with 20% left salary.. its super hard to manage finances 
we need insurance.. give pocket money to parent(maybe some don't even need to bother their parent)  food.. etc etc..
sekali luck not tat good.. car need to get repaired..
too many unexpected thing to worry liao..
this one aiming to low income yeah..
if the person income 30k.. then 20% left is sufficient for them la 

i think a lot of ppl buying prop is to hedge against inflation like me. when u save enough $, u will pour into prop and repeat the same thing again again until u r retired. (no right or wrong timing, just save and buy like regualr saving plan) when u r old, cant work anymore,  retired as nobody want tonhire u , u will depend on rental income to survive. if u unlucky fall sick, ills and need operation/medication, u probably can sell 1-2 prop to fund yr medical bill until u recover/fit. compare to a person, who put all their hard earn $ into FD or enjoy life etc. by time 30-50 yrs later, your 1mil is only worth 10,000 now. how to pay for your medical bill?? history tell us, 30-40 yrs ago , DSL only sell 10k and now 1mil (non prime and become prime now). I learnt this coz my parent did bought a 10k house 40 yrs ago. i want to repeat the same thing.  if my parent ills, they can use their i mil for medication . (which i think is enough). they have problem if they rent oni 40 yrs ago

Maybe we need QS to tell us the truth on the building costs. Land cost is higher now we pretty sure.