It's been many years since we started working. We studied and worked hard, very hard. We saved and invested our salary and bonuses. When the right moment came, we upgraded to a condo. It was the best decision in our life as we watched the value of our condo grew in line with our economy's recovery and growth over the last decade. Today our condo is paid up. It feels good to live in a paid up home. We sleep more peacefully at night. We hope our condo will continue to grow in value despite the price correction we are experiencing now. We don't really care so much as it is a home and not a speculative asset. Nevertheless we hope its value will grow over the long term so that when we die, our children can own a valuable asset.

As a couple earning only S$160k pa combined, we plan our expenses carefully. We will only spend on what is necessary but do not forgo the valuable things in life. We make it a point to spend on wonderful overseas holidays every year. While it costs us quite a sum, it was worth every cent. Whenever we are free, we will look at the many pictures we took and recall the sweet memories. We also spend on other important things such as our children's education, our health insurance and monthly monetary allowance to our dear parents who have brought up us well. Without their support, we will still be among low income households in society. Today, we have moved up the social ladder to be in the middle income group.

While we spend, we also invest to prepare for our retirement. We do not want to burden our children if they are unable to support us in retirement. We now save as much as we can. We grow our CPF Special Account so that our CPF Life payout at 65 will be comfortable. We also plan to buy annuities which will give us additional cash flows in retirement.

We hope to retire in ten years time at 60. We are happy that our combined net worth has now reached S$2m. We didn't imagine ourselves to be couple millionaires when we started working and now we are couple millionaires. Not multi millionaires but millionaires nevertheless. We have lived the Singapore dream. Those who studied hard, worked hard, saved hard and invested hard will become millionaires one day. If we can make it, so can you.