With $10 million SGD in your pocket, here’s a light-hearted take on how you’d navigate life as a newly minted multi-millionaire in the Little Red Dot.

Step 1: The Sensible Singaporean Move

You’re a pragmatic Singaporean at heart, so you’d start by securing the bag. First, you’d brace for taxes—good news, Singapore doesn’t tax lottery winnings, so that $10 million is all yours! You’d probably park $3 million in safe investments: some fixed deposits for that sweet interest, a few blue-chip stocks on the SGX, and maybe a bit in a REIT for passive income (HDB shophouses, anyone?). You’d clear any debts—say goodbye to that car loan or credit card bill. Maybe $1 million goes into a CPF top-up for you and your parents, because that retirement game is strong here. After all this, you’re left with about $6 million to have fun with.

Step 2: East-Side Condo and BYD Dreams

You’re set on a lush east-side condo—Tanjong Rhu, Katong, or maybe near Bedok Reservoir for that chill vibe. A spacious 3- or 4-bedroom unit with a balcony for BBQ nights? Thats $3 million. You’d furnish it with a mix of Courts for practicality and a few luxe pieces (smart TV, Dyson fan, you know the drill). Add $100,000 for reno to get that minimalist Muji-meets-HDB aesthetic. Condo total: $3.1 million.

For wheels, you’re eyeing that $200,000 BYD—maybe the Atto 3 for its futuristic vibes, perfect for cruising to East Coast Park. It’s eco-friendly, so you’re saving the planet while dodging high petrol costs. Toss in a $10,000 e-bike for quick trips to Joo Chiat’s cafes, and you’re set. Transport total: $210,000.

Step 3: Food and Wanderlust

Singapore’s food scene is your playground, so $10,000 goes to a year-long food crawl—Michelin-starred Candlenut for Peranakan vibes, but also $5 nasi goreng at Kampong Glam. Travel? $400,000 for a world tour, Singapore-style. Fly SIA (premium economy, because you’re still thrifty) to Bangkok for street food, New Zealand for hiking, and Italy for gelato. You’re bringing your family or BFFs for those group selfies. Total: $410,000.

Step 4: Share the Love, Lah

Your kampong spirit shines, so $1 million is for giving back. Pay off your parents’ HDB flat, top up your cousin’s kid’s CDA, and maybe slip $5,000 to your favourite cai fan auntie to upgrade her stall. Donate to local causes—think Touch Community Services or an east-side animal rescue (for those Bedok strays). You might even fund a mural at Marine Parade to jazz up the hood. Total: $1 million.

Step 5: Passion Pursuit

With $1.78 million left, it’s time to chase what lights you up. Dream of a trendy east-side kopitiam with artisanal teh and kueh? $400,000 could make it a Katong hotspot. Or maybe you’re a budding TikToker—$200,000 for a series on east-side haunts, from Siglap’s ice cream joints to Changi Village’s nasi lemak. If wellness is your jam, a $200,000 yoga studio near East Coast Park could be your calling. Total: $600,000.

Step 6: The Shiok Fund

You’ve got $1.18 million for pure fun. Rent a yacht for a Sentosa day trip with your mates, complete with catered satay. Snag VIP passes to ZoukOut or a Singapore Lions match. Splurge $5,000 on a D24 durian party (east-siders love their king of fruits). Maybe grab a Longines watch from ION Orchard, because you deserve a little bling. The shiok fund’s for those “life is good” moments.