Old and Lazy Turtle was a "millionaire" until Aug, LOL. What happen exactly? Basically, my Turtle's backside was itchy, sold my full paid up 4 room HDB and bought a resale 5 room HDB for an upgrade of space from 990sqft to 1200 sqft in the 2nd half of the year. Larger living space, nearer to amenities and walkable distance to the kid's primary school. No, I didn't want to upgrade my status from HDB to Condo but I prefer to stick to my prudent belief of not getting into a deep debt situation. For the extra 210 sqft, we finally have more space for the kids to run around the house, a proper sofa and a dinning table for at least 6 pax (it was only 4 last time). I took a bank loan of 75% and paid 25% of the HDB down-payment using hard cash, one of the key reason why you see a sharp drop of cash networth between Sep and Oct period....