How do I earn extra money while in National Service without moonlighting?

I think the primary focus for those starting out is active income. The best returns are your time and effort at this age. Then read up massively while savings are being built up.

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My occifer pay went to Evergreen Bookstore in Bras Basah. On good days, I found Freakonomics for $1. Another good buy I remember was The Last Lecture for $2.50. I sold for $8 after reading on Yahoo.

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Like Kenneth Lou, I read the Rich Dad series and played the cashflow game when I was 17-18. I think only one or two of my friends are still actively applying the concepts taught in the game. It was an eye-opener.

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When I was in Uni, I remember committing 1 year to reading a book a week (outside my coursework). I didn't hit 52 books but was close enough - 50 books. That was true education. Not my textbooks.

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Investing in yourself is the true passive income. Or rather, income that will pay never-ending returns.

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Edit: I went for a speed-reading class in the last few months of NS to help me prep for university readings as well as to juice out knowledge from books cos seminars were pretty unaffordable. $210 then, which was a princely sum. But well worth the spend!

Buy singapore savings bonds. You don't have to monitor or look at it cos it has guaranteed returns.