43, non grad, $64k pa. spouse, 40, grad, $70k pa. we are not as rich as many here. however, we are happy. our hdb flat no more loan, we bought it cheap 15 years ago. we have food on the table and we have fast mrt to travel. we still go for holidays to neighbouring countries, we always feel thankful after each holiday - when we saw the many beggars on the streets in these countries, we are thankful we have a nice home, a good government, clean water and safe streets.