Your building decade
Growing Family & Career
Rising income, a full calendar, and decisions that compound for decades.
The temptation is to optimise everything. I'd gently push the other way: build a foundation steady enough that you can stop worrying about it and get back to your life. Start wherever your questions are loudest.
In this season
Five decisions, in full
Build the foundation
Net worth as the one honest scorecard, a right-sized buffer, and boring, regular investing that beats clever timing.
See the full breakdown →02Paying for their education
Local vs overseas costs, and the simple monthly maths to fund it — without locking into the wrong product.
See the full breakdown →03CPF, optimised
The 4% Special Account, top-ups that cut your tax bill, and why the best move is often restraint.
See the full breakdown →04The sandwich generation
Raising kids while supporting parents — and why their security is quietly part of your own plan.
See the full breakdown →05SRS & tax relief
The legal tax break most people skip — what it saves at your marginal rate, and the rules that make it worth it.
See the full breakdown →A tool to take with you
Family Financial Foundation
A net worth tracker, an emergency-fund calculator, a no-frills education planner, and a once-a-year review checklist.
Download the templateReading is one thing; the short list of moves is another. The 40s checkpoint — the last easy decade to fix things — sits with the other milestone checklists, all on one timeline.