wow.. i feel like a loser here after seeing what other people have achieved.. unforeseen circumstances led me to start work only at the age of 27.. im 28 now.

monthly income 3k+
cash about 20k+
stocks abt 5k
just bought a hdb at 300k+.. (nothing paid yet)

me and wife to be combined just reached over the 5k mark..

how do i carry on from here? The thought of working till death just to survive in singapore scares me..