If you’ve ever joked about giving up your daily flat white to afford a flat of your own, you’re not alone. For Singaporean millennials, the struggle between living in the now and planning for the future feels sharper than ever. Housing prices remain sky-high, inflation makes daily life more expensive, and the pressure to enjoy an “Instagram-worthy” lifestyle is real. But here’s the truth: achieving financial freedom doesn’t have to mean cutting out every small…