I haven been to uni yet but I'm preparing for it. Maybe you can use for reference and share your ideas too. Personally, I hate debts. It's been well known in Singapore that many of our graduates came out to the society with huge university debt. With the huge amount of debt, a graduate student will be spending the next few years working to pay off his debt and have minimal savings. Thus the first thing is to prepare for the fees. School fees, hostel fees, etc. It will be great if your parents are able to afford and pay for all your fees. 1 less thing off your mind. But unfortunately, I'm not as fortunate. The easiest way for me to get the fees out of the picture will be Scholarships / Bursaries or even Bonds with companies. Thus I actively look for opportunities for the above options. Next, will be on your university lifestyle. - Hostel? - CCAs? - Side hustle for additional income? - Internships during sem breaks? Lastly, I think managing your expenses and savings during university will determine your 'starting point' after university. If you spend extravagantly, on like entertainment and stuffs (which is normal with peer pressure), you will end up with 0 savings. However, if you can learn to resist peer pressure, it help you cultivate the habit of saving, etc. Of course, I'm not saying to avoid all of them, but to manage them carefully and perhaps set a monthly budget for entertainment.