I'm currently dating a guy who has HDB debts (from parents) of over 30K, despite earning 3.5K/ month. He struggles with savings. What is the best solution to clear this debt?

Perhaps he could get a side hustle and try to earn a little extra to pay off the debt quicker? An ex colleague who retired comfotably in her late fifities told me that everyone should start putting aside 20% of the earned salary no matter how meagre the income is and makes saving up a habit. She did that since in her twenties and by the time she retired early, she became the role model in the office.

Get him to allocate a portion of his salary immediately each month e.g. 1k to repay the debt, then manage with the rest.

take home 2.8k

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save maybe 1.5k per month

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1 yr 1.5k x 12 = 18k

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haven factor in any bonuses

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can pay off in less than 2 yrs

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struggle with savings? that will be an attitude/mentality problem

Talk to HDB to repay the HDB loan as quickly as possible. Delay immediate gratification. Focus on needs and not wants.