Eugene (not his real name) is a 26 year old male Singaporean. He holds a 9-5 job and earns $2,500 a month as an executive in a MNC. Having worked since completing his local diploma, Eugene found his career opportunities and wage growth to be severely limited by his lack of a college degree, his job roles have mostly been in customer service & admin positions.  On a personal level,  Eugene is a avid soccer fan who enjoys placing small wagers on EPL games on weekends.

Earlier this year, Eugene suffered a serious fracture in a soccer game when he was between jobs and was without income for 6 months.  A combination of prolonged bad timing & bad luck wiped out the little savings Eugene had.  After liquidating all his insurance & investments,  he still found it hard to ...