I came across an article in Yahoo!Finance: "The 5 things every Singaporean should have by 35." The 5 things the author listed are: 1.  A time deposit that would be maturing soon. He thinks that people should start by having a reliable investment scheme in their 20s and went on to say that fixed deposits are a good place to look... er... 2.  A relevant degree. He thinks that a degree is the norm these days and people should get a degree as soon as possible. He also thinks that a degree is the key to employability. I wonder if diploma holders might disagree and, also, I guess for those who are more entrepreneurial, a degree might not really be a necessity. 3. A job with a health plan. OK, this sounds kind of strange to me. It is as if one of the reasons for working for company ......