Dividing your salary kind of question seems like an age old question. You can find standard answers for similar questions here. I think having a rough end goal in mind is important because it keeps you focused. While plans may change as you goes through different life stages, discipline and hard work are habits that stay with you, and they take time to nurture and build up. Anyway to answer your question head on, I would allocate 10% for skill learning (courses etc.), 10% for travels (to widen your perspective), 20% for cpf (compulsory), 10% on insurance (to play defense), and the remaining split between expenses and savings (and make sure you have 3-6 months of salary as emergency fund). Once done, any extra cash that you have should be allocated into different investment instruments that will give different payouts at different times (retirement, marriage, house, children etc.) Basically what I'm saying is you need to have a purpose for the money that you have set aside, and know what the objective is. Saying that you want to earn x interest is not good enough.