My wife and I are 40 years old, we met in JC and got married after we worked for a few years. We started with a HDB flat and now living in an EC. We managed to pay off our mortgage. We now have $1m in stocks which gives us 5% dividends. We aim to continue to save and invest in good stocks. Our target by 60 years old is to have $2m worth of stocks. Then we will retire in KL, where many of my relatives are. By then we expect S$1 = RM4, so our S$2m will be worth RM8m. RM8m should be enough to retire with in KL. We will give our EC to our only daughter.