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26-year-old S’porean shares how he budgets S$1000 monthly

SINGAPORE: A Singaporean shares how he budgets S$1000 monthly. The man is in his twenties and shared his goal to “save as much as possible early on” while ‘”cutting living expenses to the bone'”.

He said on social media, “Just wanted to share what my (26M) budget looks like… I am trying to save as much as possible early on so the compounding effect is greater. As you can see, this is definitely not for everyone – this is a barebones lifestyle. And I am lucky that my parents are only willing to accept a small contribution from me towards household expenses.”

Breaking down his living expenses, he added:

  • Phone bill – $10.80
  • Food – 22 days * 2 * $4 = $176 (same caipng stall every day, lunch and dinner)
  • Public Transport – 22 days * 2 * $1.38 = $60.72
  • Weekly dates – $50 * 4 = $200
  • Contribution to family expenses = $600 (includes breakfast and weekend meals)

One Reddit user named Wheynelau commented he shared the same concern about the need to save before, but then he realised that one could easily lose one’s savings. He shared, “I was very concerned about savings as well, then I read about some news or an article about how you might just lose your savings the next day. I was even ready to stay in my job (Government related) till 60. Terrible mental health and wlb but it’s everyone’s favourite ‘iron rice bowl’.”

As he offered advice, he added, “The better approach is investing in yourself, in terms of skills and mental health. Don’t save too much but don’t splurge.”

Another Redditor, lost_bunny877, chimed in and shared, “there is living and then there is barely surviving. You are barely surviving. You are only 20 once. You need to invest in yourself. Gain experiences in your 20s by GETTING experience. Saving money is NOT a way to gain wealth. Making more money is.”

Showing concern, chiviet234 added, “Make sure you get enough nutrition from your food. Health issues in the long run will cost significantly more than the amount you can save eating the same $4 meal everyday.”

BrokenCatMeow shared valuable insight on the matter saying, “A very different POV from most in this room; You will only be 26 once and many things that you could be doing at this age will only be available during this period. Don’t limit your life now, money will come later if you work hard and smart. Enjoy your youth, because it is the right time to do it. Running a barebones budget now just to save a couple of Ks that may not even be financially material in your later years is just missing the point.”

Hoping he got his point across, he added, “I hope you understand what im saying. I’ll gladly take my youth over a few hundred grand today. Enjoy life when life is the most colourful and fun.”

Ultimately, finding the right financial balance is a personal journey, where saving for tomorrow and embracing life today intersect.

14-year-old boy sent to hospital after being hit by car in Toa Payoh

SINGAPORE: A 14-year-old boy has been hospitalised after he was involved in a car accident in the Toa Payoh neighbourhood yesterday morning (Oct 4).

The police have confirmed that they received a call for assistance at 8.44 am, reporting an accident involving a car and a cyclist along Toa Payoh Lorong 6, going towards Lorong 1.

Photos taken by eyewitnesses were shared on the SG Road Vigilante Facebook page and show that the impact of the crash was so severe that the windshield of the car was cracked and the bonnet of the vehicle was significantly dented. Photos show a person lying in front of the car while a bicycle can be seen lying on the ground, with a white school shoe balanced on one wheel.

Police said the 14-year-old cyclist was conscious and has been sent to the KK Women’s and Children’s Hospital. Investigations are ongoing.

Maid says her employer asks her to work for an additional 2 months after her contract and Work Permit expire

SINGAPORE: A foreign domestic helper took to social media asking for advice after her employer wanted her to work for an additional two months after the expiry of her Work Permit (WP) and contract.

In an anonymous post to a support group on social media for domestic helpers and employers alike, the maid explained that she signed a contract with her employer on Nov 14, 2021. Her Work Permit (WP) was approved on Nov 27, 2021. However, because her employer went on holiday for the entirety of December 2021, she only officially started work in January 2022. Because of this, “now my boss wants me to work with them until January 2024 without renewing my work permit”, the helper wrote.

“Is it possible to work with them even if our signed contract will end this November 14 and my work permit will expire on November 27?” she asked others in the group.

Netizens who commented on her post said that it was not necessary for her to renew her contract with her employer, but she needed to have a valid Work Permit for as long as she was working in Singapore.

One netizen said: “No you can’t stay until. January. You will be overstaying in Sg and u might be penalised or what.. Even they extend it will only be for 1 month. In case they won’t renew ur permit or buy u a ticket before November 27.. Pls call MOM or CDE and ask for help”.

Another commented: “U better talk to ur Employer before ur wp expiration at least 2 months before so that u have enough time to look for a new Employer in case she doesn’t want to renew ur wp. If ur wp expired u have 14 days to stay and look for a new Employer to apply ur wp again if not u have to exit from Sg”.

Last month, a foreign domestic helper took to social media asking what her options were after her employer cancelled her Work Permit (WP). In an anonymous post to a support group for domestic helpers and employers alike, the maid asked if she could stay in Singapore even after her employer cancelled her Work Permit and brought her to the airport to send her home. “Can I stay ?If yes, how long?” she asked.

According to the Manpower Ministry (MOM, “Depending on which comes first, you must cancel the Work Permit:

The MOM also said that before cancelling, an employer has to:

“Give reasonable notice of the worker’s repatriation.

  1. Seek tax clearance from the Inland Revenue Authority of Singapore (IRAS).
  2. Settle all outstanding employment issues your worker may raise, including salary payments.
  3. Ensure your worker has a valid passport.
  4. Buy an air ticket and pay for any connecting transport costs to the international port of entry in your worker’s home country/region nearest to their hometown:
    • You must pay for the air ticket, and it must include check-in luggage.
    • The departure date must be within 2 weeks from the cancellation.

You and your worker should also discuss and agree on the following in writing before buying an air ticket:

  • Transit arrangement, such as connecting flights and layover hours
  • Allowance needed to sustain the worker during the transit”

Should the worker still be in Singapore, the employer has to print a Special Pass for her.

Maid wants to stay in SG after employer cancels her Work Permit

10yo child prodigy attends uni, gets PhD at 16, still jobless at 28, and still financially dependent on parents

CHINA: By all accounts, Zhang Xinyang should have been primed for success. He won a spot in university when he was only 10 years old and, by the time he was 16, was already a PhD candidate in Applied Mathematics. But today, at age 28, he now says “sitting around and doing nothing is the key to lifelong happiness.”

Mr Zhang lives in a rented flat, has no full-time job, only has a few thousand yuan in savings, and still relies on his parents for support. So is he a victim of his own success?

In a report earlier this week, the South China Morning Post said that Zhang had once been famous for being his country’s youngest university and graduate student. When he was just 16, he was already a PhD student in Applied Mathematics at a top Beijing school, Beihang University. Previous to that, he had already won a number of gold medals in international competitions.

At 10, he entered Tianji College of Engineering, and at 13, he enrolled at Beijing University of Technology for his master’s degree.

But in 2011, while doing his graduate courses, he shocked society by demanding that his parents buy a Beijing apartment worth 2 million yuan (US$275,000). He told them that if they refused, he would halt his master’s studies and turn down the offer for him to get his doctorate.

What his parents did, however, was to rent an apartment for him in Beijing, but told him that they had purchased it for him, said state broadcaster China Central Television (CCTV).

CCTV quoted Zhang as defining success in its 2011 report as “Buying an apartment, finding a good job, and a Beijing hukou – and so becoming officially registered as a city resident.”

He told his parents, ”You expect me to stay in Beijing more than anyone, and you should try hard” to buy him an apartment.

In 2019, after he finished his doctorate, he worked as a lecturer at Ningxia University. But two years later, in 2021, he resigned. Since then, he’s been doing project-based freelance work and lives in a 2,200 yuan per month rental flat in Shanghai.

Furthermore, the savings he put aside from his time of teaching at Ningxia University have been dwindling. He relies on his parents to help him out financially as well.

Moreover, his definition of success has now changed dramatically, preferring to sit around and do nothing to make him happy.

He told Jiupai News late last month that his parents “owe” him. “The apartment they never bought me should be worth over 10 million yuan (S$1.9 million) now.”

Mr Zhang’s story has divided netizens, with some characterizing it as the “downfall of a prodigy,” while others claim “His parents were obsessed with cultivating a prodigy and eventually he compensated for his missing growing process in another way.”

Another opined that Mr Zhang ”didn’t become an elder-gnawing adult all of a sudden. He had given up after trying to break free many times and failing”. /TISG

Netizens salute parents of 12yo SG whiz kid working toward advanced degrees in math & music

Man says foodpanda is “forcing me to spend this refund on their platform”

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SINGAPORE: In a Reddit post, a man complained that foodpanda made a ‘mistake’ of refunding his orders through pandapay instead of his original payment method.

Ordered a $303 food order for a small corporate event. Only the mains arrived with the sides and drinks missing.Filed a missing items request,” the man shared in his post regarding the incident. “After 2 days, the foodpanda staff processing this refunded incorrectly to my pandapay (there is not option in app to transfer it back to any external payment method), locking $104 in my pandapay for ‘use in my next order’”, he added. 

The man reached out to foodpanda and had the opportunity to chat with employees named ‘Jack’ and ‘Eric’. According to ‘Jack’, the refund can be transferred to his original payment method if he updates his mobile application. 

“After taking me for a loop insisting I update my app etc so that I can access the refund to original payment method option, he ended the chat abruptly,” the man mentioned. 

More so, ‘Eric’ said that since the refund was already transferred to pandapay, nothing could be done. 

“So I’m now stuck with $104 in a wallet on a service that I don’t intend to use (usually use Grabfood) but am forced to,” the man concluded. He added a disclaimer that he made sure all the refunds were to be transferred to the original payment method in the mobile application setting, and he has received a small amount in it. 

The Independent Singapore reached out to foodpanda and received the below statement that clarifies the matter:

Statement from foodpanda 

Ordinarily, refunds made to a customer’s pandapay wallet can be transferred to the original payment method by selecting the order which was refunded from the “Recent activities” section in their pandapay wallet. However, in select cases, including taking into account the customer’s transaction history on the platform, a transfer to the original payment method is restricted. Thus, in this instance, the refund was issued to customers’ pandapay wallet, and they can use their pandaway wallet balance to pay for future orders on the platform.

The refund to pandapay wallet also allows customers to receive their refunds instantly, and can be easily redeemed on their next order. In comparison, a refund to the original payment method may take a few working days to process.

Foodpanda confirms layoffs, explores partial sale of business

KF Seetoh: Don’t do selfies with just Shanti; support all our athletes

SINGAPORE: Like many Singaporeans, food guru KF Seetoh congratulated runner Shanti Pereira on her epic wins at the Asian Games but took things one step further, telling officials to support all the country’s athletes, not just the ones who bring home medals.

He also discouraged officials from taking selfies with Ms Pereira and “claim the credit after her win,” pointing out that founding Prime Minister Lee Kuan Yew had never done so in his time. The credit should fall on her and her coach’s shoulders, added the Makansutra founder. “… please, don’t do your selfies with her and glow in her limelight and claim credit..after her win. It’s all her and her coach Luis Cunha. LKY never took pictures with Chee Swee Lee,” he wrote.

“Nobody loves a loser. But if you are a somebody, you will support Shanti because you champion her aspiration and determination, even if she brings no medal home,” wrote Mr Seetoh in a Tuesday (Oct 3) Facebook post.

Instead of taking and posting selfies with Ms Pereira, Mr Seetoh suggested that officials “Go do so with the other upcoming athletes. It encourages the nation and that’s the true spirit of support for sports or any culture you believe in. Be the wind beneath their wings, not the pressure on their backs.”

He added that everyone wants Singapore’s swimmers, surfers, ping pong players, fencers, and other athletes to bring home “another Olympic gold” but “what’s meaningful and energising to the athletes is knowing we all got their backs, support, and belief in them now just because they did their best, not because they won.”

This would both empower and encourage the athletes, he wrote.

He ended his post with a personal message for the runner: “Congrats again Shanti… I never doubted your aspirations. Keep Calm and Stride On.”

The athlete cemented her already solid place in history, winning the women’s 200m final at the Asian Games at Hangzhou on Monday (Oct 2) after bagging the silver in the 100m a mere 48 hours before. The country rejoiced, celebrating Singapore’s first gold medal in athletics in almost half a century when Chee Swee Lee won the women’s 400m in 1974.

It’s been a stellar year for Ms Pereira. At the SEA Games in May, she clocked a time of 11.41 seconds in the 100m event and set a new game and national record in the 200m race with 22.69 seconds.

In mid-July, she claimed back-to-back wins at the Asian Athletics Championships in Bangkok in the 100 and 200-meter races, breaking the national record for the 100-meter with a time of 11.20 seconds. /TISG

Shanti fever: Pritam Singh momentarily halts MPS for Sprint Queen’s historic win

Cost of living crisis: Defer GST hike, says WP MP Louis Chua

SINGAPORE: Speaking in Parliament, Workers’ Party MP Louis Chua (Sengkang GRC) asked the Government to defer the proposed Goods and Services Tax (GST) hike. The GST was raised from 7 per cent to 8 per cent this year and set to go up to 9 per cent on Jan 1, 2024.

Urging the Government to defer the hike, Mr Chua cited the “cost of living crisis which is threatening the living standards of many Singaporeans” and “a better-than-expected fiscal position for the Government”. There have been “yet another year of record high collections of corporate income tax, personal income tax and even GST,” he noted.

“I find it difficult not to feel a strong sense of imbalance and injustice here,” he said, having begun his speech by saying that higher living costs are the number one issue that residents speak to the WP team about when they go on house visits.

@thehammertok

With likely better than expected fiscal performance, could we not consider delaying the increase in GST to 9% in 2024? #wpsg #sgparliament #sgnews #louischua

♬ original sound – The Workers’ Party 🔨 – The Workers’ Party 🔨

“Indeed, the World Economic Forum Global Risks Report 2023 ranked the cost of living crisis as the top-ranked global risk by severity over the next two years, given stubborn inflationary pressures, food supply, and energy supply concerns,” noted Mr Chua, although he acknowledged that the inflation rate has gone down of late.

However, at 4 per cent, it is still higher than the 1 to 2 per cent rate that Singaporeans have been used to for decades.

He listed as well the current and coming price hikes that have caused concern to residents: “Electricity prices up by an average of 3.7 per cent compared to three months ago, gas prices up by 2.3 per cent compared to three months ago, public transport fares set to go up by 7 per cent next year, with another 15.6 per cent points of future fare increases yet to be inflicted on commuters, unleaded 95-octane petrol now close to S$3 a litre and of course, not forgetting COE prices which continue to set new record highs with Cat A at S$105,000 and Cat B at S$140,889.”

“Could we not at the very least defer the planned increase in GST in 2024?” he asked.

He noted that with the GST raised from 7 to 8 per cent at the beginning of the year, the Government expects GST revenues for this year to be S$2.9 billion higher than last year. This, Mr Chua said, is already close to what the full GST hike was supposed to bring in.

“With Government revenues already better than initially projected at the five-month mark, is it that difficult to delay the second step of the GST increase?” he asked.

“I leave Singaporeans to draw their own conclusions.” /TISG

Resident tells Jamus Lim that higher prices are “too close, too many, can’t breathe”

 

Man left his banking job to run father’s restaurant, earns Michelin recognition

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SINGAPORE: Ryan Chua, a former banker, has taken over Joo Siah Bak Koot Teh, a beloved food stall in Singapore serving fragrant pork rib soup, or bak kut teh, for over three decades.

Founded by Chua’s father, Sim Huat, in 1985, this humble eatery has earned a reputation for its unique Teochew-style bak kut teh, earning the prestigious Michelin Bib Gourmand recognition for three consecutive years.

Preserving family legacy

In a quiet neighbourhood on the western side of Singapore, Joo Siah Bak Koot Teh stands as a testament to the enduring tradition of bak kut teh in the city-state. The stall’s beginnings were marked by adversity when Sim Huat lost his job during a recession in the 1980s, yahoo!news reports.

Determined to overcome financial hardship, he embarked on a culinary journey, learning the art of bak kut teh from his brother-in-law and setting up the stall in northern Singapore.

For nearly two decades, Sim Huat ran the business, and it was only when he contemplated retirement that Ryan Chua decided to make a career shift from banking to continue his family’s legacy. Since then, Chua has dedicated a decade to running the eatery, which has moved to a larger location in Jurong East.

Teochew tradition with a twist

What sets Joo Siah Bak Koot Teh apart is its Teochew-style bak kut teh, distinct from the darker, soy sauce-infused Malaysian version. KF Seetoh, a local food critic, emphasized the uniqueness of Chua’s offering, stating, “If you go to Malaysia, you won’t find this style commonly.

According to Chua, the key to the dish’s success is the delicately balanced flavours, with a focus on white pepper.

Bak Kut Teh
Photo: Marielle Descalsota / Insider

Chua starts his day early at 6 a.m., preparing each batch of bak kut teh from scratch, using fresh ingredients, and ensuring the broth is perfectly tender. In an era when many opt for shortcuts like powders and pastes, Chua’s commitment to traditional preparation methods is a rarity.

Joo Siah Bak Koot Teh also offers other Teochew dishes, including braised pork and pork innards, alongside its signature bak kut teh. Customers can enjoy a complete meal with dishes like braised peanuts, adding to the eatery’s appeal.

Michelin Bib Gourmand recognition

One of the most prestigious accolades in the culinary world, the Michelin Bib Gourmand, has been awarded to Joo Siah Bak Koot Teh for three consecutive years.

According to the Michelin Guide, the Bib Gourmand award means “not quite a star, but most definitely not a consolation prize” and “is a just-as-esteemed rating that recognizes friendly establishments that serve good food at moderate prices”.

Chua’s eatery was named in the 2021, 2022, and 2023 editions of the Bib Gourmand. He said the first time the eatery was awarded the Bib Gourmand he was surprised — he didn’t even know about it until a friend sent him an article about the list.

“We feel good that the hard work that we’ve done has paid off, I mean, my dad has been doing this for over 30 years,” Chua said, adding that he felt “proud” to be part of the esteemed list.

Joo Siah Bak Koot Teh Kopitiam
Photo: Marielle Descalsota / Insider

Despite its accolades and popularity, the eatery remains rooted in its origins, operating from an open-air food court known as a kopitiam. This setting provides an authentic experience for customers who can witness the preparation process and the pots boiling, as Seetoh explained.

As for the future, Chua remains focused on perfecting his bak kut teh and hesitates to expand. He stated, “I just hope I can carry on this legacy and share Singapore food with others.”

His dedication to preserving a culinary tradition that spans generations is a testament to the enduring appeal of Joo Siah Bak Koot Teh, making it a must-visit for locals and tourists alike.

Maid: If I’m blocklisted, can I be back to SG after 1 year to work?

SINGAPORE: A foreign domestic helper took to social media asking about what happens to blocklisted maids. In an anonymous post to a support group on social media for domestic helpers and employers alike, the maid posted a query on behalf of her friend. She wanted to know if a helper could still return to Singapore to work even after being blocklisted.

“Anyone here know if you got blocklisted here is there any chances to work again after a year? Or how many years is the consequences on being blocklisted here?” she wrote. The helper continued: “Because I have a friend asking for helped to work again here because after she try to apply in agency the agent told her she’s not eligible for work pass.then she just go back to her country around February”.

Netizens who commented on her post seemed to be unanimous in their reply that once a helper was blocklisted, she would never be able to come back to Singapore to work. One netizen replied differently: “It depends on her case, it is stated 6months to 7years… WP holder can be ban for a year if MOM caught illegally selling or working.. You try to google search”. However, most other netizens said: “normally theres no one year ban frm MOM, now adays once banned she cant come back anymore”.

Earlier this year, a foreign domestic helper took to social media after she felt hurt when her employer’s child was rude to her. In an anonymous post to a Facebook support group for employers and helpers, the maid asked others for advice when the child did not listen to her. The maid wrote that when the family went out to eat or for a walk, the child would always ask her to go away and tell her not to join them. She wrote that the kid would also always say that he did not like or love the helper which she always found very hurtful.

“there was one moment when he now dared to say it in front of his mother and father but neither of them responded ….. it really hurt me so much” she wrote. She wrote that when she discussed returning to her country with her employer, he would always threaten to report or blacklist her so that she would not be able to work in Singapore again. “i can’t stop thinking what i do if like that”, the maid wrote.

Maid gets upset when employer’s child is rude to her, ‘Sir’ threatens to blacklist her when she says she wants to return home

Babies used to be “profit centres” but now they’re “cost centres”

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SINGAPORE: Babies used to be “profit centres”, now they are “cost centres”. That was one of the explanations offered on Reddit for Singapore’s low birth rate. Another explanation offered: Singapore is a city; villagers produce more babies. Diverse indeed were the views expressed when a Redditor asked, “Is Singapore really doing all it can to improve the problem with low birth rates?”

The Redditor wrote many of his friends had already been married for a few years and thinking of having children but were concerned about “the sheer cost of raising a child in SG”.

“I’m not familiar with policies surrounding the matter but watching from a distance, it’s always something that’s intrigued me,” the post author added. “Given the general affluence of our country, and the vast amount of funds we have in our reserves, why doesn’t the government simply throw more money at the problem?”

Money was not the solution, countered a fellow Redditor. “People say they would have kids if they could afford it. But, statistically, poorer nations have more kids and poorer people have more kids. In agricultural societies, people have kids because those are good sources of economic labour for their farm. Kids in a developed urbanized society are an economic drain to the individual parents.  Add in women’s education, women’s financial independence, and the availability of birth = women can choose not to have kids. Add in the decline of religion, and people no longer feel they should have kids to be virtuous people.”

“All valid points,” said a third commentator. “But pro-natalist social policies mean the difference between holding the TFR around 1.5-2.0 (like in the Nordic countries) and -1.10 like the developed Asian countries.

“I think the government should throw some money at the problem,” agreed another Redditor. “Totally free health care, education, child care, student care, etc. Government probably shouldn’t be literally throwing money at parents, though. If the amount is big enough, some people might be stupid enough to have babies for the sake of money. And I think those people tend not to be good parents. That said, money is only one of the many factors. WLB [work life balance] is often the biggest one.”

“I’m a parent,” commented another, “and my experience is it’s cheap to be a parent if you’re looking for the basics. Basic milk powder, basic food, polyclinic visits – these are all affordable. It’s expensive when you want to zhng up your kid. Enrichment lessons… private doctor. Etc. If you are a middle class parent, there is tremendous (social/internal) pressure to provide that high-cost experience. I tracked my expenses, and if I gave the basic experience to my kid, I would have made a profit after the government cash grant (for the first two years). But that’s just the financial aspect. There’s also the social aspect (time taken to look after the kid, career concerns, etc). Those can’t be solved with money.”

“Even if the government does decide to subsidise parents a bit more, it is hard to tell if more couples would want kids,” said another netizen. “Because such costs include freedom of time and availability of energy. Having said that, I support giving more help to parents (including single parents). Having kids requires strong long-term commitments. Because it used to be a village raising kid. Now, it’s a couple.”

Another Redditor agreed, “My sense is that money will not entice those who have decided not to have kids because of lifestyle choice or other reasons. In the late 1980s, the government did throw money at graduate mothers with sizeable amounts but it did not move the needle. Those who want to have kids will have kids and they will know how to make ends meet. Less expensive car, less spending on dinner and drinks, etc. Investing in the kids. Of course, they will appreciate any extra money thrown their way. Only thing left is for immigration of young foreigners to cover the replacement rate and carry the burden of supporting the elderly.”

Low birth rate is a problem widespread among developed countries, said another commenter, who said: “With education, the perception of the role/rights of children as well as the options/opportunities for their parents change and, with it, the incentive to have more kids decline. In particular, kids that were previously profit centres (source of elderly support, additional labour) are now seen as cost centres (childcare, medical, education) because people are more keen/aware how to raise them ‘right’ in terms of time and money. Moneywise, I’m not sure what else really will move the needle in a prudent fashion. Also, many of us can “afford” to have kids but have no time to be with them.”

But while a low birth rate is a common problem among developed nations, “Singapore is doing much worse than many other developed nations,” said a Redditor. “While not at replacement rate, the TFR of Nordic countries is significantly better than ours. Among them, one of their lowest TFR is 1.3 and that is Sg’s TFR more than 20 years ago.”

“Singapore’s TFR is lower than that of other nations because you’re comparing a city’s TFR with that of a national TFR,” pointed out another commenter. “National TFRs are higher because they include rural areas which don’t have as many factors lowering fertility rates as compared to urban areas. If you look at data from Finland, their rural TFR is 2.29 while their inner urban TFR is only 1.1, not too far off from Singapore’s 1.05.”

Singapore’s total fertility rate (TFR) reached a historic low of 1.04 in 2022.

Another netizen claimed, “The government is importing instant citizens, instant available taxation, increased demand for housing, services and revenue, leading to increase in GDP. And population growth achieved without spending decades on schooling and subsidies for local born. Why worry about political ramifications when instant citizens will always be grateful to be here and will vote for the ruling party that gave them citizenship. Locals seeing runaway property prices are more than happy to close their eyes to the cost of living issues with population growth. After all, their HDBs are worth millions now or in the near future.”

“I’m a parent,” said another Redditor. “To be honest, cost is not a super barrier, not that me and my wife have high income, we’re average or below SG average. But we’re not luxury driven and we know having 2 kids would mean sacrifices in our lifestyle. The main issue, based on my experience, is that we marry late. I marry in my late 30s, my wife in mid-30s, it’s not really easy to get a child for older couples. So, maybe a work life balance, promoting marriage before chasing your career is frankly the more effective way. Lol for me, I wasn’t even chasing my career, I was just being easy going until I realise that I’m getting old man.”