Wife:31; hubby 32 with 2 young toddlers
House: HDB flat worth $400k, fully paid with cpf
Combined Cash + stocks $340k
Combined CPF OA & SA:$100k
No car & no maid

Savings could have been more if not for wedding & house reno plus all the baby delivery expenses.

Not bad for such a young couple. I am surprised you can pay off your hdb and yet with 100k. Must be high earners, I guess.

we are just average middle income couple. Combined income $10k per mth. We were lucky to buy a BTO quite cheaply before property prices start to go crazy. So we managed to pay off hdb loan within 2 yrs.

We do see our savings quite stagnant especially after having 2 kids. Enrichment classes, childcare fee, milk powder + diapers chalk up to quite alot of expenses.

Me and my wife(around mid 40s)
Cash:250k
Shares:300k
Bmw z4(fully paid)
Semi Detatched 3.5m (left 450k loan)

Wah you so sharp. how you know I'm a girl? "Bubbles" gave it away? haha.
I earn about 67k a year

Actually based on your CPF amt, it doesn't seem like you have been working very long. Either that or your income isn't very high. But for the amount you have in investment it is pretty impressive. May i ask how you did it? What is yr annual income and how much do you save a month?

How much do you and your spouse save per month before the kids came? The amount of savings you have is quite good.

To be frank, we didnt really keep track how much we can save per month cos since 2010, we had major events that comes in every yr which somehow affect our savings rate. Hopefully we can start saving more this year

2010: wedding
2011: house reno
2012: arrival of baby 1
2013: Arrival of baby 2

Make 100k a year.
Save 60%
Don't pay rent cause I live at home.
Income tax is about 3% because I contribute to SRS

I dont doubt your post on your net worth.
But you are not disclosing how you arrive there completely.

You stated you & spouse 32/31. Between you and your spouse, you have average of max 8-10 yrs working. Meaning to achieve a networth of 800+k in those 8-10 yrs, you had to save approx 100k savings per year.

that around 50k per person. accompanied with the expense of reno, kids.

think you must had some help... or i will have to agree with the others that u r not the average middle income...