Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is specifically for selected courses aligned to career transition, mostly full qualifications and longer programmes, so check the eligible course list, cannot simspy use on any short course. The base credit is more flexible. What actually moved my career: I did a part-time diploma-level data analytics course subsidised heavily, which directly helped me move from admin to a more analytical role with better pay. My colleague used hers for a WSQ course in her field that her employer recognised. What I would AVOID: random one-day feel-good workshops (photography, wine tasting) that don't change your earning power, unless purely for enjoyment. Ask yourself: will this credential or skill make me more employable or let me pivot? Also many courses are already so subsidised for Singaporeans that you may barely touch your credit, so use credit for the ones with remaining fees. Plan it around a real career goal.