Options

Option 1 - 

Continue applying for 2-bedroom HDB BTOs and we shall see how it goes. The plus side of it is that I know for a fact that I can completely pay of 100% of the apartment within 5 years of living in it. Then after that we shall see how it goes. 

or

Option 2 -

Start saving up now and wait until I'm 40 years old to buy a 3-bedroom HDB resale. The plus side is that I will be able for renovate it into my dream house. The down side is that I know that I will be paying off for the apartment for a long time but at least, I feel secure enough that I can afford it. 

And that is what has been bugging me ever since my 35th birthday. It's a huge step forward that I just kept replaying it over and over in my head without making any sense to myself and then I get annoyed at myself. Adulting is scaring me. Surprisingly, I'm frustrated at myself for not being decisive and confident in making this decision.

In Shaa' Allah, HE will lead me to the correct choice.