I am currently 1 year into my first job and planning to propose by next year and get married in 2-3 years time. However, our BTO application have not been successful. What should I do?

Hey, don't feel discourage because the "future" arrangement you just mentioned is my current arrangement! We are already married but living separately as our house is not rdy. Unless your partner cannot adjust to living separately, you can try renting. I think most importantly is to discuss this with your partner:)

Theres a chinese saying no matter how much you plan, the plan cant keep up with the changes. I myself got married this year and i believe i can speak the voices of the many couples who planned to get married this year as well, everyone had to throw their plans out of the window when covid-19 and the ensuing cirbuit breaker began for an uncertain period of time. who knew how many more weeks would CB be extended? Have a timeline but be flexible because at the end i believe your relationship should grow stronger from experiencing the obstacles life throws at you two together. Enjoy the journey!