Married both 35
No child no car
3rm flat worth 420000 at marine parade
(Loan left 170000)
Wife inherit a landed with 20% interest value btw 2-3mil
Saving of 250k cash
Insurance surrender value 100k

So bottom line
250k (cash)
100k (ins surrender)
250k (flat)
400-600k (landed)
1-1.2million net worth

R we ok ?