Recently, we suddenly start realising that upon reaching the end of our HDB 99-year lease, we are all going to lose our homes - the HDB goes back to the government and we are not going to be getting any money back. Suddenly, HDB feels like a rented apartment instead of our home, except instead of paying rent every month until the lease expires, I pay for it for 30 years only - and if I'm lucky, I get to sell it for a higher price than I paid. The biggest and most important asset for most people is their house. Have you ever wondered why most people remain either middle income or poor? The correlation is not a coincidence. It is exactly because of this reason - the bulk of their money are stuck in their homes. The rich park much of their money in stocks and there are reasons ......