Actually the game is rigged against Singaporeans, because Singaporeans are made to believe that, it is a very bad world out there and as soon as you step out you will either get raped or mugged. So Singaporeans are forced to live in high cost of living and perpetually be on the hamster wheel to upgrade to
condo, buy a car etc whereas foreigners who come here have no baggage about renting a HDB and travelling by MRT as there is no social pressure. We can save lots of money and then go back to our country and retire a decade or 2 early.
The 16 years I spent in Singapore allowed me to save enough money that I can retire 15 years earlier in Bangalore.
Ofcourse not everyone who spent 15 years here have that much money to show for themselves, either because they also succumbed to the urge to splurge money on things that were not necessary or basically their circumstances or lack of disciplined savings.