mine...working for past 9 years...31 this year, in IT..
Cash = around 15k
Share = around USD20k
CPF = around 100k for ordinary
Single, no house or car but absolutely zero debt. No installment and no late credit card payments (this is something i am very strict about...i have excellent credit rating and always obsessed about remained zero debt.)
What I earned, what I have, is what i got...Not a gross value but true net value.