Dragging myself to work everyday.
The only happy thing is living in a comfortable property now (3000+ sqft 5 bedroom cluster house) but got to work to sustain this liftstyle.

39 years old male.
Local degree holder.
Worked for 15 years since graduated. Latest job started 5 years ago.

Cash : 20k
Property : worth 2.1m with 1m outstanding mortgage
Cpf: only a few k in ordinary as most are used for mortgage, medisave and retirement about 60 to 70k each.
No bonds or share, don't know all these.
Only have hospitalisation plan insurance, no saving insurance.

When can I retire?