My husband and I draw about 8k together and already find it tight to service hdb flat and children.

But my brother in law and sis in law worse off, both earn combined $3000+ only and their flat is not much cheaper than ours.

My sis in law not much education so her pay seems stagnant, I think she has been stuck at $1k+ for the last few years, not much chance to upgrade.

At least for me with uni deg I can expect 5-10% pay raise every year. I dunno how my bro n sis in law r gg have kids and pay for flat