37 yr old is way too early in the wealth game to make any conclusion about where it will lead to. Dont be complacent, work and invest hard.

My case should be a good example. In our 30s, my wife and I had little or no savings definitely lose big time to friends who were single or have no children. With 2 young kids, 2 sets of parents to give allowance to, a maid and an MPV to move so many people around, we were thankful when we have a few hundred dollars to save every month. We used to console ourselves that at least we have a warm and happy family.

Now we are in 50s, moved up in our careers, children grown up, our net worth is now $5M! Some of our single friends changed jobs few times and still staying in HDB. We own 2 condos.

But we still would not want to say they better off or we better off, our lives are totally different. They said they enjoyed their lives and so do we.