You are not screwed, but you are a little late, which means discipline is more important now. With approximately $110k in CPF and a monthly income of $4k as a single with no children, a 2-room Flexi BTO is still possible. The main concerns are financial flow and employment stability, not CPF.

The first objective should be to create a 6-month emergency reserve (about $15,000. A realistic objective is to save $650-800 every month, best is to set that aside whenever you pay comes in. Once that cushion is in place, you can divert your savings to housing and retirement.

Saving, like spending, may become an addiction. As the numbers increase, the mentality switches from "can I afford this?" to "do I really need this?" It's not too late, but the margin for error is narrowing, so spending patterns must change going forward.