So, I received this comment today. I understand where "Anonymous" is coming from, but at the same time this comment is worrying because I feel that many other teenagers and young adults are feeling the same way.

Firstly, having no money is never an excuse. For most teenagers, we get a daily/weekly/monthly allowance. Or we might even be working part time or full time to support ourselves. Yes, Singapore is an incredibly expensive country to live in, but there are many job opportunities out there.
(Just not managerial or high positions in the company, sadly...)

Those that are highly motivated, will find a way to balance school work and work life properly.

Opportunity cost. One of the biggest and major reason why most people prefer to plan later on in life. What I don't get is this. Why are you choosing to go on with life without a plan ......