p>\n<p>So yes —</p>\n<p>working harder, owning less, retiring later.</p>\n<p>Not by accident.</p>\n<p>But by design.</p>\n<p>Sweet words.</p>\n<p>Hard truths. 🍬➡️🥀</p></body></html>","text":"📣 CPF “Reform”: Work a Little More, Own a Little Less, Retire a Little Later~ Of course, they don’t say it like that. They sprinkle fairy dust instead: ✨ “Enhancing retirement adequacy” ✨ “Future-ready planning” ✨ “Stronger golden years” Aww. So sweet. Now let’s gently peel the wrapper. 👇 🔺 More of your pay goes into the “see-you-at-65” box 🔺 Wage ceiling raised (hello, $8,000 👋) 🔺 FRS keeps growing like it’s on steroids 🔺 Touching your money? Please wait patiently till 65 🔺 Take-home pay today? Slightly… thinner 🥲 ⸻ Meanwhile, in real life: 🧾 Bills: 📈 🍚 Groceries: 📈 🚆 Transport: 📈 ⚡ Electricity: 📈 🏠 Property prices: sky-high (Toa Payoh 3-room, $930k 💀) 💸 Mortgage: forever subscription 😰 Job security: fragile 📉 Real income: shrinking And they smile and say — “Don’t worry! Your CPF is growing!” 😌🌱 Your wallet though? 🪙 Crickets. Your freedom? 🔒 Safely locked away. Your future? ⏳ Please hold. ⸻ This isn’t retirement planning. It’s financial tough love with a glitter filter 💔✨ The finish line keeps moving… and you’re still running — on fumes. So yes — working harder, owning less, retiring later. Not by accident. But by design. Sweet words. 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