Husband 38 years old /wife 39 years old
Combine income: S$300k/annum

Stocks S$1.6m
Cash S$0.2m
CPA OA - NIL
CPA SA combined S$200k
HDB S$760k (fully paid)

Term plan: S$1m each
Husband: S$0.1m life insurance

Happy problem next:
Option 1) buy condo? => Work your ass off for next 10 years and don't even know whether there is any high pay job left
Option 2) sell HDB and get BTO since husband may be out of job soon then lepak lepak=> become full time stay home dad, life is good, play PS4/5