Not retired yet mainly because rentals have fallen and we prob need to sell our terrace to retire now which we think is too early to sell as landed property likely to appreciate in land scarce Sg. Our networth is very much tied to the value of the properties and still have mortgages, hence not so high...the income is my own, varies from 110k to 150k pa depending on how hard I work...hubby income not included as very variable from 30k to 90k.