40k cash. We didnt have a big wedding so brought over about $24k savings from our single lives and been consciously saving $1200 combined as a couple for the past year or so for our future baby n house. We bring home abt $5.2k after cpf so minus car, petrol, parents money, bills n savings, insurance, household stuff still have about $1200 combined. I drive my wife to work cos we work near each other so no need ezlink top up and budget our workday lunch to $10 day per person (basically 50 bucks a week), dinner eat at home (still sponsored by mother or MIL for this haha) but occasionally eat out. Whatever balance we have is for movie or nice weekend food or other entertainment.

I mentioned still comfy cos got no children and we realise if we try live within our means, we still enjoy proper food and have money for leisure. Will definitely be tighter if our planned baby comes in in 3 years, hopefully increment over that time can cover.