I would consider myself as a reasonable spender, i don't own a car and my expenses is estimate at most 1k/mth. I still feel like i don't have enough money and forever worried.

Hello, I understand your worries, especially given the rising cost of living in Singapore.

Firstly you need to understand what is the root cause of your worries. Some strategies that I personally find it useful includes setting realistic goals and budgets. Once i did this, I feel more secure in a way that I have planned it out and do what I can within my control.

you can also adopt envelope budgeting method so u can park your money to specific accounts, that might give you more assurance!

Im forever worried as well

When you get out of singapore, you won't feel that way..

I often meet young professionals in Singapore who share your exact feelings - doing all the "right" things financially but still battling constant worry about money. As someone who works with clients facing these concerns daily, I can tell you this anxiety is more common than you might think, even among excellent savers.

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Let me share what I've learned from helping others in your situation:

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First, let's look at your emergency savings. Having 6 months of salary saved is fantastic! But here's a perspective shift that might help: think of it as 6 months of expenses instead. With your current $1,000 monthly spending, you actually have a much longer runway than you realize. This mental reframe alone can help ease some of that financial stress.

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While your high-yield savings account is a smart choice for emergency funds, keeping all your savings there might be holding you back. The key isn't about taking big risks - it's about giving each part of your savings a specific purpose that aligns with your life goals.

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Here's something I've noticed in my practice: many young professionals find their money anxiety drops significantly once they've sorted out proper protection, especially for critical illness and disability income. Think of it as building a safety net that lets you be more confident with your other financial decisions.

Instead of worrying about this vague idea of "the future," let's break it down. What specific milestones are you working towards in the next 3-5 years? Home ownership? Career growth? Having clear targets helps create a focused strategy.

For my clients, I typically recommend this practical framework:

• 40% of savings for short-term goals (0-2 years)
• 30% for medium-term goals (2-5 years)
• 30% for long-term wealth building (5+ years)

From what you've shared, you're actually in a stronger position than you realize. Your disciplined spending and savings-focused mindset are valuable traits - they just need to be channeled into a more strategic approach.

Remember, good financial planning isn't just about growing wealth - it's about creating a lifestyle where you can feel secure while working towards your goals.

If you'd like more insights about strategic financial planning for young professionals, follow me on Instagram (@ngooooied). I share regular tips about personal finance in Singapore and host monthly workshops focused on building financial confidence while balancing present enjoyment with future security.

Your financial anxiety is completely valid, but with the right strategy and guidance, it can transform into genuine financial confidence.