CINXE.COM
<!doctype html> <html lang="en"> <head> <meta charset="UTF-8" /> <link href="/favicon.ico" rel="icon" type="image/x-icon" /> <meta content="width" name="MobileOptimized" /> <meta content="true" name="HandheldFriendly" /> <meta content="width=device-width, initial-scale=1" name="viewport" /> <meta content="ie=edge" http-equiv="x-ua-compatible" /> <script> // Initialize the google variables. var googletag = googletag || {}; googletag.cmd = googletag.cmd || []; // Add a place to store the slot name variable. googletag.slots = googletag.slots || {}; </script> <title data-rh="true">thrive - The Business Times | Career, Money and Life for Gen Zs in Singapore</title><meta data-rh="true" name="description" content="Adulting’s tough, but you’re not alone! Get career advice, learn how to juggle your personal finance and navigate life as a Gen Z young adult in Singapore. Sign up for thrive’s newsletter for adulting tips!"/><meta data-rh="true" name="google-site-verification" content="64YzaSIKUvOcgG1DccSNNzlWDqXwjSx4lDDgbgtDLJE"/><meta data-rh="true" name="format-detection" content="telephone=no"/><meta data-rh="true" property="og:site_name" content="thrive - The Business Times | Career, Money and Life for Gen Zs in Singapore"/><meta data-rh="true" property="og:type" content="article"/><meta data-rh="true" property="og:url" content="https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="og:title" content="thrive - The Business Times | Career, Money and Life for Gen Zs in Singapore"/><meta data-rh="true" property="og:description" content="Adulting’s tough, but you’re not alone! Get career advice, learn how to juggle your personal finance and navigate life as a Gen Z young adult in Singapore. Sign up for thrive’s newsletter for adulting tips!"/><meta data-rh="true" property="og:image" content="https://www.businesstimes.com.sg/assets-web2/thrive-home-page-og-DtMKGLIL.jpg"/><meta data-rh="true" property="og:image:width" content="1200"/><meta data-rh="true" property="og:image:height" content="630"/><meta data-rh="true" property="og:image:alt" content="Adulting’s tough, but you’re not alone! Get career advice, learn how to juggle your personal finance and navigate life as a Gen Z young adult in Singapore. Sign up for thrive’s newsletter for adulting tips!"/><meta data-rh="true" property="fb:admins" content="100008016031098"/><meta data-rh="true" property="fb:pages" content="288031731262011"/><meta data-rh="true" property="fb:app_id" content="328386607332790"/><meta data-rh="true" property="twitter:card" content="summary_large_image"/><meta data-rh="true" property="twitter:site" content="@BusinessTimes"/><meta data-rh="true" property="twitter:title" content="thrive - The Business Times | Career, Money and Life for Gen Zs in Singapore"/><meta data-rh="true" property="twitter:url" content="https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="twitter:description" content="Adulting’s tough, but you’re not alone! Get career advice, learn how to juggle your personal finance and navigate life as a Gen Z young adult in Singapore. Sign up for thrive’s newsletter for adulting tips!"/><meta data-rh="true" property="twitter:image" content="https://www.businesstimes.com.sg/assets-web2/thrive-home-page-og-DtMKGLIL.jpg"/><meta data-rh="true" property="twitter:image:alt" content="Adulting’s tough, but you’re not alone! Get career advice, learn how to juggle your personal finance and navigate life as a Gen Z young adult in Singapore. Sign up for thrive’s newsletter for adulting tips!"/><meta data-rh="true" property="twitter:app:country" content="US"/><meta data-rh="true" property="twitter:app:id:iphone" content="531275824"/><meta data-rh="true" property="twitter:app:url:iphone" content="com.sph.bt://url=https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="twitter:app:id:ipad" content="531283825"/><meta data-rh="true" property="twitter:app:url:ipad" content="com.sph.bt://url=https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="twitter:app:id:googleplay" content="com.ps.bt"/><meta data-rh="true" property="twitter:app:url:googleplay" content="com.sph.bt://url=https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="al:ios:url" content="https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="al:ios:app_store_id" content="531275824"/><meta data-rh="true" property="al:ios:app_name" content="Business Times"/><meta data-rh="true" property="al:android:url" content="https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" property="al:android:package" content="com.ps.bt"/><meta data-rh="true" property="al:android:app_name" content="The Business Times"/><meta data-rh="true" property="al:web:url" content="https://www.businesstimes.com.sg/thrive"/><meta data-rh="true" name="grapeshot_tag" id="grapeshot" data-testid="grapeshot" content="no_analysis"/><link data-rh="true" rel="preconnect" href="https://dev.visualwebsiteoptimizer.com"/><link data-rh="true" rel="alternate" href="android-app://com.ps.bt/https/www.businesstimes.com.sg/thrive"/><link data-rh="true" rel="canonical" href="https://www.businesstimes.com.sg/thrive"/><link data-rh="true" rel="shortlink" href="https://www.businesstimes.com.sg/thrive"/><script data-rh="true" type="text/javascript" id="vwoCode" async="true"> window._vwo_code || (function() { var account_id=786877, version=2.1, settings_tolerance=2000, hide_element='body', hide_element_style = 'opacity:0 !important;filter:alpha(opacity=0) !important;background:none !important', /* DO NOT EDIT BELOW THIS LINE */ f=false,w=window,d=document,v=d.querySelector('#vwoCode'),cK='_vwo_'+account_id+'_settings',cc={};try{var c=JSON.parse(localStorage.getItem('_vwo_'+account_id+'_config'));cc=c&&typeof c==='object'?c:{}}catch(e){}var stT=cc.stT==='session'?w.sessionStorage:w.localStorage;code={use_existing_jquery:function(){return typeof use_existing_jquery!=='undefined'?use_existing_jquery:undefined},library_tolerance:function(){return typeof library_tolerance!=='undefined'?library_tolerance:undefined},settings_tolerance:function(){return cc.sT||settings_tolerance},hide_element_style:function(){return'{'+(cc.hES||hide_element_style)+'}'},hide_element:function(){if(performance.getEntriesByName('first-contentful-paint')[0]){return''}return typeof cc.hE==='string'?cc.hE:hide_element},getVersion:function(){return version},finish:function(e){if(!f){f=true;var t=d.getElementById('_vis_opt_path_hides');if(t)t.parentNode.removeChild(t);if(e)(new Image).src='https://dev.visualwebsiteoptimizer.com/ee.gif?a='+account_id+e}},finished:function(){return f},addScript:function(e){var t=d.createElement('script');t.type='text/javascript';if(e.src){t.src=e.src}else{t.text=e.text}d.getElementsByTagName('head')[0].appendChild(t)},load:function(e,t){var i=this.getSettings(),n=d.createElement('script'),r=this;t=t||{};if(i){n.textContent=i;d.getElementsByTagName('head')[0].appendChild(n);if(!w.VWO||VWO.caE){stT.removeItem(cK);r.load(e)}}else{var o=new XMLHttpRequest;o.open('GET',e,true);o.withCredentials=!t.dSC;o.responseType=t.responseType||'text';o.onload=function(){if(t.onloadCb){return t.onloadCb(o,e)}if(o.status===200){_vwo_code.addScript({text:o.responseText})}else{_vwo_code.finish('&e=loading_failure:'+e)}};o.onerror=function(){if(t.onerrorCb){return t.onerrorCb(e)}_vwo_code.finish('&e=loading_failure:'+e)};o.send()}},getSettings:function(){try{var e=stT.getItem(cK);if(!e){return}e=JSON.parse(e);if(Date.now()>e.e){stT.removeItem(cK);return}return e.s}catch(e){return}},init:function(){if(d.URL.indexOf('__vwo_disable__')>-1)return;var e=this.settings_tolerance();w._vwo_settings_timer=setTimeout(function(){_vwo_code.finish();stT.removeItem(cK)},e);var t;if(this.hide_element()!=='body'){t=d.createElement('style');var i=this.hide_element(),n=i?i+this.hide_element_style():'',r=d.getElementsByTagName('head')[0];t.setAttribute('id','_vis_opt_path_hides');v&&t.setAttribute('nonce',v.nonce);t.setAttribute('type','text/css');if(t.styleSheet)t.styleSheet.cssText=n;else t.appendChild(d.createTextNode(n));r.appendChild(t)}else{t=d.getElementsByTagName('head')[0];var n=d.createElement('div');n.style.cssText='z-index: 2147483647 !important;position: fixed !important;left: 0 !important;top: 0 !important;width: 100% !important;height: 100% !important;background: white !important;';n.setAttribute('id','_vis_opt_path_hides');n.classList.add('_vis_hide_layer');t.parentNode.insertBefore(n,t.nextSibling)}var o='https://dev.visualwebsiteoptimizer.com/j.php?a='+account_id+'&u='+encodeURIComponent(d.URL)+'&vn='+version;if(w.location.search.indexOf('_vwo_xhr')!==-1){this.addScript({src:o})}else{this.load(o+'&x=true')}}};w._vwo_code=code;code.init();})();</script><script data-rh="true" >;window.NREUM||(NREUM={});NREUM.init={session_replay:{enabled:true,block_selector:'',mask_text_selector:'*',sampling_rate:10.0,error_sampling_rate:100.0,mask_all_inputs:true,collect_fonts:true,inline_images:false,inline_stylesheet:true,mask_input_options:{}},distributed_tracing:{enabled:true},privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]}};;NREUM.loader_config={accountID:"225023",trustKey:"225023",agentID:"1103312515",licenseKey:"NRBR-70564e4017ab43d3811",applicationID:"1103312515"};;NREUM.info={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",licenseKey:"NRBR-70564e4017ab43d3811",applicationID:"1103312515",sa:1};</script><script data-rh="true" type="text/javascript" src="/assets-web2/nr-loader-spa.1.252.0.min-DkQvycqG.js" async="true"></script><script data-rh="true" >var gs_channels = ["no_analysis"];</script><script data-rh="true" id="ga_data_layer_"> var _data = {}; _data = { "articleid" : "", "cue_articleid" : "", "at" : "", "author" : "", "chapter1" : "", "contentcat" : "1", "contenttype" : "", "keyword" : "", "level2" : "miscellaneous", "pagination" : "1", "permutive_id" : window.localStorage.getItem("permutive-id") || "", "pubdate" : "", "story_threads" : "", "title" : "Thrive_Events", "visitorcat" : "1", "termid" : "", "product_flag" : "(not set)", "user_keyword" : "(not set)", "adblocker" : 0, "cd_version" : "bt2", "gs_channels" : "undefined", }; var isArticlePage = false; if (typeof _data != "undefined" && typeof _data.articleid != "undefined" && _data.articleid != "") { isArticlePage = true; } </script><script data-rh="true" id="permutive_script"> var permutive_keys = { articleid: "", chapter1: "", contentcat: "1", contenttype: "", gsKeywords: [], keywords: [""], sph_seg: [], story_threads: "", title: "Thrive_Events", visitorcat: "anonymous", }; per_userid = ""; var per_ptid = ""; if (typeof _data != 'undefined') { if (typeof _data.at != 'undefined' && _data.at != "") { per_userid = _data.at; } if ( typeof per_getcookie("mysph_lr") != "undefined" && per_getcookie("mysph_lr") != "" ) { per_ptid = per_getcookie("mysph_lr"); } if (typeof _data.pagination != 'undefined' && _data.pagination != "") { permutive_keys.pagination = parseInt(_data.pagination); } if (typeof _data.printcat != 'undefined' && _data.printcat != "") { permutive_keys.printcat = _data.printcat; } } function per_getcookie(cname) { if (document.cookie.length > 0) { c_start = document.cookie.indexOf(cname + "="); if (c_start != -1) { c_start = c_start + cname.length + 1; c_end = document.cookie.indexOf(";", c_start); if (c_end == -1) { c_end = document.cookie.length } return unescape(document.cookie.substring(c_start, c_end)) } } return "" } var per_suid = per_getcookie('suid'); var sph_seg = per_getcookie('sph_seg'); if (typeof sph_seg != 'undefined' && sph_seg != "") { permutive_keys.sph_seg = sph_seg.toLowerCase().split(','); } !function (e, o, n, i) { if (!e) { e = e || {}, window.permutive = e, e.q = []; var t = function () { return ([1e7] + -1e3 + -4e3 + -8e3 + -1e11).replace(/[018]/g, function (e) { return (e ^ (window.crypto || window.msCrypto).getRandomValues(new Uint8Array(1))[0] & 15 >> e / 4).toString(16) }) }; e.config = i || {}, e.config.apiKey = o, e.config.workspaceId = n, e.config.environment = e.config.environment || "production", (window.crypto || window.msCrypto) && (e.config.viewId = t()); for (var g = ["addon", "identify", "track", "trigger", "query", "segment", "segments", "ready", "on", "once", "user", "consent"], r = 0; r < g.length; r++) { var w = g[r]; e[w] = function (o) { return function () { var n = Array.prototype.slice.call(arguments, 0); e.q.push({ functionName: o, arguments: n }) } }(w) } } }(window.permutive, "ab403253-b305-47fa-a31b-3efb2473166f", "5f876161-9740-4cc8-9b64-4585990b2690", {}); window.googletag = window.googletag || {}, window.googletag.cmd = window.googletag.cmd || [], window.googletag.cmd.push(function () { if (0 === window.googletag.pubads().getTargeting("permutive").length) { var e = window.localStorage.getItem("_pdfps"); window.googletag.pubads().setTargeting("permutive", e ? JSON.parse(e) : []); var o = window.localStorage.getItem("permutive-id"); window.googletag.pubads().setTargeting("puid", o ? o : ""); window.googletag.pubads().setTargeting("ptime", Date.now().toString()); window.permutive.config.viewId && window.googletag.pubads().setTargeting("prmtvvid", window.permutive.config.viewId); window.permutive.config.workspaceId && window.googletag.pubads().setTargeting("prmtvwid", window.permutive.config.workspaceId); } }); permutive.identify([ { id: per_userid, tag: "userid", priority: 0, }, { id: per_ptid, tag: "ptid", priority: 1, }, { id: per_suid, tag: "suid", priority: 2, }, ]); permutive.addon('web', { page: permutive_keys }); // Permutive Ready check with Timeout function definition window.permutive.readyWithTimeout = function (e, i, t) { var u = !1, n = function () { u || (e(), u = !0) }; (t = t || 1 / 0) !== 1 / 0 && window.setTimeout(n, t), permutive.ready(n, i) }; </script> <script type="module" crossorigin src="/assets-web2/index-k6LluUCy.js"></script> <link rel="stylesheet" crossorigin href="/assets-web2/index-B7ki8S7j.css"> </head> <body> <div id="postitial_holder"></div> <div id="app"><div class="flex min-h-screen w-screen max-w-full flex-col antialiased" id="background_container"><div class="mx-auto flex w-full flex-grow flex-col items-center" id="content-container"><div class="w-full overflow-hidden bg-verticals-thrive" id="thrive-home-page" data-testid="thrive-home-page"><header class="px-5" data-testid="thrive-header-component"><div data-component="component-container" class="container max-w-[1300px] px-0"><div class="relative z-10 flex w-full items-center py-5 lg:py-8"><div class="flex h-10 w-full justify-between"><a href="/thrive"><img src="/assets-web2/thrive-logo-x-KzG1Ss.svg" alt="Thrive" width="150" height="56"/></a><div class="hidden items-center lg:flex lg:justify-end"><nav aria-label="header-nav" class="hidden md:block"><ul class="flex space-x-12"><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] relative w-fit block py-1 after:block after:-bottom-0.5 after:absolute after:h-[2px] after:bg-green-400 after:w-full after:scale-x-0 after:hover:scale-x-100 after:transition after:duration-300 after:origin-center" href="/thrive/past-issues">Past Issues</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] relative w-fit block py-1 after:block after:-bottom-0.5 after:absolute after:h-[2px] after:bg-green-400 after:w-full after:scale-x-0 after:hover:scale-x-100 after:transition after:duration-300 after:origin-center" href="https://www.instagram.com/thrive_bt/" target="_blank">Instagram</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] relative w-fit block py-1 after:block after:-bottom-0.5 after:absolute after:h-[2px] after:bg-green-400 after:w-full after:scale-x-0 after:hover:scale-x-100 after:transition after:duration-300 after:origin-center" href="https://www.tiktok.com/@thrivebt" target="_blank">TikTok</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] relative w-fit block py-1 after:block after:-bottom-0.5 after:absolute after:h-[2px] after:bg-green-400 after:w-full after:scale-x-0 after:hover:scale-x-100 after:transition after:duration-300 after:origin-center" href="/thrive/events">Events</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] relative w-fit block py-1 after:block after:-bottom-0.5 after:absolute after:h-[2px] after:bg-green-400 after:w-full after:scale-x-0 after:hover:scale-x-100 after:transition after:duration-300 after:origin-center" href="/thrive/about-us">About us</a></li></ul></nav></div></div><button type="button" aria-label="Toggle side menu" class="thrive-toggler absolute right-0 z-10 block border border-black bg-white shadow-thriveToggle outline-none lg:hidden" data-rac="" id="react-aria-:R33cu5:"><svg class="hamburger" fill="#2b2b2b" viewBox="0 0 100 100" width="36"><rect class="line top" height="2" width="60" x="20" y="40"> </rect><rect class="line bottom" height="2" width="60" x="20" y="60"> </rect></svg></button><div data-testid="side-menu-wrapper" class="thrive-side-menu-wrapper absolute w-full"><nav aria-label="header-nav" class="thrive-side-nav fixed inset-0 h-full w-full bg-orange-400"><ul class="space-y-11 px-5 pt-5"><li><a class="inline-block" href="/thrive"><img src="/assets-web2/thrive-white-Bmf0QtoX.svg" width="150" height="56" alt="Thrive"/></a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] px-2 py-3 thrive-past-event-title text-white flex justify-center text-center font-interBold text-11xl text-shadow-thrive-2" href="/thrive/past-issues">Past Issues</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] px-2 py-3 thrive-past-event-title text-white flex justify-center text-center font-interBold text-11xl text-shadow-thrive-2 flex items-center" href="https://www.instagram.com/thrive_bt/" target="_blank">Instagram<img src="data:image/svg+xml,%3csvg%20width='30'%20height='31'%20viewBox='0%200%2030%2031'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_4491_4460)'%3e%3cg%20filter='url(%23filter0_d_4491_4460)'%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M22.0002%208.69434V10.1943V24.1943V25.6943H19.0002V24.1943V13.8157L5.06089%2027.755L4.00023%2028.8157L1.87891%2026.6943L2.93957%2025.6337L16.8789%2011.6943H6.50023H5.00023V8.69434H6.50023H19.0002H20.0002H21.5002H22.0002Z'%20fill='white'/%3e%3cpath%20d='M22.5002%208.69434V8.19434H22.0002H21.5002H20.0002H19.0002H6.50023H5.00023H4.50023V8.69434V11.6943V12.1943H5.00023H6.50023H15.6718L2.58601%2025.2801L1.52535%2026.3408L1.1718%2026.6943L1.52535%2027.0479L3.64667%2029.1692L4.00023%2029.5228L4.35378%2029.1692L5.41444%2028.1085L18.5002%2015.0228V24.1943V25.6943V26.1943H19.0002H22.0002H22.5002V25.6943V24.1943V10.1943V8.69434Z'%20stroke='%232B2B2B'%20stroke-linecap='square'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cfilter%20id='filter0_d_4491_4460'%20x='-1.53516'%20y='7.69434'%20width='24.5352'%20height='24.5355'%20filterUnits='userSpaceOnUse'%20color-interpolation-filters='sRGB'%3e%3cfeFlood%20flood-opacity='0'%20result='BackgroundImageFix'/%3e%3cfeColorMatrix%20in='SourceAlpha'%20type='matrix'%20values='0%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%20127%200'%20result='hardAlpha'/%3e%3cfeOffset%20dx='-2'%20dy='2'/%3e%3cfeComposite%20in2='hardAlpha'%20operator='out'/%3e%3cfeColorMatrix%20type='matrix'%20values='0%200%200%200%200.168627%200%200%200%200%200.168627%200%200%200%200%200.168627%200%200%200%201%200'/%3e%3cfeBlend%20mode='normal'%20in2='BackgroundImageFix'%20result='effect1_dropShadow_4491_4460'/%3e%3cfeBlend%20mode='normal'%20in='SourceGraphic'%20in2='effect1_dropShadow_4491_4460'%20result='shape'/%3e%3c/filter%3e%3cclipPath%20id='clip0_4491_4460'%3e%3crect%20width='30'%20height='30'%20fill='white'%20transform='translate(0%200.694336)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" width="50" height="30" class="pl-5"/></a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] px-2 py-3 thrive-past-event-title text-white flex justify-center text-center font-interBold text-11xl text-shadow-thrive-2 flex items-center" href="https://www.tiktok.com/@thrivebt" target="_blank">TikTok<img src="data:image/svg+xml,%3csvg%20width='30'%20height='31'%20viewBox='0%200%2030%2031'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_4491_4460)'%3e%3cg%20filter='url(%23filter0_d_4491_4460)'%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M22.0002%208.69434V10.1943V24.1943V25.6943H19.0002V24.1943V13.8157L5.06089%2027.755L4.00023%2028.8157L1.87891%2026.6943L2.93957%2025.6337L16.8789%2011.6943H6.50023H5.00023V8.69434H6.50023H19.0002H20.0002H21.5002H22.0002Z'%20fill='white'/%3e%3cpath%20d='M22.5002%208.69434V8.19434H22.0002H21.5002H20.0002H19.0002H6.50023H5.00023H4.50023V8.69434V11.6943V12.1943H5.00023H6.50023H15.6718L2.58601%2025.2801L1.52535%2026.3408L1.1718%2026.6943L1.52535%2027.0479L3.64667%2029.1692L4.00023%2029.5228L4.35378%2029.1692L5.41444%2028.1085L18.5002%2015.0228V24.1943V25.6943V26.1943H19.0002H22.0002H22.5002V25.6943V24.1943V10.1943V8.69434Z'%20stroke='%232B2B2B'%20stroke-linecap='square'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cfilter%20id='filter0_d_4491_4460'%20x='-1.53516'%20y='7.69434'%20width='24.5352'%20height='24.5355'%20filterUnits='userSpaceOnUse'%20color-interpolation-filters='sRGB'%3e%3cfeFlood%20flood-opacity='0'%20result='BackgroundImageFix'/%3e%3cfeColorMatrix%20in='SourceAlpha'%20type='matrix'%20values='0%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%20127%200'%20result='hardAlpha'/%3e%3cfeOffset%20dx='-2'%20dy='2'/%3e%3cfeComposite%20in2='hardAlpha'%20operator='out'/%3e%3cfeColorMatrix%20type='matrix'%20values='0%200%200%200%200.168627%200%200%200%200%200.168627%200%200%200%200%200.168627%200%200%200%201%200'/%3e%3cfeBlend%20mode='normal'%20in2='BackgroundImageFix'%20result='effect1_dropShadow_4491_4460'/%3e%3cfeBlend%20mode='normal'%20in='SourceGraphic'%20in2='effect1_dropShadow_4491_4460'%20result='shape'/%3e%3c/filter%3e%3cclipPath%20id='clip0_4491_4460'%3e%3crect%20width='30'%20height='30'%20fill='white'%20transform='translate(0%200.694336)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" width="50" height="30" class="pl-5"/></a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] px-2 py-3 thrive-past-event-title text-white flex justify-center text-center font-interBold text-11xl text-shadow-thrive-2" href="/thrive/events">Events</a></li><li class="items-center font-inter text-lg font-normal text-gray-850"><a class="leading-[22.4px] px-2 py-3 thrive-past-event-title text-white flex justify-center text-center font-interBold text-11xl text-shadow-thrive-2" href="/thrive/about-us">About us</a></li></ul></nav></div></div></div></header><div data-component="component-container" class="container px-5 font-inter md:px-8 pt-20" data-testid="thrive-home-top-newsletter-component"><div data-component="component-row" class="-mx-3 flex flex-wrap"><div data-component="component-column" class="px-3 w-full lg:w-1/2 flex items-center"><div class="text-gray-850"><h1 class="thrive-past-event-title stroke-gray-850 stroke-1 font-interBold text-11xl font-bold leading-[2.5rem] text-white text-shadow-thrive-2 md:text-13xl md:!leading-[4.5rem]">Let's talk career, money and life.</h1><p class="m-0 p-0">5-minute weekly newsletter to stay ahead of the curve.</p><div><div class="mt-4 w-fit border border-black bg-white shadow-thriveButton transition-all duration-150 hover:shadow-thriveNewsletterHover" data-testid="thrive-subscription-component"><form class="flex flex-col items-start border-b border-gray-850 lg:w-458px lg:max-w-[400px]" aria-label="thrive-newsletter-form"><div class="flex items-center self-stretch"><input class="flex w-1/2 flex-grow flex-col items-start bg-white px-5 py-4 font-inter text-gray-850 outline-none placeholder:text-gray-600 lg:w-auto" name="email" type="email" inputMode="email" placeholder="Email" required="" data-rac="" value=""/><button type="submit" class="flex-center lg:flex-end flex items-center bg-orange-400 px-5 py-4 font-interBold text-base uppercase leading-6 text-white outline-none" data-rac="" id="react-aria-:R4mkcu5:">Sign up</button></div></form></div><div role="alert" data-testid="emarsys-newsletter-error" class="relative col-span-6 flex font-inter text-xs font-semibold text-red lg:w-458px"></div></div><p class="my-2 p-0 md:text-lg">No spam, we promise.</p></div></div><div data-component="component-column" class="px-3 lg:w-1/2 relative w-full pt-24 lg:p-0"><div class="group relative flex w-full justify-center" data-testid="thrive-home-sample-newsletter-component"><div class="absolute top-20 hidden lg:block"><img src="data:image/svg+xml,%3csvg%20width='446'%20height='497'%20viewBox='0%200%20446%20497'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cpath%20d='M444.326%20238.673C458.665%20362.093%20362.1%20482.582%20251.593%20495.42C141.087%20508.258%2016.6375%20413.446%202.29908%20290.026C-12.0394%20166.606%2083.7328%2014.5785%20194.24%201.74022C304.746%20-11.098%20429.988%20115.253%20444.326%20238.673Z'%20fill='white'/%3e%3c/svg%3e" class="w-full" alt="background"/></div><div class="absolute top-40 hidden transition-all duration-300 group-hover:scale-110 lg:block"><img src="/assets-web2/thrive-newsletter-bg-line-6c7G_P1y.svg" alt="line"/></div><div class="relative h-[30rem] w-full lg:h-[40rem] lg:w-80"><img class="absolute hidden lg:-top-8 lg:left-full lg:block" src="data:image/svg+xml,%3csvg%20width='30'%20height='31'%20viewBox='0%200%2030%2031'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_5440_18920)'%3e%3cpath%20d='M15.1597%2016.7855C10.9385%2012.5643%205.07231%2014.4576%200.675255%2018.8547M0.675255%2018.8547C1.29793%2018.232%201.8704%2017.5799%202.3824%2016.9071M0.675255%2018.8547C0.675255%2018.8547%201.30577%2018.0754%202.3824%2016.9071M2.74447%204.37021C6.36788%207.99362%205.48593%2012.8292%202.3824%2016.9071M2.3824%2016.9071C6.6791%2012.2445%2026.5%20-3.75549%2028.5%2022.7446'%20stroke='%23D97A5A'%20stroke-width='1.5'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_5440_18920'%3e%3crect%20width='30'%20height='30'%20fill='white'%20transform='translate(0%200.244629)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" alt="arrow"/><div class="absolute -top-10 right-0 flex w-full justify-end text-lg uppercase text-gray-850 lg:left-full lg:top-0 lg:w-auto lg:-rotate-180 lg:[writing-mode:tb-rl]"><div class="pr-3 font-interBold">Sample Newsletter <span class="text-green-400">.</span></div><img class="block rotate-45 scale-x-[-1] lg:hidden" src="data:image/svg+xml,%3csvg%20width='30'%20height='31'%20viewBox='0%200%2030%2031'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_5440_18920)'%3e%3cpath%20d='M15.1597%2016.7855C10.9385%2012.5643%205.07231%2014.4576%200.675255%2018.8547M0.675255%2018.8547C1.29793%2018.232%201.8704%2017.5799%202.3824%2016.9071M0.675255%2018.8547C0.675255%2018.8547%201.30577%2018.0754%202.3824%2016.9071M2.74447%204.37021C6.36788%207.99362%205.48593%2012.8292%202.3824%2016.9071M2.3824%2016.9071C6.6791%2012.2445%2026.5%20-3.75549%2028.5%2022.7446'%20stroke='%23D97A5A'%20stroke-width='1.5'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_5440_18920'%3e%3crect%20width='30'%20height='30'%20fill='white'%20transform='translate(0%200.244629)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" alt="arrow"/></div><div class="relative h-full overflow-auto rounded-[5px] border-2 border-black bg-verticals-thrive shadow-thriveButton group-hover:shadow-thriveNewsletterHover lg:z-10 lg:w-full"><div data-component="component-container" class="container px-0 lg:min-h-[40rem] text-gray-850"><div><p class="m-0 p-0 py-2 text-center text-2xs text-gray-550">Fri, Jul 12, 2024</p><img src="/assets-web2/thrive_newsletter_logo-CAgF92Du.png" class="py-3" alt="thrive newsletter"/></div><div class="border-t-2 border-green-400 bg-white px-6 pt-4"><div data-component="component-container" class="container px-0 text-gray-850" data-testid="thrive-home-sample-newsletter-introduction-component"><p class="m-0 py-[10px] pt-3 font-interBold text-2xl">🧓 How to make millions before you die</p><p class="m-0 mb-2 p-0">The investing world can seem impenetrable to a newbie learning the ropes . From the lingo to the complex terminology, there's just so much to know when starting out that we sometimes just think, "I'm not ready for this" 🤯.</p><p class="m-0 mb-2 p-0">But the truth is that investing doesn't have to be hard. Over the next few months, I'll be hosting a series of videos diving into the complex world of investing. With the help of experts, we'll be looking at how to get started on your investment journey – from building your first portfolio to different investing strategies.</p><p class="m-0 mb-2 p-0">Join us on Investing with Choo on our<!-- --> <a href="https://www.instagram.com/thrive_bt/" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Instagram</a> 🌱! And if you're a beginner investor with any questions, drop us a DM or e-mail me at darylchoo@sph.com.sg and we may feature them in one of our videos.</p><div class="flex items-center gap-4 py-1"><img src="https://static1.businesstimes.com.sg/s3fs-public/styles/profile_photo/public/author/2024/07/04/daryl20choo20headshot_0.jpg?VersionId=xI..uUlbkW0jobYNuJYJFdm4nkPBrTql" width="80" height="80" alt="author" class="rounded-full"/><div><p class="m-0 p-0 font-interBold">Daryl Choo</p><p class="m-0 p-0">Young Audience Journalist</p></div></div><div class="pt-10"><p class="m-0 p-0 pb-4 font-interBold text-2xl">In this week's issue</p><ul class="list-disc pl-6"><li class="pb-2">Privately-run coffee shops start accepting CDC vouchers</li><li class="pb-2">Ninja Van lays off more tech workers</li><li class="pb-2">How much do I need to start my investment journey?</li></ul></div></div><div class="mt-10 border-t-2 border-green-100 pt-4"><div data-component="component-container" class="container px-0 text-gray-850" data-testid="thrive-home-sample-newsletter-story-component"><p class="m-0 pb-4 font-interBold text-2xl">💼 The case for investing</p><p class="m-0 mb-2 p-0"><i>It takes money to make money.</i></p><p class="m-0 mb-2 p-0">I never quite understood that saying when I was younger – until I learnt about investing.</p><p class="m-0 mb-2 p-0">If you invested S$10,000 for a year, you'd get back S$700 based on a very realistic 7 per cent annual return.</p><p class="m-0 mb-2 p-0">But suppose your rich parents gave you S$1,000,000 as a graduation gift, and you invested that whole sum. You'd make S$70,000 in a year and earn more than I do without ever stepping foot in an office 🕶️.</p><div class="mb-2"><img class="w-full" src="https://static1.businesstimes.com.sg/s3fs-public/image/2024/07/04/80-1.png?VersionId=ifhAb1QR_6RZRczUVm.T1oyOWWVWTtZO" width="300" height="300"/><p class="m-0 mb-2 p-0 text-3xs italic">THE WOKE SALARYMAN</p></div><p class="m-0 mb-2 p-0">Okay, so investing makes rich people richer. Why should regular people bother?</p><p class="m-0 mb-2 p-0 font-interBold">✨ Inflation ✨.</p><p class="m-0 mb-2 p-0">What it means is that whatever money you have saved up that's sitting idle in a bank or in a Milo tin will always be worth less as time passes.</p><p class="m-0 mb-2 p-0">Let's say you figure that you need S$3,000 a month when you retire and save accordingly, forgetting inflation.</p><p class="m-0 mb-2 p-0">In 50 years' time, that S$3,000 would be worth S$890.22 in today's dollars, going by Singapore's past inflation rate over the same time period. Could you survive on that?</p><p class="m-0 mb-2 p-0">Investing (responsibly) won't get you rich quickly. But even if you don't have much to invest with, the small sum of money you get in return should at least protect your savings from being eroded away by the rising cost of living.</p><p class="m-0 mb-2 p-0">"But my parents didn't invest, and they did well for themselves," you say.</p><p class="m-0 mb-2 p-0">Well, even if they didn't buy any stocks or bonds, they probably did make investment gains if they owned any sort of housing 🏘️.</p><p class="m-0 mb-2 p-0">Our parents lived in an age when property prices rose so quickly that they likely made more from buying and selling an HDB flat than if they put that money into local stocks.</p><div class="mb-2"><img class="w-full" src="https://static1.businesstimes.com.sg/s3fs-public/image/2024/07/04/80-2_1.gif?VersionId=WlsmzRMe8NgR7Mt8uifWJBRdk.fiTdJr" width="300" height="300"/><p class="m-0 mb-2 p-0 text-3xs italic">@camerondonnelly78/TIKTOK</p></div><p class="m-0 mb-2 p-0">Here's what He Ruiming, co-founder of the hugely popular financial comic he Woke Salaryman, has to say about this during our interview:</p><p class="m-0 mb-2 p-0">"Nowadays, as a young person, you will find that property can be quite out of reach, or maybe the property market might not boom so much in the future…</p><p class="m-0 mb-2 p-0">"So I would say, for most people, you need to invest in some way. It could be the stock market, it could be the property market if you have enough money, it could be something like your CPF Special Account."</p><p class="m-0 mb-2 p-0">The only people who can probably get by without investing these days are high-income earners, he says.</p><p class="m-0 mb-2 p-0">"If you're a median earner and you spend a median amount, you probably need to invest."</p><p class="m-0 p-0 py-4 font-interBold text-2xl">🖐️ But wait…</p><p class="m-0 mb-2 p-0">Of course, all of what has been said above assumes that your investments make money. However, as we know, investments can lose money, too 📉.</p><p class="m-0 mb-2 p-0">Generally speaking, the stock market makes money more often than not.</p><p class="m-0 mb-2 p-0">The US stock market accounts for the majority of the world's stocks. When we look at the S&P 500 index, the de facto benchmark for the US market's performance, it has made around 10 per cent in returns every year over the long term.</p><p class="m-0 mb-2 p-0">The US stock market accounts for the majority of the world's stocks. When we look at the S&P 500 index, the de facto benchmark for the US market's performance, it has made around 10 per cent in returns every year over the long term.</p><p class="m-0 mb-2 p-0">The emphasis here is on "long term". In reality, your investments could go up 10 per cent in one year, down 20 per cent the next, and so on.</p><p class="m-0 mb-2 p-0">So it's important that you're not investing money you'll need in the near future because you don't want to be in a situation where you're forced to sell off your investments in a downturn only for the market to recover when you're ready to invest again.</p><p class="m-0 mb-2 p-0">There are generally two things you need to settle before you're ready to invest, He says.</p><ol class="list-decimal py-2 pl-6"><li class="mb-2"><span class="font-interBold">Do you have an </span><a href="https://www.businesstimes.com.sg/companies-markets/woman-plan" target="_blank" class="border-b-2 border-green-400 font-interBold" rel="noreferrer">emergency fund</a> <!-- -->set aside in an account that you can readily access 🚑?</li><li><span class="font-interBold">Do you have any </span><a href="https://www.businesstimes.com.sg/companies-markets/woman-plan" target="_blank" class="border-b-2 border-green-400 font-interBold" rel="noreferrer">high-interest loans</a>, like credit card debt, that'll cost more in interest fees than you can make with investments 💳?</li></ol><p class="m-0 mb-2 p-0">If you answered "yes" to the first question and "no" to the second, then you're pretty much set.</p><p class="m-0 mb-2 p-0">"Some people say you need like hundreds or thousands of dollars to start investing. I think that's not true," says He.</p><p class="m-0 p-0 py-4 font-interBold text-2xl">🕝 The magic of starting early</p><p class="m-0 mb-2 p-0">There's this powerful chart that really drives home the magic of compound interest and why it's important to start investing early.</p><p class="m-0 mb-2 p-0">There are countless variations of the same idea but here's one showing how someone who starts investing a regular sum every year for 10 years at age 25 ends up saving more than someone else who invests the same amount every year for 30 years.</p><div class="mb-2"><img class="w-full" src="https://static1.businesstimes.com.sg/s3fs-public/image/2024/07/04/80-3.png?VersionId=lIFhb_tCTZqY2ncg1b6pSgI3NmzEHUby" width="300" height="300"/><p class="m-0 mb-2 p-0 text-3xs italic">FEDERAL RESERVE BANK OF ST. LOUIS</p></div><p class="m-0 mb-2 p-0">A good way to start is to use the famous<!-- --> <a href="https://www.businesstimes.com.sg/companies-markets/woman-plan" target="_blank" class="border-b-2 border-green-400 font-interBold" rel="noreferrer">50-30-20 rule</a>, which involves setting aside 20 per cent of your salary for investments once you've saved up enough for your emergency fund.</p><p class="m-0 mb-2 p-0">"Sometimes, while investing, you also learn what it's like to actually put money in the stock market. Sometimes the money goes up, sometimes the money goes down. It trains you so that you get used to how the market behaves," he says.</p><p class="m-0 mb-2 p-0">"This is, as opposed to, let's say, you wait until you're 40 years old and start investing, then your first market crash, you get scared, and then you sell at a loss."</p><p class="m-0 mb-2 p-0">It takes time, he adds, to build the temperament, mindset and philosophy required of a good investor 🧠.</p><p class="m-0 p-0 py-4 font-interBold">TL;DR</p><ul class="list-disc pl-6"><li class="pb-2">Every year you leave your money idle, you're effectively losing money because of inflation</li><li class="pb-2">Unless you're earning a fat salary, it can be hard to build your finances without investing</li><li class="pb-2">You don't need thousands of dollars to start investing; even S$500 a month is enough</li><li class="pb-2">By starting early, your investments will grow larger than someone who starts later with a larger capital</li></ul><div class="flex items-center justify-end gap-1 py-4"><p class="m-0 p-0">Share this story<!-- --> </p><button class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="data:image/svg+xml,%3csvg%20width='36'%20height='37'%20viewBox='0%200%2036%2037'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_5465_12253)'%3e%3ccircle%20cx='18'%20cy='18.6357'%20r='18'%20fill='%23D97A5A'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M7.39208%2017.713C12.8279%2015.3447%2016.4526%2013.7833%2018.2663%2013.029C23.4446%2010.8752%2024.5206%2010.501%2025.2219%2010.4887C25.3761%2010.4859%2025.721%2010.5242%2025.9444%2010.7054C26.1331%2010.8585%2026.185%2011.0653%2026.2098%2011.2104C26.2347%2011.3555%2026.2656%2011.6861%2026.241%2011.9445C25.9604%2014.8929%2024.7462%2022.048%2024.1284%2025.3503C23.8671%2026.7476%2023.3524%2027.2161%2022.8541%2027.262C21.7713%2027.3616%2020.9491%2026.5463%2019.9003%2025.8589C18.2592%2024.7831%2017.332%2024.1134%2015.739%2023.0636C13.898%2021.8505%2015.0915%2021.1837%2016.1406%2020.094C16.4152%2019.8088%2021.1862%2015.4692%2021.2785%2015.0755C21.2901%2015.0263%2021.3008%2014.8428%2021.1918%2014.7459C21.0828%2014.649%2020.9218%2014.6821%2020.8057%2014.7085C20.6411%2014.7458%2018.0194%2016.4787%2012.9406%2019.907C12.1964%2020.418%2011.5223%2020.667%2010.9184%2020.654C10.2526%2020.6396%208.97197%2020.2775%208.01991%2019.9681C6.85218%2019.5885%205.92409%2019.3878%206.00491%2018.7431C6.047%2018.4074%206.50939%2018.064%207.39208%2017.713Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_5465_12253'%3e%3crect%20width='36'%20height='36'%20fill='white'%20transform='translate(0%200.635742)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" width="36" height="36" alt="share on twitter"/></button><button class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="data:image/svg+xml,%3csvg%20width='36'%20height='37'%20viewBox='0%200%2036%2037'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_5465_12256)'%3e%3ccircle%20cx='18'%20cy='18.6357'%20r='18'%20fill='%23D97A5A'/%3e%3cpath%20d='M10.0496%2026.2385H13.7822V14.209H10.0496V26.2385Z'%20fill='white'/%3e%3cpath%20d='M9.75%2010.4042C9.75%2011.6003%2010.7175%2012.5699%2011.9159%2012.5699C13.1093%2012.5699%2014.0769%2011.5954%2014.0769%2010.4042C14.0769%209.20817%2013.1093%208.23853%2011.9159%208.23853C10.7175%208.23853%209.75%209.20817%209.75%2010.4042Z'%20fill='white'/%3e%3cpath%20d='M24.0223%2026.2385H27.75V19.638C27.75%2016.3993%2027.0526%2013.9087%2023.2758%2013.9087C21.4635%2013.9087%2020.2455%2014.9079%2019.7495%2015.853H19.7003V14.209H16.1249V26.2385H19.8477V20.2927C19.8477%2018.7225%2020.1424%2017.2016%2022.0823%2017.2016C23.9977%2017.2016%2024.0223%2018.9982%2024.0223%2020.3911V26.2385Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_5465_12256'%3e%3crect%20width='36'%20height='36'%20fill='white'%20transform='translate(0%200.635742)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" width="36" height="36" alt="share on linkedin"/></button><button class="react-share__ShareButton" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><img src="data:image/svg+xml,%3csvg%20width='36'%20height='37'%20viewBox='0%200%2036%2037'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20clip-path='url(%23clip0_5465_12259)'%3e%3ccircle%20cx='24'%20cy='24.6357'%20r='24'%20fill='white'/%3e%3cpath%20d='M36%2018.6357C36%208.69461%2027.9411%200.635742%2018%200.635742C8.05887%200.635742%200%208.69461%200%2018.6357C0%2027.6199%206.5823%2035.0667%2015.1875%2036.4171V23.8389H10.6172V18.6357H15.1875V14.6701C15.1875%2010.1589%2017.8748%207.66699%2021.9864%207.66699C23.9551%207.66699%2026.0156%208.01855%2026.0156%208.01855V12.4482H23.7459C21.51%2012.4482%2020.8125%2013.8359%2020.8125%2015.2607V18.6357H25.8047L25.0066%2023.8389H20.8125V36.4171C29.4177%2035.0667%2036%2027.6199%2036%2018.6357Z'%20fill='%23D97A5A'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_5465_12259'%3e%3crect%20width='36'%20height='36'%20fill='white'%20transform='translate(0%200.635742)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e" width="36" height="36" alt="share on facebook"/></button></div></div></div><div class="mt-10 border-t-2 border-green-400"><div data-component="component-container" class="container px-0 text-gray-850" data-testid="thrive-home-sample-newsletter-others-component"><p class="m-0 py-[10px] font-interBold text-2xl">In other news…</p><div class="pb-2"><p class="m-0 mb-2 p-0 font-interBold">⚖️ Economy</p><ul class="list-disc pl-6"><li>That<!-- --> <a href="https://www.instagram.com/p/C8rL69GtJuY/?img_index=10" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">port congestion</a>issue we wrote about last week? Singapore's transport minister has revealed that<a href="https://www.businesstimes.com.sg/companies-markets/transport-logistics/about-90-boxships-arriving-singapore-are-schedule-transport-minister" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">about 90 per cent of</a> <!-- -->containerships are off-schedule, compared with an average of 77 per cent in 2023.</li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">💰 Money</p><ul class="list-disc pl-6"><li class="mb-2">HDB coffee shops aren't the only places where you can spend your CDC vouchers. Around 180 coffee shops run by private chains – including <a href="https://www.straitstimes.com/singapore/180-coffee-shops-to-join-budget-meal-scheme-to-accept-cdc-vouchers-from-july-1" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Chang Cheng and Koufu</a> <!-- -->– have started accepting these vouchers</li><li class="mb-2"><a href="https://www.straitstimes.com/life/travel/looking-for-a-budget-friendly-holiday-scoot-airasia-offering-discounted-tickets-till-july-7" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Scoot and AirAsia</a> <!-- -->are offering discounted flight tickets from now till Jul 7 to destinations such as Athens, Osaka, Bali and Phuket.</li><li class="mb-2">Four years since digital retail banks made a splash in Singapore, none of the five banks have<!-- --> <a href="https://www.businesstimes.com.sg/companies-markets/banking-finance/tech-in-asia-1/no-profit-no-problem-singapores-digital-banks-six-charts" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">made a profit.</a></li><li class="mb-2"><a href="https://www.straitstimes.com/singapore/integrated-shield-plan-lifetime-premiums-vary-widely-across-insurers-moh-comparison-shows" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Hospitalisation insurance</a> <!-- -->plans can vary by more than S$85,000 over your lifetime, depending on which insurance company you choose. For an overview on what these are and whether you need one, check out our post on<a href="https://www.instagram.com/p/C8_JJC2S71z/?img_index=1" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Integrated Shield Plans.</a></li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">📈 Stocks</p><ul class="list-disc pl-6"><li class="mb-2">Should GIC, Singapore's sovereign wealth fund, invest to help revive the Singapore Exchange? Doing so is"<a href="https://www.businesstimes.com.sg/companies-markets/investing-gic-funds-not-solution-make-singapores-equity-market-more-attractive-chee-hong-tat" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">not the solution</a>" <!-- -->says the government.</li><li class="mb-2">Singapore's<!-- --> <s>benchmark</s> banking index?: For every dollar you put in the<a href="https://www.businesstimes.com.sg/companies-markets/dbs-ocbc-uob-swell-almost-half-st-index-after-recent-run" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Straits Times Index</a> <!-- -->around 45 cents now goes into shares of the three local banks.</li><li class="mb-2">Here's a recent trend in the world of exchange-traded funds (ETFs): Stock ETFs that<a href="https://www.bloomberg.com/news/articles/2024-07-01/blackrock-enters-booming-market-for-stock-etfs-with-a-100-hedge?cmpid=BBD070124_MONEYSTUFF&utm_medium=email&utm_source=newsletter&utm_term=240701&utm_campaign=moneystuff" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">guarantee you can't lose money.</a></li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">💼 Career</p><ul class="list-disc pl-6"><li class="mb-2"><a href="https://www.businesstimes.com.sg/startups-tech/startups/ninja-van-slashes-more-tech-roles-second-round-layoffs" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Ninja Van</a> <!-- -->is conducting a second round of layoffs, cutting the jobs of 5 per cent of junior tech roles in Singapore.</li><li class="mb-2">Private equity firms are on the hunt for skilled operators of<!-- --> <a href="https://www.businesstimes.com.sg/companies-markets/telcos-media-tech/asias-data-centre-rush-making-some-unique-skills-highly-desirable" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">data centres</a> <!-- -->as money is pouring into the region in anticipation of AI computing needs.</li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">🧬 Life</p><ul class="list-disc pl-6"><li class="mb-2">In the Thai hit movie<!-- --> <i>How To Make Millions Before Grandma Dies,</i> grandmother Amah occasionally speaks Teochew, a language her grandson M struggles to understand. This<!-- --> <a href="https://www.channelnewsasia.com/commentary/singapore-chinese-dialects-teochew-hokkien-cantonese-language-thai-movie-millions-grandma-4439751" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">language barrier</a> <!-- -->is also a problem in Singapore.</li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">🏠 Property</p><ul class="list-disc pl-6"><li class="mb-2">HDB resale prices went up<!-- --> <a href="https://www.businesstimes.com.sg/property/hdb-resale-prices-2-1-q2-marking-fastest-quarterly-rise-2022" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">2.1 per cent</a> <!-- -->in the second quarter of this year, the fastest three-month rise since 2022.</li></ul></div><div class="pb-2"><p class="m-0 my-2 p-0 font-interBold">📜 Politics</p><ul class="list-disc pl-6"><li class="mb-2">Why are members of parliament allowed to hold full-time jobs? Prime Minister<!-- --> <a href="https://www.businesstimes.com.sg/singapore/why-are-mps-allowed-have-full-time-jobs-pm-wong-answers-questions-youth-dialogue" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Lawrence Wong</a> <!-- -->responds.</li></ul></div></div></div><div class="pb-20"><div data-component="component-container" class="container p-6 text-gray-850 border border-black" data-testid="thrive-home-sample-newsletter-poll-component"><p class="m-0 mb-2 p-0 font-interBold text-2xl">Poll of the week</p><p class="m-0 mb-2 p-0">Have you started investing?</p><ul class="list-disc pl-6"><li class="mb-4"><a href="https://docs.google.com/forms/d/e/1FAIpQLSf86N3PsJmeLG3Dmqw2YYIKsgSmXdNvIO4H9wxUHPGQAdRZ6Q/viewform" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">I haven't started working, still saving up my emergency fund or paying off my debt</a></li><li class="mb-4"><a href="https://docs.google.com/forms/d/e/1FAIpQLSf86N3PsJmeLG3Dmqw2YYIKsgSmXdNvIO4H9wxUHPGQAdRZ6Q/viewform" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">It's too risky 😨</a></li><li class="mb-4"><a href="https://docs.google.com/forms/d/e/1FAIpQLSf86N3PsJmeLG3Dmqw2YYIKsgSmXdNvIO4H9wxUHPGQAdRZ6Q/viewform" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">Yes!</a></li></ul></div></div><div class="pb-16"><div data-component="component-container" class="container px-0" data-testid="thrive-home-sample-newsletter-poll-result-component"><p class="m-0 mb-2 p-0 font-interBold text-2xl">Last week's Poll</p><p class="m-0 mb-2 p-0">Is AI your friend or enemy when it comes to work?</p><p class="m-0 mb-2 p-0 font-interBold">It's going to take away my job 😫 ! – 50%</p><p class="m-0 mb-2 p-0 font-interBold">I think I'll figure out how to roll with this…– 50%</p></div></div></div><div class="border-gray-[#e8e8e8] border-t-4 border-double bg-white pt-10"><div data-component="component-container" class="container text-gray-850 bg-white pb-10 px-6" data-testid="thrive-home-sample-newsletter-top-footer-component"><p class="thrive-past-event-title m-0 p-0 pb-4 text-center font-interBold text-2xl text-white">Enjoy this newsetter?</p><div class="flex items-center justify-center gap-4 md:w-auto lg:flex-col"><div class="text-center"><a href="https://docs.google.com/forms/d/e/1FAIpQLScqPmOEJL_71i-mV6-YhvMVYFykfIOdTZun4TJrfhFKCEruXw/viewform" target="_blank" rel="noreferrer"><img src="/assets-web2/thrive-newsletter-yeah-u_WHTvQY.jpg" alt="Yeah newsletter"/></a><p>Yeah</p></div><div class="text-center"><a href="https://docs.google.com/forms/d/e/1FAIpQLScqPmOEJL_71i-mV6-YhvMVYFykfIOdTZun4TJrfhFKCEruXw/viewform" target="_blank" rel="noreferrer"><img src="/assets-web2/thrive-newsletter-nah-CkrD5O6I.jpg" alt="Nah newsletter"/></a><p>Nah</p></div></div><p class="pt-4 text-center">Invite your friends to join the Thrive community.</p><p class="pt-2 text-center">Simply send them this link:<!-- --> <a href="https://bt.sg/thrive" target="_blank" class="border-b-2 border-green-400" rel="noreferrer">bt.sg/thrive</a></p></div><div data-component="component-container" class="container px-6 text-gray-850 bg-gray-850 pt-20 pb-40" data-testid="thrive-home-sample-newsletter-bottom-footer-component"><div class="flex flex-wrap items-center justify-center gap-4 px-5 pb-8 text-center"><a class="flex w-full items-center justify-center gap-2 border border-orange-400 bg-white p-3 text-center md:w-auto lg:w-full" href="https://www.tiktok.com/@thrivebt"><svg aria-hidden="true" focusable="false" data-prefix="fab" data-icon="tiktok" class="svg-inline--fa fa-tiktok " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path fill="currentColor" d="M448,209.91a210.06,210.06,0,0,1-122.77-39.25V349.38A162.55,162.55,0,1,1,185,188.31V278.2a74.62,74.62,0,1,0,52.23,71.18V0l88,0a121.18,121.18,0,0,0,1.86,22.17h0A122.18,122.18,0,0,0,381,102.39a121.43,121.43,0,0,0,67,20.14Z"></path></svg><span class="font-semibold uppercase">We're here</span></a><a class="flex w-full items-center justify-center gap-2 border border-orange-400 bg-white p-3 text-center md:w-auto lg:w-full" href="https://www.instagram.com/thrive_bt/"><svg aria-hidden="true" focusable="false" data-prefix="fab" data-icon="instagram" class="svg-inline--fa fa-instagram " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path fill="currentColor" d="M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z"></path></svg><span class="font-semibold uppercase">and here</span></a></div><p class="text-center text-4xs text-white">Everything in this newsletter is for your general information only. Consult a qualified financial professional or expert for independent advice and verification.</p><p class="text-center text-4xs text-white">Was this email forwarded to you? <a href="https://www.businesstimes.com.sg/thrive" target="_blank" class="underline" rel="noreferrer">Sign up here.</a></p><p class="text-center text-4xs text-white"><a href="https://www.businesstimes.com.sg/bt_newsletter/unsubscribe?edition=60845" target="_blank" class="underline" rel="noreferrer">Unsubscribe</a> <!-- -->from Thrive publications.</p><p class="m-0 p-0 text-center font-interBold text-white">THRIVE by THE BUSINESS TIMES.</p><p class="text-center text-4xs text-white">Copyright © 2023 SPH Media Limited. All Rights Reserved.</p></div></div></div></div><div class="absolute bottom-[1px] z-10 mt-10 hidden items-end justify-center gap-2 rounded-b-[5px] border-x-2 border-b-2 border-gray-850 bg-gradient-to-t from-white from-85% to-100% py-3 lg:flex lg:w-80"><p class="mb-0 text-lg">scroll to preview</p><img src="data:image/svg+xml,%3csvg%20width='31'%20height='31'%20viewBox='0%200%2031%2031'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cpath%20d='M14.5438%205.17295C14.4826%205.20545%2014.3555%205.30294%2014.162%205.46559C13.8259%205.74207%2013.5866%205.93312%2013.4441%206.03879C12.1608%207.1202%2011.2443%207.87223%2010.6945%208.29503C10.3583%208.57151%209.80335%209.0877%209.02937%209.84383C8.08233%2010.8032%207.57309%2011.4212%207.50182%2011.6977C7.48154%2011.7627%207.72584%2011.9212%208.23509%2012.1732C8.5406%2012.3195%209.05987%2012.5553%209.79314%2012.8806L9.80848%2012.8684C9.79825%2012.8845%209.79314%2012.9009%209.79314%2012.9172C9.75239%2013.0554%2010.2922%2013.1449%2011.4124%2013.1855L11.4124%2017.0881C10.7402%2017.0556%2010.0784%2017.0433%209.42661%2017.0515C8.10263%2017.0758%207.4611%2017.1653%207.50182%2017.3198C7.57308%2017.5963%208.08233%2018.2142%209.02937%2019.1735C9.80335%2019.9297%2010.3583%2020.446%2010.6945%2020.7224C11.2443%2021.1452%2012.1608%2021.8972%2013.4441%2022.9787C13.5866%2023.0843%2013.8259%2023.2754%2014.162%2023.5518C14.3555%2023.7143%2014.4826%2023.812%2014.5438%2023.8445C14.6966%2023.9095%2015.2464%2024.2021%2016.1936%2024.7226C16.4074%2024.8364%2016.5805%2024.9218%2016.7129%2024.9786C16.7639%2025.0193%2016.8046%2025.0477%2016.8351%2025.064C16.9879%2025.129%2017.1202%2025.129%2017.2322%2025.064C17.2629%2025.0397%2017.3749%2024.9421%2017.5684%2024.7714C17.8229%2024.5599%2018.0572%2024.3689%2018.271%2024.1982C19.5542%2023.1168%2020.4707%2022.3648%2021.0206%2021.942C21.3566%2021.6655%2021.9117%2021.1493%2022.6857%2020.393C23.6327%2019.4338%2024.152%2018.8158%2024.2437%2018.5393C24.264%2018.3849%2023.6173%2018.2954%2022.3038%2018.271C21.6418%2018.2629%2020.9747%2018.2751%2020.3026%2018.3076L20.3026%2013.1488C20.9746%2013.1813%2021.6418%2013.1934%2022.3038%2013.1854C23.6174%2013.1609%2024.264%2013.0716%2024.2437%2012.9171C24.152%2012.6406%2023.6327%2012.0227%2022.6857%2011.0633C21.9117%2010.3072%2021.3566%209.79098%2021.0206%209.51448C20.4707%209.09169%2019.5542%208.33965%2018.271%207.25825C18.0572%207.08759%2017.8229%206.89653%2017.5684%206.68505C17.3749%206.5144%2017.2629%206.41674%2017.2322%206.39241C17.2017%206.37607%2017.1661%206.36399%2017.1253%206.35583C16.9828%206.29066%2016.7332%206.15659%2016.3769%205.95327C15.8881%205.6688%2015.5368%205.47364%2015.3228%205.36797C15.0988%205.25415%2014.9512%205.1769%2014.8799%205.13624C14.8087%205.09558%2014.6966%205.10783%2014.5439%205.17282M14.7118%205.77036C15.5164%206.13633%2016.0866%206.44922%2016.4228%206.70938C16.1071%206.9697%2015.8779%207.15261%2015.7354%207.25828C14.4522%208.33968%2013.5357%209.09172%2012.9858%209.51451C12.6496%209.79099%2012.0947%2010.3072%2011.3207%2011.0633C10.7709%2011.6244%2010.3686%2012.0675%2010.114%2012.3926C8.98357%2011.978%208.36248%2011.6406%208.25048%2011.3805C8.46427%2011.1772%208.74951%2010.9089%209.10582%2010.5756C10.1751%209.543%2010.832%208.92098%2011.0764%208.70965C11.1985%208.58765%2011.9471%207.98605%2013.3219%206.90465C13.9939%206.37618%2014.4573%205.99816%2014.7119%205.77049M11.718%2018.271C10.394%2018.2954%209.75245%2018.3849%209.79317%2018.5393C9.86443%2018.8158%2010.3737%2019.4338%2011.3207%2020.393C11.6262%2020.6859%2011.8961%2020.946%2012.1304%2021.1737C11.5091%2020.6777%2011.1577%2020.3891%2011.0764%2020.3078C10.832%2020.0963%2010.1751%2019.4745%209.10582%2018.4419C8.74951%2018.1084%208.4643%2017.8401%208.25048%2017.637L11.8707%2017.6613C12.0438%2017.7669%2012.2882%2017.9012%2012.604%2018.0638C12.7567%2018.145%2012.8993%2018.2183%2013.0316%2018.2833C12.5938%2018.267%2012.1558%2018.2629%2011.718%2018.2711M13.7038%2018.1004C13.4185%2018.0109%2013.2301%2017.9337%2013.1386%2017.8687C12.6089%2017.5434%2012.227%2017.3402%2011.993%2017.2589L11.993%2013.1856C12.553%2013.1856%2013.1233%2013.1733%2013.7038%2013.149L13.7038%2018.1004Z'%20fill='%23D97A5A'/%3e%3c/svg%3e" alt="arrow"/></div></div></div><div class="absolute -bottom-5 -left-[0.2rem] mt-10 flex h-28 w-full items-end justify-center gap-2 bg-gradient-to-t from-[#FFFCF2] from-30% to-80% py-3 lg:hidden"><p class="mx-5 w-full border-2 border-orange-400 bg-white px-4 py-3 text-center font-semibold uppercase text-gray-850">Keep reading</p></div></div></div></div><div class="overflow-hidden py-28"><img class="w-full scale-[3] lg:scale-[1.3]" src="/assets-web2/thrive-curve-word-B2CypcnH.webp" alt="One two thrive" height="99" width="1800"/></div><div class="overflow-hidden font-inter" data-testid="thrive-home-start-conversation-component"><div data-component="component-container" class="container px-5 md:px-8 relative"><p class="mb-20 text-center text-7xl lg:text-9xl">Starting Conversations<span class="text-green-400">.</span></p><div class="grid-cols-3 gap-16 text-gray-850 lg:grid" data-testid="thrive-home-conversation-card-component"><div class="group relative my-16 lg:z-10 lg:m-0"><p class="absolute -top-10 right-0 text-7xl lg:left-full lg:top-0 lg:-rotate-180 lg:[writing-mode:tb-rl]">CAREER<span class="text-green-400">.</span></p><div class="h-full border border-black bg-white px-6 py-4 group-hover:shadow-thriveNewsletterHover"><img src="/assets-web2/thrive-career-BBU_AUQg.svg" class="mx-auto" alt="career"/><p class="text-lg">Navigate working life and get first dibs on exclusive networking events.</p></div></div><div class="group relative my-16 lg:z-10 lg:m-0"><p class="absolute -top-10 right-0 text-7xl lg:left-full lg:top-0 lg:-rotate-180 lg:[writing-mode:tb-rl]">MONEY<span class="text-green-400">.</span></p><div class="h-full border border-black bg-white px-6 py-4 group-hover:shadow-thriveNewsletterHover"><img src="/assets-web2/thrive-money-DKOtJ5ly.svg" class="mx-auto" alt="money"/><p class="text-lg">No-frills content on personal finance and investing.</p></div></div><div class="group relative my-16 lg:z-10 lg:m-0 z-10"><p class="absolute -top-10 right-0 text-7xl lg:left-full lg:top-0 lg:-rotate-180 lg:[writing-mode:tb-rl]">LIFE<span class="text-green-400">.</span></p><div class="h-full border border-black bg-white px-6 py-4 group-hover:shadow-thriveNewsletterHover"><img src="/assets-web2/thrive-self-DBU_lXUw.svg" class="mx-auto" alt="self"/><p class="text-lg">Join in conversations on growing, living, and adulting.</p></div></div></div></div><div class="relative overflow-hidden py-10 text-center -mt-40 lg:-mt-28" data-testid="thrive-center-subscription-component"><div class="relative -ml-2 w-[101vw] -rotate-2 border-y-2 border-black bg-white pb-60 pt-56"></div><div class="absolute left-1/2 top-1/2 w-full -translate-x-1/2 -translate-y-1/2 p-10 text-center lg:w-auto lg:p-20"><p class="m-0 p-0 text-7xl lg:text-9xl">Maximise your time.</p><p class="mt-0 p-0">The good stuff on work and money, every Friday.</p><div class="mx-auto mt-4 w-full border border-black bg-white shadow-thriveButton transition-all duration-150 hover:shadow-thriveNewsletterHover lg:w-fit" data-testid="thrive-subscription-component"><form class="flex flex-col items-start border-b border-gray-850 lg:w-458px" aria-label="thrive-newsletter-form"><div class="flex items-center self-stretch"><input class="flex w-1/2 flex-grow flex-col items-start bg-white px-5 py-4 font-inter text-gray-850 outline-none placeholder:text-gray-600 lg:w-auto" name="email" type="email" inputMode="email" placeholder="Email" required="" data-rac="" value=""/><button type="submit" class="flex-center lg:flex-end flex items-center bg-orange-400 px-5 py-4 font-interBold text-base uppercase leading-6 text-white outline-none" data-rac="" id="react-aria-:R9t6cu5:">Sign up</button></div></form></div><div role="alert" data-testid="emarsys-newsletter-error" class="relative col-span-6 flex font-inter text-xs font-semibold text-red lg:w-458px"></div></div></div></div><div data-component="component-container" class="container p-20 px-10 pb-20 font-inter text-gray-850" data-testid="thrive-get-social-component"><div class="mt-4 border border-black bg-white shadow-thriveButton transition-all duration-150 hover:shadow-thriveNewsletterHover relative w-full items-center justify-between p-4 lg:flex lg:p-20"><p class="absolute -top-10 right-0 hidden font-inter text-7xl uppercase lg:left-full lg:top-0 lg:block lg:-rotate-180 lg:[writing-mode:tb-rl]">Get Social <span class="text-green-400">.</span></p><div class="max-w-2/5 -top-28 left-0 z-10 mx-auto -mt-36 lg:absolute lg:mt-auto lg:w-2/5"><img src="/assets-web2/thrive-plane-y0Le0J4c.svg" class="w-full" alt="get social"/></div><div class="ml-auto text-center lg:text-right"><p>Be a part of the Thrive community.</p><div class="flex flex-col gap-4 lg:flex-row"><a class="group flex items-center justify-center gap-2 border-2 border-orange-400 px-6 py-4 text-center hover:bg-orange-400" href="https://www.tiktok.com/@thrivebt"><svg aria-hidden="true" focusable="false" data-prefix="fab" data-icon="tiktok" class="svg-inline--fa fa-tiktok group-hover:text-white" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path fill="currentColor" d="M448,209.91a210.06,210.06,0,0,1-122.77-39.25V349.38A162.55,162.55,0,1,1,185,188.31V278.2a74.62,74.62,0,1,0,52.23,71.18V0l88,0a121.18,121.18,0,0,0,1.86,22.17h0A122.18,122.18,0,0,0,381,102.39a121.43,121.43,0,0,0,67,20.14Z"></path></svg><span class="font-interSemibold uppercase group-hover:text-white">We're here</span></a><a class="group flex items-center justify-center gap-2 border-2 border-orange-400 px-6 py-4 text-center hover:bg-orange-400" href="https://www.instagram.com/thrive_bt/"><svg aria-hidden="true" focusable="false" data-prefix="fab" data-icon="instagram" class="svg-inline--fa fa-instagram group-hover:text-white" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path fill="currentColor" d="M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z"></path></svg><span class="font-interSemibold uppercase group-hover:text-white">and here</span></a></div></div></div></div><div class="bg-white font-inter text-gray-850" data-testid="thrive-mini-about-us-component"><div data-component="component-container" class="container lg:p-20 lg:px-10 py-10 px-6 pb-12 font-inter"><div class="gap-10 lg:flex"><div class="lg:w-2/5"><img src="/assets-web2/thrive-meet-the-thrivers-D7uitnqo.png" alt="meet the thrivers" width="450" height="397"/></div><div class="lg:w-3/5"><h2 class="mb-2 mt-6 font-inter">About us<span class="text-green-400">.</span></h2><p class="text-lg">Hello there! We are a bunch of (relatively) young people creating content for other young people on career, money and life. We aim to build a community where we can discuss issues that really matter. Adulting's tough, but you don't have to do it alone. Thrive is owned by The Business Times, part of SPH Media.</p><div class="h-full"><a class="border border-orange-400 px-4 py-3 font-interSemibold uppercase hover:bg-orange-400 hover:text-white" href="/thrive/about-us">Meet the team</a></div></div></div></div></div><div class="flex justify-center bg-gray-850 font-poppins"><div data-component="component-container" class="container w-full px-14 pb-20" data-testid="thrive-footer-component"><a class="flex items-center justify-center text-white lg:hidden" href="/thrive#thrive-events-page"><img src="data:image/svg+xml,%3csvg%20width='48'%20height='48'%20viewBox='0%200%2048%2048'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3cg%20id='Frame%2030'%20opacity='0.7'%3e%3cpath%20id='Vector%203'%20d='M36%2030L24%2018L12%2030'%20stroke='white'%20stroke-width='2'/%3e%3c/g%3e%3c/svg%3e" alt="Thrive Scroll top" width="48" height="48"/></a><div class="flex flex-col justify-center py-36 font-inter text-white lg:items-center lg:text-center"><h2 class="mb-2 font-inter text-7xl font-normal lg:text-10xl">Join us<span class="text-green-400">.</span></h2><div data-testid="thrive-subscription-component"><form class="flex flex-col items-start border-b border-gray-850 lg:w-458px" aria-label="thrive-newsletter-form"><div class="flex items-center self-stretch"><input class="flex w-1/2 flex-grow flex-col items-start bg-white px-5 py-4 font-inter text-gray-850 outline-none placeholder:text-gray-600 lg:w-auto" name="email" type="email" inputMode="email" placeholder="Email" required="" data-rac="" value=""/><button type="submit" class="flex-center lg:flex-end flex items-center bg-orange-400 px-5 py-4 font-interBold text-base uppercase leading-6 text-white outline-none" data-rac="" id="react-aria-:R2d9cu5:">Sign up</button></div></form></div><div role="alert" data-testid="emarsys-newsletter-error" class="relative col-span-6 flex font-inter text-xs font-semibold text-red lg:w-458px"></div><span class="mt-2 self-stretch text-center text-lg font-normal">We respect your privacy.</span></div><div class="flex flex-col flex-wrap items-center justify-center gap-6 border-t-2 border-gray-950 pt-12 font-inter lg:flex-row lg:justify-start lg:gap-8"><a href="/thrive"><img height="60px" width="60px" src="/assets-web2/thrive-icon-CAPFocNG.svg" alt="Thrive"/></a><p class="flex-basis m-0 p-0"><a class="text-white hover:underline" rel="noopener noreferrer" href="https://www.sph.com.sg/legal/sph_privacy/?_gl=1*owaov8*_gcl_au*MTg1MzkzNDM0Ni4xNjk1NjExMzU0" target="_blank">Privacy Policy</a></p><p class="flex-basis m-0 p-0"><a class="text-white hover:underline" rel="noopener noreferrer" href="https://www.sph.com.sg/legal/website_tnc/?_gl=1*m600nc*_gcl_au*MTg1MzkzNDM0Ni4xNjk1NjExMzU0" target="_blank">Terms & Conditions</a></p><p class="flex-basis m-0 p-0"><a class="text-white hover:underline" rel="noopener noreferrer" href="https://www.sph.com.sg/legal/cookie-policy/?_gl=1*1mvmsna*_gcl_au*MTg1MzkzNDM0Ni4xNjk1NjExMzU0" target="_blank">Cookie Policy</a></p><p class="flex-basis m-0 p-0"><a class="text-white hover:underline" rel="noopener noreferrer" href="https://www.sph.com.sg/legal/sph_privacy/" target="_blank">Data Protection Policy</a></p><p class="flex-basis mb-0 text-white">©2024 The Business Times</p><div class="ml-auto hidden justify-end gap-6 lg:flex"><a href="https://www.tiktok.com/@thrivebt"><img height="60px" width="60px" src="data:image/svg+xml,%3csvg%20width='60'%20height='61'%20viewBox='0%200%2060%2061'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3crect%20y='0.606934'%20width='60'%20height='60'%20rx='30'%20fill='white'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M34.8519%2017.6069C35.2974%2021.4384%2037.4358%2023.7226%2041.1539%2023.9656V28.275C38.9992%2028.4856%2037.1118%2027.7809%2034.9167%2026.4524V34.5122C34.9167%2044.7509%2023.7545%2047.9505%2019.267%2040.6117C16.3833%2035.8892%2018.1491%2027.6027%2027.3996%2027.2705V31.8148C26.6949%2031.9282%2025.9416%2032.1064%2025.253%2032.3413C23.1956%2033.0379%2022.0291%2034.3421%2022.3532%2036.6426C22.9769%2041.0491%2031.0609%2042.3532%2030.3886%2033.7427V17.615H34.8519V17.6069Z'%20fill='%232B2B2B'/%3e%3c/svg%3e" alt="Thrive Tiktok"/></a><a href="https://www.instagram.com/thrive_bt" target="_blank"><img height="60px" width="60px" src="data:image/svg+xml,%3csvg%20width='60'%20height='61'%20viewBox='0%200%2060%2061'%20fill='none'%20xmlns='http://www.w3.org/2000/svg'%3e%3crect%20y='0.606934'%20width='60'%20height='60'%20rx='30'%20fill='white'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M23.7497%2019.4611C21.0458%2019.4611%2018.8538%2021.6531%2018.8538%2024.357V36.857C18.8538%2039.5609%2021.0458%2041.7528%2023.7497%2041.7528H36.2497C38.9536%2041.7528%2041.1455%2039.5609%2041.1455%2036.857V24.357C41.1455%2021.6531%2038.9536%2019.4611%2036.2497%2019.4611H23.7497ZM16.1455%2024.357C16.1455%2020.1573%2019.55%2016.7528%2023.7497%2016.7528H36.2497C40.4493%2016.7528%2043.8538%2020.1573%2043.8538%2024.357V36.857C43.8538%2041.0566%2040.4493%2044.4611%2036.2497%2044.4611H23.7497C19.55%2044.4611%2016.1455%2041.0566%2016.1455%2036.857V24.357Z'%20fill='%232B2B2B'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M30.5892%2026.9465C29.8306%2026.834%2029.0559%2026.9636%2028.3752%2027.3168C27.6945%2027.67%2027.1426%2028.2288%2026.7978%2028.9138C26.453%2029.5988%2026.333%2030.375%2026.4548%2031.1321C26.5767%2031.8892%2026.9341%2032.5886%2027.4764%2033.1309C28.0186%2033.6731%2028.718%2034.0306%2029.4752%2034.1524C30.2323%2034.2743%2031.0085%2034.1543%2031.6935%2033.8095C32.3785%2033.4647%2032.9373%2032.9127%2033.2905%2032.2321C33.6437%2031.5514%2033.7733%2030.7767%2033.6608%2030.0181C33.546%2029.2444%2033.1855%2028.528%2032.6324%2027.9749C32.0793%2027.4218%2031.3629%2027.0612%2030.5892%2026.9465ZM27.1278%2024.9128C28.3141%2024.2972%2029.6644%2024.0714%2030.9864%2024.2675C32.335%2024.4674%2033.5834%2025.0958%2034.5474%2026.0598C35.5114%2027.0238%2036.1398%2028.2723%2036.3398%2029.6209C36.5359%2030.9429%2036.31%2032.2931%2035.6945%2033.4794C35.0789%2034.6658%2034.105%2035.6278%2032.9111%2036.2287C31.7173%2036.8296%2030.3644%2037.0387%2029.0449%2036.8264C27.7253%2036.614%2026.5064%2035.991%2025.5613%2035.046C24.6162%2034.1009%2023.9932%2032.8819%2023.7809%2031.5624C23.5686%2030.2428%2023.7777%2028.89%2024.3786%2027.6961C24.9795%2026.5023%2025.9415%2025.5284%2027.1278%2024.9128Z'%20fill='%232B2B2B'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M35.5205%2023.7319C35.5205%2022.984%2036.1268%2022.3777%2036.8747%2022.3777H36.8862C37.6341%2022.3777%2038.2404%2022.984%2038.2404%2023.7319C38.2404%2024.4798%2037.6341%2025.0861%2036.8862%2025.0861H36.8747C36.1268%2025.0861%2035.5205%2024.4798%2035.5205%2023.7319Z'%20fill='%232B2B2B'/%3e%3c/svg%3e" alt="Thrive Instagram"/></a></div></div></div></div></div></div></div><div id="sph_cdp_76"></div><span data-testid="package-version-tag" class="hidden">2.2.15</span><span data-testid="page-generated-at-tag" class="hidden"></span><script>window.__staticRouterHydrationData = JSON.parse("{\"loaderData\":{\"1\":\"undefined\"},\"actionData\":null,\"errors\":null}");</script></div> <div id="mysph" lan="en" svc="bts"></div> <script type="text/javascript"> var _mySPHObj; </script> </body> </html>