I'm a uni student too, but only on my second year. But the first thing I'd do is to get my insurance settled once I get a job. Critical Illness, Life Insurance (unexpected death), personal accident, IP plans for Hospitalisation (as a plan on top of medisave). Personal accident and IP plans are relatively affordable, less than 150/yr for each. Basing on low coverage as I'm young. Life insurance is slightly more expensive, depending on how much you want to cover yourself. This is impt. Recently lost a dear friend who is 28. Life is unexpected. CI will take up the bulk, a few thousand/yr. Make sure you have cash to pay the yearly fee up front! You'll get a bit of rebates for that. Nothing if you are paying the company monthly. Cuz more cash upfront means they can invest more. Once you start working, make sure you have an emergency fund. I've seen ppl recommending 3-6months of salary. My goal is 1 year to be safe. On top of this, some disposable income for a house/marriage if you're intending to. Can't give advice on how to budget cuz I'm not there yet. But I'm sure you can find the answer to this online. Atm for investing, you can try DCA into ETFs using RSPs or go into robos (syfe equity100). Unless you're good at picking stocks then go ahead. Imo, I don't see the value of SG stocks. They don't have the growth potential like US stocks. SG stocks tend to hit a value and hover there and pay out dividends, for example our STI ETF. It hovers arnd 3+ precovid. Id choose the US market as capital gains will always beat dividends. Unless I'm older, have more capital, ill buy into safe SG reits for dividends. Cuz atm, I have 2k in capitaland and 2k in ESR reit. The dividends doesn't feel shiok enough. So I'm planning adjust my portfolio, to sell my reits and buy into robos or US stocks. Hope this helps! This is my sharing and not financial advice.