Wife 34, Husband 35 with 3 young kids. no car, no maid. No debts or loans.

Annual income- $170k
4 room Hdb flat- worth $440k in valuation (fully paid)
Combined CPF(OA+SA+MA) $343K
Combined Cash + Stocks $410K

We have seen peers around us upgrading to ECs & private condos, but find it too high a commitment. Even though our savings rate are not high due to having kids, we are still living quite comfortably within our means. We do indulge in holidays & restaurant meal at times...