My HDB Loan repayment strategy that will Offend many people...

Is being "debt-free" actually costing you thousands of dollars? In 2026, the financial landscape has changed, and many Singaporeans are making emotional decisions with their CPF that do not match the math. In this video, I break down why paying off your HDB loan as fast as possible might be a mistake and how to use a simple two-step strategy to grow your retirement nest egg instead. Sponsor: 🏠 Cashew https://hmsg.link/refinance (Mortgage Broker) How I used Cashew to refinance my HDB Loan to Bank Loan: https://youtu.be/MKIZIUcN2UU I invest my CPF OA with 📝 POEMS Cash Plus: https://hmsg.link/poems _________________________________ 📈 Click https://hmsg.link/ibkr to see my preferred broker 💹 Interactive Brokers 🔭 Telegram Group: https://hmsg.link/telegram 📷 Instagram @HoneyMoneySG https://www.instagram.com/honeymoneysg 🦙 My Brown Llama/Alpaca https://s.shopee.sg/9zmyORhsqv 🌟 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. _________________________________ 🚀 Key Highlights: - The "Accrued Interest" Trap: Why using CPF to pay off your home isn't actually "free" and how you are just moving debt ownership to your CPF account. - HDB Loan vs. Bank Loan: Why the 2.6% HDB rate is expensive in 2026 and how switching to a bank loan could save you over $3,000 a year. - The Math of Arbitrage: Why it makes sense to keep a low-interest loan (e.g., 1.5%) while letting your CPF OA earn 2.5% or more through investing. - Cost Control in Investing: My personal choice of using POEMS for Amundi unit trusts to ensure zero sales charges and zero platform fees. #SponsoredBy #Cashew