Thinking of buying your first home but terrified of making the wrong move? You’re not alone. In continuation of our previous NOTG episode, Yu Rong, Alexa, and Lyndon from PropertyLimBrothers dive into Ryan’s case study—a 28-year-old earning $12K a month, who’s on the verge of buying his first property—but struggling with uncertainty.

They explore the modern-day fears of young buyers: market volatility, loan limits, and whether to start with a 2-bedder or stretch for a 3-bedder. Yu Rong reflects on what he wishes he knew earlier, while the team shares crucial tips on saving, splitting your property portfolio, index funds, and insurance hacks just for men.
This is the episode every 25 to 35-year-old should hear before making that big decision. Don’t stay passive—your future depends on it. Tune in now!

00:00 Introduction
01:02 Ryan’s income growth and property plans
02:16 Regrets about past property investment opportunities
05:46 Importance of financial knowledge and planning
07:39 Current property options for young professionals
08:49 Case study: A 26-year-old saving aggressively
10:54 Investing in property vs. stock market
12:09 Steps for young earners to save and invest
15:19 The role of parents in property investment
16:47 Saving strategies based on different income levels
19:05 Budgeting for living expenses and lifestyle choices
22:49 Insurance planning and SAF coverage
25:19 Back to Ryan’s property investment strategy
27:30 Renting vs buying for young investors
28:53 Key financial takeaways from the discussion
30:06 Closing remarks and recap
32:26 Outtakes