[ I have submitted a personal finance essay and right now, I am still canvassing for votes here. Voting will only end on 16th September. I will be writing  a set of three essays to elaborate on the ideas presented in my essay in the hopes that I can get more hopes and hopefully win something for this competition. ]

Figuring out how to earn your money is most critical component of personal finance and very possibly something which even the best financial advisors would be unqualified to advice on. If you can manage your career and earnings well enough, more than half the battle for Financial Independence can be won. In Singapore, this is compounded even further by our low tax regime which allows most Singapore workers to retain as much money as they can from their labour.

Unfortunately, career management is the hardest and most complex component in …