What are your thoughts on full time job with no CPF contributions? I am a fresh graduate and I would want to settle down in about 3 years. Do you think putting in your own CPF contribution is needed?

Do you mean being self-employed? If you're self-employed, you'll have to make mandatory contributions to your CPF-MA if you earn above $6,000 per year. If you're asking if you should make regular contributions to your OA to prepare for housing payments in the future, I think it's not necessary. However, I do think it's beneficial. This is because it helps you to:

1. Save up for your house (prevents you from spending hehe)

2. Earn 2.5% interest rate (which is much better than any bank account, cash management solution out there)

3. Keep your money safe