I have some chats with my wife on family financial planning. Here's how it goes. Innocence Cory : In 2 years time I would have 60k passive income. That should be enough to cover our annual expenses without touching my principal. That's exclude yours as well (Hinting : I could quit anytime ... ) Stressed Wife : Where got enough. How about your housing loan ? Baby how ? Parent allowance leh ? I want to go Europe. I think our home is too small. My parents also need to be cared. (Hinting : what ?! ) Innocence Cory : This amount is already above Median Income leh. As long we do not overspend that should be ok. You need to stop throwing away fruits that is not in perfect condition, finish up all the foods and less choosy in the place we can eat. The apartment is small but still bearable... (Hinting: Is you ...