At 42, we had almost zero $ in our CPF OA. Whatever $ we have were in our MA and SA. Cash wise we had about $15k.

Not only that, we were also $400k+ in debt because we were holding onto 2 condos at that time. Our mortgage payment was $60k a year of which $20k+ was due to interest payment.

After one of the condos went enbloc, our finances improved dramatically.

Now, in our 50s, we again have 2 condos, almost $2m in our CPF (combined total of OA, SA, MA and RA), $1m in stocks and $500k in FDs and bonds and $50k cash.

To reward ourselves we have a car each.