-Every wage-earning Singaporean is forced to participate in a giant ponzi scheme called the CPF, where a certain percentage of every paycheck goes into a quaint little retirement fund... which is virtually inaccessible, even after the already-high age of withdrawal (65), because of this random policy called the minimum sum, which is ever increasing -- $161,000 at last count. What is the minimum sum? It's the amount of funds you must have in your CPF account before you're even allowed to touch it. Guess what when you're finally allowed to touch it? MONTHLY PAYOUTS, BITCH, NO LUMP SUM WITHDRAWAL!