We're a young graduate couple (30 and 28). Our combined annual income is ~200k currently and has the potential to increase in the future.

We bought a 5 room HDB a few years ago for ~400k and we intend to stay there for the foreseeable future. Currently only have about 7-8k passive income per year (from shares' dividends and bank interests). Could be a bit more as I've not included returns from all our insurance policies. Intend to save up a bit more before investing in commercial property in an attempt to build up further passive income in the coming years.