Originally Posted by Unregistered

If you can resolve your kids schooling issue, then you can afford to retire. But i would not recommend home schooling as they will grow up with limited social skills.

There are people who have paid up their HDB flat mortgage and rent their flat for $3k pm and they are also able to generate other sources of passive income from dividends and get in total $5k pm and they are retired or semi retired too in their JB home. But pity the kids who go to school by bus, they have to wake up at 4.30am and leave home at 5am and by the time they returm home, they are exhausted.

Not only a locum GP can retire in JB, even a normal worker can retire if they have paid their HDB mortgage and can rent out at $3k pm.