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We held off buying because of COE and instead use a mix of public transport, Grab and car-sharing, and it works for us. With two kids I unde…

I did the math on my own career and hopping won, but with a big caveat. Over 8 years I switched three times and went from 4.2k to 11k a mont…

From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…

Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…

I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…

When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…

Wish someone told me the mental game upfront. Physically BMT is designed for the average guy to pass, so unless you're very unfit you'll cop…

The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…

Switched from a logistics admin role into data analytics at 34, so not dreaming, but let me be real about how. First, not too late, but you …

Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…

Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…

ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…

Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…

Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …

Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…

Born and raised here, my go-to cheap weekend list that's actually good, not just "go park" filler: 1) The green corridors and connectors, th…

The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …

20% is completely normal for a job hop in Singapore, in fact in hot fields like tech and finance people get 25 to 40% when they move. Compan…

Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …

Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…

Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…

Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…

根據CPF 的規則，20% 的基數為每月 SGD 6,000 x 0.2 = SGD 1,200。然而，CPF 的最大投資金額是每月 SGD 660。所以，你每月可以投資的最多 CPF 金額是 SGD 660。最佳答案！

Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…

My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…