45, $150k pa.
Spouse, 35, $70k pa.
Condo paid up. Been living in condo for 10 years already.
Planning to change car from Asian to European. Paying in full.
Cash and CPF savings $1.2m combined.
Annual savings $100k pa.

Retirement plan at 60:

1. Sell condo.
2. Buy HDB flat.
3. Expected to have $4m cash.
4. Live a simple life with no car.

$4m cash should be enough to retire with to last 40 years.
Will leave behind HDB flat for son when we die. He can sell and get cash.