How would you manage your combined finances as a DINK to hit financial independence? Any advice on investing stratgey and savings?

Great question! Many DINK couples in Singapore focus on financial independence by taking advantage of dual incomes and lower household expenses. Without the high costs of raising children, they often allocate more towards savings, investments, and personal growth. The lifestyle allows for greater financial freedom and flexibility, but it’s also important to consider long-term planning, including healthcare and legacy.

We’re in a similar DINK setup, and what worked for us is treating liquidity tiers as part of our FI roadmap.

We split our cashflow into:

• Core investing – DCA into ETFs (VOO, IWDA) via a low-cost broker.
• Mid-term buffer – parked in something like Tiger’s Cash Boost Account. It gives better yield than bank savings but stays liquid in case we want to pounce on market dips or use it for near-term goals.
• Emergency fund – in a boring high-interest savings account.

What made a big difference was keeping joint goals transparent but still giving each other “fun money” autonomy. Helps reduce money tension and keeps both parties motivated toward the long game.