Dont think I have made it in terms of being debt free
We are still technically in debt, until we match our debt, we are still in the rat race. We aim to be technically debt free in 3 years .

There is no short cut for getting where we are today. It's a mixture of hard work, luck and opportunities. 3 years ago, we were at half of what we earn today. So income was not the main driver in the accumulation of assets. It was actually property that helped to increase out asset size.

As for advice, we could have been debt free much earlier if not for being too short term in our investment . Should try to accumulate more cash and spend less on unnecessary luxury items like watches, bags . Also try to have an additional property ( which unfortunately we sold way too early) or investment for passive rental income. We intend to build a portfolio that gives us that at 5% or more return and aim to generate 200k In passive income. At this rate we need 4 million cash and we are still quite far from the target. Hopefully we can enjoy the same or more level of income for us to achieve that in 5 to 8 years time. We aim to 'retire ' by age 45 and work for passion after that ( haha )

To sum up, work hard , invest smart and spend smart (something that we had to work harder on)