What kind of business can guarantee a regular income? I think only employees can expect to get regular income.

Doing business always comes with risk and therefore the income cannot be guaranteed.

If your current income is insufficient, you have to consider doing 2 jobs.

See what your friends have that you don't have. What qualifications, skills, jobs they are doing? Investments? How come they can afford to live in condo and you cannot?

Not all condos are the same, there are good condos and there are other condos. Sometimes it is better to stay in a HDB than in a bad condo.