Here’s my AP Cash Plan—practical, steady, and aligned with a long-term mindset:

Spend: I would set aside a small portion for essentials, especially rising year-end costs such as transport, groceries, or festive gatherings. A modest buffer for daily needs keeps life stable.

Save: At least half would go into short-term reserves. With economic uncertainty and higher living expenses, maintaining liquidity is prudent. A high-interest savings account or a short-tenure fixed deposit offers both safety and respectable yield.

Invest: If I allocate a portion, it would be towards broad-based, income-generating assets. REITs remain attractive at current yields, provided the gearing is healthy and sector outlook stable. Bitcoin is too volatile for a government payout meant to cushion household expenses, so I would avoid placing this sum into speculative assets.

Overall, I would adopt a calm, measured approach: cover essentials first, strengthen savings next, and invest only what I can leave untouched for years.