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We're proud of our work to help teenagers and young adults future-proof their financial and mental well-being. Read what they have learnt from our workshop.

* Content is extracted from students' survey without edits.

I learned that life is unpredictable and that we should also buy insurance.

Student, Anderson Secondary School

How to manage money efficiently. How to deal with debts and liabilities.

Student, Anderson Secondary School

Loans may be helpful but are risky if we are too reliant on them. It is important to take note of the current economic situation to make informed decisions.

Student, Anderson Secondary School

Loans can be beneficial if used properly, and stocks benefit depending on the economic situation.

Student, Anderson Secondary School

I need to see if I can repay the loan if I want to borrow money, and CPF takes 20% of my earnings.

Student, Anderson Secondary School

I liked how the game is designed with enough interactive and real-life context in it.

Student, Anderson Secondary School

I loved the idea that they used a board game to help us get more engaged in this workshop.

Student, Anderson Secondary School

It was fun and engaging, yet it taught me about important economic concepts such as bonds and loans. There are many opportunities to explore and understand ways to use our money, such as insurance and holidays.

Student, Anderson Secondary School

What I study impacts what kind of job I can obtain in the future; certain purchases are necessary for future success.

Student, Hwa Chong International

We should be careful about spending during the different stages of economic growth. Going to university does not necessarily mean that one will be successful if they are not careful with their spending.

Student, Hwa Chong International

Debt can be incredibly expensive, and qualifications play a large factor in the future.

Student, Hwa Chong International

It was linked back to real life, so it gave me a clear picture of what I can do in the future.

Student, Hwa Chong International

It is fun and interactive, allowing us to learn through games.

Student, Hwa Chong International

I have learnt that there are different times and changes that will be made in life. It is always unpredictable, and we will never know what we will get.

Student, Canberra Secondary School

I have learnt that in life, you might switch your jobs, and it is because you can always explore and learn and find the jobs that you like.

Student, Canberra Secondary School

It is realistic and prepares for a somewhat version of reality. I have learnt quite a lot of knowledge from this.

Student, Canberra Secondary School

Finance management and proper finance decision-making.

Student, Canberra Secondary School

It is very fun as I can play this game with my friends and learn useful information at the same time.

Student, Canberra Secondary School

What is financial literacy? What happens when you go bankrupt?

Student, Hillgrove Secondary School

I've learnt about loans and choosing the right choices.

Student, Hillgrove Secondary School

I love the game. It is so fun to play with friends. The game also helps me learn how to manage my money and shows what happens if I make terrible decisions. I also learned about investment and loans.

Student, Hillgrove Secondary School

Different monetary-related terms and their definitions. Different risks of different monetary policies (E.g loans and stock investments).

Student, Hillgrove Secondary School

The economic cycle and other aspects of financial literacy.

Student, Hillgrove Secondary School

What will I expect in the future? I must think wisely about where I want to go after I graduate.

Student, Hillgrove Secondary School

The different paths and what the outcomes are if you do a certain thing.

Student, Hillgrove Secondary School

I managed to learn the effects of the actions I took.

Student, Hillgrove Secondary School

It was fun and engaging. It required us to think and make informed decisions.

Student, Hillgrove Secondary School

Playing with friends was fun and engaging, and I enjoyed this session as I’m interested in finances, my favourite lesson.

Student, Hillgrove Secondary School

Loans can be good or bad depending on how you use it. It is important to have a stable job.

Student, Ngee Ann Secondary School

What happens during a recession and how difficult it is to get a job.

Student, Ngee Ann Secondary School

I have learnt about the economic cycle and how it affects me. I have also learnt that spending money is hard since I have to know what to use the money on.

Student, Ngee Ann Secondary School

How to manage savings.

Student, Ngee Ann Secondary School

Planning is important, and we need to invest wisely in things.

Student, CHIJ Katong Convent

I learnt about stocks and bonds and about the rise and fall of owning businesses.

Student, CHIJ Katong Convent

I need to buy insurance and choose my course and path correctly to avoid bankruptcy. Choose what I want wisely.

Student, CHIJ Katong Convent

Seeing our friends getting money, losing money, etc. It also made me think about my career/future. I’m hopeful.

Student, CHIJ Katong Convent

It's an interesting way that gives us an idea about post-secondary education.

Student, CHIJ Katong Convent

The tips to do when there is an economic slowdown: Saving for Emergencies and the future.

Student, Changkat Changi Secondary School

I learn that different courses can affect what job we can get.

Student, Changkat Changi Secondary School

I like how the games “showed” me my future and helped me realise the good things and bad things which would help me in my future decisions.

Student, Changkat Changi Secondary School

The game shows us what happens when there is a recession and all other things that affect us in the real world.

Student, Changkat Changi Secondary School

Economic cycle affects one’s lifestyle and spending habits. Life-long learning can help us gain additional skill sets to progress the career path.

Student, Riverside Secondary School

How to make wise decisions and that happiness is an important factor in life.

Student, Riverside Secondary School

I learnt that sometimes we can take risks; we cannot just stay in our comfort zone. I also learnt that happiness is important.

Student, Riverside Secondary School

I must be ready to handle economic changes and have a better view on navigating life as an adult.

Student, Riverside Secondary School

Make informed decisions before investing, and you should plan early for retirement.

Student, Deyi Secondary School

Planning for retirement can start any time and plan for self-investment.

Student, Deyi Secondary School

How to achieve financial stability how it is more important to prepare during young adulthood.

Student, Deyi Secondary School

helps me to understand concepts better, such as insurance and investments.

Student, Deyi Secondary School

Able to learn more about budgeting money and how it will affect many different situations.

Student, Deyi Secondary School

I like that the game was very interactive, making the lesson fun. It also helped me understand the concepts better.

Student, Raffles Girls' School

It was interactive, and they also implemented the use of technology for a more enriching experience.

Student, Raffles Girls' School

It was very interactive and allowed us to learn the topic quickly and experience how it will be in real life.

Student, Raffles Girls' School

I really liked that it was self-directed and allowed our own exploration to learn these concepts. I also liked that it was a fun and well-planned game we could play with friends.

Student, Raffles Girls' School

Save money, choose what's important, spend money wisely.

Student, ACS Barker

Learning how to manage finances, learning about stocks, and which courses are relevant to which future careers.

Student, ACS Barker

Learn more about career options, whether to invest in stuff and choose different business opportunities.

Student, ACS Barker

I have learnt to invest healthily, to buy a house and make smart choices.

Student, ACS Barker

I have learned about managing my finances, know between what I want and what I need, and know what I want to do.

Student, ACS Barker

Learn how to manage money, be prepared for sudden situations that may make you lose money.

Student, ACS Barker

I learn how important it is to save money, manage my income well and don’t trust investments too easily.

Student, ACS Barker

I learn that a lavish life won't lead to a happy life. I learn about stocks and investment too.

Student, ACS Barker

I learnt that my education path doesn’t determine the income and happiness I get from it.

Student, ACS Barker

I learn more about the job world, more about career guidance and opportunities, and also learning about education.

Student, ACS Barker

Know what our future will be like, think wisely before making decisions and the importance of education.

Student, Hai Sing Catholic School

Always make your choices wisely. Get a good education and a job. Save your finances.

Student, Hai Sing Catholic School

I learned to save up money for retirement, To be able to learn as much as possible to gain more experience.

Student, Hai Sing Catholic School

How to manage my expenses, How I should invest in stocks and which period I should invest in, And lastly, how we should manage our education and jobs.

Student, Hai Sing Catholic School

Invest wisely, save wisely and have a good education to have more jobs available.

Student, Hai Sing Catholic School

I learned about financial decisions, life planning and money management.

Student, Hai Sing Catholic School

I learnt more about job aspects and the importance of education, the importance of saving and the importance of CPF.

Student, Hai Sing Catholic School

I learned about recursion, learning how to make choices, learning how to get the job you want through certain courses.

Student, Hai Sing Catholic School

I learnt how to manage my finances and the importance of having an education for the future.

Student, Hai Sing Catholic School

We need to know when to spend or save. We must think carefully before making decisions and always plan for the future.

Student, Hai Sing Catholic School

I learnt the importance of having savings, choosing the right job, and I also learnt more about stocks.

Student, CHIJ Katong

Plan for the future. Savings are very important. Family time and happiness are just as important if not more important.

Student, CHIJ Katong

Sometimes things don't go how you want, like in the case of retrenchment. Demand and supply greatly affect prices. Jobs you get offered is based on your qualifications.

Student, CHIJ Katong

Knowing how to consider what to do to have a stable career and income, the career pathways are wide and the pathway of life has ups and downs.

Student, CHIJ Katong

Your decisions will affect your life, savings are important, getting certs and diplomas help with getting jobs.

Student, CHIJ Katong

To explore different career pathways, learning is a lifelong journey, and changing careers is also an option.

Student, CHIJ Katong

Having a good degree does not ensure you a job. Having multiple degrees could give you more options when looking for a job. The economy is never always stable. There are times we have to act accordingly to the situation.

Student, CHIJ Katong

that we need to be able to adapt to the situation, that we need to acquire the needed skills to work in a certain industry, that there are many unexpected situations.

Student, CHIJ Katong

You have to manage your career pathways in real life, knowing how to be prepared when there are emergencies, knowing how to manage your finances.

Student, CHIJ Katong

Having a job related to what you majored in benefits you. It takes time for one to build and obtain what they want. Happiness is the key to success :)

Student, CHIJ Katong

I learnt to know how to work towards my goal, the different jobs I can apply & the different courses I can take that suit my abilities.

Student, St. Hilda's Secondary School

It is important to save, acquire the right certificate and learn educational additional skills are useful.

Student, St. Hilda's Secondary School

How to choose your career path, how to be vigilant and smart about the choices you make, how to maintain your professional and personal life.

Student, St. Hilda's Secondary School

Decisions should be thought out before being made. It is still possible to recover when financially down. Things may happen at any time, whether good or bad, and we should be prepared to face them.

Student, St. Hilda's Secondary School

We can now know how important it is to save, adapt to the economic changes and choose our paths wisely based on our choice of career.

Student, St. Hilda's Secondary School

It is useful for our future, gives us guidance to help us in the future and also helps us understand better.

Student, St. Hilda's Secondary School

I learned how to save money, and if I decide to save or spend my money, it has consequences.

Student, St. Hilda's Secondary School

I learnt how to control my money, how to think for my future and how to save slowly.

Student, St. Hilda's Secondary School

We need to learn to save our money properly, make financial investments during the right times, and always manage our finances properly.

Student, St. Hilda's Secondary School

I have learnt how to get a suitable degree for the job I want. I have also learned to save and spend money wisely. I have also learnt how to choose my job wisely to my benefit.

Student, St. Hilda's Secondary School

I learnt about how stocks work, economic recessions and how it affects jobs and businesses.

Student, Anglican High School

Being mindful of how I spend money, planning early, learning new things and being open to different career paths, understanding the economic cycle.

Student, Anglican High School

I have learnt that balancing my savings to stocks, CPF, insurance, and side businesses is important. I learned how I can manage money when I enter the workforce. I understand why my parents must plan their salaries and savings meticulously, as they have many factors to consider.

Student, Anglican High School

I should take the right education route to get the career i want. I should be smart in my investments. I should save money.

Student, Anglican High School

We need to save to survive recessions. We need to think carefully about whether we will buy or start a business. We can change jobs in between to try new things and find out our dream jobs.

Student, Anglican High School

We should not spend too much money on irrelevant stuff. We should not spend till we are in debt. Importance of spending less than you earn.

Student, Anglican High School

Planning for the future is important. We should spend wisely to save in the future. Invest in the correct things at the correct time to earn.

Student, Anglican High School

I learnt to be prepared for the future as anything may happen. I learnt to focus not just on monetary objects, but happiness is also crucial in life. I learnt to make wise business decisions.

Student, Anglican High School

Think thoroughly before making a decision. It is important to have sufficient savings. A good education opens up many more job opportunities than I thought.

Student, Anglican High School

Know how to spend wisely and steps to take when there are recessions and finally learnt to make plans in case of emergency.

Student, Anglican High School

I learned how to save, the education pathways and how to buy insurance to help for any injuries or accidents.

Student, St. Joseph's Institution

Thinks smartly, study hard for better jobs or opportunities, choose wisely.

Student, St. Joseph's Institution

Make good life choices, always continue to learn, and always stay positive.

Student, St. Joseph's Institution

You are not promised a job even with a degree. Do not spend a lot of money without earning enough. Save up some money.

Student, St. Joseph's Institution

I learned more about future careers/paths, how to properly/safely invest and to spend money more wisely.

Student, St. Joseph's Institution

We learn how to save money, we learn when to use money, we learn different education pathways.

Student, St. Joseph's Institution

I learnt to plan my time well, I learnt how to spend my money wisely, I know which course to take.

Student, St. Joseph's Institution

Not to be too carefree when spending money, acquiring the suitable degree for a job and to invest your money.

Student, St. Joseph's Institution

To pay attention to how I spend my money, don’t always go for the money, do NOT loan money from a loan shark even if it’s very tempting.

Student, St. Joseph's Institution

To plan for emergencies, to choose the right education pathways and also planning for my future.

Student, St. Joseph's Institution

Recession can also provide great opportunities to gain assets. Happiness or satisfaction should be prioritised in the long term but not at the expense of one’s financial situation to the point that one loses both. Upskilling is necessary to avoid stagnation in one’s career.

Student, Raffles Institution

Loans can be good and bad depending on how they are used. Preparing for recessions is important. Getting a degree is important if you intend to pursue a job in some industries.

Student, Raffles Institution

Savings are important, Education is vital to gain job opportunities, Opportunities are crucial to success.

Student, Raffles Institution

Managing debt from loan with your current income is important. Always save for rainy days. Pick your education carefully for future career options.

Student, Raffles Institution

Take loans wisely - Don’t take so much that you can’t repay. Insurance can protect us from losses resulting from accidents. Diversify income sources to be less susceptible to economic recessions.

Student, Raffles Institution

It is important to have a clear life goal. Money is typically necessary for a life goal, but it is not everything. The way money is spent should change depending on the economy.

Student, Raffles Institution

We must take calculated risks when investing in stocks and shares. We must ensure we do not pile up too many loans. We should ensure we have enough savings during the economic downturn.

Student, Raffles Institution

Progress in education is important. Insurance is essential in emergency cases. Need to be wary of what stocks you buy.

Student, Raffles Institution

We should save money, get higher education and invest wisely.

Student, Raffles Institution

Diversify income stream, avoid taking too many loans, prepare for recession.

Student, Raffles Institution

That your knowledge is important when you want to find a job, buy stocks when they’re low and sell high, always look for new ways to improve yourself (skillsfuture, etc).

Student, Pasir Ris Crest Secondary School

To spend money wisely, not rush into things, grasps opportunities.

Student, Pasir Ris Crest Secondary School

How to save, invest and how to take advantage of good job opportunities.

Student, Pasir Ris Crest Secondary School

I learnt how to manage my money properly, I learnt more about the economic cycle and how it affects the economy, I learnt that the education path I go for will heavily affect my career/job/income in the future.

Student, Pasir Ris Crest Secondary School

Don’t impulse buy from fast cash, never spend more amount of what you earn and always invest/save your money for future.

Student, Pasir Ris Crest Secondary School

Learn how to spend my money wisely, how to save up and think twice before I wanna purchase anything, how the real world is like through this game.

Student, Pasir Ris Crest Secondary School

Managing my money allows us to see the different paths and courses people take. It helps me see how the world works.

Student, Pasir Ris Crest Secondary School

We must manage our expenses carefully, Make good life choices like not giving up when we don't get the education we want, And also there are many job opportunities that I can uptake.

Student, Pasir Ris Crest Secondary School

Don't spend more than my income, buy stocks when it's low and sell when it's high, don't let debt control me.

Student, Pasir Ris Crest Secondary School

You should secure a good education for better pay when working. You should invest during a recession and sell during expansion. You should always have savings for a rainy day.

Student, Pasir Ris Crest Secondary School

Spend within your means, plan for the future, be ready for anything.

Student, New Town Secondary School

Spend less than you earn, invest to make your money grow for you, pay your loans on time.

Student, New Town Secondary School

I learnt what education pathways there are. I learnt that the real world requires real financial skills. I learnt how to manage my money effectively.

Student, New Town Secondary School

You can earn interest by saving, and your loan will increase when you take them as there will be an interest charge. You can also earn more by pursuing a high level in your studies.

Student, New Town Secondary School

Be wise with our decisions and the paths we choose. Savings are important. Don't buy stocks when it is increasing.

Student, New Town Secondary School

Diversify your spending, be up to date with concurrent events and get a good education.

Student, New Town Secondary School

To invest properly, getting what you need and jobs that interest you.

Student, New Town Secondary School

I learnt the importance of savings, when I can buy stocks and how I can choose my path in the future.

Student, New Town Secondary School

There is a risk whenever we buy stocks. A certain knowledge can get us to the industry we want. There are many opportunities.

Student, New Town Secondary School

There are ups and downs. Education matters. I will try to manage my finances well.

Student, New Town Secondary School

I learned how to save, the education pathways and how to buy insurance to help for any injuries or accidents.

Student, Springfield Secondary School

Thinks smartly, study hard for better jobs or opportunities, choose wisely.

Student, Springfield Secondary School

Make good life choices, always continue to learn, and always stay positive.

Student, Springfield Secondary School

You are not promised a job even with a degree. Do not spend a lot of money without earning enough. Save up some money.

Student, Springfield Secondary School

I learned more about future careers/paths, how to properly/safely invest and to spend money more wisely.

Student, Springfield Secondary School

We learn how to save money, we learn when to use money, we learn different education pathways.

Student, Springfield Secondary School

I learnt to plan my time well, I learnt how to spend my money wisely, I know which course to take.

Student, Springfield Secondary School

Not to be too carefree when spending money, acquiring the suitable degree for a job and to invest your money.

Student, Springfield Secondary School

To pay attention to how I spend my money, don’t always go for the money, do NOT loan money from a loan shark even if it’s very tempting.

Student, Springfield Secondary School

To plan for emergencies, to choose the right education pathways and also planning for my future.

Student, Springfield Secondary School

SmartCo

SmartCo is an education company that imparts values to future-proof one's financial and mental well-being through fun and engaging content.