From Employer CPF contributions to the Annual Wage Supplement (AWS), we strip away the fluff to find out what the actual take-home pay looks like for the average Singaporean graduate in 2025. Sponsor: 🌉 Longbridge SG https://hmsg.link/longbridge Code UIKHFMD9 🔥 Get 5% p.a. Boost and CNY Angbao + Free Stocks* (up to S$1370). *T&Cs apply. Longbridge Securities Pte. Ltd. is a licensed entity regulated by the Monetary Authority of Singapore (MAS) (License number: CMS101211), holds a capital market service license and has an exempted financial advisor qualification. _________________________________ 🔭 Telegram Group: https://hmsg.link/telegram 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg ⭐️ Website https://honeymoneysg.com 🌟 My referral codes: https://t.me/sgpromocode 📙 Solo Biz: https://hmsg.link/solobiz ☕️ Buy my Spreadsheets at Ko-Fi: https://hmsg.link/shop 🎵 TikTok https://www.tiktok.com/@honeymoneysg 📧 Email (Business only): sghoneymoney@gmail.com 🏦 CREDIT CARDS 💳 🔗 https://hmsg.link/creditcard 📈 INVESTING & TRADING PLATFORMS 📈 🔗 https://hmsg.link/investing 💳 MULTI-CURRENCY CARD/WALLET 👛 🔗 https://hmsg.link/multi 💰 PAYMENT APPS 💰 🔗 https://hmsg.link/pay 🏦 FINANCIAL APPS 🏦 🔗 https://hmsg.link/finance 💼 BUSINESS 💼 🔗 https://hmsg.link/business ✈️ TRAVEL ✈️ 🔗 https://hmsg.link/travel 🛡️ Travel Insurance offers 🛡️ 🔗 https://hmsg.link/travelinsurance 🛍 LIFESTYLE 🛍 🔗 https://hmsg.link/lifestyle 👨🏻💻 PROFESSIONAL SERVICES 👨🏻💻 🔗 https://hmsg.link/services 🎥 FILMING & SOFTWARE 🎥 🔗 https://hmsg.link/film Disclaimer: The information provided in any affiliate referral or recommendation should not be considered as financial advice. The content is for general information purposes only and does not take into account your personal financial situation, goals or objectives. You should always do your own research and seek professional advice before making any financial decisions. We may receive compensation for affiliate referrals, but this does not influence our recommendations or reviews. _________________________________ Is the $9,000 Degree Holder Salary a Myth? 🇸🇬 The headlines are screaming that degree holders in Singapore are now making over $9,038 per month. While that number looks incredible on paper, is it actually hitting your bank account? In this video, I’m breaking down the "real math" behind the Ministry of Manpower’s latest Labor Force Survey to show you why that $9k figure might be emotionally misleading. 📌 Video Highlights The $9,038 Breakdown: Understanding why "Total Cost to Company" is very different from your monthly paycheck. The CPF Impact: How the $102,000 salary ceiling affects high earners and what it means for your 17% employer contribution. Base Pay vs. Gross Pay: Why the "real" monthly salary for many degree holders is closer to $7,000 before taxes. Take-Home Reality: Calculating the actual cash ($5,607) that enters your bank account after the 20% employee CPF deduction. Fresh Grad Benchmarks: Why the median salary for ages 25 to 29 is actually $6,338 (and what the "clean" number is). The Comparison Trap: Why you shouldn't feel "lousy" comparing yourself to mid-career professionals in their 40s. Building Wealth: Moving beyond active income and using investing to reach your life milestones (weddings, housing, kids). #SponsoredBy #Longbridge

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