If no kids or kids grown up and with a 5 room flat. Can easily rent out the flat for sgd2500 and live in Johor. Buy a nice car for rm 40k and live a laid back life style, either in a landed or condo. Join some interest group to enjoy the free time. Once a while can take the 4 ringgit bus from bukit indah back to sg to chop passport and visit friends and relatives. Fall sick also can take the 4 ringgit back to sg to visit poly clinic for 8 sgd and take medicine. Rm 7000 a month can do a lot in Johor, don't even need to dig into your savings. Don't need to care about the toll and vep, not a concern for the happily retired.