Is the real problem no plan, or the wrong one?

"Having no plans might mean that they are aware of it and it might still be solvable. However, the most concerning one is when they have a wrong plan. You are relying on a borrowed plan which may not fit you."

A borrowed plan carries someone else's income, someone else's CPF balance and someone else's timeline.

It can run for years before the mismatch surfaces, usually at the exact point you need it to hold.

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