I agree there are many people here fantasizing of high income, high net worth, high passive income, etc. The reality is - many, like me, earn a modest income. As a couple, my wife and I earn a total of only $100k pa, we are in our early 40s. We own a HDB flat, which we are still servicing mortgage for and we don't own a car. We spend a lot on our kids, for their tuition, enrichment classes, etc. We give the best for our kids. As a family, we save and don't spend on wasteful things.