Because Singaporeans spend some of the longest times in the world living with their parents, being fully independent can be pretty difficult. Sure, you can give your parents an allowance, do the laundry, pay the bills, bring in the clothes when the sky turns grey – but that’s not really all there is to being a mature and responsible adult, is it?

Take it from us – there’s so much more to adulting (yes, this word actually exists) than (finally) doing household chores you should have been doing years ago. How will you manage your health, your personal relationships, and your professional life?

With that in mind, we created a quiz that will attempt to find out how ready you are to face the outside world. Will you live in crippling debt, or will you spread your hardened wings and soar?

Time to find out.

What did you get? If you're curious to see what the other options are, you're in luck. Here they are, ranked from least to most mature.

THE CHILD  – BELOW, BELOW AVERAGE – BELOW AVERAGE

Eh, Hello. How old already? You’re not a student anymore, and YOLO was only cool waaaay back in 2011. Time to starting preparing for your financial future, because being broke in Singapore is no laughing matter…unless you’re a comedian.

Suggested adulting goals:

-Pay off all your debts asap

-Cut down on expensive habits like smoking, taking the taxi everywhere and partying

THE FLEDGLING  –  BELOW AVERAGE - AVERAGE

Okay la, chances are that out of all of your friends, you’re not the worst when it comes to adulting. But as your school teacher once said, you have room for improvement. Don’t worry – if you start now, you still can make it.

Suggested adulting goals:

-Get a comprehensive insurance policy

-Set aside three to six months’ of expenses in an emergency fund

-Do your research and put your savings in a bank account with better interest rates

THE VETERAN – ABOVE AVERAGE

Wah, not bad ah. Despite your youthful exterior, you’re actually quite mature. You recognise that financial planning is super important if you want to have a decent life in Singapore – or anywhere else in the world for that matter. We’ve some advice that can help a little.

Suggested adulting goals:

-Grow your savings - Invest your money in the relatively safe Singapore Savings Bonds. Alternatively, top-up your CPF Special Account to enjoy attractive interest rates and grow your retirement savings.

-Save enough to (finally) treat your folks to a decent holiday

-Save up for a place you can call your own

THE MASTER – AWESOME

In this world where conversations are dominated by wanderlust and silly food trends, it’s not often that you find someone as financially savvy as yourself. It’s true you might have had to make a few sacrifices here and there, but we assure you that it’s all worth it in the end. There are few things more satisfying than becoming financially independent and you are well on your way there.

Suggested adulting goals

-Don’t forget to look after your loved ones. Money can mean many things, but it’s not everything. In addition to building up your parents’ retirement savings by topping up their CPF accounts, spend quality time with them and make sure they stay healthy too!

-Exercise regularly, it would suck if all your hard-earned cash goes into hospital bills

And if at any point you're in doubt, remember this:

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Top image from Getty.

This post is brought to you in collaboration with CPF. Because you only start being an adult when you get your own CPF account. 

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