A total beginner should start by learning how to read annual reports and accounts, and take not of off-balance sheet financing for a debt-heavy company. Next, learn about external and internal factors affecting a company's performance. If you only want to look at macro, go for etfs. They are efficient, but less effective in generating returns. If you have the time to analyse both, pick your stocks and watch them grow.
Youtrip has better rates, DBS allows you to withdraw out anytime (by converting to SGD). Youtrip is a one-way wallet. You can only empty it by 1) using it fully at a merchant, 2) keep the account active, upon expiry, but subject to their approval.
You've got 2 choices: stay, or find a new job. Staying gives you status quo; easier to manage the upcoming additional school work. If you want to find a new job, make sure it give you the time to study too. Every work place will have its fair share of toxic people. You have to settle in your job comfortably first beforing going for your studies.