- Save 15% of your salary when you start work (in addition to CPF)
- Keep your savings in a bank account (does not matter if you earn a low interest rate)
- When you have sufficient money, invest in an ETF to get a good return over the long term
- Avoid paying interest on loans and debts (except for housing loan)
- When you buy a HDB flat, keep it within 5 years of income.
These points are explained in my book on Financial Planning.