Many of us worked very hard all our lives. From Primary school all the way to the workforce, we worked hard. So it is natural that many of us want to retire at 55, the time when we can collect our CPF. How can we retire at 55? Here is the way. This shows everyone with a decent salary can save a lot but most people will overspend. They want a car, they want to employ a maid, they want expensive holidays, they want luxury bags, they gamble, they smoke, they drink, they party, etc. So it is not money not enough. Actually it is SPENDING TOO MUCH.