@lglab:
i think i'm in a better state as u.. our parents are self-sufficient (thank God they are healthy) and have their own hdb
initially thought of getting a bungalow and have them rent out theirs and stay with us... then dropped the idea cos of the potential conflicts
got 2 kids, lower primary. wife is a homemaker, but a typical singaporean woman (if u know what i meant)
what i'm doing now is to plan for my retirement and at the same time kids' edu.
at 40, if u have been prudent with your money during your earlier work life, i believe u will have a sum of savings.
only thing is that the next 10-20yrs of earning power will be at risk, if u still need to work for others.
but u and many bro/sis here are more courageous than i am.. think think think.. the boat gone already and i'm still thinking..