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 […]

As newlyweds, one of the first major financial decisions you’ll face is whether to merge your bank accounts or keep them separate. Managing money is one of the most important and challenging parts of marriage.  Deciding between a joint, separate or hybrid-style bank account is a key choice that can shape your daily spending habits […]

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 […]

Borrowing money is a big decision. It requires careful thought and planning. Whether you’re looking to fund a home down payment, cover medical expenses, or handle other financial needs, understanding your loan options and managing debt effectively is crucial. Types of Loans in Singapore Loans are a popular choice for Singaporeans when they need to […]

With the rising cost of living and the need for career qualifications, many Singaporean parents recognise the importance of quality education.  However, top institutions and tertiary education come with high costs. Like every other big expense, saving for your child’s education requires careful financial planning. So, let’s look at the costs and ways you can […]

Hearing about potential layoffs from your employer is never a great time.  Unfortunately, layoffs can happen to anyone. The last thing we want is for it to catch us off guard financially. Here are steps to take if you’re concerned about potential layoffs or if they’ve been announced: Have an Emergency Fund Even with a […]