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Old 05-12-2019, 01:28 AM
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To provide a different perspective as a doctor coming from a neighbouring country:
Life as a medical specialist is very comfortable. Singaporean doctors have very good work ethic and are very responsible, they dont try to tai-chi things that are within their scope (at least in my experience). They try to help you as best as they can, as long as you know your stuff and your patient's issues.
Cars are expensive but not too expensive for consultants. If you choose a regular Japanese car, you can pay it off in cash with less than half your yearly salary. Rents are comparatively cheap compared with other major cities. Condos can be expensive but HDBs are affordable, and alot of HDBs have pleasant interiors with comfortable surroundings. Medical care is expensive but as long as you're working, employer insurance coverage is quite generous.
Cpf coverage is sort of like pension, with cpf life. The portion deducted from consultant salary is almost unnoticeable. It is tax exempted and earns high interest.
I have managed to save about 60% of my salary, even with a kid, car and condo living. And at least 2 overseas travel yearly.
Food is cheap and abundant. Weather is hot and humid but good for skin and joints. Age less faster. The best upside for me is to be close to family. As my parents age I foresee they will be needing more attention and care.

If you are a medical specialist consult in any first world country you should have it good.
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