Hi AK, I have been reading your blog for sometime & found you to be very smart & prudent. Are you able to give me some advice based on my current situation? Employment status: Unemployed Age: 40 Housing: Condo with $650k outstanding loan (mkt value $1M) CPF OA: $400k CPF SA: $100k Dividend stocks: $50k Cash: $150k Expenses: $20k/yr I have been trying to do trading with mix success. Had also been doing part-time job to earn about $1k/mth. Should I try to find another corporate job? ( I really hate it & had been unsuccessful trying for a while) Thanks in advance! EW Hi EW, Aiyoh. I am just another lazy fellow. Prudent enough but not particularly smart. At 40, I think you would be financially pretty comfortable if not for the housing loan. ;) If you were to sell your condo and get a resale HDB 3 room flat ......