What's your target epf saving before retire and target age ?

Quite similar to mine.
So if you hit target at 55, you will retire early ?

To be fair when we started out to work, rm700 savings is alot. It took us years to climb to that number.

First of all many people leave an important info out when they state how much is their target retirement saving.

Do you have a spouse and what is his/her savings ?

That is too low. In a developed nation, your savings will burn up in 3 months.

Developed nations jobs are getting less because their cost is high. If low end jobs, you will compete with migrants. Then your quality of life will be like theirs, and they get gov aid and housing, will you get it ?
Rent in developed nation is damn high, like you pay 1.5k their currency for a studio apt. Young local gen z already complaining they live pay cheque to pay cheque.

You better have high value expertise like a surgeon or nurse degree or something.

If you retired, the next 20 years, you would count yourself the outlier if you are still out and about eating KFC. Most will be half bed ridden and your living cost goes to paying the nursing home entirely

2 important talking point always ignored.

- are people talking from the perspective of never ever touching their principle and always living on dividen returns ?
- do people take into account of having a spouse who also have their separate savings ?