This was what I did... The order shows my priority: 1. Do OA to SA and RSTU to hit FRS for myself. 2. Top up child's MA every year 2k. 3. Pay off HDB loan with OA, partial capital repayment. Monthly loan pay in cash. 4. After loan is cleared, channel cash used for monthly loan to return to CPF OA capital uses for pty and accrued interest. I also have my own stocks which I ownself manage, which runs in parallel. Allocation wise, I plan for CPF : stocks and cash = 1:3, then slowly increase the stocks and cash.

Maybe we should qualify it is everyone eligible to withdraw all their cpf. 2 groups : 1. Those who just turn 55 yo 2. Those who are older than 55 yo

I had 100% equities too when i was 25. that was because i didnt deem cash and cpf as part of portfolio lol... it motivated me more to save more and think of it as 100%... follow what rocks your boat. at 35 yo, i included cpf in the portfolio then equities to cpf ratio became 1:1

Can withdraw beyond BRS? No, cash withdrawal only allowed if you have FRS. BRS and property pledge are only for those who don't have FRS. Can treat as fixed deposit? Yes, up to 37k/yr contribution, if MA not max, some goes to MA, then not all 37k will go into OA. If there is balance to do repayment for money used for property and accrued interest, then that's the upper end of contribution limit. However, once withdrawn, you can't deposit the cash back as a savings account.

The 1st question is how sure are you that you will enjoy the 30k/yr job? Is it like a life calling that you know you will stick to it till your death? You probably currently know you dont like the 100k/yr job. Many ppl don't like their current jobs. I certainly don't like mine but it's just a job right? The 2nd question is how important it is to you to enjoy your job? And how much will you foresake for it? Cut expenses? Live with limited options? The 3rd question is which will you regret more in 10, 20, 30, 40 years' time, Not enjoying your job? Or not earning more when you had the chance? The 4th question is will the 30k/year job you enjoy run away or disappear? I.e. will it still be available when you are financially independent? The 5th question is what if the 30k/yr job turns out to be something you dont enjoy after a while? Will the 100k/yr job be still available to you or will you need to settle for another 30k/yr job? You should more or less know what you want by the time you think through these questions.

The most important is to expect your life to not go according to plans... I am the more risk-adverse type so I believed in saving as much as possible, even if spreadsheet says 50% can liao, if have more i save more. Basically cut everything that can be cut. The biggest change is actually after the baby is born. The change I underwent was something I never imagined how I could have planned for. I suddenly didn't have any time for anything and everything, and my monthly savings fell below 50% no matter how I cut, so the only way was to change job to remain sane. If i could turn back time, I probably would have done a lot more things I had wanted to try before baby duties (like mba, learn a new language, learn to play music, work overseas) and not focused so much saving like a miser. 10 years later, I look back and think, ok I saved 500k, but I dont feel like spending it on anything. Taking mba or working overseas after kids is difficult because of the higher direct and indirect costs. Learning language or music after kids is doable but much tougher. I still don't have enough time for many things, dont have time to play games, read books, meet friends, so if value certain activities, fill your life with it because a little ball of flesh will rob you of all your time, for a good long time of your life.

If only life is that simple... Keep your options open, graduate first, then follow your friends to get a job, talk to real world ppl (student life is still pretty much bubble life), talk to other office ladies with simple job, 2 kids, loving hubby, then set your compass. I don't mean to scare you but there are ladies doing simple jobs (2k-3k) unhappy with their jobs, because they wished they can earn more so that they can contribute more to the family.

You need evidences, either through his phone conversation, or photos, but most important criteria for adultery is you need to prove that they slept together so unless the other girl is pregnant, usually PIs are hired to get the evidences, heard that this can cost 7-10k. Next is you must ensure he holds a job for at least 6 months. If he has no income, you are on your own. Custody to you is usually not an issue if adultery is proven. Same for reverse situation if wife no income, adultery, husband still pay maintenance. If wife have income, adultery, husband can argue not to pay by saying have to maintain kids. Finally, make sure you dont drag too long, cos after 6 months, it's deemed consent to adultery. And then if lack of evidence, you may have to go through 3 yr separation first before divorce.

You can just wait for good IPOs then apply a lot to get higher allocation. E.g. share price $0.40, then apply 500 lots (500,000 units), usually get about 6 to 8 lots. In the meantime keep in those ~1% p.a. savings account.

If want forced savings contribute to cpf? If want to save for studies in 2 yrs time, just use higher yield savings account. Depends on what your cash needs are.