This is something I have blogged about many times before but I want to remind readers that I am not telling them what they should do. It is really up to them. Take into consideration our circumstances and our beliefs before making a decision. Your flat. Your CPF. Your cash. There are many questions we must ask but, ultimately, there is one question that would determine if we would have peace of mind and it has to be asked. Reader says... I would tink paying for my hdb with oa would free up my cashflow for taking on more risk, ie expanding or going into new biz venture, or picking up financial assets and increasing cashflow. U share that everyone shld do it within their ability and we do not need to copy their own plans. My question to is shld i do so? As i am at the start of paying for my resale hdb ......