You are ok. The only thing you lack is a wife, kids and your own home. Buying a BTO HDB flat is the best investment you can make in your life. The government builds beautiful new HDB estates, better than private apartments in other countries, and the value of your flat will 101% guaranteed appreciate after you have serviced your loan after 25 years. For instance, if you buy a 3 room flat for $150k, the value of your flat will at least doubled to $300k in 25 years time (can even go to $400k or more) and your net worth will rise. When you retire, you can rent the whole unit out to FTs (we need FTs to rent our flats) and you can stay with your own kid. So, the strategy to live successfully - get married, apply BTO HDB flat and have two kids (hopefully at least one of them will take care of you in your old age). So, instead of wasting time playing computer games or watching TV, go out and hunt for a wife now. Avoid the outgoing and havoc kind. Find those homely and motherly kind. There is one forumer here, she sounds ok but she's old (35 years already) but still ok I think.