Thanks for all the advice. I have saved for my kids' uni education. So, no worries.
I don't think I can save more unless I sell my car but I don't want our quality of life to go down. I reckon we will just downgrade from our big condo to a small condo when we retire at 60. Our condo is now worth $1.5m and we will pay the loan until we are 60. If we sell our condo for $1.5m and then buy a $600k studio condo, we can get $900k cash. When we reach 65, our
CPF Life starts paying us. It will be a bonus if our kids give us allowance just like we're doing with our parents.