Seeing all your posts, really make me reflect at my money mis-management, and also lack of foresight... but then, life lessons sometimes are expensive.
34 now, married.
Annual income (myself only) - $160K
Cash - $10K
Stocks - $0
1 4RM
HDB flat (550K val) - with 450K loan left
Lost most of my cash in business... so good lesson...