// life & money · 20s
Starting Out
Your 20s are the cheapest decade to get protected and the most valuable decade to start habits. You don't need to be clever yet — you need to be consistent.
// the moves that matter
01
Get basic cover while it's cheap
Health and income protection cost the least when you're young and healthy. Lock the basics in.
02
Understand your CPF
Know what each account does and how your contributions are working. It's already your biggest asset.
03
Automate a savings habit
Set aside a fixed amount the day your salary lands — before lifestyle creep arrives.
04
Avoid the wrong "investment" plans
Some products dressed as investments are really expensive savings. Don't buy what you can't explain.