More passive income than "richer" friends.

Reader says:
"I would like to share a personal experience.
"My wife and I have relatively high paying jobs - and we work like dogs for it. But unlike our friends who make about the same amount and stay in condos and semi-d, we are the only couple staying in HDB 5-room.

"We find it very comfortable already. Altho I often have to answer younger colleagues (I work in a very big organisation,