Lower middle income couple making only $152k pa. We are blessed with two wonderful children who love us very much as we spend a lot of time with them since young. We sacrificed by not taking up jobs that paid very well but stressful and require long hours at work, even working during weekends. We chose lower paying jobs which allow us to raise a good happy family.

We upgraded to a condo in 2005 and has paid up the condo. We are lucky as the price at that time was low. Today the condo is worth $1m.

We are now saving up as much as we can so that we can retire in ten years time at 55.