I'm 44 while my wife is 38. I earn $120k pa as a working professional while my wife is a housewife, taking care of our 3 year old twin kids. We live in a condo in Chua Chu Kang which I bought in 2005 for $500k. Due to the good economic growth and the well managed economy, my condo appreciated to $1m today. I am very happy with this. I still have $100k in outstanding loans to clear over the next 20 years. I am richer today than 7 year ago. I love our government for making my property value grow because my property is for my retirement.

My CPF and cash savings is now about $400k. I hope to grow this until 65 when I retire. We plan to sell our condo when I retire and me and my wife will retire in our terrace house in JB. We will convert our cash to RM and expect to have RM5m cash for us to retire with.