Networth for 35 & 40 yo couple

For your age with 2 kids, fully paid BTO aside from CPF, nearly $800k cash/investments plus positive passive income, you’re already doing better than many. Biggest thing now is probably ensuring adequate insurance coverage, kids’ education planning, and whether your investments are growing efficiently enough for retirement goals.

Does your investment include funds for children future expenses and education needs? assuming a decent tertiary education will probably cost $50k upwards in today's terms. much more if you also plan to finance their future 1st home.

the $2300-$2500 passive income will allow you to semi retire when the children have grown up.