Penny wise but pound foolish.
When u save a sum, try to make that sum of money work for u...
Instead of u working to make the sum bigger... that where u know u can start enjoying yourself when u spend and the bank account figures still continue growing.
How to make the sum of money work for u, it can be in a form of investments... of all the investments i got to know of, i find buying a condo with the extra CPF monies I have to be a wise choice.. since I can't get it all out at the age of 62 or 65... I might as well make full use of it.. be it investment into Trust Funds...
Tat's how I do it.... buy a condo with CPF, rent it out and just work normally to keep the CPF at check, and collect the 2k plus rent into yr own bank account monthly along with yr pay check...