39, 40, couple. Low middle income, $110k pa combined.
Home 4 room flat, valued at $450k, mortgage left $200k.
Drives a 5 year old car, bought 2nd hand.
Cash/cpf/stocks, $350k.
Total net worth, including flat, $600k.

Any gurus here care to comment how are we doing financially?
How do we prepare for retirement? Can we retire at 60?
Thank you.