Im 22 and I'm planning on taking a degree. However through calculations and forecasts, my current diploma job will get me to reach my end goal of coastFIRE@45. Can I hear your thoughts on this?

A degree is always valued when applying for a job in Singapore. I wanted to stop my studies after poly but I am glad my uncle pushed me to study for a degree. one year for degree after three years of Diploma is not a long time. That being said it was overseas, things have changed due to Covid-19

if you are looking to be the owner of a business then diploma alone is fine.

if you are looking at a desk job as an employee then degree is a no brainer.

life takes down down unknown paths what we think is going to be long term today might change in the future. Education is never wasted.

By the way, what's coastFIRE? I have never heard of this term at all, just FIRE. I agree that part-time degree is a viable option. But is this related to your diploma? Or else I foresee that it will be hard for you to admit to the degree course if it is not related to your diploma. But I feel like at 22, you should be doing a full-time degree instead.

I wouldn't encourage you to hustle so hard as you seem to be a family-oriented person. Sleeping 3 hours a day for 4 years is very unhealthy for both your health and social life. Unless you really have a understanding girlfriend, I highly doubt that you can date, study and work at the same time, which affects one of your goals to get married early. Life is not a race, it could be good to walk at your own pace and enjoy the flowers along the way.

If the degree is related to your diploma, it will be fantastic because you would have already hit the ground running with your diploma.