# data[].attributes.body
Influenced by friends, neighbourhood

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receives baby bonus, LifeSG, GST payouts and vouchers but still not able to manage household expenses and influenced by neighbours to make use of the available schemes

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Unable to work because over retirement age or too young

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Serving NS - opportunity cost of loss income

# data[].attributes.subject
Serving NS - opportunity cost of loss income

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matters more for low income family

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Living in rental flats with low income and like minded individuals who are not motivated to work

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Lack of tools for education + knowledge building

Lack of knowledge/worries in using digital financial platforms

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Different cultures have different saving habits - Example: Syariah Law  have an investment limitation 

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Different cultures have different saving habits - Example: Syariah Law  have an investment limitation 

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Influenced by trends and peer pressure which could result in impulse spending --> further impacting their finances

Spreading mis-information + receiving false information

Being more vulnerable to scams - Job scams, investment scams

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no aspiration to buy a flat and or unable to afford

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For families who are not as financially literate, children are not able to model such behaviours i.e. savings, setting long-term financial goals

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Females might be expected to stay at home to take on the role of a caregiver and not be allowed to work.

Males expected to work

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overly reliant on financial assistance

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FSCs & SSOs are always there to guide them (very reliant)

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Some parents are more knowledgeable in financial literacy and can teach their children. On the other hand, some children can grow up in a household where parents do not know how to stabilise their finances, and children may grow up learning similar behaviours.

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Some people may learn financial literacy later in their years and may not be able to leverage on time to build their savings and investments

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CPF requirements; eligibility of meeting PCHI criteria for assistance 

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CPF requirements; eligibility of meeting PCHI criteria for assistance 

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Children have the aspirations/motivations i.e. coding, piano, self-defense classes but lack the capital to register for enrichment classes

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- Religous teachings impacting financial planning

Tithes and offerings

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Housing Policies - example: if you don't have a CPF paying job - the chances of getting a HDB flat - is lower 

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Housing Policies - example: if you don't have a CPF paying job - the chances of getting a HDB flat - is lower 

# data[].attributes.body
ComCare, Workfare Income Supplement (WIS), SkillsFuture and financial literacy initiatives help individuals improve employability, income and money management. However, some may fear that a higher income will make them ineligible for financial assistance, subsidies, or other forms of social support. This perceived trade-off may reduce their motivation to seek better employment opportunities, even when doing so could improve their long-term financial well-being.

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Men control the household finances - women have little/no say in the family's financial well-being 

# data[].attributes.subject
Men control the household finances - women have little/no say in the family's financial well-being 

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Cultural values influence how families use their money. Even if they know saving is important, they may choose to spend more on special occasions because they see it as a way to show love, care, and maintain close family relationships.