I am grateful i can afford to retire. Other people buy Civic, SUV, EV, i drive cheap B seg.
Everyone live big double story gated house, i live in apartment.
Everyone marry hot wife with flashy exciting lifestyle. I have workaholic wife who earns more than me.

But I can retire early. Hope fully.

Last time i share my view to take full flexi home loan. The interest slightly higher than a static loan but i can dump money in and take out anytime, no movement restriction as long as no overdraft.

I put in all my rainy day savings into it, including my save car down payment as i was still surveying.

My kolik laugh at me, saying one can earn more with the liquid fund from the stock market. But i am glad i stuck to my plan. House was basically paid off 10 yr into 20 yr loan because all my safety net money offset the interest charged. I just let it sit there untill i have accumulated a bigger safety fund and settled it.

Clearly you do not understand the whole concept.
Would you ALL in your entire net worth into EPF rather than your home loan? Have you observe current BLR + bank interest? Epf beat the blr+bank interest ? You can't withdraw as you like from epf for personal needs.