Beside the money under your pillow or in your bank account(s) and the shares/REITs in your CDP account, as well as the physical properties in your real estate portfolio, the other equally important asset that we all should amass is the skill sets/knowledge. That's where SkillsFuture initiative came in to promote lifelong learning. I have checked with a few of my close friends and understand that all of us (including myself :-)) have not really made use of our SkillsFuture Credits (SGD500) since the implementation in 2016. Have you utilized yours? These are the free money from Government to help upgrade ourselves (be it for career or personal purposes) and I think we should make full use of it, as early as possible. Not only that, Government has up the offer recently by providing additional funding for many of the eligible courses/workshops/programmes i.e.: Singaporeans and Singapore PRs ......