Friday, February 27, 2026

REACH (Telegram) 124 - What are your views on the announcement of the historic low fertility rate and what more do you think can be done to encourage more Singaporeans to get married and have children?

(SK)

27 Feb 2026 (10am - 7pm)


REACH (Telegram)

REACH Singapore, [27/2/2026 9:45 am]

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REACH Singapore, [27/2/2026 10:02 am]

📢 Topic 📢

Singapore’s total fertility rate dropped significantly to a new low of 0.87 in 2025, Deputy Prime Minister Gan Kim Yong said in parliament on Thursday (Feb 26). The country's fertility rate fell below 1.0 for the first time in 2023 to 0.97, and the figure remained the same in 2024.

💬 What are your views on the announcement of the historic low fertility rate and what more do you think can be done to encourage more Singaporeans to get married and have children?

📌 Singapore’s total fertility rate

Noting the significant drop in total fertility rate from 1.24 a decade ago, Mr Gan said low birth rates and an ageing population will “profoundly reshape” Singapore, as well as its society and economy in the coming years. Singapore saw about 27,500 resident births in 2025, the lowest number in its recorded history, he added.

“The overall trend is also of grave concern. Marriage rates have come down, and those who are married have fewer children or no children,” he added. Singapore’s population is also ageing faster than ever, he said, noting that this is an existential challenge. 

Singapore’s citizen population grew 0.7 per cent in 2025, said Mr Gan. Even with immigration, the growth of the country’s citizen population has slowed over the past 10 years – falling from an average of 0.9 per cent per year between 2015 and 2020, to 0.8 per cent per year over 2020 to 2025.

“If no new measures are taken, our citizen population will start to shrink by the early part of the 2040s,” said Mr Gan.

📌 Parenthood Reset

To change the trajectory of the total fertility rate, the issue cannot be addressed by policy measures alone, said Minister in the Prime Minister’s Office Indranee Rajah, noting the need for a marriage and parenthood reset.

Singapore must reset three areas – how marriage and parenthood are viewed and supported, how workplaces can evolve to better align work and family, and how everyone can play their part, she said. 

The government will form a new workgroup with the relevant agencies to look into these issues holistically and engage widely with members of the public, businesses and the people sector, she added. 

It will build on current efforts to enhance government support for marriage and parenthood, cultivate positive mindsets about this, and work with employers to foster family-friendly workplace cultures and practices. 

📌 Immigration and the economy

At the macro level, a declining population means less vitality in Singapore and its economy, said Mr Gan. With fewer citizens, it will also become increasingly difficult to meet Singapore’s national security and defence needs, said Mr Gan. 

Even as the government redoubles its efforts to support Singaporeans in starting families and having more children, the country will still need “carefully managed” immigration flow to augment its low birth rate, said the deputy prime minister.

Depending on demographic trends, the government expects to take in between 25,000 and 30,000 new citizens each year over the next five years. The country also expects to take in about 40,000 PRs each year in the next five years, more than the 35,000 granted in 2025, he said. 

The government will ensure Singapore does not bring immigrants in faster than it can accommodate, be selective about who is brought in, and step up integration efforts, he added.

With these adjustments, Singapore hopes to maintain a citizen population with modest growth, he said, adding that this growth is likely to slow further to “about half a per cent”. 

🔗 https://www.straitstimes.com/singapore/politics/spores-total-fertility-rate-sinks-to-new-low-of-0-87?ref=top-stories

🔗 https://www.channelnewsasia.com/singapore/total-fertility-rate-tfr-2025-record-low-citizen-population-5954306

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LCL (Danny 心), [27/2/2026 10:17 am]

Reactivate:-

1. SDU

2. SDS

Or organise activities for young men and women to meet.

Be it by Government agencies or do it with commercial agencies (good ones not those scam ones).

Plus Dating Apps approve by Government (will not be scammed).

Can work with commercial dating agencies.

This will encourage more dating, foster more marriage.

Must let more young men and young women interact more - then got more sparks,

- one see love grow (一见钟情), 

- 再见催情 (See again, urge to marriage sprout), 

- 不见不行 (desire to be a couple to see one another day and night endure),

- 踏入婚堂,势在必行 (step into wedding hall, nothing can stop).

So must let young couples opportunities to meet, fan love, courtship will grow, stepping into the wedding hall is a natural progress.


365, [27/2/2026 10:21 am]

I think the government should step back and think why is low TFR an issue? We've been building on the assumption of infinite growth, that's not realistic in the long term. We are just reaping the consequences of the choices we have made earlier, even back 30 or 40 years ago.

The promise of infinite growth is starting to fall apart. In an ecosystem, if you introduce an unnatural increase in population of one species, its population would start decreasing as there's not enough resources to go about, the same could be for humans. The resource in our case not being food, but space and opportunities.

Low TFR feels like a reset back to a more acceptable population level. Whether that population still compromises of the same people is another matter altogether.

I think it's more beneficial to work towards reducing the negative impact of a decreasing population, rather than trying to reverse it.

I have previously brought up requiring Singapore citizen children for PRs to convert to citizens, this in theory increases TFR, since there won't be any new citizens without a replacement added to the statistic. We get the labour to assist us with the short term as well, and structurally the population decreases from the older population instead of the younger replacements, thus being able to gradually reset our population to a lower level while reducing its impact.

365, [27/2/2026 10:28 am]

Don't really agree with this, marriage is not a resolution anymore, with more couples opting for the DINK lifestyle. Lifestyle changes, and opportunities play a bigger role. What they can get and what they have to sacrifice.


LCL (Danny 心), [27/2/2026 10:29 am]

That's why got to create opportunities to let nature take its course.

干材烈火,一点就着。

Dry splint meet spark, once ignite love grow and become unstoppable.

This is a raw instinct of any human beings.


365, [27/2/2026 10:31 am]

Opportunities not in the sense of 2 person meeting, but other opportunities that can help them lead what is perceived as a better life, such as a decent paying career and still having work-life balance.


LCL (Danny 心), [27/2/2026 10:33 am]

This is also another condition to foster marriage.

Then once basic instinct is ignited.

Step 2, is to address what make the current youth Gen Z hesitate to tie the knot.

Then address them head-on.


365, [27/2/2026 10:35 am]

This is important even after the marriage, I know many peers who are married or already have partners they intend to marry, but still not want kids. Thus, I don't believe marriage and meetups are the primary limiting factor.

Daniel, [27/2/2026 10:38 am]

Yes, and I think that's a valid choice. I think the only people we can influence are people who either don't marry because they haven't met anyone yet, people who want kids but decide not to have them because of those factors mentioned and people who have kids but don't want to have more because of those same factors. 

Not much point harping on people who make the conscious choice to remain childless not due to any constraints.


LCL (Danny 心), [27/2/2026 10:42 am]

Only after, successful marriage, then address why don't want kids.

Eg.

1. Scared kids no career future because of AI, because of tech disruption?

2. Scared parents got to struggle to earn a living, don't want kids to suffer as well? Because afraid career not secure?  Etc etc

Tackle one step at a time by identifying root cause, then use scientific method, psychological approach, coaching, counselling if necessary, create conditions like MediaCorp collaborate to film more marriage and birth etc.

Human can be sway to do the right things - ie. Married, give birth, to ensure continuation of human civilization.

It is every human responsibility.

Must bring back and inculcate Confucian values - before our civilization will not experience existential threat.


LCL (Danny 心), [27/2/2026 10:44 am]

Love is a basic instinct of any human beings.

Be it man or woman.

It is how to ignite Love ❤️.

Because human desire for Love - can never be suppressed.


Daniel, [27/2/2026 10:46 am]

I still feel government support is too limited to the first few years. They'll give baby bonus and maternity/paternity leave. But in my personal experience what really kept us from having more than the current 2 children is that it's really though to care for kids. School closures and sickness eat away all the personal leave days making it even harder to recover from the day to day stress of working and parenting. Childcare leave also does not get more if more than one kid, even though different school levels will have different closure days and sickness is rarely perfectly synchronised. For us it was a choice of stopping at 2 or outsource upbringing our kids, which doesn't make much sense to us.

So financial support and baby bonus is not addressing all the core issues at least for a portion of parents.

365, [27/2/2026 10:46 am]

One core issue is that many (annectodal) also feel that the population in Singapore is stretching its limit already. Personally I believe we should look to maintain, or even slightly reduce the population rather than increasing it.


LCL (Danny 心), [27/2/2026 10:48 am]

Once love between a man and woman ignited, 打都打不脱。

(How you pull them apart is near impossible).

Marriage become a natural progress.


LCL (Danny 心), [27/2/2026 10:58 am]

I interacted with the youth and young people.

Their passion for love, mutual attraction between boys and girls are the same as their parent's generation.

As long as they are human, basic instinct don't change.

Except the conditions to let them interact and get together are few and far in between.

Hence after indentifying the root cause, we must prescribe the medicine.

Let them have more chance to interact and get together, to ignite the love 💕.

This is the first step that must do.


REACH Singapore, [27/2/2026 11:00 am]

[ Poll : 1. I am concerned about the declining fertility rate in Singapore. ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree

REACH Singapore, [27/2/2026 11:01 am]

[ Poll : 2. I agree that immigration is necessary to help Singapore maintain our population numbers.

 ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree

REACH Singapore, [27/2/2026 11:01 am]

[ Poll : 3. I agree that the Government is putting in sufficient measures to encourage Singaporeans to get married and have children. ]

- Strongly Agree

- Agree

- Neutral 

- Disagree

- Strongly Disagree


LCL (Danny 心), [27/2/2026 11:05 am]

Else if :-

1. Youth don't get into courtship.

2. Don't want to marry.

3. Married don't want to have kids.

Then our civilization will go into extinction.

Then no choice, let the youth knows, we got to let in more immigrants - else Singapore cannot survive and thrive.


LCL (Danny 心), [27/2/2026 11:37 am]

Next, don't make the marriage process too onerous for the young couple.

Eg 

1. How much dowry lah

2. Must stage wedding at 5 star hotel lah

3. Headache to get bto flat lah

4. Invite relatives, friends - many also don't know one another lah.

Spend big money for wedding lah, go through all the hassle lah...

Most important ask what the young couples want, not what the parents want (for face only).

If young couples want to save more money for future and dispense with very expensive wedding and can 白头到老, simple wedding ceremony is ok.


Eg.

1. Just go ROM to register then both family members go for a lunch or dinner good enough.

No need invites relatives that never even meet or know each other just to want to have "face".

As long as the couple happily marriage and live happily ever after until old age, good enough for parents.

What is the point of holding 世纪大婚宴 (century wedding) and then break up later just to show off, but cannot live happily after? 

(变成实际大笑话)- century embarrassment.

It just induce more stress on the young couples - and put them off on marriage.

2. Go honeymoon and just register for marriage Jadi.

3. Or ROM, organise a simple wedding lunch at cafe or simple restaurant good enough.


365, [27/2/2026 11:39 am]

This "process" not government mandated leh, a good number of couples do this now. It's elder expectations


LCL (Danny 心), [27/2/2026 11:40 am]

Yes.

That's why also must educate elderly and parents.

Don't exert unnecessary pressure onto the children.


LCL (Danny 心), [27/2/2026 11:47 am]

My close friend comments:-

I cannot even convince my own children to have children, what solutions can I offer? 🤷🏻‍♂️

. they worked too hard since they were very young. I only started to get serious at around sec 3, 2 years before taking O levels.

- in my generation, only about 20% moved on to University, the rest started work much earlier. 

Majority of us were likely to "settle down" at an earlier age. And for those of us who pursued university degrees, we would quietly and actively looking out for potential partners so as not to "lose out". 

For my children's generation, they are more likely to burn out by the time they graduate. Many hoping to take  a "gap" year somewhere along the way. 

For most of them, getting married, and having children would be daunting

- I highly suspect they didn't have a very happy childhood, most have both parents working and if they grew up lonely with domestic helpers, they become adamant - why have children and unable to give quality time? 

This was despite the better quality life style which they enjoy compared to my generation

- when asked about settling down and forming families, high costs is an easy reply. I really believe, "high costs" is only the tip of the ice berg since I offered support and financial help.


Jun Ming, [27/2/2026 12:34 pm]

It's a fundamental change in lifestyle where people are more attach in phones and lack of social interaction


LCL (Danny 心), [27/2/2026 12:35 pm]

Must reverse this trend.

Else Singapore human civilization will extinct.


Nicholas, [27/2/2026 12:36 pm]

Somehow my sense is that the government hasn't been engaging widely enough on getting married and having kids. Current policies don't seem to do much to encourage getting married young and having kids young. The biological clock keeps ticking forward and doesn't reverse for each individual, so policies should be encouraging marriage and kids at a younger age.


LCL (Danny 心), [27/2/2026 12:37 pm]

Yes realise suddenly the urgency to get the young engage no longer on the radar.

It surprise me.

Disbanding SDU and SDS and not organising or de-emphasizing social activities for young men and women to interact is the first that surprise me.


G, [27/2/2026 12:38 pm]

Of all people available, why is an aging spinster the chairperson to try to raise TFR?

She never experienced marriage, never experienced being a parent

G, [27/2/2026 12:44 pm]

Here's an unpopular but effective suggestion: disincentivise like they did for stop at 2

For every Singaporean adult that has 1 or less child, tax them a "not contributing to TFR tax". Tax them heavy heavy to support those who have 2 or more kids. 

And give bigger tax breaks to those with 3 or more kids


LCL (Danny 心), [27/2/2026 12:45 pm]

Then it will discourage more young couples to get married because many will probably want one or two kids 

It will further backfire on marriage.


Jun Ming, [27/2/2026 12:49 pm]

And future prospect is bad no body dare to take risk

G, [27/2/2026 12:49 pm]

Nope. Read properly. 

1 or less kid = tax extra

2 kids = status quo taxes

3 or more kids = tax breaks


LCL (Danny 心), [27/2/2026 12:51 pm]

But do the 1st step first.

Interact, get to know one another.

If got interest, become boyfriend and girlfriend.

Then see how to move on.

1st must ignite the spark, then fire will come.

To hitch, is another hurdle to cross.


LCL (Danny 心), [27/2/2026 12:51 pm]

This will backfire.

I am very sure.


Jun Ming, [27/2/2026 12:52 pm]

It's add up

1.) cost of living. I barely can support myself how can I support a family 

2.) in the past there's 养儿防老 now the idea don't relate

Nicholas, [27/2/2026 12:53 pm]

Why not provide incentives for ladies to have kids young such as "if you have two or more kids before 30 years old, your tax incentive is doubled / tripled." It increases the success rate of them having kids. Provide incentives for the guys too. Helicopter view is to encourage marriages and having kids at a younger age.


LCL (Danny 心), [27/2/2026 12:54 pm]

1. Do the 1st step first, get a job with relatively good income.

2. But look out for a girlfriend, to be friend first.

3. Next when job secure and income grow, develop into courtship and then progress from there.

Take one step at a time.

When love grow, you will get motivated.

Motivation will overcome all hurdles.


Daniel, [27/2/2026 12:54 pm]

This kind of is already the case. If you look the tax relief schemes, those scale with the number of kids. And it's substantial as well, especially for working mothers.

Daniel, [27/2/2026 12:56 pm]

So maybe can increase that, but I feel that financial incentives might not be enough.

Nicholas, [27/2/2026 12:57 pm]

Current incentives don't look at the age of the parents, policy makers are missing a very important data point.

Nicholas, [27/2/2026 1:07 pm]

Another reason is that younger workers are putting off having kids due to workplace and economic disincentives. However as they age, the probability of success of having kids decreases. So we need incentives to overcome these disincentives.

G, [27/2/2026 2:05 pm]

How so? It worked very well with the stop at 2 policy. Just tax people more to make them stop at 2.

So now just tax the people more until they reach min 2 kids. When got 3rd kid and beyond, lagi impose less tax


LCL (Danny 心), [27/2/2026 2:06 pm]

Let the majority feel it works or not.

My assessment it will backfire.


G, [27/2/2026 2:08 pm]

Yes. Make it so financially painful for young single women to stay single.

And super incentivise those who want to start a family of 4 when young. 

How long more will young women want to stay single and continue to financially support their peers who become parents via heavy taxes?

G, [27/2/2026 2:08 pm]

Explain your assessment


LCL (Danny 心), [27/2/2026 2:08 pm]

Nevermind.

Let the outcome speak for itself.


G, [27/2/2026 2:09 pm]

This is textbook opposing for the sake of opposing


LCL (Danny 心), [27/2/2026 2:10 pm]

I don't oppose for the sake of opposing if things work.

I look at issue not at the person.


G, [27/2/2026 2:16 pm]

Missed out on the part where Gan say Singapore citizens will remain the majority of the population?

What is a Singapore citizen? Nowadays that status is very cheap considering this PAP govt just open flood gate for foreigners to get citizenship so easily. 

So what will happen when Singapore citizens become the minority or gets close to becoming the minority?

To make sure Gan's statement remains true, this PAP govt will just offer more citizenship to foreigners.

So much easier to meet that target by offering citizenship to foreigners than working to raise TFR for those born-in-singapore Singaporeans

REACH Singapore, [27/2/2026 2:16 pm]

📢 Topic 📢

G, [27/2/2026 2:18 pm]

The top political leadership hasn't led by example for TFR. No kids.

The chairman of whatever new workgroup to raise TFR also hasn't led by example.

여자친구, 첫사랑 🏆, [27/2/2026 2:28 pm]

Birth rate can't be solved by throwing money. The government has to accept that it's a complex problem. Other than money, you need a radical shift in culture and mindsets. Like work being less of a priority, reduce the stress of people many things have to done. People don't wanna have children just solely because you give them money to.

Daniel, [27/2/2026 2:29 pm]

Why only women?

G, [27/2/2026 2:30 pm]

Work less means earn less.

So difficult to live in this high cost of living environment

여자친구, 첫사랑 🏆, [27/2/2026 2:30 pm]

It's the culture here. If it doesn't change don't expect more people to have babies.

여자친구, 첫사랑 🏆, [27/2/2026 2:31 pm]

Not necessarily.

G, [27/2/2026 2:31 pm]

Can include men also

But then need to extend that same working mothers tax relief to men too. Introduce a working fathers tax relief

G, [27/2/2026 2:32 pm]

Yes. There are minority exceptions. But by and large, work less = earn less

Daniel, [27/2/2026 2:33 pm]

The other schemes do apply to men: QCR and PTR.

G, [27/2/2026 2:34 pm]

Create an environment that financially makes more sense to have more kids than have less kids

After the age of 21-25(?) heavily tax those who are not married or don't have 2 kids or more.

Use those taxes to support those with 3 kids or more.

Make the singles financially support the big families thru taxes

G, [27/2/2026 2:35 pm]

Then like that people will be incentivised to start families when they are young, and disincentivised to delay starting families

G, [27/2/2026 2:36 pm]

And make those who delay indefinitely to perpetually support those who don't. And these new few-kids-taxes won't end till they die

G, [27/2/2026 2:37 pm]

And as a default, make all foreigners pay these not-enough-kids-taxes

G, [27/2/2026 2:39 pm]

What's wrong with adding on a working fathers tax relief in addition to QCR and PTR?

Can claw back those taxes lost from those who choose not to be parents

G, [27/2/2026 2:41 pm]

PTR is also only a one time one off thing. But raising a child incurs recurring expenses

G, [27/2/2026 2:43 pm]

QCR can be shared between spouses in any agreed proportion, but the total claim per child cannot exceed $4,000

But only the mother gets a working mother child relief that's recurring

Daniel, [27/2/2026 2:43 pm]

Yes, that is true.

Adam, [27/2/2026 2:43 pm]

About what it means to be a singaporean, our pm say we cannot increase our budget for spending to 'safeguard generational equity'

However what is the future generation of singaporeans? Are we gonna be ok if our tax money will be squirreled away to help children of new citizen?

New citizen is like marrying into a rich family to access the generational wealth.

G, [27/2/2026 2:44 pm]

In other words: gold diggers 😏

Adam, [27/2/2026 2:50 pm]

Men have to serve ns. For a very very long time, there is the implication that women 'serve' by birth so dun need to go for ns. Maybe not politically correct.

So what does it mean when half of people born here have to contribute by force and a significant chunk of the other half have yet to contribute, or are past the prime age to contribute?

G, [27/2/2026 2:51 pm]

By introducing a working fathers child relief similar to working mothers child relief, it will create an environment where the fathers too will be able to take home a higher take home pay, making the environment more financially conducive for the whole family

G, [27/2/2026 2:52 pm]

So if women don't give birth to enough kids for TFR, does that mean that the social compact is broken?

Adam, [27/2/2026 2:53 pm]

Men sacrifice for the nation. Parenthood and motherhood especially are large sacrifices. We barely have recognition for nsmen can give up hope for recognition and compensation for mothers

Adam, [27/2/2026 2:54 pm]

I know. We can give nsf allowance for mothers to take time away from job. First pregnancy is corporal allowance. Then 2nd is sergant

Daniel, [27/2/2026 2:54 pm]

I think the reason it's a working mother child relief is based on the fact that statically there are more mothers staying at home after giving birth, so it's an incentive to get them back to work. Seems like not much incentive needed for most fathers as based on statistics from last year a lot of them don't even use up all their paternity leave (this is just some observation, does not reflect my opinion whether this is good or not)

Adam, [27/2/2026 2:55 pm]

Actually, now stay at home, boss will still call. Wfh is normalised

Daniel, [27/2/2026 2:56 pm]

Yeah, that is an issue. We need to normalise healthy work boundaries in our work culture.

Adam, [27/2/2026 2:58 pm]

People also call me after work at 8pm sometimes. Last month i holiday in japan i have to exit the train to answer a call

G, [27/2/2026 2:59 pm]

That's the past. Need to create for the future

RY, [27/2/2026 2:59 pm]

In my opinion, Australia/Europe countries, their govt has quite gd and successful policy to support family with children

Most western people believe in work-life balance, and their companies dont encourage people to work OT, as they kind of force people to leave office after office hours  

I read b4 in some western countries HR policy, the boss/mgr/supervisor is not supposed to msg workers with rdgs to work after office hours

Most parents may spend family time together during weekends, as western mindset is enjoying life and not just earning for a living ~ work-life balance 

Singaporeans is one of most hardworking from the past surveys, in terms of OT/sleeping less and etc 

We are bring up in an environment that we must study/work hard, and hope to have some achievement later in life

That may explain why we always complaint stressful in SG

In stressful in life, we know it maybe difficult to produce babies..

In aussie/europe countries, their govt has quite gd policy to support marriage/family eg longer maternity/childcare leave, many attractive incentives for parents and etc 

And SG as a developed country, it is expected fertility to drop, since it is a common issue facing most developed countries and not only SG

It is a norm that the more educated the parents, the less children they may wish to have, as nowsaday, parents may have to save for their retirement later, since we know it is not cheap to bring up children due to increasing cost of living  (recent GST hike/Cdc debate in parliament)

My generation parents able to produce more than 2, bec they dont have to save for retirement mindset later, since they expect children may take care of them when the aged 

SG govt also too successful in '2 is enough" policy in the earlier years, and already "implant" this mindset in the people 

It may take decades to change people mindset/culture/practice due to environment

Daniel, [27/2/2026 2:59 pm]

That is part of the issue as well. It's hard to have kids if work keeps on encroaching our private lives.

Adam, [27/2/2026 3:02 pm]

This mindset is too idealistic. Reality will cause policies such that Our children must suffer because we suffered too. 

Once i get hdb i will vote for gov to make it more expensive. 

Once i get old i will vote for gov to get the working population to subsidize my healthcare.

Why must the gov make the unpopular decision?

Dont worry, there will be a time where we are old and dominate the voting block and our children cant do anything about it, just like us now

G, [27/2/2026 3:03 pm]

One more potentially unpopular suggestion:

Heavily tax lifestyles that are not conducive to raising TFR

e.g. heavily tax pawrents. 

If young childless couples are choosing raising animals over having kids, that means they have significant disposable income. Tax them more heavily. Tax pet purchase, heavily increase taxes for pet apparel, pet food, all pet related stuff, including vets

Use these pet tax money to offset those who are raising families

G, [27/2/2026 3:06 pm]

So in future, if you are a young single pawrent, be prepared to pay:

1. Pawrent tax and other pet related taxes

2. Not-enough-children taxes

So that others who want can have a more conducive financial environment to raise families. In this way, even pawrents can claim that they are doing their part for the nation in terms of efforts to raise TFR

RY, [27/2/2026 3:08 pm]

Yesterday, there was a documentary by Mediacorp talking how different countries managing aging population with longer lifespan (medical advancement), and decreasing fertility rate 

Japan - Toyama Community Care

Denmark - Co-sharing community living 

Maybe SG govt may also study and learn fm other country govt, how they manage this nationalwide issues


Adam, [27/2/2026 3:08 pm]

Well i think a simple super tax on all kidless subsidized houses will cover it. Dinks can be pawrents or just that.

If you claim you are getting house for starting a family and get subsidized spots or preferential slots, then the nation expects from you

Adam, [27/2/2026 3:10 pm]

But i think pawrents should be taxed for different reason. Owning a pet is a big luxury. Taxing them is an indirect wealth tax just like coe for car

Ethan, [27/2/2026 3:11 pm]

Can we tie one cabinet minister’s salary directly to the TFR result? And only one metric: TFR.

Base salary 100k per annum (which is a decent middle class income) 

Any uptrend of TFR, this minister will then be rewarded via bonuses etc, allowing his/her salary to catch up on par with minister level pay.  

The minister’s sole responsibility is to draft policies shape community perspectives, initiate programs to drive TFR up. Take full ownership of the problem. Be active on social media, be active on grassroots level, and let this become a Singapore movement. 

Singaporeans can then relate to this minister knowing he/she draws a “commoner” pay, stand behind his/her initiative and be genuinely helpful to what the minister is trying to do. And to some extend ppl will hope that he/she can be better compensated and play their part in boosting TFR. 

Drives goodwill to the PAP, and make this a bipartisan focus.

365, [27/2/2026 3:13 pm]

Many of their TFR is also dipping and going below the replacement rate. They are currently higher than us still, but the fact that it's trending downwards don't support the idea that it is working or a core solution.

G, [27/2/2026 3:13 pm]

Why not tie all the ministers' salaries instead of just one? Make TFR an KPI to their bonuses, not just GDP

Adam, [27/2/2026 3:16 pm]

Can tie so much metrics like mrt reliability too. Sound nice but i dunno how to get all singaporeans to give grade for performance review

Ethan, [27/2/2026 3:16 pm]

Come to think of it, a shrinking population isn’t as bad. 

Labour shortages can be fulfilled by automation and robotics. 

Aggressively adopt automation and robotics to drive abundance in Singapore. 

With abundance in food, and other necessity we can then allocate that excesses(meaningful excess, like total value of 6figures and above) to Singaporeans who reproduces more.  

To be honest the help, baby bonus, childcare leave that Gov is offering, while it’s appreciated and helpful. It doesn’t move the needle. 

Once we achieve abundance using AI, automation, robotics, we can then afford to allocate meaningful budget(6 figures per child) that actually moves the needle to Singaporeans that reproduces

G, [27/2/2026 3:17 pm]

Well, since TFR is existential crisis, then better walk the talk, cannot just talk only. Otherwise very soon before long, this PAP govt will open flood gates again for mass migration and blame singaporeans for low TFR for opening the flood gates

Vicious cycle, won't stop.

Ethan, [27/2/2026 3:17 pm]

We need one person to take full ownership and to really champion for things that matters. Too many chefs spoils the soup

G, [27/2/2026 3:18 pm]

Fair. Can start with indranee since she's the chairman for that workgroup 😏

Adam, [27/2/2026 3:19 pm]

Tbh im not really bothered by mass migration as long as im getting more out of it. But it looks like gov is letting it enrich the richest while the poor and middle class fight in squid games

Ethan, [27/2/2026 3:19 pm]

Fully support, if she genuinely believes in parenthood, have big families. 

It needs to be someone social media savvy, high EQ, can be on the grassroots, and be seen as amongst the commoners.

G, [27/2/2026 3:21 pm]

This series of exchanges is great 👍 Way better than AI generated monologues

Ethan, [27/2/2026 3:23 pm]

And to be specific, the salary is only tied to one metric and only one. TFR. 

To be honest the current minister salary metrics of GDP, unemployment etc, which on paper seem as impt points. 

But realistically, if 20% weightage of each component, and how much in reality can one minister impact all four factors? 

At most maybe 1-2 factors, and if that makes up 30-50% of their salary performance weightage, how impactful is that as a motivation factor. 🤷‍♂️

Adam, [27/2/2026 3:28 pm]

I think its not fair to tie all ministers salary to the same thing

Adam, [27/2/2026 3:29 pm]

Some ministers are sleeping or we dont see them do much

Adam, [27/2/2026 3:29 pm]

If the party succeed or fail, are they gonna get carried and get all the rewards

Adam, [27/2/2026 3:30 pm]

By default they are already gonna be  paid a lot even if tfr is 0. Hitting 2.1 will just be a bonus

Adam, [27/2/2026 3:31 pm]

We need to be meritocratic. Ministers that help with effective policies gets the bonus

Ethan, [27/2/2026 3:31 pm]

intention is to have someone at ministerial level with sufficient influence, power, and clarity to drive initiative that actually matters. to be the champion of this matter and make it a national movement. to mobilize resources or departments to do things that actually matters in reversing TFR. his/her compensation is directly tied to the outcome of TFR. 

No so much of getting all ministers to be tied to it, may even back fire as well.

Adam, [27/2/2026 3:32 pm]

It looks like at a high enough level only a few ministers can take real action. It looks like most of them dont want to rock the boat

Adam, [27/2/2026 3:33 pm]

Lawrence wong job very tough. Responsible for mrt, housing, tfr everything

Ethan, [27/2/2026 3:33 pm]

if thats true then all the rah rah speech they make during GE that they are honored to be called upon to serve is talk only?

G, [27/2/2026 3:34 pm]

Yes, 2.1 should be baseline since anything below that would result in "existential crisis". Why should they be rewarded extra for producing baseline outcomes?

Instead, should be disincentivised for below baseline outcomes and incentivised for above baseline outcomes, like the rest of the world

Adam, [27/2/2026 3:35 pm]

Lol im pretty sure my boss will rage at me if i do baseline work hours

Ethan, [27/2/2026 3:36 pm]

to be fair, 0.87 to 2.1 is a very large gap, incentives needs to be tied to pragmaticism as well. 

a move back to 1 within the next 5 years in my opnioin is a B performance already, anything above 1 within 5 years in my opnion is an A performance

Adam, [27/2/2026 3:37 pm]

Yeah. If suddenly jump to 2.1, preschool until jc will struggle with the glut of students

Adam, [27/2/2026 3:37 pm]

Hospitals too

Adam, [27/2/2026 3:38 pm]

Imagine being a teacher with genz parents calling

G, [27/2/2026 3:38 pm]

Can lor.. can start today's baseline at 0.9, then go up by 0.2 for every year until it reaches 2.1.. then make that baseline shift according to whatever new populations white paper that's tabled and passed. 

e.g. PAP govt want to increase population from 6.1 mil to 9 mil? Too bad, TFR baseline needs to shift upwards as well

Adam, [27/2/2026 3:39 pm]

Another thing about tfr that is less talked about. If malays breed until tfr 2.1, what happens?

Adam, [27/2/2026 3:40 pm]

Are we gonna import chinese and indians for cmio?

Adam, [27/2/2026 3:40 pm]

Should we scrap eip and cmio ratios instead?

G, [27/2/2026 3:40 pm]

Probably just pre school.. MOE schools would have at least 7 years to plan for the extra students

G, [27/2/2026 3:40 pm]

Scrap

G, [27/2/2026 3:41 pm]

And further dilute national identity? No thanks

Adam, [27/2/2026 3:41 pm]

Tbf our nation is built on immigrants

G, [27/2/2026 3:42 pm]

Nope. Most of those were immigrants to a british colony, not to an independent singapore

G, [27/2/2026 3:43 pm]

Nation building, and national identity building really only begun post WW2, not before that, and definitely not in the 19th century

Adam, [27/2/2026 3:49 pm]

This tfr issue is deeply intertwined with everything people have issues with in singapore. Immigration. Housing. Race and culture.

Adam, [27/2/2026 3:49 pm]

The gov really need all hands on deck to fix it

Adam, [27/2/2026 3:49 pm]

Cannot have tfr increase without house

Adam, [27/2/2026 3:49 pm]

Cannot have it increase and not enough teacher

Adam, [27/2/2026 3:50 pm]

Then jobs for the new pop?

Adam, [27/2/2026 3:51 pm]

The mrt reliability issue makes me really wonder if the gov agencies talk to each other

Adam, [27/2/2026 3:52 pm]

Does lta know our citizen and pr and foreigner pop will overload the system?

Daniel, [27/2/2026 3:52 pm]

Seems like that one at least not an issue for long. There are fewer and fewer kids every year and they have been closing schools as well. (At least where I stay).

Adam, [27/2/2026 3:53 pm]

I heard class sizes are still big though

Adam, [27/2/2026 3:53 pm]

At least per teacher. They are overloaded

Daniel, [27/2/2026 3:53 pm]

Yeah. Those never change.

Daniel, [27/2/2026 3:54 pm]

I doubt less kids will mean less kids per class. There will just be fewer classes. Seems like decreasing the number of students per class is not something that the government wants to consider.

Daniel, [27/2/2026 3:55 pm]

In that sense the government is not even being a good example in allowing more worklife balance for its own employees.

Adam, [27/2/2026 3:59 pm]

https://www.channelnewsasia.com/singapore/little-professors-learning-centre-parents-hong-wen-school-after-school-care-5950356

Adam, [27/2/2026 3:59 pm]

If anything happens just bring parents in i guess

REACH Singapore, [27/2/2026 4:00 pm]

📢 Topic 📢

G, [27/2/2026 4:02 pm]

"Step up integration efforts" means what? 

Foreigner make the effort to change to suit Singapore and Singaporeans? Or Singapore and Singaporeans need to put in more and more and more effort to change to suit the foreigner?

G, [27/2/2026 4:28 pm]

Marriage & Parenthood has been on indranee's portfolio since July 2020.

Under her leadership, TFR dropped from 1.10 to 0.87 over 5 years.

"The deepest irony lies in the standards of accountability Ms. Indranee demanded just months ago. During the censure of Pritam Singh as Leader of the Opposition, she was the primary voice arguing that:

"In Singapore's Parliamentary democracy, honesty and integrity are not abstract ideals... they are the foundation of public trust."

If public trust is based on performance, how can the public trust a Minister who oversees a six-year freefall in her core KPI? She further argued that leadership is about "not skirting around conduct with euphemisms but naming it squarely."

Let us name it squarely: Her performance has been abysmal. Yet, unlike the targets of her parliamentary motions, she faces no repercussions. There has been no pay cut, no offer to step down, and no personal admission that her policies have failed.

Instead, she has happily assumed the chairmanship of the new task force.

She told the House: "It is precisely at such moments where leaders are tested, and where leadership matters."

By her own metric, she has been tested and found wanting. If she truly believed in the "solemn duty" of leaders to step aside when they can no longer maintain public confidence in their portfolio's success, she would have declined the chairmanship"

https://theonlinecitizen.com/2026/02/27/the-accountability-deficit-why-is-minister-indranee-rajah-still-the-face-of-our-fertility-policy

Ethan, [27/2/2026 4:47 pm]

wow didnt know Indranee is leading this since 2020, should be fired in that case!! or all the more if she takes the chairmanship to show conviction and have skin in the game. take a normal base salary(100k) and leave all the remaining bonus upside to be tied to performance.

G, [27/2/2026 4:59 pm]

"Ms Rajah is the Leader of the House for the 15th Parliament and Member of Parliament for Pasir Ris-Changi GRC. In the Prime Minister’s Office, Ms Rajah assists Deputy Prime Minister Gan Kim Yong in the National Population and Talent Division and oversees the Marriage & Parenthood portfolio."

https://www.pmo.gov.sg/about-us/the-cabinet/ms-indranee-thurai-rajah/

RY, [27/2/2026 5:08 pm]

Both Ms Indranee/Mr Pritam are both lawyer by profession ....


LCL (Danny 心), [27/2/2026 5:18 pm]

My close friend comments:-

Incentivising marriage and having children without moral responsibility can be dire. Imagine they receive incentives and divorce ☹️


Nicholas, [27/2/2026 5:37 pm]

Because women's fertility drops drastically after 30 years of age, not so for men. https://www.britishfertilitysociety.org.uk/fei/at-what-age-does-fertility-begin-to-decrease/

G, [27/2/2026 5:44 pm]

Playing whataboutism

Nicholas, [27/2/2026 5:48 pm]

Baby bonus scheme - tweak it so it is higher for first child where the mother is below 30 years old. My observation is that the mother will naturally want a second child after so that first child won't be lonely. And since she is below 30 years old, generally still fertile  to have second child by 35.

Ethan, [27/2/2026 5:51 pm]

On the topic of TFR, trip.com pays their employees 50k RMB to have kids. Interesting perspective 

https://www.straitstimes.com/asia/east-asia/chinas-biggest-online-travel-agency-to-pay-employees-186m-to-have-kids

Nicholas, [27/2/2026 5:53 pm]

Wow, that's great, first time hearing of this.

REACH Singapore, [27/2/2026 6:00 pm]

📢 Topic 📢

RY, [27/2/2026 6:00 pm]

Divorce rate in SG quite high around 1 in 5 couples, eventhough Divorce in SG is lengthy process  - 2yr separation first b4 signing Divorce Paper in most divorce cases 

Heard in China, both marriage and divorce process can be settled in one day


LCL (Danny 心), [27/2/2026 6:05 pm]

Hopefully young couples treat marriage seriously especially when they have children.

Hopefully, marriage couples will see their partners to the end of lives, see their children grow up purposefully and live a fulfilling lives.


Nicholas, [27/2/2026 6:06 pm]

My view is that it is time for new / enhanced policies to be rolled out, the current policies are clearly ineffective. This has been an issue since LKY was alive, I recall watching a video of him telling the woman studying for PhD that she's better off having kids than studying for PhD, and my thought is that he's right.

Nicholas, [27/2/2026 6:08 pm]

One thing we don't have that many Western countries do is a public holiday for Valentine's Day. Perhaps it's time to give everyone a public holiday to celebrate love and to encourage singles to give roses to each other. The decors on Valentine's day are usually very lavish in those countries that celebrate it, worth emulating.

RY, [27/2/2026 6:09 pm]

Unsure how true are the news of organ trafficking/harvesting (lucrative biz) and missing children in china schools

Because of dropping of fertility rate - China also too successful in their "one child policy" 

Recent years, china govt is actively incentising people to get marry, so as to increase the birth rate ....

Daniel, [27/2/2026 6:09 pm]

I think this is a rather outdated opinion. I think the weight of this issue cannot solely lie on women. This has to be a shared responsibility, otherwise more women will decide not to get married. (On top of it being a fairness issue).

Daniel, [27/2/2026 6:10 pm]

We shouldn't expect women to give up their work ambitions or careers for family, that is unfair and will certainly backfire.

RY, [27/2/2026 6:10 pm]

Our parents generation, their divorce rate is much lower


LCL (Danny 心), [27/2/2026 6:11 pm]

Yes.

Confucian values very important.

Honestly, I still trying to understand the current youth Gen Z mindset and their values on marriage, having babies, setting up families.


LCL (Danny 心), [27/2/2026 6:17 pm]

Because in our parents generations and our generation, marriage and having children for continuation of human civilization is a responsibility as well as to carry our ancestors lineage.

No need to persuade, no need to coax.

Automatically it is within our mindsets - Confucian values.

Gen Z is a very different generation. Our children generation.


Adam, [27/2/2026 6:17 pm]

https://www.nyc.gov.sg/research-engagement/youth-studies/national-youth-survey/#a1c8683d738052166696b44cc9c3c0e7

RY, [27/2/2026 6:17 pm]

Thank you for speaking up for women, as they are playing many roles in family/society also

And both genders are contributing to the country, and there shd be equality for men/women

Women have education not just to play wife/mother/daughter roles in family 

Women also should have their achievements in life too

Nicholas, [27/2/2026 6:17 pm]

Agree with you to a certain extent. It's not about giving up, it's about prioritizing having kids. A lot of young women prioritize career, alas to realize at an older age that it's not that easy to have kids in the 30s.


LCL (Danny 心), [27/2/2026 6:18 pm]

Thanks for the link.

I will slowly go through it.


Adam, [27/2/2026 6:18 pm]

We shouldnt expect men to give up their careers and work ambitions to protect the nation. Thats unfair and will backfire

RY, [27/2/2026 6:19 pm]

That is why govt shd not discourage dialects-speaking in earlier days 

As dialects are also part of chinese culture, so is Confucian values

Daniel, [27/2/2026 6:19 pm]

But there are some measures for that in place. Like public service got higher starting pay for NS men.


LCL (Danny 心), [27/2/2026 6:20 pm]

I hope government can revisit Confucian values and see how to impart them to our Gen Z youths.


Adam, [27/2/2026 6:21 pm]

Yeah gov put good measures. Like maternity leave. But still not enough. And also private sector is different


LCL (Danny 心), [27/2/2026 6:22 pm]

Source :- Google AI

Confucian values about marriage and cold bearing for ancestors lineage

In Confucian tradition, marriage is not merely a union between two individuals but a critical social institution designed to continue the paternal line, ensure the continuation of ancestor worship, and maintain familial and social harmony

. The primary purpose of marriage is to produce heirs—ideally sons—to carry on the ancestral lineage and honor the spirits of ancestors. 

 MDPI +2

Marriage as a Filial Duty

Foundation of Society: Marriage is viewed as the basis of all social organization, essential for cultivating virtue and maintaining order.

Ancestor Veneration: A crucial aim of marriage is to secure the "sacrificial service in the ancestral temple" ensuring that descendants remain to honor ancestors.

Patrilineal Continuity: Marriage connects two families of different surnames and is focused on perpetuating the paternal clan.

Arranged Marriage: Traditionally, marriages were arranged to bring together families and ensure the continuity of the lineage, rather than for romantic love. 

 MDPI +4

Childbearing and Ancestral Lineage

Importance of a Male Heir: The birth of a son is considered of utmost importance to carry on the family name and perform necessary ancestor rituals.

Consequences of Being Childless: Not having a son was traditionally considered a severe failure of filial piety, as it meant the ancestral line would break.

Adoption and Continuity: If a couple lacked a son, an heir was often adopted from within the patrilineal descent group (such as a brother's son) to maintain the continuity of the line.

Ancestor Worship Rituals: Ancestors are believed to be watching over their descendants; in return, the living must provide offerings and maintain the household shrine, a duty typically performed by the eldest son. 

 Facts and Details +5

The Role of Women

Subordination and Service: Women were expected to serve their husbands and parents-in-law and to bear sons to continue the male line.

Integration into the Lineage: Through marriage, a woman leaves her natal family and becomes part of her husband's family, with her primary responsibility being to her new family’s ancestors.

Three-Year Mourning: Participation in the three-year mourning ritual for parents-in-law was a significant duty that cemented a wife's position in the household. 

 MDPI +3

In summary, Confucian values place immense pressure on marriage and childbearing, treating them as acts of filial piety (serving parents and honoring ancestors) that are vital for the spiritual and physical survival of the family lineage. 

 EBSCO

Six Rites of Allied Harmony: Changes in Ancient Chinese ...

11 Dec 2023 — The “bride meeting her in-laws” ceremony affirms the new bride's identity and emphasizes her respect and obedience to her parents-in-law, in accordance with Con...

MDPI

Ancestor worship and veneration in China - Chinasage

After-life. Ancestor veneration is based on a long held belief that the ancestral spirits are watching over the lives of their living descendents from the after...

Chinasage

Traditional Chinese marriage - Wikipedia

Ruyi (wish granting scepter) used in Empress Xiaoding's wedding. Main article: Confucian view of marriage. In Confucian thought, marriage is of grave significan...

Wikipedia

Gender in Confucian Philosophy

27 Feb 2023 — In the Confucian textual tradition, marriage is consummated, however, not through the physical intimacy between the husband and wife, but through the ritual com...

Stanford Encyclopedia of Philosophy

ANCESTOR WORSHIP IN CHINA: ITS HISTORY AND RITES ...

15 Sept 2021 — The ceremony not only serves to keep family solidarity alive; it also enhances the authority of the family head. In the case of a daughter, the reciprocity is p...

Adam, [27/2/2026 6:22 pm]

I and many males will gladly sacrifice our paternity leave entitlement if we can avoid reservist and ns obligations

Adam, [27/2/2026 6:22 pm]

Catch is is dont have children so paternity leave is nothing

RY, [27/2/2026 6:22 pm]

I read last year, MOE is bringing back learning dialects to those pre-school kids 

And they have class together with those grand-parents


LCL (Danny 心), [27/2/2026 6:23 pm]

Hmm...

Probably a good initiatives


LCL (Danny 心), [27/2/2026 6:23 pm]

Of course arrange marriage instead of love marriage need not emulate.

不孝有三,无后为大。

There are 3 types of unfilial piety, without children is the biggest unfilial piety.


Adam, [27/2/2026 6:24 pm]

Interesting to bring back dialects. Will it be carried over forward to pri-jc level or only preschool?

Adam, [27/2/2026 6:25 pm]

I know a bunch of non chinese children are learning mandarin too. Hard for them to do three languages

G, [27/2/2026 6:26 pm]

Actually, it's great that women stay at home and raise kids. 

Better they take up their responsibility and raise their kids than let some stranger (usually FDW) do it on their behalf. 

What for women stress themselves so much to juggle work and home? Why not focus just to be at home and be damn good at it? Why is a woman working outside glamourised to what it is today?

In the end what's the majority outcome? Mothers outsourcing their motherly duties, kids go wayward, brought up by iPads and FDWs. The gahmen stood to gain by taking women out of the house: 1 more income to tax per household.

I'm so glad to have grown up in a single income household and had the opportunity to spend so much time with my mother.

RY, [27/2/2026 6:29 pm]

Many of my cousins (those born 80s onwards), they unable to speaks dialects, but can understand/listen only

If they themselves dont even speaks dialect, how they bring the dialects to their next generation ?

Glad that MOE finally see the point and try to do some remedy for those generation Z now 

Values/Mindset/Cultures n etc may take decades to bring to the next generation 

Hope govt may do more to preserve chinese values eg Confucian study

RY, [27/2/2026 6:34 pm]

Dialects are not a language except cantonese 

I rem MOE started conversational malay/chinese in schools years ago, that is chinese learning to speak malay, and vice versa malay/indians learning to speak mandarin 

Seems this trial didnt materialise later in primary/secndary, bec I didnt see my niece (born after 2000) learning in school ....

Daniel, [27/2/2026 6:36 pm]

Yes, but this should be a choice not a societal expectation. There is also the option where husband and wife sharing childminding duties without a helper (that's how we do it). That way the kids get time with both their parents and both parents get their fair shot at a work life as well. We shouldn't prescribe people what their role should be by default.

RY, [27/2/2026 6:40 pm]

Ideal to certain extend, but unless the husband/father salary is able to financially support whole family 

Cost of living is going up over the years, and many people are struggling in life to support family

Hence, two-income family is common in SG nowsaday, to maintain quality of life sametime  

Esp my generation, we still require to support our parents, bec they didnt save for their retirement

Nicholas, [27/2/2026 6:40 pm]

Another angle perhaps is for MOE to incorporate some suitable courses at secondary or tertiary level to encourage youth to have kids when they grow up. Plant the seeds for a higher TFR in the future.

Jun Ming, [27/2/2026 6:41 pm]

Is there really a need to get marriage on the personal level? Erm I mean after marriage you need to care for somebody manage other people goals. Which spends money. And also need to spend effort to work the other party

Jun Ming, [27/2/2026 6:41 pm]

And 养儿不一定防老

Jun Ming, [27/2/2026 6:42 pm]

Which means the amount of resources I earn I need to give a huge percentage out

RY, [27/2/2026 6:42 pm]

That is why confucian values come in

365, [27/2/2026 6:42 pm]

Seems like the government do like to prescribe people whose role should the defender be

Jun Ming, [27/2/2026 6:43 pm]

Risk bigger than benefits

365, [27/2/2026 6:43 pm]

Government is inherently sexist, outside of ns, there's female only tax relief and lighter punishment for the same crime

Jun Ming, [27/2/2026 6:44 pm]

Unless you tell me I got enough resources to feed a family which gen z don't have

Daniel, [27/2/2026 6:44 pm]

Yet there is still a gender pay gap, so seems like this is justified to a certain extent.

Jun Ming, [27/2/2026 6:45 pm]

With such a high population and house getting smaller and a war might be coming up why shall we give birth?

REACH Singapore, [27/2/2026 6:45 pm]

Dear Contributors,

⏰ We will be closing the chat in 15 minutes ⏰

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

Adam, [27/2/2026 6:45 pm]

I see it starting to become 3 or 4 income household now. Both parent working and child living with parents also working to support the whole house

Jun Ming, [27/2/2026 6:45 pm]

My earnings not even able to support me why should I find a partner

Adam, [27/2/2026 6:46 pm]

Instead of individual voucher for big household, big family get same cdc voucher to split as dinks

Jun Ming, [27/2/2026 6:47 pm]

Confucius teaching comes in but who to teach the kids. Parents are so busy with job and no time to entertain themselves

G, [27/2/2026 6:48 pm]

There's no real "default"

"Default" is usually what makes sense to suit the environment people are in.

When cost of living is excessively high, the default becomes dual income household because majority of households cannot survive on just 1 income. First priority for dual income is necessity, not choice.

E.g. HDB like to use household incomes to gauge their "affordability"

In the 70s/80s, household income meant single income households.

But today, it's dual income households.. people nowadays get priced out of a roof over their heads if they are not dual income households

Jun Ming, [27/2/2026 6:48 pm]

Parents need to work from 10-11 while kids go to preschool at 8am -5pm

Jun Ming, [27/2/2026 6:48 pm]

Is there time to be with kids?

RY, [27/2/2026 6:49 pm]

If I am not wrong, there is a law in SG that states children have to support their parents 

But looking around, my family siblings, some are not supporting parents, using marriage (must support her own family) as a gd "excuse"

And parents usually will not go to the extend of taking legal action against own children, even the children chosen not to support/look after aging parents

Confucian values comes in again in this scenario

Jun Ming, [27/2/2026 6:50 pm]

Yes but you need to teach the kids this values

Jun Ming, [27/2/2026 6:50 pm]

Who got the time to teach

Jun Ming, [27/2/2026 6:50 pm]

These teaching must be taught by parents

Jun Ming, [27/2/2026 6:50 pm]

If not smartphone will take over the teaching

RY, [27/2/2026 6:51 pm]

Work-Life Balance values come in

G, [27/2/2026 6:51 pm]

And govt is in the business to shape environments, be it physical, economical etc.. 

So since TFR is low, it's because this govt shaped the environment that strongly encouraged low TFR outcomes. They cannot then turn around and blame Singaporeans for not having enough babies or being not motivated enough etc etc etc.

The govt and the govt alone has to take the blame and put in place measures to change the environment to make it very conducive to raise TFR.

Adam, [27/2/2026 6:51 pm]

Some kids are orphans. Some kids have one one parent. We as a society must have a way to teach them too right. If parent cannot teach must have an alternative

Jun Ming, [27/2/2026 6:52 pm]

My parents are self employed. No such thing called work life balance

RY, [27/2/2026 6:53 pm]

I would suggest SG govt to study why in some european countries, their people still willing to have more children

365, [27/2/2026 6:53 pm]

Can you provide a source? Many research that I've seen do not account for hours worked and type of profession

Caleb, [27/2/2026 6:53 pm]

+1

Daniel, [27/2/2026 6:54 pm]

Google pay gap, first result shows an adjusted gap of 6% when taking these into account.

Daniel, [27/2/2026 6:54 pm]

Report: Singapore's Adjusted Gender Pay Gap https://stats.mom.gov.sg/Pages/Singapores-Adjusted-Gender-Pay-Gap.aspx

G, [27/2/2026 6:55 pm]

😂 they will come up with all sorts of excuses why cannot implement in SG one leh

Adam, [27/2/2026 6:55 pm]

There is so much variables that goes into pay gap. Women generally go for lower paid vocations

365, [27/2/2026 6:55 pm]

6% not really worth for 2 years of ns, and also, lighter punishment for crime has nothing to do with pay gap as well

Jun Ming, [27/2/2026 6:55 pm]

Singapore is a high stress city

Adam, [27/2/2026 6:56 pm]

If you look at age 20-25 i think women earn more than men because ns push them back

365, [27/2/2026 6:56 pm]

Divorce also mostly favor female custody

Adam, [27/2/2026 6:56 pm]

If pay gap was real, if i was an employer i would hire women only. Get same productivity for 6% less cost

Jun Ming, [27/2/2026 6:56 pm]

Yes men still in university

Daniel, [27/2/2026 6:56 pm]

Compound 6% over 40 years of working

G, [27/2/2026 6:57 pm]

End of the day, it's political will and political pride.

This PAP govt is too proud to acknowledge they made grave mistakes with their population policies

Jun Ming, [27/2/2026 6:57 pm]

Woman already in working

RY, [27/2/2026 6:57 pm]

I went europe F&E tour in 2024 and get to have a better understanding abt their western values/cultures/mindset n etc

Some of the europe govt policy are very gd and incentising couples to have more children

365, [27/2/2026 6:58 pm]

You forgot the 2 years headstart of work experience

365, [27/2/2026 6:59 pm]

So are they adjusting for experience +2 years?

365, [27/2/2026 6:59 pm]

Also haven't answered on the difference in punishment for same crime, completely unjustified

365, [27/2/2026 7:00 pm]

Yet the trend is still going downwards for the last 10 years. This is common across many countries

REACH Singapore, [27/2/2026 7:00 pm]

Dear Contributors

We will be closing the chat for today.

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

Adam, [27/2/2026 7:00 pm]

I know i lost a promotion because ns. Boss say i just below cutoff and last year got 3 weeks reservist during important period


====


Emptiness is not nothingness.

 27 Feb 2026


https://vt.tiktok.com/ZSmGHJLS3/


Emptiness is not nothingness.



@Babe:Nirvana nimitta encompass the entire Universe.

But stray thoughts does not arise.

It is not Nothingness - because the Nirvana nimitta enwrap the entire Universe.

But it is Emptiness within the Nirvana Nimitta that enwrap the Universe - empty of stray thoughts arising from Ignorance, Greed, Anger, Arrogance and Scepticism.

Only Eternal Bliss.


@Babe:不起心动念。

一心不乱。

如如不动。

四大皆空。

五蕴皆空。


Google translate:-

@Babe: No arising of thoughts or intentions.

A undisturbed mind.

Complete stillness.

The four elements are empty.

The five aggregates are empty.

@Babe:Why Nirvana is Emptiness and not Nothingness.

Danny meditation experience.

https://danny1blog.blogspot.com/2012/02/1-pointedness-samadhi-concentration-to.html?m=0


====

After note:-

[28/02, 11:49 am] ☸️  Danny 心: https://vt.tiktok.com/ZSmQvFsMh/

He will win the war of life.

He will win the war of thoughts.

He will rule the Universe.

====

1. When stray thoughts don't arise (Nirvana is attained), rightfully karma stop because no cause trigger karma. 

2. But because the Enlightened still carry the human body, karma will resume.

3. Hence Enlightened that inherit the human body can feel body is a pile of garbage to sustain its life in human form.

4. Until when his body pass on, the Enlightened enter into Parinirvana. Then karma truly stop. No birth, no death follows. Eternal bliss follow in a Nirvana nimitta.

====


[28/02, 12:15 pm] Close friend comments: Cannot be nothingness because we exist!


[28/02, 12:15 pm] ☸️  Danny 心: Yes it is not nothingness.

Nirvana nimitta enwrap the whole universe.

Except no more stray thoughts - which is Emptiness.


****

Quantum Physics I think also explains the same in scientific term.


[28/02, 12:15 pm] ☸️  Danny 心: Prompt:- 

Quantum physics explanation of buddhism emptiness is not nothingness


Google AI response:-

Buddhism’s emptiness (shunyata) is not absolute nothingness, but rather the lack of inherent, independent existence in all phenomena. Quantum physics aligns with this by showing that the "vacuum" is not empty space, but a vibrant field of energy and potentiality, where particles constantly emerge and dissolve based on conditions. 

Buddhistdoor Global


Key Parallels: Emptiness vs. Quantum Field

The Quantum Field vs. The Void: In quantum field theory, the "vacuum" is not a void but a teeming sea of potential energy, known as vacuum fluctuations. Similarly, Buddhism views emptiness as a "womb" of potentiality, not a desolate, dead space.

Dependent Origination vs. Particle Interaction: Buddhism teaches that everything arises from conditions (dependent origination). Particles "arise" from field vibrations and interactions, which means they do not exist in isolation, but only in relation to other things.

Lack of Independent Existence: Emptiness means things lack a permanent, fixed essence. In quantum mechanics, particles have no definite properties until observed or measured—they exist as probabilities, not solid objects.

Potentiality vs. Fixed Identity: Just as the quantum field represents a field of "anything is possible" rather than "nothingness" emptiness is the absence of a fixed, predetermined nature, allowing for change, growth, and existence. 

Reddit


"Form is Emptiness, Emptiness is Form"

This famous Heart Sutra verse can be interpreted through a quantum lens: The "form" (material particles) is "empty" (lacks independent, fixed substance), and that very "emptiness" (the quantum field of potential) is the source of all "form". 

Reddit


Conclusion

Quantum physics and Buddhism both suggest that reality is not built from solid, independent building blocks, but rather from a dynamic, interconnected web of possibilities. 

Buddhistdoor Global


Quantum Physics and Emptiness: Parallels Between Buddhism and ...


YouTube·Buddhism Podcast

====


@Babe:@Babe:Form is Emptiness.

Emptiness is Form.

Form is Universe.

Emptiness is Nirvana.

Nirvana enwrap Universe.

Hence Emptiness is not Nothingness.

Heart Sutra

心经

色是空。

空是色。

色、受、想、行、识  亦復如是。


****

https://vt.tiktok.com/ZSmnW8n1n/

Buddhism reality are discovered 

 by Quantum Physics today.


====

@Babe:1. When stray thoughts don't arise (Nirvana is attained), rightfully karma stop because no cause trigger karma.

2. But because the Enlightened still carry the human body, karma will resume.

3. Hence Enlightened that inherit the human body can feel body is a pile of garbage to sustain its life in human form.

4. Until when his body pass on, the Enlightened enter into Parinirvana. Then karma truly stop. No birth, no death follows. Eternal bliss follow in a Nirvana nimitta.


====


Thursday, February 26, 2026

REACH (Telegram) 123 - Which aspect of PM’s Round Up Speech resonated the most with you?

(SK)

26 Feb 2026 (10am - 7pm)


REACH (Telegram)

REACH Singapore, [26/2/2026 3:48 pm]

Welcome Back! 😊

⏰ We will be opening the chat from 4pm to 8pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views. 

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited. 

3. Consider the quiet ones among us and give them a chance to comment. 

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time. 

5. Let's protect each other's privacy and keep contact details in this group what it should always be - confidential. 

Full set of Terms of Use: https://www.reach.gov.sg/Participate/reach-telegram-group/REACH-Telegram-Group-Chat-Terms-of-Use/

We will strive to uphold these rules to ensure this is a safe space for all. 

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies. 

The topic will be posted shortly. 

Thank you. 

Megan 😊

REACH Singapore, [26/2/2026 4:01 pm]

📢 BUDGET 2026 ROUND UP SPEECH BY PM WONG📢

Prime Minister Lawrence Wong rounded up the debate on Budget 2026 on Feb 26. He addressed concerns and suggestions raised over the last three days by MPs following the delivery of the Budget statement on Feb 12 that laid out a record $154.7 billion expenditure plan for the year ahead.

A total of 68 MPs from both sides of the House have spoken over the last three days, covering the Budget’s plans for a national AI push, support for workers and businesses and a larger-than-expected $15.1 billion fiscal surplus.

💬 Which aspect of PM’s Round Up Speech resonated the most with you?

📌 Securing continued economic success and good jobs

PM Wong said that Singapore will harness AI to ensure growth translates into good jobs and better wages. "We will not have jobless growth", he added. 

Historically, every major technological wave had displaced some jobs but also created new ones, and what had been observed in Singapore so far is that AI can augment jobs and help workers achieve more even as it automates certain tasks, he said.

AI could also make workplaces more inclusive, he added. Citing robots handling physically demanding tasks, allowing seniors and people with disabilities to choose to work.

Singapore’s labour market remains resilient, with the proportion of permanent employees at a record high of nearly 91 per cent with gains across most sectors.

Vacancies also continue to outnumber job seekers, and over 40 per cent of openings are entry-level PMET roles, indicating still healthy demand for young graduates, PM Wong said.

📌 Easing cost pressures and ensuring progress for all Singaporeans

In response to WP MP Gerald Giam's call for a re-evaluation of the GST hike, PM Wong said that raising the GST was the only broad-based and sustainable option to fund rising healthcare needs while preserving Singapore’s reserves framework.

He noted that the Government is already planning for the next tranche of measures to strengthen support for families, with more information to come during the debate on the Prime Minister’s Office budget.

Singapore’s expenditure on marriage and parenthood initiatives has grown from the $4 billion in the 2020 financial year to $7 billion in Budget 2026, as a result of recent enhancements such as shared parental leave and the Large Families Scheme, he says.

Singapore will boost the CPFs of those with lower balances and will continue to review the parameters of these schemes in a way that keeps the system fiscally sustainable, while ensuring that those with less get more support, says PM Wong.

He adds that CPF is looking at rolling out the new investment scheme in first half of 2028, will do so earlier if ready.

The Government is paying close attention to wealth inequality, with data being published and tracked more systematically. It will also continue to study ways to moderate excessive wealth concentration carefully and responsibly.

📌 Singapore’s fiscal strategy

Many MPs had spoken about Singapore's fiscal strategy. Casting his eye on the larger global context, PM said that since the start of the decade, countries have been tested in ways few could have anticipated, with many advanced economics now carrying record high levels of public debt. He added that Singapore's strong fiscal position is a strategic advantage.

To assume that a surplus means that the Government is taking more from the economy and leaving households and businesses to bear a deficit, is an over-simplified and inaccurate view of Singapore’s fiscal system said PM Wong while addressing the comments by MPs on what it means for Singapore to run a fiscal surplus.

PM Wong said Singapore’s revenue includes significant investment income from the past reserves, and not just taxes collected from businesses and households.

Excluding the Net Investment Returns Contribution component, which comes from the returns of investing Singapore’s reserves, expenditure exceeds revenue, he adds.

REACH Singapore, [26/2/2026 4:01 pm]

He said that this meant that money is being put back into the economy and not being drained from businesses and households. Singapore's fiscal system is fair, progressive, and sustainable, PM added that it is pro-worker, pro-enterprise, and pro-Singapore.

🔗 [ST] https://www.straitstimes.com/live-singapore-budget-cos-debate-2026

🔗 [ST] https://www.straitstimes.com/singapore/politics/pm-wong-assures-singaporeans-that-there-will-be-no-jobless-growth-amid-ai-push

🔗 [ST] https://www.straitstimes.com/singapore/politics/strong-finances-gives-spore-a-strategic-advantage-in-an-uncertain-world-pm-wong

----

REACH Singapore, [26/2/2026 4:02 pm]

[ Poll : 1. The Round Up Speech adequately addressed the questions and suggestions arising from the Budget 2026 announcements. Share your reasons in the chat. ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree


LCL (Danny 心), [26/2/2026 4:07 pm]

 16 Feb 2026

====

1. Heated discussion on the topic - the need to keep GST vouchers and CDC vouchers permanent versus withdrawal of these 2 relief vouchers within my inner social circle over social media comm channel.

2. Pardon some of the strong words used during the emotional debate at the heat of the moment over some pertinent points as it happens before and just after CNY over the announcement of Budget 2026 because the high cost of living impact households and individuals.

3. But many useful and important points raised which I felt are good feedback to REACH.

====

After note:-

心法, [16/2/2026 9:23 pm]

****

****

****


心法, [16/2/2026 9:24 pm]

https://www.channelnewsasia.com/listen/cna938-rewind/big-question-what-would-you-do-if-there-were-no-more-cdc-vouchers-5925121?cid=internal_sharetool_web_16022026_cna

CNA938 Rewind - The Big Question: What would you do if there were no more CDC Vouchers?


心法, [16/2/2026 9:24 pm]

Source:- Google AI 

The Workers' Party (WP) in Singapore has generally expressed concerns regarding the reliance on Community Development Council (CDC) vouchers and GST vouchers as primary methods for addressing the cost of living, arguing that they do not tackle the root causes of inflation and financial stress. While the PAP government argues that the Assurance Package—including the $500 in CDC vouchers for 2026—helps households with rising costs, opposition voices often characterize these as temporary relief measures that "mask deeper economic inequality". 

Key Arguments Against Reliance on Vouchers

Symbolic Gestures vs. Structural Reform: Opponents argue that CDC vouchers are "short-term, symbolic gestures" that allow the government to avoid addressing deeper, structural economic issues like wage stagnation.

"Taking from One Pocket to Put in Another": Critics often describe the voucher system as "hypocritical," suggesting that the government increases taxes (like the GST) and then returns a portion of it via vouchers, claiming credit for being generous.

Rising Costs Outpace Relief: The increasing size of the vouchers (from $300 to $800 in previous years, now $500 in 2026) is viewed as proof that the cost of living has risen significantly, rendering the relief insufficient for many households.

Administrative Confusion: The proliferation of different schemes (CDC vouchers, GSTV Cash, U-Save, SG60) is seen as complex, leading to the perception of it as a "confusing" and bureaucratic process. 

Contextual Data (Budget 2026/2027)

CDC Vouchers 2026: All Singaporean households will receive $500 in CDC vouchers, to be disbursed in January 2027.

GST Vouchers (U-Save): Eligible HDB households will receive 1.5 times their regular GSTV-U-Save in the 2026 financial year to offset utility bills.

Expiration: Vouchers received in January 2026 will expire on December 31, 2026. 

While the WP has not called for the outright abolition of these vouchers, they have historically pushed for more permanent, structural solutions rather than one-off, "food stamp" style assistance. 


心法, [16/2/2026 9:24 pm]

[14/02, 08:00 pm] ☸️  Danny 心:

Saw a CNA new article, WP position against CDC and GST vouchers plus a few young working people suggesting self reliance.

The motivation - working people refuse to finance the CDC and GST vouchers through the tax they pay and want to do away with CDC and GST vouchers. 

This is done to guilt-trip retirees as free riders to benefit from the relief because retirees don't pay income tax, young working people do - and they feel that they are being exploited.

Hence to put the record straight - and put facts on the table, let make it transparent that whether retirees have exploited the young working people or whether the young working people have in fact exploited the retirees by climbing on their shoulders to demand and reap salary increment year after year.

Assuming CDC vouchers and  GST vouchers are withdrawn - paying higher consumption taxes GST from 7% to 9% will largely bear by the retirees and lower income group while :-


LCL (Danny 心), [26/2/2026 4:08 pm]

1. Working people keep demanding and reaping higher salaries every year.


2. The purpose of ultra rich financing the GST as retirees and the rest of population shielded and cushion by relief through GST vouchers and CDC vouchers are taken away - breaking the very implicit social contract (which are promised by the government in 2025 Budget speech announced by the Minister of Finance that this is a permanent feature to cushion against GST increase) in which the population have supported the government to implement GST based on this assurance.


3. But retirees' retirement funds are stagnant and don't get annual increments like the working people and yet have to pay :-

a. Increasing goods and services cost every year - to pay the annual salary increment of the working people. Eg. Medical fees, transport fees, property taxes, utilities costs etc every year increases.

b. Higher cost of living - the high food costs, high groceries that never come down.


This means retirees experience triple whammy:-

a. Stagnant retirement fund that does not increase every year unlike working people salary.

b. Disproportionately fund GST increase as retirees don't get cushion by increasing income unlike working people.

Rightfully, working people with higher salaries should pay higher income tax to fund the government expenditure as retirees retirement funds are stagnant. But this is not the case - and wonder where is the social justice?

c. The GST and CDC vouchers rebate that suppose to negate GST increases are taken away - means the funding of GST taxes fall more heavily on the retirees whereas working people funding of GST fall - as their salary increases and they are not paying higher income tax to fund the GST and CDC vouchers.


Having the facts brought out now, shouldn't these young working people critics of GST relief got guilt-trip boomerang back by leeching on the retirees' stagnant retirement fund to fund their salary increment year after year?

a. Eg. Banks and financial institutions bankers and professionals got to rely on retirees savings to grow their income and wealth services. Buy their insurance products so that they can earn sales commission.


b. CPF got to rely on retirees huge CPF savings to grow the monies as a large fund base can get better ROI.

心法:

Source:- Google AI 

Total CPF Balances: By September 2025, this grew to S$649 billion.

Retirement Account (RA) Weight: The Retirement Account, which is only created for members aged 55 and above, grew to S$131.5 billion by September 2025.

Out of $517.5 billions in CPF OA, SA and Medisave account - substantial portion are hold by 55 years and above.

Targeted Banking: Local banks like DBS offer "Golden 55 Plus" accounts and higher fixed deposit rates (e.g., an extra 0.10% p.a.) specifically to attract the high-liquidity deposits held by this demographic. 


c. Young working people got to rely on retirees to buy their goods and services, medical care, transport, travel, f&b, retail, etc - so that they can get salary increment year after year leeching on retirees who give them business and profit.


心法, [16/2/2026 9:27 pm]

If companies don't earn big profit - many by getting business and earning from retirees fund - do you think the companies will give young working people salary increment every year or big bonus?

Self reliant? Capable? Market demand? Really?

This is the tune of self reliant sing by the young working people who guilt trip retirees - as the leechers of the income tax they pay.

Now with all the facts lay out, aren't this young working people the leechers of the retirees retirement funds and grace?

Young working people - Self reliant some more? Really?

----


心法, [16/2/2026 9:28 pm]

[14/02, 10:46 pm] Close friend comments: It is a very difficult balance... Different groups have different measurements on what is fair. For many years, I only received a token $100. Didn't I worked very hard, pay taxes and not enjoy any benefit at all?


[14/02, 10:47 pm] Close friend comments: But I think gov should re think, there'll be withdrawal symptoms from not getting free rides.


[14/02, 10:49 pm] ☸️  Danny 心: Hmm...

Understand.

That's why I need to let those young high ego knows - to be respectful to elderly.

Since their parents unable to teach them filial piety - I will do the job for them.

Else our future young who carry our country lost the Confucian values that make Singapore successful.


[14/02, 10:51 pm] ☸️  Danny 心: Yes.

We need to surface out all facts that there are no free rides in our fiscal policy systems.

Everyone needs to contribute and make  our country successful.


[14/02, 10:54 pm] Close friend comments: I have relatives who don't work and just ask for money. Their rationale is "you got money I don't have, you must help" mentality. And their elderly actually sing along with them.. they are able some even well educated to university level - NUS not any 野鸡大学.


[14/02, 10:55 pm] ☸️  Danny 心: Such mentality cannot encourage.

Everyone must contribute - should not encourage free riders.


[14/02, 10:56 pm] Close friend comments: So you see, their elderly are like kind gov, but people who worked hard day and night, scrimp to save to rainy days and retirement have to feed those who chose not to work.


[14/02, 10:58 pm] ☸️  Danny 心: Understand.

That's why got to ensure the correct value system are put in place to ensure the country future are secure.

Everyone must be a useful contributor to the society and must not be a free rider.

----


心法, [16/2/2026 9:28 pm]

心法:

[15/02, 4:06 pm] ☸️  Danny 心: This notion of self reliance go against the very core of the "We Concept" - mutual inclusiveness and mutual benefits that the government want to infuse to the society.


Whereby "We Concept" hope to achieve the objectives of:-

1. Defunct "I" concept, "Me Only", "Me First". Total selfishness - want yearly salary increment but unwilling to pay more income tax; want the rest of the population to pay GST consumption tax even though their income are stagnant but unwilling to support GST and CDC relief vouchers in the name of self reliance to guilt trip retirees that benefitted them from their stagnant retirement fund - so that they gain from salary increment every year, refuse to support income redistribution jostling to scrap vouchers relief, benefit from profits make from higher and higher product and service cost every year, benefit from government grants in skillfuture grants, grants to business, tax relief, big sum for young family with children etc.

That is want left benefit, right benefit, top benefit, bottom benefit - but refuse to support relief for other communities by guilt tripping them in the name of "self reliance".


2. Instead of embracing "We" - for mutual benefits, help those fall behind to level up - "to acquire the fishing rods to fish in the mid and long term, but provide them immediate relief if they can't - to survive for the immediate term".

This apply to lower income groups, disabilities and other vulnerable groups - whereby every individuals and households must be able to contribute to the society in one way or another - whether in small ways or otherwise - so as not to be seen as burden to the society at large.


3. Prevent the break up of the society into divisiveness, polarisation and self centredness like what happens to US now. Whereby a small group of community benefits at the expense of other communities - that lead to unhappiness, violence, distrust, insecurity and mutual blaming that break the whole country apart in bitterness.

Also a reminder to those self serving people that guilt trip the retirees - whereby many of the benefits you received are relying and riding on the retirees monies to earn your yearly salary increment - even though they don't get yearly increment as you do.

It is not your so call self reliant that earn your worth - because you are very reliant on the retirees monies if you fail to realise.


LCL (Danny 心), [26/2/2026 4:10 pm]

This is not individual family value system but related to the larger economic system, policies that ride on the retirees' fund that make the country economy successful.

Without the retirees fund, your business, your salary increment and the GDP growth would have been greatly discounted.

So do your sum properly before you start guilt tripping the retirees - because they eat salt more than you eat rice.

Because if you miscue or misdirected in the name of self reliance into "Me, I only Concept" by guilt tripping retirees and the rest of the communities instead of promoting "We Concept, Mutual Benefit, Inclusiveness" - you are sending Singapore into the direction of what US is heading into currently - mutual blaming, distrust, divisiveness, polarisation - that will bring our economic progress, prosperity and peace - into unrest, unhappiness and economic regress - if communities turn against one another.


After note:-

Harmony in Singapore must be actively renewed, and not taken for granted: PM Wong.

Prime Minister Lawrence Wong said in his Chinese New Year message that every generation has a responsibility to strengthen Singapore's harmony - through how they live, interact and treat one another.         

https://www.channelnewsasia.com/singapore/2026-chinese-new-year-message-pm-lawrence-wong-5932541

PM Wong also said that Singapore must be a place where seniors can age with dignity and purpose. 

He noted that the government has implemented initiatives to help seniors live independently, stay connected to their communities and stay active and engaged.


心法, [16/2/2026 9:29 pm]

It is also strengthening support for retirement so that Singaporeans can enjoy greater peace of mind in their later years.

"In this year’s Budget, we have taken further steps - from CDC vouchers for every household to additional credits for every child," he said.                                                                      

When families are taken care of, the bonds that hold society together become stronger, Mr Wong said.

He added that he is heartened to see more Singaporeans, especially young people, stepping forward to volunteer and champion causes ranging from sustainability to mental well-being.

"We will continue to support and encourage them. Together, we can build a society where we look out for one another, and act with a strong sense of collective responsibility," he said.


心法, [16/2/2026 9:29 pm]

At least these young people possess the right values - true "We Concept".


心法, [16/2/2026 9:30 pm]

My above posts are direct response to WP's position and arguments - that will cause a mess to the society.


心法, [16/2/2026 9:30 pm]

WP alternative policies often bring us into a train-wreck disaster - indeed are a pile of garbage - pardon my language.


心法, [16/2/2026 9:30 pm]

[15/02, 5:52 pm] ☸️  Danny 心: Different stages of the economic development, there will be different approaches in social policies.


Specifically,

1. During the beginning of Nation building after a crisis - when the whole country are devoid of the economic means, many areas are underdeveloped - then we need to emphasize "Self Reliant" - ie. Everyone take care of themselves - because there are no spare cash or resources to help the slower ones yet - in order to accumulate resources and wealth.

This is the Smaller Wheel ( 小乘)- the era of LKY and his eminent cabinet.


2. But as we build ourselves up and we have accumulated resources and wealth of abundance in a country reserves - we need to help those that fall behind to level up to take care of themselves - so that the income inequality and social inequality will not be too far apart - to share economic success - preserve peace and harmony - so that we won't face a society whereby rich become too rich while poor become too poor that lead to social unrest - hence the concept of mutual benefits, mutual inclusiveness and the "We Concept" come into picture.


But there must be no free riders - everyone must contribute including those that received reliefs.


LCL (Danny 心), [26/2/2026 4:11 pm]

This is the era of a Greater Wheel (大乘) - an era different from LKY - our current modern governance.

So don't anyhow copy (monkey see monkey do) and don't know how to adapt as Singapore experience different stage of economic development and Nation building.


心法, [16/2/2026 9:30 pm]

Based on recent statements by Prime Minister and Finance Minister Lawrence Wong, particularly in the context of Budget 2026 (delivered February 12, 2026), the government has signaled that support measures, including CDC vouchers and enhancements to GST vouchers, will continue to help Singaporeans manage cost-of-living pressures, with a commitment to providing help "for as long as it is needed". 

Here is a breakdown of the status of these vouchers as of February 2026:

CDC Vouchers

Not a One-Off: PM Wong has clarified that CDC vouchers are not merely a one-off exercise but a recurring, ongoing support measure.

Budget 2026 Announcement: In the Budget 2026 speech, it was announced that all Singaporean households will receive another $500 in CDC vouchers in January 2027.

Continued Support: These vouchers are part of a broader strategy to assist with daily expenses, with half usable at supermarkets and half at heartland merchants and hawkers. 

GST Vouchers (GSTV)

Permanent Feature: The GST Voucher scheme, introduced in 2012, is a permanent scheme designed to help lower- and middle-income households offset GST expenses.

Enhanced Structure: The government has made certain components permanent, such as the Service and Conservancy Charges (S&CC) Rebate, in addition to the existing Cash, MediSave, and U-Save components.

Assurance Package (AP): While the GSTV itself is permanent, the "Assurance Package" (which includes additional cash and vouchers) is a temporary 5-year boost to cushion the GST rate increase, with payments running from 2022 to 2026. 

In summary, while the Assurance Package for GST is temporary (ending soon), the underlying GST Voucher scheme is permanent. The CDC Vouchers have been described by PM Wong as an ongoing, non-"one-off" measure to combat cost-of-living pressures. 

PM Wong at launch of latest tranche of CDC vouchers | The Straits Times

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Government Disbursement Schemes

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LCL (Danny 心), [26/2/2026 4:12 pm]

心法, [16/2/2026 9:30 pm]


[16/02, 12:50 pm] Close friend comments: Source: X

 https://search.app/cC1wp

This is one type of taxing rich in general.

But there'll be segment of population want cars and screaming for concession.

Just no perfect solution.


[16/02, 12:52 pm] ☸️  Danny 心: This is one type of consumption taxes.

But wealth taxes, inheritance tax is a no no. This is double taxation. Gov already tax income tax, corporate tax.

Rich people can easily move their wealth to overseas countries if gov impose wealth tax and inheritance tax). End up common people got to pay higher income tax & GST to compensate. It backfire on them.

"Zuckerberg said to join billionaires fleeing California for Florida enclave over proposed wealth tax".

https://www.straitstimes.com/business/companies-markets/zuckerberg-said-to-join-billionaires-fleeing-california-for-florida-enclave-over-proposed-wealth-tax#:~:text=Zuckerberg%20said%20to%20join%20billionaires%20fleeing%20California%20for%20Florida%20enclave%20over%20proposed%20wealth%20tax

I support GST becos people benefit from goods they buy as they can afford it - rich. 

At the same time, help the community through consumption tax.


[16/02, 1:02 pm] Close friend comment: And consumption tax in general is within individual's control. Other than necessities, we can decide how much more "luxury" we want.


[16/02, 1:04 pm] ☸️  Danny 心: Yes.

This is what I mean.

If people feel they spend too much, they can stop buying.

But wealth tax is double tax.

Their income accumulated as wealth (inheritance) - have been tax thru income tax and corporate tax. 

Now if inheritance tax again - it become double taxation.

People will get annoy because they get nothing in return unlike GST where they enjoy the goods they buy. Yet you double tax them.

In fact all my siblings wanted cars except me.

My son also wanted a car.

But now he can't even book driving lessons.

Pdl also expired.

Thus, I quietly happy.

Now got MRT, phv, bus & future av vehicle - so convenient.

Car not necessary.


[16/02, 1:06 pm] Close friend comment: It's a paradox - people will calculate if it were worth it to earn more.


[16/02, 1:06 pm] ☸️  Danny 心: Yes.

Consumption taxes no such problem.


That's why when those young working people say withdraw GST vouchers and CDC vouchers - I was annoy because government social contract to provide relief for those lower income and retirees to support GST consumption taxes. Now they suggest breaking this promise.


This very move break the merits of consumption tax becos it impose burden on those vulnerable groups who don't have yearly income increment unlike those working people.


Also this year Budget disproportionately benefit this working people - AI support, business support, young families with children grant - & very little for retiree.

Yet this young working people want to remove the very little relief to retiree and low income group - that really rile me. (Make me think of Trump & his billionaires cronies that reap maximum benefit - while disproportionately make the mid & low income groups inherit the burden - make my blood boil).


But PM Wong still supporting CDC vouchers and GST vouchers.

Though this year relief reduce abit - after election year.


Remove relief impact neighborhood food stalls, misc business struggling to survive as well as common people facing high price base needing to buy the higher groceries and food that are inelastic and never come down.

In fact, I see some food stall increase food price again for this CNY.

Without GST vouchers and CDC vouchers - the pressure on common people very big because many such people income didn't rise unlike those working people.


[16/02, 1:29 pm] Close friend comment: Gst should keep. It is a gesture to signal basic necessity should not attract gst but for ease of implementation, return back as a form of gst voucher.

CDC hard to justify. Why and why not.


LCL (Danny 心), [26/2/2026 4:13 pm]

[16/02, 1:30 pm] ☸️  Danny 心: 

This is exactly what I mean.

The very big part of tax revenue will be gone if GST burden people and they start to withdraw support for the gov if GST and CDC vouchers relief are withdrawn.

CDC help those lower income groups.

Also every household benefit.

Because food price inelastic. 

After COVID, Trump tariff - food price stick.

Until now food price didn't come down.


心法:

Singapore citizens and households are view as *shareholders* contributing to government budget via GST tax.

Hence, CDC and GST vouchers should be view as social dividends to be given out every year to individuals and households when there is budget surplus (to cushion the high cost of living whereby food prices are inelastic and prices stick and won't come down) rather than view as "handouts" or "food stamp" as coin by WP and other oppositions - which is demeaning to individuals and households who received the relief. 

Singaporeans are not "beggars" - we are shareholders of the Country Economy as each individuals and households contribute GST tax to the Government Budget. And if budget got surplus, Singaporeans should rightfully rewarded with "dividends" in which we have contributed to the coffer in the form of GST.

Singapore GST tax is not view as regressive unlike other countries (in fact it is view as progressive tax) because of government transfer and reliefs through CDC vouchers and GST vouchers.

Whereby ultra rich people contribute a large part of the GST tax as they buy very expensive goods and services.

While lower, middle and even upper income groups receive GST and CDC vouchers relief to cushion against the regressive nature of consumption tax.

Withdrawal of GST vouchers and CDC vouchers go against the very core principle of our "progressive GST consumption tax" - and transform into regressive tax similar to overseas countries consumption tax.


心法, [16/2/2026 9:30 pm]

[18/02, 3:52 am] ☸️  Danny 心: "AI can narrow inequality, if rolled out well: Indranee".

 https://www.straitstimes.com/singapore/politics/ai-can-narrow-inequality-if-rolled-out-well-indranee#:~:text=AI%20can%20narrow%20inequality%2C%20if%20rolled%20out%20well%3A%20Indranee 


[18/02, 3:53 am] ☸️  Danny 心: Ms Indranee was also asked about CDC vouchers and whether they would become a permanent feature of the Budget.

She said that the vouchers were introduced during the Covid-19 pandemic, when times were bad for families across the board. They were then extended to deal with inflation caused by global wars, while also giving heartland businesses a boost.

With inflation having moderated, the economy doing better and incomes going up, it makes sense that slightly less in CDC vouchers was given out in this Budget, keeping in mind that there is still some need for assistance, she added.

****


心法:

Basically, the word "Self Reliant" has such a widespread implications that break the 3 very critical foundation of our Governance Policies, specifically :- 

1. Financial and Fiscal Policy - that ensure we adopt fiscal prudency - so that government can maintain balanced budget or budget surplus. 

Budget outcome has shown that GST tax policy is very effective to ensure our government maintain a sustainable budget . 

                                                                                                                   

2. Social Policy - that help to address income inequality and social inequality through income redistribution by government transfer, grants and relief.         


People support GST tax is based on the promise that GST vouchers and CDC vouchers are the permanent features that help vulnerable groups to cushion the inflation fuel by GST taxes while the very rich pay higher consumption tax.


LCL (Danny 心), [26/2/2026 4:13 pm]

Breaking this promise in the name of self reliant - break people's support for GST tax to ensure government balance budget and change the very nature of GST which meant to be a progressive tax (tax very rich, but help the rest) in Singapore context into a regressive tax (the lower income group got to inherit the biggest tax burden) like overseas countries regressive consumption tax.

                                                                                                                           

3. Uphold We concept - to ensure Singapore Unity, Mutual Benefits, Mutual Help, Inclusiveness - to prevent Divisiveness, Selfishness, Mutual Blaming, Polarisation.

                                                                                                         

Hence I have spend so much time dwelling into this issue that rile me - and curb the danger of going along the path of "Trumpee" in the name of self reliant - that bent on benefiting his billionaire cronies, total selfishness, breed divisiveness, polarisation and social unrest that we see in US society today.


心法:

People initially support the GST tax based on the whole comprehensive compensating measures to cushion the impact on vulnerable groups.

Now after good outcomes emerge from the consumption tax - people who benefited from the whole tax programme conveniently forgot about how GST and GST support come about and try to cherry pick - in an attempt to dismantle the support measures by guilt tripping vulnerable groups in the name of self reliant - which I attempt to stop.

过河拆桥?(After crossing the river dismantle the bridge). 

(It is WP and oppositions ploy to guilt trip so as to discredit the good outcomes of the GST tax, gullible people supported it) ?


Great harm will be done to the country if:-

1. The above 3 pillars fall apart.

2. Now vulnerable groups that supported the GST tax turn around jostling to dismantle it because a social contract promise is broken.

3. Make government look bad by breaking its social contract promise that have been used to solicit support for the GST tax.                                    


****

****

****


****


G, [26/2/2026 4:13 pm]

😂 What kind of poll is this:

Strongly Agree

Agree

Neutral

Disagree

Agree


G, [26/2/2026 4:20 pm]

So actually, there wasn't a need to raise GST after all. After all that rhetoric about needing to pay for higher healthcare costs, higher operational costs etc 

In the end, this surplus will likely go to the reserves, and then when people ask about it, that old and overused "raiding the reserves" phrase will be taken out and reused again


LCL (Danny 心), [26/2/2026 4:38 pm]

心法:

[26/02, 2:38 am] ☸️  Danny 心: "Budget 2026 debate: PAP MPs call for prudence, caution amid global uncertainties.

Members of Parliament from the People's Action Party also urged for more social support for vulnerable groups in society."

https://www.channelnewsasia.com/singapore/budget-2026-debate-fiscal-surplus-global-uncertainties-pap-mps-5949516#:~:text=Budget%202026%20debate,groups%20in%20society.

[26/02, 2:41 am] ☸️  Danny 心: He also suggested reframing the Community Development Council (CDC) vouchers scheme as part of a broader social support framework.

Vouchers and credits can be repositioned as a social dividend, an annual sum given to citizens that signifies that they have a stake in the country and its collective wealth, said Assoc Prof Ho.

"The government can determine the size of the dividend it declares each year, depending on prevailing fiscal and economic conditions," he said.

"The dividend should be universal and progressive, meaning that everyone receives something, or the less well off receive more. A social dividend would be a form of social support that complements the structural transfers, is flexible in size and sends a clear message of solidarity and inclusion."

Echoing his sentiments, Mr Loh suggested a surplus sharing mechanism in the form of more CDC vouchers if the surplus exceeds a threshold.

CNA news:-


REACH Singapore, [26/2/2026 4:39 pm]

[ Poll : 2. I agree that the Government managed its fiscal position well. Share your reasons in the chat. ]

- Strongly Agree

- Agree

- Neutral 

- Disagree

- Strongly Disagree


LCL (Danny 心), [26/2/2026 4:39 pm]

Very good suggestions by this PAP MP.


LCL (Danny 心), [26/2/2026 4:42 pm]

Source:- Google AI

The Singapore government is consistently ranked among the best in the world for fiscal management, with high rankings for financial stewardship, accountability, and long-term planning. Key to this success is a disciplined, forward-looking budget framework that includes constitutional protections for past reserves, enabling strong, proactive responses to crises like the pandemic. 

 Monetary Authority of Singapore +4

Key elements of Singapore’s fiscal management include:

Strong Financial Stewardship: Often ranked near the top globally (e.g., #3 in 2022) for government effectiveness and financial management.

Budget Discipline & Transparency: The Constitution requires the government to balance the budget within its term, with strict rules on drawing from past reserves.

Proactive Planning: Policies focus on long-term needs, including, but not limited to, an aging population and climate change.

Progressive System: The tax and transfer system is designed to be fair and progressive, with a focus on shared responsibility.

Reinvestment: The government uses surplus revenue to fuel development in key sectors (e.g., AI, technology) and support households through various assistance schemes. 

 www.mof.gov.sg +7

These strategies have maintained a AAA sovereign credit rating and created a stable, trusted, and competitive environment. 

 Singapore Public Sector Outcomes Review 2024 +2

Government and Regulations

8 Nov 2024 — We remain committed to building a sound Public Service with the means and ability to deliver on commitments, and meet the needs of citizens and businesses. Sing...

Singapore Public Sector Outcomes Review 2024


LCL (Danny 心), [26/2/2026 4:42 pm]

Agree with the assessment.


LCL (Danny 心), [26/2/2026 5:00 pm]

Noted independent credit rating comments on :-

Progressive System: The tax and transfer system is designed to be fair and progressive, with a focus on shared responsibility.


LCL (Danny 心), [26/2/2026 5:01 pm]

GST vouchers and CDC vouchers - are the transfer system designed to be fair and progressive, with a focus on shared responsibility.

Withdrawal of GST vouchers and CDC vouchers - make our GST tax system regressive - that go against our tax core values and principles - designed to be progressive.


REACH Singapore, [26/2/2026 5:07 pm]

Dear Contributors, 

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REACH Singapore, [26/2/2026 5:07 pm]

[ Poll : 1. The Round Up Speech adequately addressed the questions and suggestions arising from the Budget 2026 announcements. Share your reasons in the chat. ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree


REACH Singapore, [26/2/2026 5:07 pm]

[ Poll : 2. I agree that the Government managed its fiscal position well. Share your reasons in the chat. ]

- Strongly Agree

- Agree

- Neutral 

- Disagree

- Strongly Disagree


LCL (Danny 心), [26/2/2026 5:09 pm]

With reference to :-

In response to WP MP Gerald Giam's call for a re-evaluation of the GST hike, PM Wong said that raising the GST was the only broad-based and sustainable option to fund rising healthcare needs while preserving Singapore’s reserves framework.

He noted that the Government is already planning for the next tranche of measures to strengthen support for families, with more information to come during the debate on the Prime Minister’s Office budget.

----

I concur with the view of the PM.

It did not derail from the original intent of GST as progressive and not regressive tax.

Hence I support as long as the original intent of GST + its relief (CDC and GST vouchers are not withdrawn).


LCL (Danny 心), [26/2/2026 6:00 pm]

As for labour market remain resilient at record high, I agree with the statement.

Even my nephew graduated from university sustainability course - got employed recently.

So indeed, full employment within my social circle.


REACH Singapore, [26/2/2026 6:01 pm]

📢 BUDGET 2026 ROUND UP SPEECH BY PM WONG📢


LCL (Danny 心), [26/2/2026 6:05 pm]

As for AI, important to go down the road that encompass the following ingredients similar to invention of computer and invention of internet:-

1. It must supplement workers as productivity tools and not replace workers.

2. As some jobs, could be make obsolete by AI, new high values jobs must be created and redundant workers should be retrain to take on the higher value jobs.

3. AI must be moulded into usable tools that truly add values and productivity with measurable outcomes into ROI for business and workers - and not as gimmicks.

4. Help must be granted to business and workers to use AI effectively.


Jun Ming, [26/2/2026 6:16 pm]

Comparing from previous years, this year budget seems stingy. The amount of support towards individuals are kind of limited


LCL (Danny 心), [26/2/2026 6:17 pm]

I think PM is looking into giving additional tranche in the coming PM Office budget.


Jun Ming, [26/2/2026 6:18 pm]

With ai coming up this means Singapore no longer need so many population to produce productivity. It's time to reduce the intake of population

Jun Ming, [26/2/2026 6:18 pm]

So to create more livable space and not being pack in mrt

Jun Ming, [26/2/2026 6:18 pm]

With more space tfr will go up


LCL (Danny 心), [26/2/2026 6:19 pm]

But you need people to buy goods so that our domestic economy remains strong and vibrant.


LCL (Danny 心), [26/2/2026 6:21 pm]

With lesser people to buy goods and services - consumption (a variable in the circular flow of income) GDP will drop.

Government tax revenue will drop.

Fiscal budget surplus will drop or go negative.

In the end, we got to pay higher GST, and no GST and CDC vouchers.


Jun Ming, [26/2/2026 6:22 pm]

But the rate of gdp increase does it increase as much as population growth

Jun Ming, [26/2/2026 6:22 pm]

Then we should increase our export isn't it


LCL (Danny 心), [26/2/2026 6:23 pm]

Population growth must be managed in such a way, we enjoyed livable space + ensuring GDP and fiscal revenue return remains healthy.


Jun Ming, [26/2/2026 6:26 pm]

My suggestion is as ai grow we should prolong the minimum years be a PR to become Singapore citizens


LCL (Danny 心), [26/2/2026 6:26 pm]

We need 2 wings, external and internal wings.

Only rely on one wing - our economy will tank.

Also export need manpower to do, no manpower also cannot.

Also external trade is not within our control.

Look at Trump's tariffs....

A strong economy must have a strong domestic economy + external economy.

Strong domestic economy always come first, before we can do well in external economy.

If our backyard foundation is not strong, external economy can't grow.


Jun Ming, [26/2/2026 6:27 pm]

https://www.ica.gov.sg/reside/citizenship

Jun Ming, [26/2/2026 6:27 pm]

Only minimum 2 years is too short


LCL (Danny 心), [26/2/2026 6:28 pm]

Imagine if we don't have finance, manufacturing, supply chain, wholesale, retail, talented people, domestic business, airlines, shipping, air flight cargo, port management etc - without a strong domestic foundation - export cannot take place.

Hence always must be 内强,外才强。

(Internal strong, only then external can be strong).

When internal is weak, how to trade?


Jun Ming, [26/2/2026 6:35 pm]

1.) how do you expect anyone to integrate within 2 years? 

2.)as housing are getting smaller tfr and marriage dropping why is our bto demand still high? 

3.) this will remain internal goods purchase and companies can continue hiring these pr so it doesn't affect economy that much 

4.) some may think twice to leave so there will be a slide drop. Those stay will more likely create a family

Jun Ming, [26/2/2026 6:38 pm]

On tfr dropping maybe can give marriage incentive


LCL (Danny 心), [26/2/2026 6:48 pm]

1. US economy has very high consumption 70% - that is why their GDP is strong.

2. China economy very trade dependent but internal consumption relatively low only 40%.

That is why their youth unemployment very high 16.5%. 

3. India very high domestic consumption 60 - 70% but relatively weak trade - that's why GDP cannot catch up China.

4. Singapore 2 wings quite balanced though bigger in export - 3 times the size of GDP.

We cannot shrink our domestic economy - else we can't service our external economy and trade.

Figure Source :- Google AI.


LCL (Danny 心), [26/2/2026 6:56 pm]

Imagine we shrink our population significantly, many food stalls close, retail shops close, clinics close, entertainment outlets close etc.

Our living spaces bigger but we live with misery and got to pay even higher GST tax and other tax - because government tax revenue sources shrink significantly - due to low income tax, corporate tax.

But GST tax will shoot up to cover government budget.

And no GST vouchers and CDC vouchers for us.


RY, [26/2/2026 7:32 pm]

Is GST hike really necessary when the cost of living is increasing especially post Covid ?

Go shopping/dining and etc, almost every shop/biz/service there are price increase, in order to sustain the biz 

Is there any other source of income that the Govt may generate instead eg GiC/Temasek investments besides taxes ?

On the other hand, I do appreciate the GST bonus/CDC vouchers/govt subsidy/SG60 bonus/incentives/financial assistance and etc from govt also ~ to me is sharing/distributing "dividends/bonus" to the people

I am glad that SG Budget does have surplus, comparing to other countries with Budget Deficit ...

If there is surplus, then may set aside for any emergency use in future, who knows maybe another pandemic ... ?

I think SG Budget quite comprehensive, as it covers the different age grp/biz/upskilling needs and etc


G, [26/2/2026 7:40 pm]

Yes. This. Isn't this the mandate for Temasek / GIC..?

Instead, what we saw last year was the below par returns for both. And this news was after GST was raised from 7% to 9%. 

Temasek / GIC delivering below par returns equate to less NIRC

-> less money for govt to spend

-> raise taxes

-> raise GST

= higher costs of living for all

G, [26/2/2026 7:44 pm]

And here's the kicker:

Tax payments contribute towards GDP numbers.. An easy way to inflate GDP growth numbers is to increase taxes

And turns out GDP growth is a big KPI for political office holders' bonuses

REACH Singapore, [26/2/2026 7:45 pm]

Dear Contributors,

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Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

REACH Singapore, [26/2/2026 8:00 pm]

Dear Contributors

We will be closing the chat for today.

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊


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