Every 5 years??? you must be living in dinosaur times, in fact, due
to the new world order, every year there is a recession, up and
down is so fast,
1) 30 years is a good loan plan, afterall, whatever you work on,
the employers have to foot the 15.5% per cent of CPF for you, and
these 15.5% can be use for paying your loan, for your own CPF
contribution of 20%, nearly 5% goes into your medisave and SA.
2) Kids is up to each individual, the govt is no more so hardup
for local to have kids, notice that they already stop all family
building intiative plans, the focus now is more on new foreigner
citizenship. So, without kids, people dun have to worry so much
about paying high cost for HDB.
3) the question about your growth is very simple,
physically, you will grow bigger, unless you got internal health
problem, then you may shrink, on the monetary and career growth,
just follow the Cheaper, Better and Faster way of doing thing, go
for courses to upgrade yourself, stay relevant to the job and the
society, save for the raining days, be mutliple skilled so as to
adapt to any changes.
