My wife and I earned a combined salary of S$500,000 per annum.

We lived in a bungalow, worth S$5 mil, fully paid.

We have S$1 mil in cash and 3 condos, fullly paid.

We are both in our 50s and planning to retire soon.

Life is great. Our secret - investing in Singapore properties for the past 20 years and minimise spending and invest the rest.