The idea of FIRE is good but cannot be taken to the extreme... save 30% to 40% is already very good... saving 70% is extreme ....it’s got to do with marginal utility of money ... if u cut only a bit of expenses, u still enjoy the most utility on ur remaining spending... if u cut until Internet also cut, skip weddings , skip all gatherings , no eating out at all, no movies ever, no hobbies etc... then your life will be miserable

No. But I never withdrew, n didn't voluntarily cut during the economic bad times where u can opt to reduce contribution.

I am also fortunate to hv been working for more than half my career with employers that gave close to 18% contribution. Years of contribution, combined with the wife who also works and compounding interets mean our epf has snowballed into a nice pile n still growing. I  may withdraw epf n diversify away from EPF, but I'm waiting for the big bear market in the future.