Start Here Run the Numbers Transport Property

Decision Comparisons

Choose the right model first. Then run the numbers. Last updated: February 2026

Most people lose money because they compare the wrong thing: instalments instead of total exposure, or “monthly cost” without liquidity risk. These comparisons are built to get you to a decision quickly.

Start here (10 min) Run the numbers

Transport comparisons

Car vs Ride-Hailing

Break-even logic + what you’re really paying for.

Own a Car vs Public Transport

The “time vs money vs fragility” decision.

Leasing vs Buying

Holding period + risk transfer (not monthly price).

Renew COE vs Replace Car

When renewal is rational, and when it’s denial.

Used vs New

What “cheaper” actually means over 5 years.

Motorcycle vs Car

Full exposure comparison, not vibes.

Property comparisons

Rent vs Buy

5-year cost + liquidity framework (Singapore).

BTO vs Resale

The full cost comparison (not just sticker price).

HDB vs Condo

Cost, lifestyle, and regret tradeoffs.

Rent Out vs Sell

How to decide without hindsight bias.

Fixed vs Floating Home Loan

Choose structure by buffer + fragility (not rate forecasts).

Refinance vs Reprice

Break-even framework: rate gap, costs, lock-in, speed.

Run the numbers (fast)

If a comparison feels close, run the stress test — fragility is where regret comes from.