Your profile is quite typical of your age group (includes both degree and non degree holders). You live a comfortable life as you can afford a home and a car. Your mortgage is not high relative to your income. So, you must be happy and contented.

For retirement, you can retire at 60. You will save $390k from now until 60. If you need $5k pm or $60k pa, you will spend $300k from 60 to 65. At 65, you will get CPF Life of $3.6k pm. You can also rent out two of your empty rooms at $1k pm for each room. So, your passive income $5.6k pm. If your children gives you $400 pm, you will get $6k pm or $72k pa for your retirement.