[*天哥*]

天哥's advice for those young but with lower income:

You need to reach a basic income level first, before you can think of any further plans.

The idea is to reach this basic income level asap, ideally before u reach 30 yrs old.

For my personal view, this basic acceptable income level should b $5000/month in order to maintain a decent progress in our current society.

In this scenario given, the person had reached 30 yrs old and yet the income is still @ $1500/month.

Your income level is too low, hence you will not progress in the income class but instead regress.

So the plan for you is to take up as many jobs as possible to reach the income level of basic $5000/month.

When you had reached that level, you should try to create a supplementary savings of around $1000/month to reach the saving bag of $10,000 for you to invest.

During my times, we invest in stocks and shares. But now time had changed, and my advice is to invest in bitcoins.

This saving bag of $10,000 is like a lottery bag for you to expand your wealth. Ideally you should make it reach at least $1 million by the time you reach 40 yrs old. Because, then can you use it to further reinvest and upgrade your social class like doing some business.

In this world, Nobody can get rich by working or be a laborer class except PAP.

Good Luck, dear.

天哥

( N.B. All currency in Singapore dollars, NOT financial advice )