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Basic Financial Planning Guide for entrants to the workforce

Your first pay cheque is a bigger opportunity than you realise. Learn how to budget, maximise CPF, get insured, and start building wealth from day one.

Last updated 11 May 2026

Illustration of a person with financial advice: save 3-6 months' expenses, keep insurance premiums under 15%, and invest 10%.

If you have just started working (19 - 29 years old)

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