I'm 46 this year and earning $104k pa. My wife is a housewife who takes care of our two kids and do the housework. Even though she does not earn a salary for being a home maker, I value her work. I just tell her that her work is valued at $100k pa and that makes her happy because I appreciate her.

We started off with a HDB flat, bought directly from HDB at a very cheap price. After many years, I finished paying the loan. Then, in 2006, I found a very good condo deal and upgraded to the condo which we bought at $500k. We sold our HDB flat and got lots of cash and plus our savings, we paid for the condo in full. Now the condo is worth $1.3m. We are very lucky, we started off with a cheap HDB flat and now our net wrorth is more than $1m because my condo has appreciated.

I save a lot in my early working years because I use the bus and MRT to work. I also don't party after work as I am a faithful family man.