As a young adult the problem is lack of capital. I would recommend focusing on managing your expenses and finding ways to increase capital.

I think you should contribute to CPF for two reasons 1) tax reductions 2) 2.5 % guaranteed interest in OA if you transfer to Sa thats 4 % the money can be used for buying a house later too if you keep in OA. That's a better idea if you don't have immediate investment plans

DBS has certainly become cheaper and is a good investment for stable dividend and potentially as a growth stock. you can consider doing the "cash upfront" option with vickers to have 10 dollars trade commission fee.

Currently safety net strategy - maxed out FRS - contribute 7k into SA annually to offset tax - planning to get another annuity plan for guaranteed income cpf strategy - using Endowus to invest OA at 2k a month - purchased unit trust from AIA more than 10 years ago.

You should stick around till you find a new job. on the flip side why are you not performing ? Have a open conversation with your boss to find out which parts are lacking and what you can do to improve on those gaps. is it lack of training ? Lack of experience ? A short coming will always be a short coming until you fix it. meanwhile if you really have no interest in your current job keep sending those resumes and look for a new job.

I would accept any jobs that comes along, keep improving my skill sets and look for job along the way. Learning is A life long skill and if you do your job well there will always be people who appreciate your work

Sometimes we get stuck in a mind set that is negative and spirals downwards. Try to find ways to defuse those negative feelings. Have an open conversation about it with your boss and suggest ways of improvements. meanwhile keep sending those resumes, look for a head hunter and network Around to see if friends can refer to to jobs

Check and compare prices first but here are a few options - Why mobile - Red white mobile - carosell - look for friends who are a bundle plans from the telcos - they can recontract yearly and they might just want to sell their phones away.

With the sentiment of catching knifes I still believe that buying good companies listed in stock market with sound fundamentals is still the way to go. with the drop in interest rates from the bank, I believe it is still good to keep with the existing programs. depending on your spending habbits OCBC might be the better bet currently. alternatively look at Singlife with its 2.5% potential returns that's quite a good option

My views are that there are quite a few benefits to this 1. security ! especially If you are overseas never know when you card card number will be used for unauthorized purchases people people can actually scan and get your card number with you taking it out of the wallet 2. points ! Grab points are awesome and can help offset travel 3. CC perks - using specific cc like UOB one you can get cashback at an awesome rate