Unfortunately the troll is right. Don't believe the nonsense in this forum. There are those who are only 35, already have "passive income" of 100k a year? Wow. Are you sure. Conveniently, they didn't mention the 2 million, 40 year loan that they will have to watch carefully when interest rates suddenly spike. Use plain logic. There is a reason why HDB income ceiling per family unit is 12k a month!