To The Moon

Unpopular opinion: Paying off your mortgage early isn't always "sub-optimal math"—it’s buying your absolute career freedom.

​Use your CPF and savings to wipe out the debt. Remove the golden handcuffs.

​Then start stacking stocks with a clear, unburdened mind.

​Treat Your Internship as an Extended Interview

Approach your internship with the utmost seriousness. Performance is your strongest asset; treating it as a trial period significantly increases your conversion rate to a full-time offer.

​Steer Clear of Chronically Low-Paying Employers

Be wary of companies that culturally or traditionally underpay entry-level talent. Starting your career on a low baseline—combined with meager annual increments—compounds negatively over time, depressing your earning potential for years to come.

​Strategically Job-Hop After a Few Years

Loyalty rarely pays market rate. After gaining foundational experience (typically 2 to 3 years), actively look to jump to a new company to reset your market value and prevent career and salary stagnation

I noticed this accountant appears to have started on a low salary baseline; at his mid-30s, earning only $6.7k feels like a significant red flag.

That chart hits on a reality of career and wealth building: income trajectories aren't linear flat lines all the way to age 65. Data like this shows median earnings peaking firmly in the 40 to 49 age bracket before plateauing and tapering off as people transition toward retirement.

​Optimum loan tenures:

​The 15-Year Sweet Spot: Stretching a loan to 25 or 30 years lowers monthly commitments on paper, but the front-loaded amortization schedule means you are paying mostly bank interest for the first decade rather than eating into the principal.

​The Post-40 Risk: If your peak earning years are your 40s, locking yourself into a stretched-out mortgage that extends deep into your 50s or 60s creates a dangerous vulnerability if earning power flattens or shifts downward later in life.