some of the colleagues and i
have been talking. about. things.

i remain adamant about the unsatisfactory conditions
of a situation some of my peers and i
find ourselves in.

it's just the way it is.
to be fair, it's not an ideal situation
but it's a quandary which needs to be addressed.

unlike some others, we are all not left without
educational debts to pay for.
that will take a fair few number of years
to pay off.

compound that with financial filial obligations
and your daily cost of living.
now add that to being in the government healthcare industry,
where everyone thinks we are oh so highly paid.

so, what happens next?
one: you spend years trying to keep yourself afloat trying to make ends meet.

two: you often find yourself wondering whether it's worth pursuing a career in an industry which the nation is hoping to nurture but is notorious for almost offensively low wages.
and you keep thinking if you should just sell out and be a banker. hah.

three: people don't even consider marriage anytime soon. yet, the nation talks about more single people in singapore and low birth rates, especially amongst the "educated".

well i'm sorry i guess i'm too busy paying my dues for studying.
frankly, people rarely have the time and money
to consider marriage, much less babies.
working in obgyn has contributed some biased points in this entry.
lol.

i've put some options up for consideration...

one: consider going private. HAHA. suhana and i have laid out the pros and cons. too many of the latter.

two: financial management - no matter how meagre the pay is, it's vital to be disciplined about your finances.
have savings (check), get yourself insured (check),
set aside money for investments (i should really consider this)

three: work overseas - get away from it all.
expat pay, lower cost of living,
better opportunities elsewhere.

we all know the fundamental concept of this -
high risk, potentially high returns.
but sometimes,
you fear taking such risks.

and sometimes,
you simply cannot afford to take
the risk
because you have so much to lose.

it's almost akin to gambling,
isn't it?