My mother is someone whom I really look up to in terms of day to day living habits. She does not ever go for branded items (eg branded bags etc) but instead just choose to choose the most reasonably-priced item that can fulfill the primary purpose even when she does have the mean to go for these material goods.
Yes i would consider CPF to be part of my overall networth because it is indeed money which can be used to purchase your house, investment and for healthcare purpose. But if i want a clearer view of my portfolio, in my tracking excel, I would have 2 categories - liquid and illiquid cash holdings to have a clear view of what is the amount that i can tap on for any emergencies for instance.
I do think a degree is required if you want to at least reach the median salary level of Singaporeans. Also, studying for a "paper" is never a waste of time as the process of learning allows you to develop your mind & even your character for the future.
I am taking home slightly more than 2.5k each month, I save slightly more than 1.5k a month. Can probably save more however i do not have the habit of tracking my expenses - which i figured out I should start now as it really makes a difference from what i see.
I personally think perhaps it would be better to continue to save up more before you start investing as 10k sounds more like a rainy day fund to me, so if I were you, i would probably continue to step up my saving & earning efforts and meanwhile, do more readings and educate myself on investing and the different products in the market! :)