Just got my keys to my JB semid house....now can retire or semiretire if we want to as can rent out our terrace and studio condo in Sg and live on passive income there of about S$3k or if we sell one or both Sg props, can have more.

Combined income now about S$18k a month so a bit of a pity to give that up. Mine S$10k to 15k a mth but spouse more unstable now about S$6k a mth.

Terrace valued at about 1.8 to 2 million. Outstanding mortgage $580k
Studio condo bought at 600k + . Loan 380k
JB semi d equity loan of 400k

Quite highly leveraged but my job is very stable as a locum GP so should be ok.