Here's sharing of our family lifestyle. We are also in the low middle income group. We get a total salary of $165,000 per year. I am 45 and my wife is 43. We stay in a condo in the sub urban region. Now it is worth $900k and our mortgage left is $600k. We upgraded from a 4 room HDB flat. We take the bus and MRT to work. We have 3 kids and they take the school bus to school. We have a maid to take care of the kids after school. We go home at 9pm every weekday.