alan15

Don't count out any unexpected income or fortune that may come your way in the next 10 years as well, such as bonuses, a raise, money/assets that you inherit, lottery of some sort, assets that suddenly increase in value dramatically that you consider selling for some cash, etc. But realistically, $22000 per month is still respectable in hong kong, really above average, and with well-planned investments I'm sure you can live a decent life and manage a family.$ V+ ^+ F: a; x' [
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Your financial "dilemma" is one that many other hong kong people would rather have for their own.