Hi stackedhomes! I have been following and reading your articles religiously as I enjoy the different perspectives that you bring to the table. We are currently in a tricky property situation and would appreciate your professional advice. Here is a summary of our housing situation: Property 1: 32 year old EM at Choa Chu Kang owned by my husband and I am an occupier. We cleared the MOP in 2021. The EM is currently tenanted out at 3.5k per month. Tenancy ends on February 2025 Property 2: Newly bought NeWest at 2.3 million in 2021. We have two children with minimal CPF OA due to the above commitments. As for SA and MA, we have about 200k, and we have about 200k cash at the moment. As both of us are moving into 40s soon, we would like to start planning for retirement and legacy planning which includes property restructuring at some point in time. Our main...