Haha, do you really read my comments?
When you earn 10k why you don’t buy your own hdb?
You don’t even know the cpf contribution cap at 6k and you can use 70% of your cpf contribution for house repayment.
For 10k, you will bring back about 8.5k after the cpf and income tax
I stay in hdb, price about 600k when I buy. When amount is huge 1~2% will make few hundred difference
I only pay extra 1k, and others 1k+ paid by using cpf

For kid
As I said during preschool SG is expensive, monthly paid for full day care from Sgd700~1.2k, if you already go for full day why you need nanny? Nanny price is 800~1k+, usually SG ppl will go for half day and another half take care by maid.
Maid price here is cheap, 400~700, levy is 60 for working mother, 260 for non working mother, agent fees 1k+

When go to primary school, you save sgd700

I think MY childcare is 1k+ and same for nanny

For car, how much you spend in MY will be about the same in SG, just that car is opt in SG, some will take grab which will be cheaper option compare to own a car, hdb parking is 110sgd, working place parking is depending, from 100 to few hundreds

My lifestyle would be, Friday I will hang out with my frnd at bar, Saturday and Sunday will bring my family to park/mall/movie/activity by gov or sometime visit jb/kl or Batam

Before I come SG, I used to stay in kl for 10 years, kl got less things to do.

Don’t just listen to 1 side of story, earning sgd3k vs sgd10k lifestyle is completely different, don’t even say about those who earn less than sgd3k, which travel between jb/SG

IKR.. nowadays i see malaysian everywhere sial. to the point of the usual PRC who wash and collect trays and plates at hawker center got replaced with malaysian youngsters. :shocked: ..... then causeway and tuas, really cannot cross now during weekends compared to last time.. easily 2 to even 4 hours jam at custom clearance. damn....

I never said pr can buy bto, those who settle down here, usually will have a partner convert to SG citizen to entitled the benefits as citizen
Some illegal, some got approved by appeal. As Long as you can provide a good reason.
I know what I buy, and what I sign.
Just that I don’t know why ppl compare a public housing with private housing, and told you don’t know about hdb
At first the category already different
I never promote, I just telling the facts
People come and go, SG crowded or not, not control by me