Humble middle income family, 48 & 50 yo, $200k pa. Condo is just a small 3 bedroom condo, worth $1.1m. European car. Holidays only twice a year, in June & Dec. We lead a simple life. Our retirement plan in 5 years is also simple - we will join my parents in KL, will sell our condo. Our net worth when I'm 55 should be around RM5m. Can retire in luxury in KL.