Well, I probably can see from TS pov. I have friends whom are doctor and some of their closed ones are having certain issues and such.
But we need to consider the fact that TS is in what position, if she mentioned anything probably will affect relationships which she probably wouldn't want that to happen.
Coming back to the question, points to note:
1) As many people had mentioned, rental income is unstable, therefore if calculating rental income into your monthly income, i suggest you take 60% of it.
2) As you calculated how much money you can get monthly, you need to factor in FX risk for SG>MYR, although now is 3 and we see the trending is still there, we need to consider this is still a risk, and you can mitigate the risk by having more reserve of SGD $$$.
3) Since your primary focus is have more time with your family, if you can come to a number of money you have in the bank + your rental income + your ad-hoc part time doc salary, you could better gauge when you can really semi-retire in JB with ease.
4) Optional - But since you have property in SG, probably more expensive, but many things is much easier, considering security and such.
Cheers.
But we need to consider the fact that TS is in what position, if she mentioned anything probably will affect relationships which she probably wouldn't want that to happen.
Coming back to the question, points to note:
1) As many people had mentioned, rental income is unstable, therefore if calculating rental income into your monthly income, i suggest you take 60% of it.
2) As you calculated how much money you can get monthly, you need to factor in FX risk for SG>MYR, although now is 3 and we see the trending is still there, we need to consider this is still a risk, and you can mitigate the risk by having more reserve of SGD $$$.
3) Since your primary focus is have more time with your family, if you can come to a number of money you have in the bank + your rental income + your ad-hoc part time doc salary, you could better gauge when you can really semi-retire in JB with ease.
4) Optional - But since you have property in SG, probably more expensive, but many things is much easier, considering security and such.
Cheers.