We are both 48 years old, been married for 18 years and now have a son, aged 13. We are not top performers in our cohort, neither in school nor in our careers. I earn only $80k pa while my wife earns $70k pa. We bought our first HDB flat and still staying in it. We managed to pay off the mortgage as we bought at a low price direct from HDB.

Does anyone out there are in worse position as us? We are grads btw.