Use what you are given first. All SC are given two chance to buy BTO, lose this will set you back a few Thousand only. You remind me when I was your age. I bought my first HDB in 1988. profit 180k @ 24 second HDB in 1995, paper gain from 250k to 640k @ 31 first Condo in 2006, paper gain 535k to 1,550k @ 42 second condo in 2011, paper gain $1,305800 to $1,588,000. @ 47 Now 55.