Just noticed that the final $1,500 matching from government in baby's CDA: Baby's Child Development Account I put in $6,000, government matched $6,000, total have $12,000, and also last year government topped up $500, the other $230.28 is interest from OCBC. This money I think very helpful if need to go nursery or kindergarten, if choose those less expensive ones, I don't think can use finish, but if choose those one month $1000+ type, one year finish. Now I'm thinking whether nursery is even necessary at all, I remember last time I go nursery, only eat, sleep, play, run around, never really learn anything useful. Kindergarten I remember sing songs, eat, sleep, run around, also kind of crap. Now maybe they improved I don't know. Too bad CDA cannot pay for those martial arts classes or music classes, I think it's better for baby to learn something more specialized, if go to nursery or kindergarten, they probably just teach abc, sing song, 123, play t