Background 1; I used to focus on d2stadium, d2lib. Now only d2mrt is important. In my older days, even d2mrt would lose its significance to me. Remote parts of SG might be best. See also remote HDB locations.

Background 2: In my retirement planning, My default crbr is SGD 3k. Housing is a $0 net cost, assuming I live in Toa Payoh.

Sugg A: If I choose to live in a remote outskirt of SG (Choa Chu Kang, Yishun, Sengkang,,,), then housing can become a net profit domain, due to lease spread. Suppose this figure is 10% better than the default.

Sugg B: Malaysia retirement is a natural extension of outskirt SG. It should produce even better crbr and brbr, more than 10% better than default. Malaysia retirement remains an important backup option. If feasible, then it is likely to reduce my crbr (couple retirement burn rate) by 20%, partly due to rent, food and transport. In another blogpost, I estimated nutrition as 50% of crbr.

Remember, during retirement, brbr still matters esp if I descend to cash flow low ground.