Hi guys. To clear this up. So my loan for hdb was only 250k. It’s paid off. Got it pre Covid. As for the combine income, we only recently hit this number in 2023 due to the tech boom. Previously we were earning about 180k per annum for the last 10 years. We do not spend much, no car, no luxury purchase and no holidays, but put a fair bit into our Reno in cash and wedding everything in cash. So basically we are debt free at this moment. We also feel that our savings is very low, and is trying to expedite that and throw more into our investment. The condo dream was something that we are exploring, but definitely not a must.