We are a low income grad couple. Even though we are already in our late forties, our total income is only $180k pa. We can only afford to save $60k pa due to the high cost of condo and car ownership, parents financial support, high children education and holidays.

We struggle to survive in this demanding environment where your in laws expect you to live in a condo or else risked being looked down. My car also needs to be a European make to be on par with brother in laws.

I am still in debt for my condo and car.

Life is tough.