2 cases to share: 1) aquantaince in uni asked to meet up for lunch to chat. In a separate uni clique a few of us have also been approached so i know what she wants. I told her directly that all my insurance needs are alr taken care of by an agent that looks at my whole family, but if she wants to meet up to chat or to practise her pitch I'm ok. So we just met up for lunch and chatted about random things in uni. Did not talk about insurance at all. And also never spoke or met ever again. 2) jc friend asked to meet for dinner to catch up. Treated this case somewhat different because she was a friend, not just an aquantaince. Met, chatted, eventually diverted to insurance but same thing i said i had a family agent. And it so happened that anyway she was working for the same company so she didnt continue trying to sell me anything. Now she still keeps in contact for promos from the insurance company. I think lesson learnt from these 2 cases is to set the tone right from the beginning. If you don't give them the hope that you'll become a client then they'll most likely leave you alone.

Maybe think about your motivation behind wanting a career change? Is it a push or pull factor? Not sure it's enough to say you "want a new experience". If your current role allows you to do your part time uni with minimal distractions, I'd think it's wise to stay till you're done with the degree before moving. After the degree, if you still wanna explore, you may want to consider requesting for a different role in the same company for a different experience, or really find another company.

Get the 100k job and do my passion as a hobby.

I think overseas property q popular! And maybe birkin bags ba like Jamie Chua?

When i realised the ocbc 360 account gave better interest. Then i tried to structure my expenses, and eventually slowly explored other financial tools.

You're at the right place then, welcome! Search around the questions and answers here, most likely you'll find what you need and more! Then also pop over to our fb community for more regular and light-hearted discussions :)

CPF is a retirement fund that the govt forces on everybody. To ensure its people age well, the basic thing the govt can do is to help us have enough money by then. You wanna use the money, you follow its terms and conditions. If you can pay w cash instead of CPF then you pay less when it comes to the 2.5% lor. Call this a paternalistic state or whatever, but not everybody is financially savvy enough for the govt to allow much flexibility. If you're good enough at investing then go earn more than 2.5% so that you have no worries repaying. If you borrow from a bank, you need to pay interest. That is why you pay hdb the 2.6% interest. If you use your CPF money, you are sacrificing the interest it otherwise earns. So it makes sense that when you return the money, you include the interest. Because that makes up your retirement funds anyway. Borrowing money from your future self means you need to pay your future self the interest he/she deserves.

Wondering: 1) if PWDs have different types of insurance, 2) if banks have staff fluent in sign language or documents in Braille, 3) how equipped are social workers at disability associations to handle personal finance matters?

It's never too late to learn new stuff, but w your current commitments you might need to prioritise. If it's sth that helps you become better at work, are there grants, sponsorships or scholarships which could help you financially and perhaps improve your career prospects?

Is there a community of people w coding careers that you can consult on what a coding job entails? I'd imagine that coding as a weekend hobby would be q different as coding for a living. And i dont think age should limit you from switching careers as long as you make an informed decision. All the best!