I am just a mid skilled worker but my net worth is more than $1m. How? Easy. I first bought a 3 room flat from HDB and after a few years, I sold it for a big profit. Then I bought a 5 room HDB flat, again direct from HDB. Now the HDB flat is worth $950k and I have no loans. My CPF and savings in total now is $300k. So I am worth more than $1m at 65. I am very happy with the system that make me so rich. I can now sell my flat and stay with one of my children who is staying in a penthouse.