Hi, I am 40 this Dec. Been reading the posts of the many forumers here. Looks like there are many successful people here with high earnings and high net worth. As for me, I am definitely a low performer. I am still servicing my mortgage loan of a 4 room HDB flat. My net worth, including my flat, is just $400k. I will need to save more. I need to save $30k per year for 30 years for me to get accumulate $900k. Then I will retire at 70.