How would you manage your salary with a low salary of 3.5k take home? I can take high risk, is it ever achievable to reach FI with a low salary?

Nice advice

What is your figure for FI?

BE THRIFTY...

If I were you in your 20s, I would do the following:

• Spend within the current ComCare payout amount, which is $ 760 monthly for your own expenses, which is achievable.
• After factoring in expenses, parents' allowances, debt repayment, make sure you build 6 months of emergency liquid funds in saving accounts with highest interest possible.
• Make sure you have cheapest hospitalisation insurance for private ward with cash riders, disability income insurance to cover 75% of your take home monthly income after 3 months waiting period, (optional as expensive) limited payment whole life policy with 5x multiplier to cover death, TPD, TI, early & advanced critical illness covering at least $ 250k. If you are NSman, please get the Singlife MINDEF & MHA Group Insurance Scheme as well, $ 300k coverage for death, TPD & TI and $ 500k accidental coverage, for others, get the cheapest similar term available.
• Invest the rest in cheapest cost index funds based on US S&P 500, MSCI World Index & Singapore STI (ETF is cheaper than funds for STI).