So far, the withdrawal for 1 mil excess still remain. No changes

To hit 3M in 35 years assuming one start working at 25 earning 5k with 5% annual increment with EPF dividends at 5% annually,  one will have about RM2.9M.

Last drawn salary at 60 is RM28k per monthly with above model.

https://www.thecalculatorsite.com/finance/c...calculators.php

So from what I gather, it's mostly moving from other assets to EPF. I was quite surprise many are self contributing 100K, yet our country's median/average income is somehow less than that. So sometimes I was wondering whether I was lurking at places where most high income earners are. If gathering from other assets as well then it makes sense, just that actually earlier years people can dump 100K into EPF, but then again the money must not be intended to be touch until nearing retirement, so other more liquid assets is justifiable.
However I still haven't max out my 100K contribution and cannot afford to do so yet