Hi, thanks for the quick response. I would like to share my story and seek Stacked Home advice. My family is currently staying in an EC, we bought during the 2015 launches in the north, the EC was MOP in late 2022, and it’s a 4 bedder. My spouse and I are both working, we are middle income family around $200k annually with bonus included with 2 kids. We have some dumb luck and currently own $2m of equity. Combined CPF OA balance and both invested $500k. Outstanding EC mortgage $550k, monthly payment per pax using CPF OA at around 3%, $1370. Would like to seek advice, what are the options should we explore?

1. Decouple and get another private?
2. Sell EC and buy condo or penthouse?
3. Buy landed? Would this be out of our budget?

We have plan to stop working in our mid 50s and our annual expenses is around $80k when we retire. Thank you so much!...