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For Singapore’s Gen Z, ‘Girl Math’ offers a path to ‘finding joy’ – and spending recklessly

  • Some Singaporeans say Girl Math is a ‘coping mechanism’ for young people grappling with cost-of-living pressures in the city state
  • A survey of Singaporean Gen Zs and millennials revealed 41 per cent spent more than they earned and 52 per cent were in debt

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Shoppers on Orchard Road in Singapore. Photo: Bloomberg

If you buy enough bubble tea drinks in an order to qualify for free delivery, you essentially get a cup free. Or if you buy a dress for US$200, it costs just US$1 if you wear it 200 times.

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That is according to the logic of “Girl Math”, a financial calculation system that has taken social media by storm since a New Zealand radio show introduced the concept as a joke in July. Young people the world over have since started using this newly named approach in order to justify spending thousands of dollars on frivolous but mood-boosting purchases, from Taylor Swift concert tickets to luxury Van Cleef necklaces.

In Southeast Asia, some on social media have been tickled by the trend, while it has sparked alarm among others who argue that it could encourage reckless spending.

Shoppers browse second-hand clothes in Singapore. Photo: AFP
Shoppers browse second-hand clothes in Singapore. Photo: AFP
Singapore TikTok content creator Darshen Kunaseharan, 29, recently shared a video using Girl Math to justify spending S$140,889 (US$102,900) on a permit to buy a large car, known as a certificate of entitlement (COE), prices for which recently hit a record high in the city state.

In the minute-long clip, Kunaseharan begins by rounding down the cost of a COE to S$140,000 before dividing it by 10, which is the number of years the permit is valid before it has to be renewed.

He then divides it by the number of days in a year and repeats the process before finally splitting it down to the number of minutes in a day, bringing the value down to S$0.02 – which makes car ownership essentially “free”, he claims in the video.

Kunaseharan told This Week in Asia that while Girl Math is rooted in humour and “delusion”, it also serves as a “coping mechanism” for young people grappling with cost-of-living pressures in the city state.

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