Need Excuse so that doc allows me to have ligation. I am only 23years old but already have 4kids! Thank you!

I think this would be better discussed with your partner and then have a moment with yourself to think about it before making your decision, afterall you are still pretty young. If money isn't a factor, I personally wouldn't go with it even after 4 kids but realistically, everything is expensive in Singapore so if money is a factor, then yes, I would (I am 25 years old this year).