I have $40,000 spare cash to invest from an inheritance. I'm a first jobber and don't spend much, have no debts or financial liabilities. How should I get started?

You haven't felt the need to spend on a house or wedding yet, but you do have a leg up. I would suggest splitting your cash into medium and short term funds. Short term funds should have a 3 day waiting period to resist the urge to spend. Medium term funds should be growing above 4% and locked for periods at a time. Focus on gaining knowledge first. Always remember, never give away what advantage you have, build on it. Increase your exposure to financial literature.

While you are still thinking where to put your money, put it in Singapore Saving Bond (SSB) now. Once you know a better option, then withdraw from SSB.