I am rich compared to my relatives in Malaysia and Thailand. I own a beautifully renovated 4 room HDB flat which is worth S$500k. I have no loans as I cleared my mortgage and my car loan. At 40, I now have savings of S$200k and CPF S$100k. I bought a condo in Thailand which I will retire in when I reach 50 years old. I will sell my flat and will live like a rich tycoon in Thailand. My net worth today is so much at S$1.2m. My relatives net worth in Malaysia is only S$200k and in Thailand only S$100k. When I visit them, I am like a celebrity.