retirement is very easy. it's whether u want or dare to do it and face the unforeseen.
there are many ways we can still live comfortably. just remember my li'l brother leetahsar's quote:
WANT NOT; WASTE NOT
live minimalist.
if u wanna live better, there is other such as selling the overpriced pigeonhole, get all your cpf and go to cheaper countries like cambodia, vietnam or even chiangmai. i love the last one where mei meis are very fair and very friendly and submissive
one of my rich pal has done just that. he sold his pigeonhole and with the few hundred ks, bought a land and house in vietnam.
we shall be visiting him soon. he's now living like a king and make so many envy when we skype him.