Hello Ryan at Stacked, I absolutely love your advice column. Truly enlightening on how to navigate the property ownership journey.  Would greatly appreciate your practical and thorough wisdom on our investment/life situation. We live in our 3BR condo, valued at 2.15M, under my spouse’s name. My spouse wants to upgrade to a 4BR condo for lifestyle reasons, growing children. This second home will be under my name. Husband and wife have differing views on how to invest in a 4BR and what price range to buy and would love your advice so we can agree and execute as we are sitting on a pile of cash with no interest. Some details about our situation: Male:

• 43 years old
• CPF OA = $260K
• Annual income $380k
• Keen to upgrade to a spacious 4BR condo of 3M in Interlace.

Female:

• 40 years old
• CPF OA = $290K
• Annual income $300K
• Low appetite for taking a large, second mortgage in 40s. Keen to retain flexibility to retire by 55 yo and work at will with no sword dangling

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