Received an email from a reader who is about to graduate and join the workforce: Hi AK, I am C and this is actually my first time writing to a blogger. I've recently found your blog and you've been such an inspiration to me and my "future financial life". Would like to sincerely thank you for setting up this blog to benefit us youngsters in Singapore. :) I am about to graduate soon in a couple of months and I'm just wondering if you can provide some advice to me... Upon graduation and receiving my first pay check, would you recommend me to first set up my emergency fund or invest in FDs or buy insurance or voluntarily top up my CPF or invest in a SRS account or a combination of some? There just seem to be many things I should do but I'm not sure which one I should ......