I am quite lucky as I have a good bonus (cash and stocks) and healthy increments. Base pay to start off is quite high also. I travel a fair bit, so on other company's TE, so that explains why I can save more =)

I am a normal Singaporean boy, not a superstar. My friends who are IBs and lawyers earn more than me, but I am satisfied. I live a very normal lifestyle and I enjoy it. I save $$$ to buy property and use it as my investment vehicle. Both properties have since gained value from the point I bought them. I am not a speculator but am put off by the governments' tough measures and will diversify soon, to the dismay of my tenants as I am a good landlord.

My advise is to see property as investment and not love nest, and to cut down on unnecessary expenses and to save up as soon as possible so that you have more options. Do an audit If you do not have high salary, it's imperative that you start earlier, so that you will spend less time in the rat race.

Just my 2 cents. Hope this helps all of you.