Mid-40s couple, wife has not work for past 2 years, 2 young kids, parents to care for.
Sole Income: $100-$120K/yr
HDB valued : $600K, outstanding: $108K. No other property.
9yrs old Jap car paid off, dare not buy any car till COE ends and would not go for anything above $100K.


Mine
Cash $313K
CPF OA: $52K
CPF SA: $163K
CPF MA: $48K
Stock: $25K
SRS: $38K
Investment: $253K
Insurance: $11K

Hers
Cash $484K
CPF OA: $2K
CPF SA: $16K
CPF MA: $11K
Stock: $7K
Insurance: $190K

Estimated Net worth including HDB: $2.1M

Work getting very unstable for such age group and is seeing much difficulty ahead.

Not sure what to do once out of job as got children and both side parents to care for.

Looking around to invest for passive income to prepare for no income soon (likely foresee career would not last more than 2 years as there is no big project for this year).

At my age, not easy to find job. Been applying for past few years, only one interview but without offer.

What should I do to prepare for rainy days ahead? Children need another 18-20years to be independent.

Under-Happy Singaporean!! : (

Driving taxi is the only option? Start a small home business?

Feeling stress daily.