I own 2 fully paid properties, a HDB flat and a condo. We live in the condo and rent out the HDB flat. I am retired now at 40 years old. My passive income from the HDB flat rent and from stocks is $55k pa. My wife is earning $75k pa. Our household expenses is $80k pa. We save about $50k pa. We have no debt at all. I spend my time trading stocks, doing the household chores and tutoring my kids.