Indeed a $100k pa income is considered modest but to build up a $2.2m net worth is decent.I am 39 and wife 35 both earning $100k each per annum and net worth of $2m excluding home we are staying in.I think the key is to invest at right time and guts to do that when others dare not especially those years when properties in Singapore is at a low and not many are bullish about it.Yes we got many friends and peers who are head and shoulders above us in income and net worth and we have come to the point that we are no longer jealous or envious cos our backgrounds and circumstances are different.We had no family inheritance nor help from any sources along our financial and investment journey and that makes it far sweeter for both of us.