After expenses, not much left really - same for most folks here. But, IMO, do not buy insurance! Let me explain. Go buy those protection plan for accident, for health care and illness. But dun buy insurance as a form of saving. We have got an enormous chunk of our salary [our part and employer's part] locked up in CPF. That is a mandatory saving, locked up to 55yr old, now extend to 62 and even older to 65 or even 67...... So, why do you need to have some fixed savings in the form of some saving+protection insurance plan. Well, to me, CPF is already helluva lot of savings. I prefer to spend my money NOW or next year, but not locked up in an insurance plan for 10years or even 20years.