Hello, We’ve read with interest on your advice columns, and we especially appreciate the effort and detail put into the responses. My wife and I are in a bit of a dilemma.  We live in a 3-room HDB flat in Clementi Ridges which we bought for close to $400k. Our MOP is up in April this year. We’re in our mid-30s and together we make $15,000 gross a month, with no debts other than our HDB loan. We don’t plan to have kids. Our goal is to have a retirement nest egg; the question is how best to go about building it. We’re not sure if our next move should…