Who is better off?

My friend and his wife worked hard and struggle to make ends meet. They have a maid from Philippines who looks after their baby. The maid said that after completing her contract, she would have enough money to build a 3-storey house in the Philippines.  Who is better off? The employer or the maid?

Singaporeans must realize that they have a debt that has to be paid over a lifetime, due to the high cost of housing in Singapore.