Annual combined salary $200k, condo worth $1.5m, outstanding loan $1m. We will pay the mortgage over 25 years. Drives a conti car, loan $100k. Our condo is our long term investment. After 25 years, it will be paid up and we hope by then it will be worth $4.5m. So, combined with our CPF and other savings and investment, our total net worth at 65 years old, hopefully will reach $6m.