Hello to all who have made it, may we have your advice on how to invest / save / plan for retirement? We are a couple (nearing 30) earning more than 200k p.a. No debts, no car. BTO coming up in the next year (luckily we got it before one of us had full employment). Potentially we have the ability to climb a lot higher as we are still young in our respective industries, with room to grow (career + financially).

Would like to humbly ask for all of your advice on how to plan for our future. Intend to have 2-3 kids and staying in the HDB till the end of the lease. Thank you all in advance!