Single 34 yo.

Cash+stocks : $108K
CPF ordinary only: $41K
5-room hdb : loan outstanding $140K, market value $465K
No car
Annual income: $70K

As a uni grad I'm considered doing very badly. Most of my peers are doing much better than me. Main culprit is my lower income and I also spent quite a lot during my younger days on useless MLM products and paying tithes of more than 10%. I don't go to church nowadays so managed to save up more.