If you stay in HDB, no matter how much you renovate (some more than $100k !) -people still look down on you compared to condo (even EC) and of course landed .
If you have money , you Will NOT be staying in a HDB .
Renovate so much is telling people you borrow money to the hilt, work long hours to pay off loans and will have no time to enjoy your overpriced 99 years lease pigeonhole.
The more you renovate, the more you will have to eat instant noodles for meals
Be prepared to shit in your pants when FT's steal your lunch and leave you jobless