What should I be aware of financially? I'm 26 this year and planning to start a family in the coming 3 years,

Before marriage, better to stay .frugal. Dont buy liabilities like cars and dont spend too much on holidays

Save up for wedding, hdb and child expenses.

• $$$ for Wedding and housing, major expenses.
• At least $50k each, in your bank and your spouse before that.
• If you and your spouse is frugal, will be an easy task.
• Split the bill 50-50.
• Should have more than enough.
• Have kids ASAP. Then "close factory".
• You dont want your kids still in secondary when you are in your 50s.