The start of your working life In your 20s, very often it is the stage whereby you transition from school to work life. You start to increase and build up earning power and your human capital (energy, connections). Your actual money capital may not be the highest as you are just starting out with little to no savings and potentially some form of student debt. Pros: High human capital (energy and health) and earning potential Low commitments (eg family, home, car loans etc) Cons: Low money capital More active social life and monetary distractions This article looks to share what are the key metrics you should be looking at when it comes to how your finances in the 20s here in Singapore should look like. TL;DR: Best time to get started on the right track ......