So this 5M is the household instead of individual? Mine is 4M individual

when retired, i don't need to spend much, so just minimalist ok already.
basic passive/epf income 1.7k or less is sufficient to stay at PPR or blk kampung...
go north side or east coast can cut cost even more...
i bet those outskirt areas still have many cheap houses to rent out....
no need big car, used bike/ car 20 year old perodua myvi/ bezza also sufficient.
will probably stay at home and do some gardening...

important that waifu FIRE together... otherwise going to be lonely...

I live by the code that to FIRE you must practice delayed gratification. Not doing delayed gratification is not the traditional way of FIRE. Feet to the pedal, nose to the grinder. Do not let go until you are FAT FIRE. That's how the OG FIRERs do it. If they can do it, why I am being weak and not able to have no life for a while? Is it that hard to continue having no life when you are already having no life?

Singaporeans claim they need 1.4 usd to retire... ie around 6M rm

here, so many claim we need 5M rm in epf to retire... lol

did SG underestimate or we here overestimate? 

Yes that right. That's why I follow only those that have done it. I also believed and follow the original FIRE way and notcurrent day derivatives. All tell you the same thing. Be super frugal, save min 50% of income, invest the savings for cash flow or income. That is it. Unfortunately being frugal part is the part where most people struggle because most people cannot do delay gratification.

so that he can retire early!

Depend what you want to look for. Original FIRE is getting there as soon as you can. That is what I follow.
If you want FAT FIRE and as fast as possible no choice.
If you want to take your time, it is not FIRE as likely normal retirement. FIRE means retire in your 30s or late 40s max.
If retire at 50 sorry la. That is not my definition of FIRE. I am already LEAN FIRE. I am aiming for FAT FIRE.
The point are 5 things
1. Get to the finish line as soon as possible. Do not enjoy the journey. Enjoy the very long finish line with the time you bought. Imagine retiring at 30+ FAT FIRE. You got a very long road ahead while your peers all slough and work like a donkey and you just be a unemployed person. Time kena owned by the company and not your own time. I don't want my time to be owned by anyone. If you live the life without it being own by anyone you will love it. I lived that life before.
2. Get FAT FIRE. Able to go anywhere, eat anything and move to any country. Total freedom. Don't like country A, pack up your bags and move. Not restricted by your money or destination. Be a digital nomad.
3. Support my biohacking to live a long healthy life and age gracefully. No meds at 60-70 years old.
4. Imagine no need to work and money continue to come in.
5. Imagine getting 10% raise a year automatically without any KPIs to meet. Which company can increase your pay by 10%p.a into perpetuity.

Many have done it, can be done. Just be patient. Many cannot tahan the hard life so try to find excuse by having so many deviations.
Part of it.
Yup can't do that. She will freak out and leave me if I suddenly do that. She told me she don't want guys who spend like that 😂

My mum will also me if I were to spend like that.
Depends on what you want lo. I would rather retire at 45 Vs 47 or 50 just because I spend more. But that's me. If can I want 40. But have to be super conservativem
Very worth it if you have live the FIRE life before. I have done it, I can do it again on larger scale.