Having proposed to Heartland Girl in 2014, the next correct step would be to decide on the roof over their heads. Correct step? Yes, that is because Heartland Girl has firmly entrenched a modus operandi on family formation in Singapore. Therefore, any Singaporean male who has an intention to settle down would do well to heed the advice of Heartland Girl. Transgress this process at your own peril, as Heartland Boy had painfully learnt. Only after following the protocol correctly was Heartland Boy finally granted permission to discuss openly with Heartland Girl on the choice of housing. However, things were far from simple as the Heartland Couple soon fell into the classic Singaporean dilemma – buy a HDB Build To Order (‘BTO’) or Resale? After much consideration, the Heartland Couple chose BTO over Resale and here are the reasons why.