There is this deep, personal finance topic that a lot of every day people are trying to figure out that perhaps some financial bloggers do not know.

And once they know it they will spam the financial blogosphere with article.

The topic: should I pay off my HDB loan early?

It didn’t occur to me that this was a big topic until I was asked quite a fair bit by people I first met. Not the ridiculous what Miles versus Cash back competition. It is like asking which fragrance you prefer for the mothballs you put into your toilet bowl.

Then you realize they all earn from any of the mothballs that you buy. If you really want to know, I don’t put mothballs in my toilet bowl (and don’t think you wanna come to my home now  that you know this.)

I think why a lot of friends and