29 years old

SGD 75k in Ordinary Account
SGD 13k in Cash Savings

- should have more money in savings account but lost a sum when I decided to back of out marriage (lost money in executive condo downpayment and got to pay bank loan penalty)

- looking to increase cash savings to SGD 40k by next year (based on JP Morgan retirement savings projection, that's the amount I should have by 30 years old)

Monthly mandatory expenses SGD1330 (parents' allowance, school loan, insurance etc.)
Monthly flexible expenses SGD 800-1000