I kind of regret not starting saving since young and only start after I graduate. But I guess even is too late I still have to keep the habit of saving. It is not easy at the start because you of all the debts. Maybe give you and your partner a range (20% of salary) for the first few years. When things get stable and you all start talking about wedding and applying of house. For wedding, depending whether do both of you want it big or small. Set a budget that both of you can agree on and look around for the hotels that you wan. Apply for credit card that could help you in either cashback or miles? For house, since you have cpf to assist you. You will need to have extra cash for renovating and furnitures (can take note for online or I store sales). Again for renovating you might want to look around to see for the best contractor that can give the best contract.