41, sole breadwinner, annual income, $80k pa. Current flat is worth $600k, no more mortgage (bought at a very low price direct from HDB). Should I upgrade to an EC which is now selling at only $700k? After selling my flat, I will get $600k cash and I have cash and CPF of more than $200k, so I can pay in full and don't need to take any loan on the EC. I don't have to worry about any mortgage payment since my pay is not so high. Should I upgrade? Does a lowly paid person like me deserve to be living in an EC?