Does the 100k by 30 include property? Feeling broke after paying the downpayment.

No. If include property will be more than 100K

The challenge of $100k by 30 does not include property and CPF.

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It would be highly liquid things like cash and stocks, FD. But then you also have t-bills which can be cash but locked up in the mid term. Don't get stress about it. Have a money plan. That way, you know how you can build an asset.

But are you feeling satisfied. if you have 1 mil in the bank, but your mental health is so bad that you are paying 5k to therapist? what sparks joy in your life.

Hahaha, same when i paid my downpayment. it's ok... at least you have an asset...now can work on next 100k