Husband and wife, both in our late forties, annual income $75k and $70k respectively. We spend $110k pa and save $35k pa. Our condo is worth $950k and our mortgage is left with only $150k. Our loan to value (LTV) ratio is only 0.16. Some people say we are underleveraged but we are happy with this leverage ratio. In fact, we have enough cash to settle our loan but choose to pay monthly using our CPF. We were lucky that we bought our condo at a good price a few years ago. Our car has no loan. Our cash and CPF is $1 mil in total. Our total net worth is $1.8 mil. Any comments how are we doing financially?