Household income, $162k pa. Expenditure, $120k pa. Savings, $42k pa.
Condo, worth $1.2m, with loan $250k left. Car, no loan.
Assets - condo, cash, stocks, CPF.
Combined net worth, $2.5m.
44, 42 years old.

We need to work harder to retire at 65, need to achieve a net worth of $4m by 65.
We will retire in a cheaper location such as Koh Samui, Chiang Mai or Krabi.