SINGAPORE – Most young Singaporeans see their early 20s as a time for graduating, starting their first jobs and looking for their own homes. But when Liyana Dhamirah was 22, she was pregnant with her third child and living in a tent on Sembawang Beach.

This was 10 years ago. Liyana, 32, is now a business owner with a four-room Housing Board flat. But she cannot forget the experience of hitting rock-bottom.

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