SGD25k+

my SG frens who is around the 20~30k range at best are in condos only... none have landed.. some even in HDB.

My industry pays better then banks generally... also we are fairly senior

Nice. What industry?

I ride causeway bus, wake up 5am because my work time is 9am. I sleep at my work place if I arrive early. U can adjust timing but I choose 5am because it is the minimum travel time which is 1 hour. If jam, travel time can shot up to 2 hours plus.

Tuas is less jam but still can get jammed. Tuas has more service apartments at affordable price but the tuas bridge is compared to Woodland Bridge.