The early phase of your young adult life involves getting started in working, earning income.

It also involves some big milestones that young adults have to come to terms with in Singapore.

You need to apply for a BTO HDB flat early because it will take some time (3-5 years) to build.

Once you get the keys to your flat, you have six months to register to be married. Most couples usually bundle the traditional wedding together.

For some couple, they plan to have the baby within the first 2 years.

This is the script.

Financially, the challenge is that these milestones do cost a fair bit of money.

I would have thought that how to navigate and tackle the financial and non financial side of these milestones would be out there. Your seniors and friends who experienced this would have shared your experience.

But some of my friends, it …