Indeed. If you go to the new HDB estates where BTO flats are built, you see many cars. These BTO flats are sold so cheaply. This means many families can easily service their mortgage using their CPF and so they have plenty of excess cash to buy new cars, go holidays twice a year, eat at lavish restaurants, send their kids to ballet and piano classes, etc. Singaporeans are so lucky. Not surprising why so many PRs want to become citizens.