The trick is to start building up a large base for your CPF. That would make the compounding effect of CPF interest work in your favour. I hit over $100k in my CPF within 10 years of working while paying off my first home. Using that $100k as a base and assuming I don't contribute anymore to CPF, the compound interest had enabled me to hit my minimum sum, even if it were to be further raised.
You guys should stop cleaning out your CPF accounts just to settle your housing loan. Buy a flat within your means, contribute and quickly build up a large CPF base. Then sit back and watch compound interest work its magic. I would have lots of money to retire, and I think the monthly payout from my CPF can take care of easily 70% of my living expenses. Also, follow Minister Gan Kim Yong's advice about eating healthy and staying fit. It will drastically shrink your medical bills, which are often caused by binge drinking, overeating or getting too fat due to lack of exercise.
Most sinkies know squat about financial management. They are either too lazy to think, or too busy trying to please their bosses. They need to grow some balls and stop leaving their brains at home.