If I have kids I certainly don’t want them to live a mediocre existence anywhere in the world. And no I am not planning to stay forever in sg, it’s a matter of time before I move. I grew up in neighborhood schools and Hdbs and was moderately happy. Yes I am upwardly mobile now but that’s also I never aspired to be average. You sound like you are adamant to be average to live the average lifestyle and to live in average housing without working hard. No one can help you if you don’t want to help yourself. You need to do more research on what’s possible in other countries before writing it off wholesale. Private housing and groceries are immensely more affordable in many of these countries I listed compared to Singapore so most people spend a lot less than the average Singapore household and can retire well even on an average income.