No Kids, Double Income… So Retirement Should Be Easy — Right? That’s what many DINK (Dual Income, No Kids) couples assume. After all, you’ve got no school fees, no childcare bills, and more freedom.  But here’s the truth: Having no kids doesn’t guarantee a smooth retirement. In fact, it brings a different set of challenges […]

You’re in your 40s. You’re raising kids, managing school fees and enrichment classes, supporting aging parents, working hard to grow your income, and still repaying your home loan.  Retirement? That feels like a problem for “future you.” But here’s the truth: This decade isn’t the time to delay retirement planning — it’s the most important time […]

If you’re single, chances are you’ve been told things like:“You’re lucky you don’t have to plan for a family!”“You have more freedom, so retirement should be easy!” But let’s get real: being single doesn’t mean your retirement plan is on autopilot. In fact, retirement planning as a single in Singapore comes with its own set […]

If you’re turning 55 in 2025, it’s time to pay attention.  The closure of the CPF Special Account (SA) could significantly impact your retirement plans—especially if you’re relying on CPF savings to grow your nest egg. Announced during Budget 2024, this change has left many Singaporeans asking:  What does this mean for my future?  Adjusting […]

Many Singaporeans want to leave the usual 9-to-5 job behind and gain financial freedom early. The FIRE movement offers a way to make this dream come true.  However, each person’s path to FIRE is different, so it’s important to find the best approach for your lifestyle.  But before we go further, let’s take a simple […]

Stepping into your 20s might feel like a mix of exciting possibilities and confusion. You’re learning about yourself, making big decisions, and dealing with money matters too.  The truth is most young adults find it challenging to save and build their wealth. So, you’re not alone. However, with strategic planning and smart decisions, you can […]