He spent most of his money on his terrace house.

Age: 32
Annual Income: 65k (inclu. AWS and bonus)
Cash: 12k
Investment (UT + stocks): 108k Cash; 59k CPF
Others (Endowment + Bank investment plan): 54k potentially in another 10yrs time
Property: HDB EA flat (worth ~480k now; 220k loan to HDB)
Car: still owe bank ~15k (to date, the scrap value is 10k)

Do you think I'm a loser? I have been working for almost 9yrs and due to last year's financial crisis, I was retrenched and switched job with 10% paycut.
Now, when I compare with my peers (same batch from uni), I'm earning less than them. But I'm not too sure on the comparison in terms of net worth...