Husband and wife combined income of $200k. Owns a condo and a European car, both paid up. We enjoy life, we like to go for long holidays, twice a year. Our retirement plan is to sell our condo when we reach 55 and retire in Chiang Mai. We love the weather there. When we convert our millions of SGD to baht, we will be very rich. We can then retire very rich there. We will have people serving us. We will be big bosses there.