Adulting 101
A one-on-one starter session covering the financial and life skills no one teaches you in school. We sit down with you, sanity-check your salary, accounts, and spending using our personal budget calculator, then walk you through the basics: credit cards, insurance, self-care fund, and your first investment.
Personal budget calculator
We open our Singapore-aware personal budget calculator together. It splits your take-home pay across needs / wants / savings using the 50-30-20 rule, auto-deducts CPF and income tax at your actual rate, and tells you instantly whether your current spending hits the targets, or where the leak is.
- Auto-CPF and YA2024 tax computed live
- Health-check verdict against the 50-30-20 benchmark
- Donut + table view of where your take-home actually goes
Key features
Here's what you get with our Adulting 101 service.
- Build a budget on our calculator that survives a real Singapore lifestyle
- Pick the savings account that actually fits your spending pattern
- Choose a credit card that earns more than it costs you
- Understand the insurance you actually need at this stage
- Set up your self-care fund and emergency buffer
- Get started on investing with your first $100
The MoneyBees Planner
On top of the calculator above, we also bring up our full planner: your whole money life on one chart, age 30 to 99. Stack goals, stress-test life scenarios, and watch your trajectory change as we adjust the numbers together.
Is this service right for you?
Fresh graduates entering the workforce
Young adults who never learnt personal finance in school
Anyone wanting to master budgeting, CPF, and saving basics
Common questions
Answers to frequently asked questions about this service.
How long does the consultation process take?
An initial consultation typically takes 45-60 minutes. We use this time to understand your financial situation, goals, and concerns. After the first session, we prepare a personalised recommendation within 5 business days.
Do I need to prepare anything before our meeting?
It helps to have a general idea of your income, existing policies or investments, and any specific financial goals in mind. Don't worry if you're unsure. We'll guide you through everything during the session.
Is the initial consultation really free?
Yes, completely. Your first session is a no-strings conversation where we get to know your situation and you get to see if we're the right fit. No commitment required.
Related services
Insurance Planning
A one-on-one session to find the coverage you actually need, with no over-insurance and no over-paying. We pull your existing policies on screen, compare them side-by-side, work out the right coverage amounts for your stage of life, and tighten everything into one clean roadmap.
Investment Kickstart
A one-on-one session that takes you from zero to your first portfolio. We use our compound interest calculator to show you what your money can actually do over 10, 20, 30 years, compare advisory and direct investment options, and leave you with a concrete first-buy plan you can execute that week.
Property Planning
A one-on-one session that answers BTO or resale, HDB or condo, and what you can really afford. We run your numbers through our HDB mortgage calculator live (TDSR, MSR, CPF use, monthly cashflow) so you walk in with a guess and walk out with a number.
Ready to get started with Adulting 101?
Book a free consultation and let us help you take the next step toward your financial goals.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).