Working couple, 41 & 37 years old with 2 primary going kids. Our total income abt $130k/ pa. Lives in a mortgage free HDB 4 room flat, owns a 8 years old car. We have cash, stocks and CPF funds amounting to $600k. We are happy to be debt free, and hopes to purchase 2BR condo abt 550k, if ever there is such an opportunity..