FOR THE DAD WHO REFUSES TO GAMBLE WITH HIS FAMILY'S FUTURE

Your Family Deserves More Than Just a Condo.

They Deserve a Financial Fortress.

Use the Dad Math Prudence Engine to see your TDSR, MSR, and my safety-based recommendation—before you commit to a bigger mortgage.

❌ The TDSR Trap: Bank approval ignores real family costs—like $1,200/month tuition.

❌ The 6-Month Myth: For an upgrade, 6 months’ savings is often the danger zone. We plan for resilience, not “just enough.”

❌ Interest-Rate Shock: If rates hit 4.5%, many families feel the squeeze. We stress-test your numbers now, not later.

❌ The Hidden Cashflow Killers: Maintenance, insurance, and helper costs quietly drain your surplus.

THE PRUDENCE ENGINE v2.0

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If the Prudence Engine just flagged your upgrade as Red or Yellow, it doesn’t mean you can’t upgrade.

It means you can’t upgrade using conventional methods.

Most agents will tell you to 'just do it' and figure it out later.

Dad Math says we fix the problem before you sign the Option to Purchase.

We don't guess with your children's future.

(What we will accomplish in one short call)

The "Hidden Reserve" Audit: We look for CPF and cash pockets the bank’s TDSR math ignores to see if we can move you from Red to Green.
The 6-Month Buffer + 20% Surplus Plan: We set the minimum buffer and the monthly surplus target so your lifestyle stays stable even if rates rise
The "Silent Killer" Filter: We factor in maintenance fees, property taxes, and tuition inflation—the costs that usually cause the 'Squeeze.'
The Final Verdict: I will give you a 100% transparent "GO" or "NO-GO" recommendation based on fiduciary safety, not a sales commission.