Should you married young and get a BTO as soon. Or take your time to enjoy life YOLO and save more to invest like 100K invest in insurance and ETF?

When it's time to get married, i will just go ahead. If missed out the boat, might need to wait longer.

Hahaha sometimes it is not about whether you plan but see how circumstances go. but ideally from the people around me, it seems a better idea to marry young, one reason while waiting for BTO and the other is if you have kids, you have more energy for them. When you marry late, less energy for your kids LOL

There is no clear answer to this.

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So my answer/suggestion is for the typical get married, have kids and then retire.

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if you have the same route then look at the alternative thoughts.

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Get married early because your income will grow and you can afford more when you are later in life. You would also have more energy left to enjoy your later years. Things would also be cheaper when you are younger. If inflation is something you complain about, buying things earlier means your money is more powerful. Consider that the statistics says that most people's income level off and drops at about 45 years old and also with CPF allocation changing when you reach milestone age at 35, 45, 55. It would be something to consider. Marrying at 35 and getting a house at that age would mean not being able to use as much CPF for housing, the BTO's may not be available to you because of your income level.

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Now the other argument.

If you are a successful investor, make your investment worth it and pay for your housing with its returns. With this, you don't play by the rule books meaning build a separate income that is above your salaried income. If you are able to do that, then you can YOLO for the rest of your life.

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So, calculate your numbers for your investment, the housing you want, the retirement you need and you will have a plan to guide your next 30 years with an asset accumulation plan.

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enjoy the journey.

Marriage will delay your financial goals. But having a married partner could be more fulfilling in life than hustling alone