I'm feeling a lil sian for the lack of a better word. This 100k by 30 benchmark is making me unsure of my financials. Should i include the $$ that's set aside for my house+reno or exclude it?

100k by 30 seems to me as an arbitrary goal. Some people's origin is your destination (eg if they are born in a very wealthy family). I think the better view is to set a goal based on your own circumstances and work towards that.

Hello new here and can relate to op. I was looking to put some of my savings in a fuss-free high interest savings account like singlife, gxs (when it opens up it's waitlist) or even maribank? heard maribank is having a promotion now with shopee as well - any recommendations?

There are definitely different standards for different types of situations. Do not be disheartened by it.

Include your CPF if it makes you feel better