We often hear and read of financial advices whereby one of the many ways to reach financial freedom is to EARN MORE and SPEND LESS. And yes, in theory, it is indeed true that when you earn more and spend less, the end result is an increased in savings! This concept paints half the picture. Here’s the reality in most cases if you were to live your entire life in Singapore, working in any jobs. The more you earn, the more senior you are -> the older you are With age comes more responsibilities in life (Housing, Marriage, Children, Ageing parents, Medical needs)

Reality Check

While on one hand, it is comforting for many younger generations to be exposed to various financial tips from vloggers, bloggers and more recently, tik-tokers, it can feel pressurising and intimidating at times for some to adhere and stick to advices...