you go the traffic light also you miss the traffic light everything just goes against what you what you expect and what you hope to be and and that's when like , I feel like uh it's like the world's against me and only have myself to fend for myself, like I need to take care of myself and I only have myself to depend on so those are the those are how I feel like when in the moments where I feel like the world is against me lah so how about you do you have any specific moments


ya I agree yeah ya lor


is it is your experience related to this one also, it's just a bit different ah, we will look down by, !huh!, why


, (mmhmm)


, for this question right in terms of academic uh fortunately I'm still okay but I would say it's more of like financial ability I do not come from a very well to do family so out of all the cousins and other uncle and aunties right technically my family if you want to put it out


into a ranking system right I don't rank very high in fact I ranked like towards the end and during like let's says family gatherings such as like chinese new year for example like you will see people start comparing like whether it's what you wear or what you're presenting when they come to your house for a visits


it becomes like they will feel that I I feel that they think that we are not well to do we are we are not useful we are not successful, so it's like , furthermore it's family so it becomes even more like uh why why are you like that like why do you think that why are you looking down on me like shouldn't you be helping me instead of like looking down on me and feel that I'm not comparable to you like what makes you think that


financial ability is what defined somebody's success, ya so that that was how I felt at that point of time when I feel that people are looking down on me, and uh uh more like looking down on my family as a whole lah and I feel that when people look down on my family is as if they're looking down on me because I'm part of the family mah so it's like uh


yeah so ya that that those are the times where I feel that people are looking down on me and uh yeah it's usually about relatives lah ya relatives because the closer you are the higher expectations you have of them compared to strangers


yeah that's what I feel


, , is,


, I totally agree


negative negative, okay uh, okay so I will share two things lah okay I have two I have two times so the first one was also academics uh especially during my JC days because I was really really not doing well


but, I have no choice I'm already here like I'm already there I'm already in year two I need to go and take my A levels already but my results is still not doing well except one particular subject which is chemistry and and it's I have no choice but to take it I need it for my A levels so at that point of time it's like


I don't know whether I made the right choice to come to JC I don't know whether I'm a study study material really are the hardcore mugging kind of material or like maybe I should go poly to do more hands on to have more experience that is beyond textbooks so it's like


I really like I don't know I don't know what was wrong I don't know what I can do I'm really studying but I'm still not doing well so I struggle a lot with that and , yeah so it's like I really wanted to like just switched the subject like switched to do something else but that will set me back one year and I was not willing to do that


so so I so I just finish it [orh] no choice but at that point of time when my result is really really, stuck at the rock bottom right it !wah! that when I felt like I don't know whether I have I I should still continue on lah yeah and another another time would be actually very recently because I just change job as you know so it's like


when when it was like super overwhelming right off after onboarding right I felt like I cannot take this on my own like I don't know how to handle the situations and but it feel it felt like , everything the things that the work that I submit has to be perfect because its customer facing I have no choice but to make it perfect but as a new person although there are helps available but I feel that I have to do this on my own but I don't know how to make it perfect


like even though I thought that it's perfect right and I check back again there is still a mistake but there is never perfect so how am I supposed to make it perfect like should I am I suitable for this job then that question come back again, am I suitable I just change only mah am I not supposed to be here should I just go back to my old one because it's so much simpler and I'm so much more comfortable there and it's a very very familiar familiar environment so


ya I really felt like giving up like actually just last week oh no I just sound like some giving up person but yeah like yeah so I felt like , uh if I just give up it's very easy to give up I can just say I don't want to do anymore


right so and and some more it's like during probation I can just say I don't want to do tomorrow I don't have to come already, so it takes yeah so it's like , ya lor when when when life gives me lemons I better make it into lemonade if not I will give up so ya next anything


okay next what you want which one you wanna share about,


every, five plus ahead


facilitator you mean, so so embarrassing ah , right


why why do ya,


, , (hmm) , okay how about me me ah uh usually I will share this moment ah in my primary school right that was very I felt embarrassed at that moment


okay so it was it was during one of the rehearsal full dress rehearsal for one of the speech days I was supposed to perform with this like recorder like instrument okay so it's like a group performance and then we are on that you know like in your halls right like primary school


halls then there are like steps, so we are supposed to like line up on the steps then I'm the last one from the left so I'm the last one to step out onto the stage along with my my role ah so I'm the last one and then right after we play finish right the people will signal us to go down right


but no I was not paying attention I don't know what I was thinking I did not go down so I'm the last one right so technically I need to follow nobody will be pushing me already because I'm already the last one, so everybody left and I was just standing down there in my own world in front of the whole school


then I was just standing down there I was like not paying attention I don't know what I was doing also I don't really remember it was primary school so I was just holding the, the instrument in my hand I was just look I was just like stoning and after everybody left I just oh and then I have to run after them which is like super embarrassing ah


because everybody was looking at you and wondering like why this girl still on the stage when the whole group already go down, ya so I yeah, ya fortunately I didn't fall down though when I'm running after them so that could have been another embarrassing moment, yeah


yeah, it's like what are you doing, ya, okay one one more question I guess


dream of mine ah, I'm those people who don't really have a lot of ambition or dreams but , !aiya! I will share something like maybe my dream of uh


my dream of make starting my own business, I feel that as I grow up I feel that it's more and more unrealistic and it doesn't fit my kind of personality to be able to be a boss of like a company and as I accept that it's like oh, I I will not be a boss ah


I will I will just be uh a employee for the rest of my life and and that dream dies a little more and more every day but , ya it's like that it's the world I'm living in a society I'm I'm brought up in so, yeah how about you


your DJ, okay


, undertand


dream ah, dream ah useless dreams like I want to be rich [orh] I've to accept that , never mind I shall not share about that okay let's move on to the next question


how about what keeps , which one do you want (hmm) what keeps you awake at night


same same,


it comes together it comes together, ,


, for me similar to yours is also about commitment but a little bit more and a bigger picture right it would be like , am I doing enough at this stage of my life


like, for to prepare me for the other stages of my life like I already spend like more than twenty years already so it's like am I on the right track, am I doing sufficient so that I don't need to suffer for the next maybe another sixty seventy years of my life am I doing enough am I am I doing enough for the people around me am I supposed to do more or am I doing the right things or am I supposed to try to pursue something even even higher


and not or even more or like not just stay stagnant yeah so that's what keeps me awake at night


okay, part two positive experiences, yeah okay let's start best meal


can you share yours first


like that also can, like that also can okay can can best meal ah , okay lah since you share about feelings right I will share about the food itself lah okay I like to eat so the food is very important so what do I like to eat I like I think one of the best meal I had was a


it's not okay so I like I enjoyed barbecue okay so I know one of the best meal I had is what I think during like one of my gatherings with some friends, okay ya uh ya so I best meal because the food was great the company was great and it's been sometimes since I met up those friends so yeah so everything uh is is good so that was one of the best meal !yay!


so boring compared to you okay never mind next , you mean like yesterday


yeah I was wondering what you talking about eh, I was like what kind of brand is that


ya and then and then, how the brand is Yeo'S eh there's no k why is it so , yolk u still got one more, still got one more


the orange colour one I think everybody know, no you call it carfield car, car, it's garfield lor, ya ya


ya with , spit saliva spit


you're not supposed to talk in the train oh oh, okay let's go to next question [bah],


but the uh in the post COVID world who or what are you newly thankful for eh thankful of or appreciative towards, I totally agree, no


ya and life will be so boring, there's no netflix


not to forget people who maintained them, have that ya, I would say yeah I'm extremely thankful to be in actually in in this kind of uh era where technology is very very prevalent and we are very comfortable using it at least for me because we are we are even before this COVID situation right we are exposed to technology very very often in our daily life


so things like I I can't imagine my life without netflix or like internet, that then like what am I supposed to do at home like I'm not even going out I'm not meeting, anybody there's no there's very very little physical interaction already, so if I don't have all those things right it would be so boring but yeah this is that during COVID lah okay so after COVID right I think I will more thankful towards how to say if small things like small things like even able to like meet up with your friends even to have a to dine out to not


to hopefully not have to wear mask like anymore, so it's like even small things that I don't think it's extremely like oh like very special it will become very special then but because we got that kind of privilege got taken away from us so I think I'll be very appreciative towards the people that I get to meet the people who make the effort to step out of their house


to to to actually gathered together to have a meal ya


fond memory , fond memory ah fond memory will be going overseas, together for the first time and like , because I mean although that the place that we go is uh somewhere that not the first time that we go uh on our own since you're different company I think I think company makes a whole lot of difference and that


exploring a new place uh exploring uh old place together with somebody new or or somebody that you haven't been to the same place before will totally make like it can totally change the experience and had a lot of fun and I can't wait to be able to go overseas again, after this COVID COVID thing


and to hope to make more fond memories together and yeah the fond memories include like trying to, uh try new things together visiting new places even in a country that I have already been to and also uh to go through things like either waiting for the bus the bus taking so long you know like even even negative experience might turn out to be a positive one or maybe not really positive but a memorable one because you experience it with somebody


uh a somebody special yeah how about you, yeah yeah, Sian not bad lah


yeah the fried chicken


describe the memory describe , got other parts what, oh that's the one ha okay


it's the best, why you make it sound so bad, , ya ya ya okay fine


yeah, !yay! small thing, not ever having to wear mask anymore because it's very hot and stuffy and then is like, ya everybody just look like terrorists lah if you wear hat and a jacket okay and it's so hard to recognise imagine you cannot recognise the friend eh like imagine you need to meet somebody right and then everybody look the same like you only can look at the eyes how many times do you spend looking at your friends eyes that can recognised them like if you don't open your mouth because like like you


ya so ya lah it's like, ya it's like (hmm) maybe not lah but anyway ya lah but at the same time you get, to like escaped uh no need to say hi to people that don't want to say hi to if you meet them but anyway like something I look forward to other than the small thing of not having to wear a mask is obviously the big thing is to go overseas


ya like not saying that singapore is not good but I mean we spent like almost our my whole life here and almost all my all my days here so like going overseas becomes a refreshing time and , the more you don't have something the more you're looking forward to it so during when there's no COVID right all I think about is okay lah finish my work and then like okay maybe if I have time I go overseas but now since I'd the more I cannot go the more I want to go


like I can't wait for the time where this COVID situation clears out and that I we can all go overseas in peace and not like try to like sneak out or do any things that a potentially endanger the people the life of the people, around us not only our own one we are risking other people's life as well so ya can't I can't wait for that yeah how about you


!ee!


anytime you can don't go already eh


you create one ah okay fine fine, pizza pizza, ya


we have lah, we have little bit with a tiny bit of it at least better than nothing


yeah, little Guilin or this thing small small things ah also can ah, you should have (hmm) ya


!huh!, why got one chance only you can go overseas what, fine fine , no I think it's also


I thought you going to say right because right now you cannot go right so when you go ah then you realise hor it's sometimes hor not only about the money eh now you have like even if you have you're a millionaire you have like millions of dollars or thousands of dollars right you cannot go


so it's like, ya how to go for business ah, no ah they close their border they see where you are from they don't want you to come in so it's like it becomes, like sometimes we have taken a lot of things for granted like even in like for example aviation like the borders are so open and that we are living in a very globalised world we think that


going in between like country in between country going to the different countries has been like so so much so much convenience that when we remove that kind of convenience, then you realise that actually there are so many things that we are taking for granted and that it it may not come so easily lor ya it's not so easy as we we thought that it it has become already like anytime right we can go back another ten years in terms of aviation airlines


or in terms of like going overseas like it's no longer that easy even maybe our air tickets will no be as no longer be as cheap


ya then you have to wait super long to to like get checked in like to scan your passport and must take such as long process but okay lah it's worth it, like after that like okay that if all these things goes well and then after that right we can we can go back to hopefully as normal as possible normal by by the means of like pre COVID or or like where where everybody can just


move on their own free will in that sense and that it does not endanger anybody else yeah so I I'm I'm looking forward to that when the pandemic ends anything else you're looking forward to, nothing much ah


you want to share first, or you want share or you want to hear mine is it okay so so I have, , okay fine okay so, so I have two best friends that I meet them when I'm in JC days and one of them right it's , she does a lot of public speaking lah she speaks well and then during one of the competition in school right like this toast masters competition lah and then she was extremely nervous although we have very very we all have very high expectation of her and and we hope that she can do well and we know that she can do well so but she was extremely nervous so when she go up to the stage right then she was supposed to like


uh I think share some like read a paragraph or something or share some experiences right, and then she was so nervous she hold the mic then she forget she was holding the mic so she breath super hard into the mic because she was already like the last few contestants also everybody in the hall was uh very tired already like assembly every teacher talk so long already so everybody was like half sleeping the teacher also you can see them they start to like uh okay a bit more like okay I'm gonna like doze of kind then she breath so hard she likes


then she then after that, everybody was like oh everybody was like looking what is happening next everybody woke up including the teachers the teachers are like !huh!, !wah!, everybody pay attention eh and then and then she got like first runner up lah so not too bad and then we still we still made fun of not really make fun but like we will say like eh remember that time when you breathed so hard and then you maybe we should do that now like where situations where it apply right I think we should do that


ya but the thing is but the thing is right that right is actually her speech it's just that because the long paused that she took in front when she breathed into the mic right that people think that why she like not going to speak anymore then she then people like oh ya so


yeah that was that is something that we still talk about today whenever the situation arise like yeah it's it's still funny lah okay ya you have to be inside the situation then it will be like it's really like oh , yeah how about you have any inside jokes or not


your ex ya lah you lah always like that what


chicken oh, all the all the noisy chicken ah okay , wrong


final year then what how many people were there like was it during your freshman year ah, so when you okay lah Pang chance eh okay lah you new mah never mind , but that confidence right that confidence that makes it funny


fun, I think it's also fun it's also like important that these friends right are able to take that kind of joke


like inside joke inside joke lah but sometimes people cannot take and you don't know you don't know that they cannot then you you keep joking and then they got angry then you also like so we need to be sensitive also when it comes to this kind of inside joke


yeah I mean if they laughed along then probably you can take the cue lah that they can they can take the joke ah so, ya it's it's still funny lah


!aiyo! all your friend so fierce, eh but I also think hor inside joke brings you closer to them because you laugh about the same thing that nobody else understand, they're like eh this is, our own joke like our inner circle kind of thing you don't know other people don't you know then you laugh


and then people just look at you all but you're all laughing yeah, so ya I I kind of like it's like yeah common common experiences lah including inside jokes also lah it's a common experience that can can actually like bring people together, that's how I feel ya cause it funny


things that you eat


yeah okay


I never say one one financial related topic it's okay right oh okay okay I will continue okay uh okay so the first question is that how do you invest your money to accumulate wealth or planning for your retirement


okay so basically to me right accumulating wealth is to save money and then planning for retirement is also save money okay why do I make that stand on save money is because


you do if you do not have the savings first you can't do any investments or anything else so you need that savings first, and also investments there is something called risk R I S K there's a risk so you must take note of the risk that's involved in their investment that's why I say that savings is the most important part in terms of accumulating wealth and also planning for your retirement how you think about it


okay, , okay so it seems like uh we have a common consensus that we we will start from small first and then we will grow big in terms of accumulating wealth and also planning for retirement


okay then moving on to the second question what strategies will you recommend to someone planning for their big ticket expenditures like starting a family or buying a car or house do you have any strategies


okay okay I think that you have mentioned a very good point it made me just think of something that I learned in school which is uh return of investment ROI and so and so forth


I think that is very important like how do I uh save that money in terms to make sure that my project or I should say my project for now is to start a family or buying a car is not a loss in a sense I don't want to buying a car and then it depreciate until after a few more years then it becomes zero dollars right


so I think other than that right I think regarding on, planning for big expenditure like house and car right it must also depends of what are kind what are some of the helps out there in the society or given by the government, if let's say you are buying a house of course you won't look at cold hard cash correct uh I don't think I have that much money to pay straight away also so uh if you are looking at house of course you will be looking at CPF and then if let's say you are looking at car what are some of the helps or bank loans that is available is it


sufficient for me is it enough, or sufficient in a sense ya is the same okay is it enough for me okay to sustain throughout the years go by ya that's that's how I feel lah for the strategies that you need so depends on what kind of things you're going to purchase you will have different types of strategies for that


yup, or priority yes,


okay, , yes I agree I agree with that but that also depends on where do you stay also am I right because if let's say my house downstairs got childcare I don't need a car if my house within five minutes uh got a supermarket I don't really need a


I don't really need a car also so it really depends on where do you stay uh I agree I agree with what you have mentioned okay yeah uh so moving on we will be going through the third question which is how do you manage your financial commitments before and after marriage


okay I think I will start off for this one okay so basically I think now currently I haven't stepped into marriage yet so most of my financial commitments will be between a few things for example uh savings uh or either like things like things that I liked uh like


games if let's say I would like to buy some games games is not very cheap nowadays I I doesn't mean that in the past is also very cheap, okay but uh like games and also like books sometimes some books you might prefer ebooks but some of the books you might prefer like a hard copy good books right but one one one book cost about thirty or twenty to thirty plus dollars depends on what kind of genre that you are reading so


currently for me before marriage of course the financial commitments it is not that high, of course but after marriage there will be more things, there will be more things that need to take into consideration for for example like I need to pay for my phone bills uh my my house bills all this kind all these kind of things okay so if I were to manage right it will be more of like


putting all the monies into something called percentage like how do we uh put all these hundred percent of my allowance or not say allowance hundred percent of my salary and break it into different percentage, that is how I feel about the different commitments that I should put it in between before and after marriage so I will segregate between percentage lah


okay, yes yes next question in a post COVID world what changes are you making in terms of your spending and saving habits okay I will start this if you don't mind okay so in the post COVID world as you can see there are many changes going on in the world like uh people losing jobs or maybe like there is a


cut in a terms of pay cut and so and so forth so it is very lucky that people that have jobs or even that didn't get any pay cuts you can take this particular opportunity or even for those who have a pay cut to take this opportunity to start to save more money because you do not know what will happen


as you can see this COVID thing has just taken just explode in terms of a few months time you do not know what will happen in the future like a lot of people will say so, after this post COVID world or effect during these post COVID not post COVID world but during this COVID world okay the changes that I've made in terms of spending or saving habits right is a I will tell myself to buy less games or in or in return I should uh


do more research on the things that I want and ensure that I really wanted in order to purchase it or in turn or a to make that particular purchase lah so and also to set more money aside for savings and not to eat so uh expensive stuff


yes maybe #cai peng# is not bad sometimes you know yeah okay actually no #cai peng# is good, ya mixed uh mixed vegetable rice yes okay ya


okay uh regarding the part that uh regarding the part on investments I think that part I will need to raise it up again so basically right even before the COVID world everything is very fluid in in the in terms of the in the society although I'm not in the society yet, I mean not as a a worker okay but then uh


currently now in the COVID world right okay it is more fluid than ever just like a simple thing even in school when we have simple events it is very fluid not to say not to just uh saying in school but outside the society is also very fluid in terms of investment yes you can


research and see what are the possible solutions of or possible investments that you can make but you will need to take uh super double or triple cautions compared to the past in terms of investment nowadays that's how I basically feel about investments


, yes uh yes you can say so okay ya so uh ready for the next question okay so okay should I DIY or get a financial adviser to plan my finance maybe you want to start this part


okay okay for my side right I think that should I get it DIY or get a financial adviser okay this system this something that they to me is very uh


is mixed feelings I will say I will I will say that it will be fifty fifty why because financial advisers okay if let's say I'm going for a stock exchange investment let's say today I'm going for a stock, exchange uh investment he recommend me that he recommend me that okay but we might not be able to say that I fully understand or agree with him if I do not have basic knowledge so it's to me it's about fifty percent DIY and fifty percent having a financial adviser


just like when you do things in life ah do it your own unless is really we are really confidence in it then you will make that particular decision if not you will check with people's around you right so that people that you want to check with is like the financial adviser so to me it's really fifty fifty


I would say it's a mixed feelings okay for for this part on question six where should I go and get it DIY or get a financial advisers but of course DIY the most important thing is you must have basic knowledge like what you have mentioned uh for this particular question yes


, yes


, , okay let's take a look at one more question I think this question is very interesting what can you do to earn extra income or to improve your income level (hmm) ya I think this is


uh what have been doing okay so basically I think that how to earn more income is to take up more part time jobs even if you are student you should also take up part time jobs yes because why it is also gaining of experience is not just money you don't see everything as money is a experienced that counts you see


okay so okay but since we are talking about financial I should not talk about experience now so uh, how do you earn extra income okay I think that you should go and take a look at other jobs that is outside of the society, be it giving a flyer or be it giving uh being a mascot


there are opportunities out there and also these monies you can know that you know that this cold hard cash is earn by all the efforts that you have made, and you will treasure all this money and how to improve further is that like what you guys have mentions are investment or even like uh take a look at deposit fixed deposit I think that is also very important you can take a look at fixed deposit although it's very little but at least they are some cold hard cash involved yes so how about you


yes


yes I agree with that totally agree with that that uh that can help to earn extra income and to improve your income level,


part three negative experiences, okay so today ya today we are talking about negative experiences in our lives I think these are all the sad things in your life lah but it's okay we will learn from every sad things that we face in life so the first question that we saw is that


you can describe the moment when you feel like the world is against you !wah! very heavy, (hmm) what is one of the things,


, okay yes I do have one specific moments as my dream job is to be a uh uh, a personnel to be in a radio station okay I I wanted to get that particular course that I wanted to go in I think it was the


that moment that really changed my life I will say because that moment I feel like the world is really against me why because I I get the opportunity to have the early admission for that particular course but then uh because just because that I fail a certain subject which is I'm currently speaking in and then


english and then they say that I am not eligible to get that particular course which I feel that it's a bit , sad sadness in life and you feel that the world is against you because that particular course is in chinese is in mandarin is not in uh english although I know that english is very important but


doesn't mean that this particular what it this thing make really troubled me for days but I didn't really give up at the end because I I try to retake my particular subject, in O levels but I I managed to pass it although I still feel that way that it is very sad that the world is against you back then I I really do feel that


currently in this situation I feel that way too I hope that it will get better, for not not me but for the generations to come in terms of that yeah, so I think that is very important because it's not easy to have people to have dreams I don't think everybody have dreams straight away or when they have dreams when they are


in their young age so I feel that once the person have a dream they should allow them to pursue it and not just saying that oh because your this subject is not good you are not allowed to do it, they will feel it that way because their age they will feel that I'm still young there's still a lot of things that I want to explore it doesn't mean that one subject can determine where am I going to in future


that's why I feel I feel that this is one of the, uh moments that not only me myself I feel that way but I think most of my friends also do think that way, for this one yup, so I think this is one of the negative experience it it was really a painful moment for me ya so then eh how about you take a look at a next one there's another one where describe a time when you looked down by your friends or relatives


uh it's a bit different, a bit different I will change the question I say describe a time when you looked down by yourself you look you you own self look down at yourself why


okay why because when you compare to your friends and relative most of them are really like either they are working or they are married already or some of them uh they are in a certain stream that is what way more higher than you a bit higher lah not way more a bit express stream for example


if you did compare like around in your family members you realised that eh actually I'm not on a stream that most of my family members are in you will feel that, you are a bit sad and sometimes when the way they talk to you you might feel that you are being looked down you see which is very important because coming to a in a stream that is not really that high you will feel that way much more easily you are sensitive to that also


and sometimes you won't dare to speak up much louder than others because you feel that !aiya! they already say that I'm like this what why would I need to say much more correct but when days go by you also must learn that if you to look down on yourself or you look down, uh you are being looked down by others you cannot do it also because you will feel that


it's very it's very sad because we are not moving on people will say you are not moving on in fact you should be moving on in order to make things perfect to make things move uh move more fluently or smoothly so how about you for this part


yes,


, , yes I agree ya which I really totally agree with your part on that uh relatives so I feel that comparison scheme or comparison system is not good like as you can see is it because it it it it harms our our uh


our our courage lah in a sense it's sometimes harms our courage we do not have that courage at the end become okay so, next up up next we have uh described a time when you felt like giving up I think this this really relates to me this question why because there was this one point in time when in in school


not long ago but during school time I took up like uh five modules, while it was like five modules with one was like I have about three information systems one I think some of which is related to IT and one which is on a


the other aspect that I really like and then I also work as part time I also being a uh assistant for my teachers for my professor so I feel that that period was like really busy I feel like oh oh my god I feel like giving up like there are so many things that I need to clear everyday I'm rushing for deadlines you see so


but then, I feel that coming to an end I feel that although I feel like giving up I've but I tell myself to persevere I think that is very important, because although I feel like it's very it's a very very I was really want to give up as I I will like don't care anything just like want to switch off your phone for one day you know that kind of feeling


and you and nobody can find you but, if you did it that way then people will feel that you are irresponsible because you are willing to take up five modules you are willing to take up all these so you should not do that yes, so that's of one of the negative experience I have but I have throughout that process I've also uh get to know more about myself I get to learn people around me are really important yes yeah but I also very sad lah that during that period I was very sad about that


then how about you is there any things that you feel like giving up


, yes


, , but please do not give up because uh you have a brighter future ahead that's how I feel


(mmhmm) okay okay, okay I think the next one is what is your most embarrassing moment I have that okay so uh what happened was that during one of the camps ah, eh I cannot share I don't know if I can share this part okay it happened was like that so basically we were happily walking down the beach and then suddenly a coconut fly past my head and then it was it hit me and then no we were taking pictures of rainbow back then yes so a coconut just came because my friend tell me to catch the coconut but then I didn't manage to catch it it was


it because the person sure too high , and then it hit my head and then I was blackout I will like !oops! then I'd I faint on the floor I mean that is not really a embarrassing most uh moment but it's also a embarrassing one why because there are people that really care you know like people like my co-faci because we were faci so my co-faci really care !wah! she


yes facilitator so she ran to the first aid station and find the person to come and help me while some people heard that [orh] you are hit by coconut they laugh, ah then you feel that ah, no it's not about it's embarrassing plus also you feel that oh why does people laugh at a bad incident


ya it's quite serious actually the next day so I went to the clinic and take a look they said if you never vomit or what it should be fine lah after a day or like a few hours so you should be fine but you really to me I really see through the true colours of some people I would say you see through the true colours of people that really care and people that really don't care


and also you see the true colours of like , how people react when something bad happens you think that is funny but it might not be funny sometimes yeah that's how I feel I I mean that is a negative experience ya for me how about you do you have any embarrassing moments


oh , oh no


, yeah yeah agree but it's very embarrassing


oh oh oh okay, ya but then it's is really a is quite a embarrassing one I feel that one because people will be thinking what are you doing there, ya okay


so uh next yeah one more question uh so what's the question uh the question on what dreams of yours okay dies a little with each day passing by is there any dreams of yours,


, yeah


okay but for me my dreams that uh dies a little with each day passing is I really wanted to be my to do my favourite job which is to be a, a radio D J yes but a mandarin one lah as you can see if you hear my english podcast or english D J I think you'll be laughing more than you are listening to me what am I saying maybe


maybe I'll get it but the other thing is at my dream dies a little because I've met with many hurdles I feel, because uh firstly like things like the results then followed by going for auditions and stuff didn't get any news regarding that yeah so is slowly dies a little and also the current market that the youngsters listen more to


uh spotify and also things like youtube makes that job really uh is a dying out job in a sense although taxi uncle will still love it lah which I love to talk to a taxi uncle I feel ya, because it it bring it brings up really nice conversations really you get to know what they are feeling also


so to me I feel that this particular dream is although a little bit dying up for me when the day go days goes by but I'm still trying very hard to find opportunities if I have that was is I don't want it to die so quickly also ya I want it ya


so this this are the negative experience that I have how about you is there like, anymore things that other dreams that you have , uh that one I think I think a bit hard


I think okay, the next question ah uh what keeps you awake at night, yes yes okay I think for me right what keeps me awake at night is that uh the different commitments that I have how do I am I going to do ya how am I going to to uh


to how to say ah how to handle it yes because we are not only as a child, we need to uh if let's say has our job how are we going to perform how are we going to react when certain things happens if let's say you are in a teaching career how are you going to be a teacher when you go to the school what kind of students do you need to have different kind of tactics


some of them they might not have interest how you're going to make sure they have interest in the particular topic all these things keeps making me awake at night and also like the deadlines where you have a lot of deadlines in line you have commitments you'll have deadlines that's confirm


there's uh you cannot escape one yeah it's goes together it comes together you cannot escape so you need to how are you going to organise your commitments how going how are you going to commit your deadline, and also as a as a child how are you going to take care of the parents or how are you going to spend time with your loved ones and your parents how are you going to have all these things it keeps me awake at night for me


(mm) okay I agree (mm)


part two positive experience, yeah okay so let's start with the positive experiences what are some of the positive experiences so what was the best meal you have ever had can you tell me more about that yeah best meal


my best meal my best meal was the first meal that I eat with someone special yes it was at the shop uh I don't know if I can say the brand name but okay it's tender fresh so it was quite interesting uh that night it was like about seven PM or six plus where we will we were


we meet at uh this particular shopping mall in singapore at the northern part of singapore, and then it was at the basement and then it was the first time that I saw her ya it was a nice meal why because it was the meal that , slowly the it develops more feelings


throughout the the the the more of the date, there is a coming coming on yes that's how I feel


okay okay that's good that sounds good, uh boring is okay ah the next one can you describe a time when you laugh so hard like laugh too hard sorry, , ya yesterday so something happened was that uh basically this guy ah he I mean myself lah this guy !huh! okay so basically they heard so what I heard from ah is that this well known brand drink ah they say that they are they have a canned drink


inside the recent MTV pack you know and then there's this brand name I don't know if I can say but I will say it so I name it as Yeo'S I say Yeo'S and I was I get scolded because it's called not Yeo'S, ah I say Yeo'S I said I said eh my friend tell me ah the Yeo'S ah say that they got a special thing on nine of uh august they say that because they post it on their instagram or the facebook ya so that but and then you are you


corrected me with the correct saying of that particular brand name lah ya but I say Yeo'S , but then that's not enough I think there are second part to it is there one more ya I call it what ah I call it okay so there's this cat that is very famous as you know uh it's yeah it's called me uh to me I call it ah eh I called it garfield yes I call it garfield yes


ya ya carfield I call it carfield yes yes yes yesterday I call it carfield ya ah ya it's garfield sorry about that (uh huh) so I'm so sorry to garfield, yeah I call it carfield people thought is that field that have a lot of cars carfield ya that that one we really laughed very hard I feel that it's laughed very hard and some more it's on the MRT


uh we are we are we are told not to ah spit saliva or talk in the MRT but it was too fun but it was a spit saliva sorry but it was too funny that's why uh yes but it was so funny that uh I laughed too hard lucky that we didn't get caught okay


!wah! this one I feel that I am very thankful to technology in fact


we must thank technology a lot why because if there's no technology like during old days ah during a NOKIA phone you are playing a snake on the phone that time that kind of era you only have hundred and sixty characters to tell someone uh special what you want to say and each particular message cost about five cents


so uh compared to the compared to the, ya life will be so boring you don't have much consoles to play on and and this so I I feel that I should be, we should be really thankful towards technology and appreciate those who have invent all these particular technology yeah


maintain them uh yes I mean I agree with that maintaining uh of the system, and also to gives upgrades when there's needs to how about you


!wow! that sounds cool I would say ah so moving on I think the next one is that can you like describe a fond memory you share with your loved ones, yeah yeah fond memories any fond memories that you have with your loved ones


!wah!, do you mean that you waited for the taxi for very long when you call for a grab ya it was at a shopping mall that we waited for like thirty minutes ah okay although it's a bad experience but with, the the the the


the food on your hand it sounds quite good also the supper yes so what are things uh okay for me right to describe a fond memory it's almost is same as you I would say going overseas with the person that you you love and then that that particular memories so


ya it's the same one so how to describe it's the same one !whoa! , I mean they describe a fond memory mah so that that's the one I mean there are many others uh eh no no no I mean there's others also !wah! sounds like burning bridges okay but but I think uh others like other fond memories is like


maybe things like, going to the place where you have told that person that you really like her you know visiting the place the same exact place again you know after the confession and stuff it it also is a memory it served as a special memory


uh I would say because everytime you walked by you say (uh huh) this is the place ah uh you remember uh you promise me what you never do for me ah now ah so I think that one is very important it's a fond memory lah the place that you , yup uh no ah uh it's it's good it's good yes okay but that's a fond memory I said ya moving on ha what are the things that you most look forward to when the pandemic ends


!huh! oh I mean


no they will stare at you they will stare at you they stare at you they like , they will stare at you and then they will like eh <mandarin>好像是我朋友:hao xiang shi wo peng you</mandarin> like like my friend but not eh don't want say hi a bit shy


okay to me right one of things that I want to look forward to actually the first pointer regarding mask right I feel that is perfectly fine why because uh if I wear mask right if I grow moustache is also okay what no need to shave the moustache yeah but uh I mean I'm not so lazy I'm just saying this for fun ah but the most look forward thing is


that I want to go overseas okay ah yes overseas is something that I really want to and I will treasure it more this time round if you realise yeah because you know that, great things don't come easily lah great times don't come I good things don't come easily like you see after this pandemic ends you really I I believe most of the people will want to go overseas ninety nine percent okay if you have that particular cost you will at that particular savings you'll want to go overseas because you want to experience you know that


everything is not just about work or having a off day at home only you wanted to explore the world you want to see all the things that we humans have created or what have uh what is being brought by the mother earth and not not we create we human we he we man or women created yeah


yes yes I I mean things like leaning tower of pisa is not created by mother earth yes ah okay and also eiffel eiffel tower okay so I mean, things like mother earth mother earth the nature I think that's something that I also really treasure I think it is sort of like in singapore we don't really have that okay the nature we have but it's all man-made most of it are man-made


ya pulau ubin , but uh not that much I I feel that we should have uh we can go overseas to experience not we should I it's like I can't create that then it will become man-made okay but the thing is it's more of like having these things overseas where you want to take a look at it because you only have one uh in life you only have one chance lah hor like what people say


I mean one chance I mean your life is only one time only mah correct you cannot repeat anything when the time goes by then you cannot repeat so you must treasure it okay that's why I think that when the pandemic ends I really want to go overseas to experience many kinds of cultures and stuff yeah


ah technically you still can lah it's you want your life or not lor that's the question


yes I agree with that because you have this social distancing measures in the in place so every in terms where you when you sit on the plane even you are with your friends or your family members or your loved ones you might even need to have that gap in between yeah which is a bit sad


uh to me I think nothing much by I've I interested on something I I saw something that is very interesting can you share a funny inside joke that you and your group of friends still laughs about to till these days I'm interested in this yes yes I tell you to share of course it's hear yours lah it's not I share no no no okay ha


!wah!


eh not bad ah eh good idea next time you go for interview you can do that !hey! interviewee sleepy


okay I have a funny joke it's always because of my my when I say something wrong lah yeah the english ah the english err ah so what happened was that ha


uh during a camp okay during a camp it was about a few years ago during a camp , we they were ask they ask us the question they say what is the name of this camp so I was very confident you know like usually you will go and snatched the chicken and go and press it uh and then you answer the question you know that right so when you should go over there and then I squeeze already then I say the camp name !aiya! say wrongly just like what happen to carfield and garfield


and then I think people can still remember and the person just come came back and tell me eh uh you uh you ah next time ah if you become the facilitator or the camp occom ah which I become the occom lah please do not change the camp name ah he said that was the most funny thing lah I would say


it was with ya freshman year freshman year yes yes yes, ya it's okay it's okay it's an inside joke so people see you the eh ya it was that that saying of


the camp name wrongly that it's funny yup yeah so I think I think there are many things in life that is very funny and then I think in life there are more and more lah I feel that there are more and more funny jokes that you have where you can share with your friends also yes


oh please not ah yes yes yes, then then they will say then then people will say then people will say eh you bully uh become you bully already !aiyo!


this kind of small things become bully !aiya! but you must ask them lah if they they mind or not first okay of course you must ask for the person consensus, yes yes yes ya, but of course don't some jokes are meant to be jokes right then you don't you don't really keep on emphasising when days goes by because it might become something that become people say eh you very lame ah and every time you only have this joke only you only say this only there's no other there's nothing else that you can talk about is it


about me is always about this thing and people will say ah then you'll become very sad ya the person will be very sad, yes yes yes yes that one definitely uh eh you don't know one


uh yeah which I totally agree


yes I agree I mean in life there are many many kinds of positive experience which you have we have cover a lot from things like uh the time where you have the special times that, yeah the things you eat the special times you spend with someone then also things like how we wish to have what we wish to have or wish to achieve in the post COVID world which I think that is very important and we hope that day will come by soon yes


part one financial related topic


I want to talk about, eh you know the first one the post COVID world what changes are you making in terms of your spending saving habits


!wah!, I'm saving so much thank god no never go out because I'm not going out right I I I I've saved so much money, NS money is just, staying in my account there it just it's just lying there there's nothing happening to it I think it it just just comes in and then I see I say hi at the end of the month it's still there it's it's amazing I love it


it's a good it's a good it's a nice thing to see ah before like, I think, every every month around hundred fifty two hundred dollars would just be gone but now it's it's all there and it's it's it's amazing, ya how how's your spending


correct correct correct, ya my parents don't even let me online shop


right ya, ya but, I'm looking forward to spending all of it, once the once everything opens again no lah I'm kidding lah I won't lah hopefully I don't I don't know


ya ya ya ya ya same


ya exactly correct , wait uh what do you think of uh financial independence retire early, how can one achieve financial independence have you heard of that before


ya ya correct, ya what I've read about it is that the the the the goal is to like get have a set amount of investments and then uh every month withdraw four percent of your investment because your investment because it is they predict that your investment grows more than four per cent every year uh every month


so you're able to take out four percent in in in dividends or anything and you're supposed to live off that so basically your dividends and anything on your on your investments right is greater than your monthly expenditure and when that happens right you


you're net positive mah so you don't have to you don't have to work if you don't want to even if you work all the extra money just goes to just building up your asset base for eh it's quite it's quite a lofty goal because it's I think someone ran the numbers and it's around


four million in okay if you're buying singaporean assets singaporean stocks right the their dividends are like not as high as like american ones if you buy that right you you need around four million to like get a a sizeable five thousand dollars a month


of dividends or something like that I think I think it's around there which is quite a lot of money four million dollars in in in in stocks is, quite a lot of money so well it is it is a goal I feel that to reach uh fire you need to have started well off so it's not except it's not very uh


was it what is it how do you call it it's not very , reachable for it's not a reachable goal for everyone not everyone can reach it but it is a goal lah, sorry you were saying


ya correct, sixty three right, ya


ya correct


I feel you you you need to have started out well to be able to in to to grow your investment, you need to like, you need to like grow to four million it's not easy also like, the I'm pretty sure the four million doesn't take into account account like other needs like emergency spending which you'll need to contribute to your CPF also and then you have your if you're married if you've children you need to plan for them


like I'm pretty sure that four million you don't take that money from the four million so it's a lot of money that you need to retire early if you want FIRE lah I I read about FIRE I was like what no lah this cannot be real it's very a lofty goal I feel


ya true knowledge ya


ya correct correct I understand


maybe maybe hopefully but I don't see it as an easy thing to happen lah, I mean you can work towards it but !wah!, tough, okay uh how do you invest your money to accumulate wealth and or planning for retirement


I I have never started planning for retirement !wow! haven't even go uni how to plan for retirement, lmao


but invest money okay lah, uh I think, sixty percent in singapore and then forty percent US equities so like, sixty percent are a bit more conservative like usually people what I've read online is that


at this age you should be more growth minded more growth your your growth portion of your stocks have to be higher, so like, more like sixty percent or eighty percent US which where there's better growth uh uh opportunities and like twenty percent in singapore but I'm a bit more conservative lah ah I'm not too risk I'm a bit risk averse so I'm more forty percent growth in the US and then US stocks and then sixty percent in singapore stocks


which is okay lah but but but thing is it's honestly luck it's it's just very good timing because because of I just started when the COVID crash happened so honestly quite a lot of the, the the the prices I got are much better than what they normally would be lah so I think that I got I got luck going on for me how do you plan what's your plan


ya ya ya, ya ya ya


ya ya ya ya ya ya, it was it was shooting up like crazy because all the tech stocks which were not affected as much, were were rallying a lot everyone went everyone uh everyone went out of of of conventional stocks and then they rallied into tech stocks and because of that the tech stocks it just shot up ya but then now it's it's correcting back but I got in around I I still say that the


price that I got in even though it's a bit overvalued I still feel it it is it is , (ppc) how to say, it is it is fair value and I I picked fundamentally strong companies like okay I did I did buy tesla but then, honestly to in my opinion tesla does have promise if you look at other car manufacturers like nio like like like like like uh all the older internal combustion engine ICE ICE engines right they are really losing out and what tesla wants to build is not just electric vehicles it wants to build a lifestyle is like apple apple built


the iphone but now it's more of the apple ecosystem it's it's a whole lifestyle if you if you've apple you're considered ya ya I get you get what I mean right, so like , what was I saying ya so tesla is I did buy tesla it's it's a bit of a speculative player but I still feel tesla I I I still have confidence in in tesla's direction lah


so all is and the other companies that I bought are also, are tech stocks and only like two of them are like, are like agriculture stocks so mostly it's very growth based speculative base I'm not there looking for strong fundamentals because that that's exactly what a growth portfolio is lah my US portfolio is supposed to be my growth portfolio which is doesn't have to be strong foundations I am


willing to, stomach some losses in the short term for long term gains but the singapore portfolio is not like that it's it's a strong base like cannot be shaken like DBS, like who the how the hell is DBS going to go under no way, ya


ya like like now the US market is correcting right now but I think it will pass, ya, what about you your bonds you say you bond you wanted to buy bonds right, ya singapore treasure singapore bonds or US treasury bonds


ya ya COVID the whole COVID issue plummeted the bonds , values like bonds that's why I don't have bonds at all I I feel that we've time for it when bonds become more expensive when bond yields are better but now it's not the time so I don't have bonds in my in my portfolio


heavy book ya it's quite heavy


jargon ya, ya but !wah! sorry say again


honestly I don't know honestly I don't know I'm too I'm too young to know, ya what else can we say


what advice would you give someone to retire eh sorry credit card ya do you think you should own a credit card, ya definitely I think everyone should be should own a credit card for for spending spending purposes lah but it it's not it's not only a credit card that is a sin it is it is going overboard and not controlling your expenses that is a sin so


I guess if you fundamentally know how to control your expenses I think a credit card shouldn't be a problem, also if you have a credit card and if you have a good and if you develop a good credit score it'll get give you access to better loans in the future so ya definitely a credit card is important just so that you can you know get better access to better loans in the future


ya I definitely agree, you should be able to uh uh control your expenditure before you take on the responsibility of a credit card ya I I I agree, , next question, what advice would you give to someone in order to retire comfortably I have no idea I have no idea


repay debts repay debts ya I guess uh I don't know in my very basic view to retire comfort comfortably would mean to not, owe money anymore so I guess to prioritise debt


prioritise debt pay that off so that you can then, you should expect uh uh money for expenses


ya, right ya correct, right right ya


ya like honestly what would we know, okay next question lor, what are your thoughts on CPF contribution, what


uh what are my thoughts on CPF contribution honestly !wah!, it's a double edged sword I I feel it's it's a good initiative by the government to safeguard our own funds against against well ourselves overspending and and and I guess it's it's useful and for a growing economy like singapore


that that extra funds that it can tap on from singaporeans that they can use for their own investments and then I mean of course they will pay it back lah but so I think it's fine for the development of singapore but then, the constant increase the constant increase making it more and more inaccessible to the lower marginalised it's the lower


uh than the marginalised aspects of society it's it's it's not nice lah it's it's not ya it's not as it's the same way like having GST on on essential goods it's it's not helping the poorer people and the richer people are are unaffected by it so


same thing as CPF it shouldn't be that high for it should be pegged to your income maybe, I don't know that's that's what I feel


ya I I I I really think that's right ya


part three negative experiences


okay (hmm), what frustrates you, !wah!


<P2>arjun</P2> you want to go first


ya okay, yes can hear you can hear you


it does it does I I get what you mean, uh thankfully the guys in my workplace are not like like like that lah we are we are kind of, we're all quite jovial like it's we are called the coordinator cell there're multiple cells in the workplace we're the coordinator cell and the coord cell at least is quite like harmonious it's the other cells that come in and then


mess things up so I guess ya got got got got those latent latent back talking tendencies with the other cells but within the cell we work quite well so I haven't, but this was very true in in school lah in school people will talk behind you and then you you you can't do anything there is nothing much you can do you you just have to let it you can't go up to them and say eh no that you're you're wrong it that that that's not how it happened no it's it's too way too awkward and ya (ppc)


it's just not practical ya I I, exactly when it when it when it get when it impedes your impedes your ability to like function well in school to do well in school to to to remain uh friends with people it it it's it's very frustrating when people just propagate


stuff that is not, true at all ya I get what you mean


what's the worst thing you've witnessed and kept quiet about


actually I do okay this is very it's it's it's uh, I mean okay (hmm), okay this happened to me lah okay so , I kept quiet about something that happened to me lah okay so there is the workplace I live right uh the workplace I live the workplace I work at right there are two security doors one main door and then you have to walk a a a bit of a distance and there's a second door and the second door has a padlock on it like has a has a fingerprint lock on it okay so


so one of my roles is in the morning right I escort the the the the cleaner aunty, from after she's done cleaning the top level she'll go to the underground place where I work at and then she'll and then I will escort her lah I have to escort her I I have to stay where she is so one time right I was


doing my finger print thing and then she just loosely said okay uh <EX2>ah pu neh neh</EX2> open the door !wah!, that was and I didn't say anything I just I just laughed it off I it it took me a while to like realise what she did but like it didn't hit me !wah! uh I I know it sounds very weird that I didn't say anything but then in in my position


yup, ya in my position like I I I felt I felt, I felt I couldn't do anything and later on I told my colleagues and then they they were supportive thankfully I thought they would also laugh at me or something but they were supportive lah eh but then what could anyone do


she obviously said it in jest she did not mean it and but that's the thing mah it's all this casual racism it's just it's all said in jest no one actually means it, but then that's that's the whole point, ya so I I couldn't say I I couldn't say anything I just laughed it off I just opened the door and then we just went on with carried on with what we're supposed to do she didn't she never got to know that I felt like that but ya


what what can you do it's such a it's such a small thing to some people and if I raise it up they will make they will make it seem like I'm the one, blowing a blowing a fuss out of something so small, !aiya! what to do


wait <P2>arjun</P2> can you repeat the last sentence you're cut off


no it is racist it is racist we have to start we we as minorities also have to start naming things what they are we cannot keep deluding ourselves and say that oh it's not racist it's not racist when it is okay it is has it is racist


ya but that's the thing about being a minority if you voice it out it that the blame is on you you shouldn't be voicing it out that's the thing it unless a majority sticks up for you and then it suddenly becomes oh yes oh sorry sorry <P2>arjun</P2> we we we were like that but then if you yourself said it oh no I feel this way then you're just making a that that's the way people think lah I mean


it's human it's not I'm not okay I am in a way blaming people but it is human to think like that and people need to actively unlearn these active uh uh these biases but !haiya!


who, oh ya ya ya ya ya ya


dude it's so performative, ya it's so performative that it's !wah! it's damn annoying, they will actively support this kind of black lives matter thing but then in their own country then they


it's ya it's very performative it's not it's not nice at all, that's why I I I I I didn't I didn't post anything I didn't post anything I don't post anything on my instagram because because there're too many eyes on me you see people can just casually draw up draw up conclusions like you just did I don't post on my instagram at all


don't post on my instagram story at least, ya it's just too many eyes on me, even if I do something out of goodwill, people might misconstrue it but in this case the one that you said definitely people just doing it for the performative aspect of it they're just doing it because everyone's doing it they want to earn brownie points it's disgusting ah and sickening


yes yes racism is definitely learnt it's a definitely learnt aspect no one is born like that


play an active role ya, no it's not enough at all like


I don't think it's enough at all, ya exactly


yup no problem


your computer , uh racism in singapore lmao


uh black lives matter


I agree


exactly like like I don't I don't I'm not saying that it's every majority race err, not not only majorities it's not like every parent is actively telling oh these stereotypes oh there's there're stereotypes for indian stereotypes for, malay stereotype for chinese it's not that it's it's it's more about about hearing them hearing your child saying them and then telling them telling them off saying that that's wrong you're not supposed to be saying that not laughing along if your if your child (ppc)


one day comes home and then tells you a joke and then and then it's a racist joke it's uh it's on a stereotype oh indian men curry smell bad or some some some some some thing like that you you got to tell them off you're not supposed to laugh with them and that's one of the nature versus nurture thing lah ya it it it plays down to that it's it's all this whole thing racism is very very much


attributed due to nurture it you it is purely dependent on your society no one I don't feel know anyone is born, is born racist, or prejudiced towards other races other cultures other religions


like you know when you know when raeesah khan got uh her what's it called her, uh


she got investigated into right, (ppc) you know when raeesah khan got investigated into, hello, ya ya ya and then people were were were were equating it to DPM heng's comment about how prime minister sorry in the older generation are not ready for non chinese PM right


I don't think it's the same issue, he was making probably a statistical observation she was making, an anecdotal observation so while she, might have been investigated into the way people should have reacted is not by is not by saying oh uh DPM heng is wrong it's it's it's two different issues I feel that they conflated it and that basically uh


just covers up the whole race issue that they were that that raeesah uh was trying to bring up I don't know lah the the public reaction was a bit weird to that I feel, that frustrated me like like social activism in singapore it's not as robust as you would like as I hope it would turn out to be in the future like it's


too little too late I feel there has there there needs there more needs to be done, but you see I I talk so much and then yet what have I done nothing I am just a I I I just I just sit here thinking I'm the minority so I don't have to do anything but technically we have a lot of work


to do also but lazy lah


ya ya, ya ya ya I agre


yes correct


ya I agree, I think we should step up more and and and tell off, people who take us for granted but it's easier said than done lah, (ppc), the social implications of you telling off, uh another group for being racist is way too high like I feel if I said that to my not chinese friends I think my chinese friends would understand definitely they're way better than if if like an acquaintance that I never met that newly met


and then he was just bantering and then he says something offhand that is casually racist right if I told him off it will be very awkward for me more than him, he would he would feel like he was in the wrong he was wronged and people would rally with his side because why would I disrupt the social setting right why would I make it awkward I made it awkward what so you see the onus is on on the minority races the the the the the victim to like carry the burden


which is very annoying but that that that's honestly how it is what what what can we do right, we have to take it in your stride if you want to if you want to dismantle stuff if you want to dismantle casual racism then you have to be fine with of with with making the place awkward making the scene awkward if people don't like you so be it if


you if you need to achieve a goal then ya but it's all of this is very much easier said than done so


part two positive experiences, okay , uh <P2>arjun</P2> you should start first


!walao! my parents never ask me permission before bringing me here sia


no I get what you mean


nah I I've nothing wait what makes you want to be alive ah (hmm), there's no there's, !huh! oh can you still hear me, (ppc) hello hello


okay okay okay what makes you want to be alive , it's it's not one single thing lah as you say lah it's it's it's it's definitely a lot of things lah I mean it's it's the future I want a I want to be part of the future but honestly I cannot pinpoint it to anything lah


it's it's normal that you all want to, uh, move forward in life uh okay wait let me, bounce off another topic do your describe your favourite activity to unwind and relax, , honestly right like I've I've


I just like to like cue up a bunch of of just random videos on youtube and just zone out just watch it zone out it's it's it's I I I love it like especially after duty like, okay like like my NS duty makes me very like mentally fatigued also I know it's not like I'm PES C lah so it's not I don't have any physical aspect to it it's completely desk job I sit down behind a computer the whole time the the most I walk is to the toilet or to like get lunch or something (ppc)


so it's like very little physical activity but mental activity wise it's it's a bit, it's a bit stressful lah so, what I like to do is just put a bunch of youtube videos I don't even care it's on my youtube feed I just click click click click right click like it open open and then just just just zone out it's it's it's it's a really nice feeling


like I don't want to concentrate on something I don't want to in interact with people also it sounds very weird but I just want to like you know me time, and I just need to recharge a bit ya that that's my it's just to relax a bit


I also like to go to the gym lah but then thanks COVID


ya ya


!wow! non PES C things you want to run, you want to run, oh my god what's wrong with you, why do you want to run why do you want to why do you want to purposely put yourself in a why do you want to oh my god


I'm kidding lah I'm kidding lah, , , , it's it's


oh no it's fine I live on the fifteenth floor it's fresh enough for me I don't need I don't need any more scenery I can I can just it's fine no one can ever convince me of running


ya I I I know what you mean lah I know what you mean whenever I gym it's the same thing lah


, , , you're proud to be a netflix subscriber bro they didn't choose you you're paying them bro with the hell


proud to be netflix subscriber lah eh, anyways eh what what what shows have you been watching


oh dude you keep telling me to start that I I'm just very lazy I haven't started it yet I'm starting it soon, oh that's not the show is it ya, ya ya


well they haven't had new season right the season five I heard they scrapped everything like they deleted all of their season five stuff I mean not season five sorry the latest season and they're gonna redo everything so as to address the black lives matter movement, it's quite cool it's quite cool


oh I I want to watch it dude steve carell is I I love him so much


really, oh damn, wait it's not a TV show right it's it's a it's a movie right, oh, damn I thought it was a movie, (ppc) oh, good good I am I will watch it soon


I've been watching uh sorry say again ya, no no I I have to completely disagree with you here sir the office was a miracle was was start to end was amazing you cannot say anything start to end season one to season okay fine season the last season was a bit bad


but season one to season eight was amazing you cannot say anything against me it's my favourite TV show I love it too much, yes that's right correct yourself, correct that's right I think I think that's why everyone like I think ya say


what are you doing with your life you should get on it


I I've started watching uh lucifer again like I used to watch it then I just stopped for some reason I don't know why I'm I'm rewatching it, again I'm like at season three right now, it's it's very it's not very deep and it's very mindless and I love it so it's just again it's another it's another way for me to just zone out


there's like nothing amazing happens there it's just, uh it just ya I just like lucifer for that dude have you watched dark have you heard of dark, dude it's it's it's crazy it's it's crazy it's it's this german uh (ppc) time travel TV show it's three seasons long it's it's brilliant really it's brilliant


I'm not talking about like the time travel aspect cause like honestly some people might like it might not like the whole time travel just jumping here and there it is confusing to some people lah but I'm not talking about that I'm talking about like the the the film uh cinematography the the the you know the the location the dialogue I I just loved it a lot it it was a really nice TV show you should watch it


and who doesn't like who doesn't like time travel my time travel was amazing, ya it's really good they just recently finished season three


like the whole show just ended it was it was quite good, oh my god ya ya okay I need to watch ya it's on my list it's on my list


what's DA district attorney, oh oh DEA okay


(mmhmm), narcos is wholesome bruh


okay, I want to watch breaking bad also


dude have you heard of this uh movie called uh the old guard, on netflix, it's it's this , it's like it's this group of immortals they're like immortals since like don't know how long ago lah then they are in the present age and then they are like


mercenaries, ya ya ya it's it's it's if I explain too much it's not it it it will defeat you you go watch it you go watch the trailer at least it's quite cool, ya, it's a TV it's a movie sorry not TV show it's a movie


ya it's pretty cool, say again


I only get to watch when I'm at work so like usually what happens is we have the you know got OSN and INET right so my role right has an OSN and INET, so after I'm done with my work which usually takes around like freaking ten PM and then after that if if if my I'm I work with another regular called a coordinator if the coordinator and I are free right then we just put up movie and we'll just watch


do I recently watch, I recently watched the old guard, but but I don't have netflix I I'm an illegal pirater ya I I don't have I don't have netflix, sorry sir not rich as you !walao! got netflix the hell


do you actually pay for netflix, why do you actually pay for netflix why, why , bro HD europix bro


HD europix it's lit the website has everything, okay lor can


ya , that's right that's right


ya ya ya ya, ya ya ya, apple TV amazon prime


ya , ya


ya ya, ya that's why netflix stock price is is also going up mah because of of of the increased, netflix use everyone just subscribing more to netflix, which is ya you're right


, , bruh, okay despite the ongoing global uncertainty what makes you optimistic about the future


!wah! optimistic about the future, sorry, ya very morbid to say but thankfully that our age group doesn't get affected as much


or even if we do not not saying that we don't get infected cause infection rates are the same for all ages but like even if we do get infected the, it doesn't end up as bad as, for the older generation ya I get uh ya that's true lah a very morbid thing to be optimistic about but it's it's not wrong


also like cause I trust singapore's ability to, to, to uh what's that called, to be able to produce or buy vaccines and produce it, for


for singaporeans' use at at a cheaper rate cause I heard america america is making, good err headway into the, vaccine right and !wah! I I heard talks about them trying to jack up the price two thousand dollars per per treatment bro who who who who has the money for that


anyways so I I I I'm optimistic because I I think singapore will be able to, provide it at a much subsidised cost and that's important because it it it really need it really would it would get to the more marginalised people lah not everyone's going to be able to afford it for two thousand


is it, hello <P2>yuan te</P2> can you can you hear me, ya hello I can hear you, hello, hello


hello, eh ya I can I can hear you all now


ya ya definitely


a bigger role ya, hello


ya okay okay you're back ya ya you're back you're back, ya, I agree sir


yup I agree


right, part one financial relation topic ya


yup wait let me read ah I read it first, (mmhmm) you want to try that


sorry, [orh]


dude that's very true like I think it applies to everyone like honestly like I think it's because like no one gets out of the house and you can't really meet up with your friends so like there isn't really a reason to spend your money like the only thing that you can spend your money is on like


, online shopping but even that is has slowed down a lot so there's literally, ya there's literally like uh very few reasons why you should spend your money, and I I guess that's great because we can as in as teenagers we can save a lot of money but


me too uh but but since phase two started oh man uh meeting up with friends everything just started in full swing and it's so hard to it's so hard to like control it


like it, it's just so hard to control it because like for the past three months like we've been like we didn't really have to actively save the money it just it just saves by itself, , ya


I've heard of that before but the second part is something which most of them don't relate to retiring early


like what do you think about it


(mmhmm) that's true


like it doesn't really apply to a lot of people, ya ya, oh uh right I I was just agreeing to what what what you said that uh most people most people can't really get retire


that early in the life because like if you see like in singapore like like I guess the retirement age uh nowadays is like in sixties, and ya and, some people just can't retire early like because


like you can see like the old like some of the old people who would uh uh who would become, uh taxi drivers because in order to support the families and and it's quite a sad reality and


I I guess like uh this applies to uh quite a to a privileged few I guess ya


ya that's true that's true


I guess nowadays people are getting more access to you know uh investment uh like to to investment in general I guess like uh, it it's just getting promoted everywhere I mean the reason why we ourselves are talking about it it's because of increased accessibility ya like like !wah! the banks like


the offering like like, the DBS vickers that both of us like sign for, oh ya like I I guess I guess like maybe maybe the future uh like the percentage of people who'd uh retire who'd retire early would uh would increase ya


sorry is that oh the the third question is it oh right wait let me read it, oh my god , , uh


oh right like to be honest, uh in in in terms of uh investing I don't really have much knowledge but uh what I heard is that uh a safe balance would be uh sixty percent on stocks and forty percent on bonds which is which is a like


we like we should always like try to uh try to focus more on bonds because like you know that's more risk free that's what I heard but uh but <P2>pranav</P2> uh for the US market uh isn't it


uh like it it isn't it like uh start starting to plummet or something like uh I heard it's it was rising uh like it was it was, it was rising a lot like uh in the in the uh first few months of COVID like uh in the march


uh


that's true right I see I see, oh right right right I see oh


oh singapore bonds are the most safest like uh I heard that has triple a it has triple a ratings so but the thing is like it doesn't really pay you well because because of uh, like because it's it's just too safe ya


right I see I see to be honest I I haven't started investing at all like because I I just feel like during, especially during this climate I I I I just feel a bit uh apprehensive uh because uh


because I I'm a rookie and uh like I don't really have much knowledge about this and like, uh uh I I I I just want to like uh watch the market for a for a bit and uh like read up a bit before I start investing like like


but the first investment that I did uh before I start this investment journey is is a book called uh the intelligent investor I told you about it so I'm still reading about uh I'm still reading it but it it's a really tough book to digest


like honestly like uh like sometimes I feel that I I really had to force myself to read it because uh like it it's quite hard to understand the, like the the financial what you call that the jargon yes correct ya


do you want oh, do you want to go on to the next question uh what advice would you give to someone to get him or her out of debt oh my god the only advice I can give him is uh hang on uh


alright uh next question (hmm), okay do you


for me I would I would take a slightly different uh uh perspective because


I mean owning a credit card card is awesome because uh with a credit card you can can borrow credit at at a really like good rate and but but the thing is that, uh there are a lot of uh people like uh


in singapore and around the world who gets uh caught up with this uh credit card loans and they they find it hard to, uh repay it because they don't really have that financial discipline uh they like because uh they take loan to for various reasons like uh maybe to buy a big ticket items or maybe to invest


uh somewhere or uh like they they tend to take great risk because uh, because uh it's easy to get the credit but when it comes to repaying that's when they would really struggle uh


so I feel that, uh I mean if, if someone is having a credit card uh well sure uh she should have it but you should still have the financial, discipline uh to uh to make sure that uh he's taking on uh


a loan that he himself can handle and not something which, uh would uh cause him to struggle, ya


(mmhmm) I I see uh I guess uh for me what advice would I give to someone you know to retire comfortably I would, say uh, I mean uh


save as much as you can while you work and, I mean put put aside some money for retirement like retirement funds invest in insurance, like put aside money for your children's education basically all


the uh generic stuff and ya I guess then they can retire comfortably well, , just some twenty year old's


no nothing


right ya like I I feel like, it's similar to what uh <P2>pranav</P2> said too, I mean it's a it's a really good initiative by the government ya like it uh it really uh


you know encourages uh or, well ya it it really encourages people to uh put aside money and and uh put put aside a part of their uh like their income to like


like to, to have retirement funds et cetera et cetera and and they they'll be able to get like a fixed amount of uh money every every month or every year uh after they retire and it's it's it's a really good initiative but it still has its


downfalls downfalls so I I feel that uh, people should uh uh should have a good knowledge about it and uh guard themselves against the downfalls so that they don't they don't be victims to the CPF but they they get to enjoy it uh as in they get to uh benefit from it


ya, (mm) right (uh), (ppb) alright


negative experiences


(hmm)


you start first, err alright uh, okay yup I'll go first uh I feel that uh what frustrates me


I feel like one of the things that frustrates me a lot is uh like okay I'm I'm I'm talking from a workplace perspective , I feel that like gossiping like frustrates me a lot like gossiping and spreading a falsehood like that that's one of the like uh no nos in my life


hello can you hear me, can you hear me alright alright great, alright then like like I feel that like uh I mean that


there are people like in in the workplace like there are people around you who, like just like just can't resist uh gossiping about stuff like they they just want to like it's just part of them, like I mean they they


it it it's just part of them that like they they can't resist doing it, and then like, it it just frustrates me because like uh sometimes when you want to get, things done uh such like such things like will just like add to the inefficiency and then like you you just you just can't get things done because because of


things that we could have avoided things that are unnecessary ya and you know that, I I mean I'm pretty sure that frustrates everyone ya, what about you


should we go on to the next one


that's a very reflective question do you have anything on your mind


that's true that's true I mean I actually I've similar experience as well like in a similar setting in camp and, uh like, I mean okay, it was all okay like we we're just chilling in our bunk and like we're just like uh


uh like, I think it was after uh like quite a intensive uh, intensive training and then we're just chilling in our, bunk with all our all the other commanders and like, we like we're just having fun we're just like talking talking and stuff like that and uh like one of my new friends like who was like not really


like not really involved in the conversation he was just like uh like, like playing some indian songs in in his speaker it was it was slightly loud but not that loud in the bunk and then like


like usually, like we like no one really minds like whatever songs that they play like they, they they just like they would just try to enjoy it but but then like, uh the people in my bunk were like uh


like after some time they just tried like started to mock it and like they just they just started to mock the song and like, uh you know, it like it it it it it's quite passive but was still it it's kind of a I just don't know how to explain like it it it just kind of show that like


they kind of look down on uh, like on indians in general like like it's it's it's like the true colours are coming out, uh that kind of that kind of thing right like


like when when I hear like songs from like other languages I don't really I like I I I'll just try to enjoy it like and just try to take it in and like I'll just uh like if it's a good song then ya like I'll just listen to it I don't I don't really, care about the language is it's all about the the tune the song but


uh but I I on that day I realised that it like that's not the case for everyone around me like some people like, they just they just tend to be like uh, I won't say racist uh ya slightly racist it is racist actually ya


okay it it is racist actually like I feel that like I could have uh voiced out then but I I just shrugged it off because maybe because I was a bit tired but like I just felt that I could have voiced it out at that moment


ya so I was uh just a bit


that's true that's very true like, err <P2>pranav</P2> like you know that those few weeks when


george floyd died like I those few weeks after george floyd died like when the george floyd, ya it it it like the june period I guess like when, when the black lives matter uh protest was in full swing and uh


!whoa! and like every like people in america I mean like the people in america were were protesting and people in singapore were also posting about it, and I was quite surprised , like I was quite surprised when I saw a few of my friends who I don't really uh regard as like uh uh that active in like uh this kind of racial issues like who are who are who are racist


uh just like uh casually , just repost black lives matter uh post and be like (hmm) uh and some say some deep thoughts about, that and !wow! when I see it I I I I'm like !huh!


do you really resonate with it, like you don't really have to show a different face to the rest


I guess it is what it is


ya me too like


that's very true I just like, like I I I just don't know like where to like where it starts from I I think it starts from like the childhood


like from from the family like what they're taught in that family like it's not, ya like it can't be the schools like just like schools, okay uh though I wouldn't really say that the efforts by the schools is adequate I would say that's like like schools still uh attempt to ya still attempt to like uh teach like to teach the students like about


uh about racial harmony et cetera I mean it still doesn't address racism like it's still, kind of ya it it doesn't address racism at all ya but just like kind of uh like uh


you know teach about racial harmony just touch and go but, and I really feel that it it comes from like the families and really like I feel that parents have like parents really have a great


role in, alright alright I started my uh computer recording uh but as for the app what should I do the mobile app alright


okay, alright uh it just says that uh it just says overall progress file progress et cetera


alright sure cool


oh ya like uh <P2>pranav</P2> like since we are talking about negative experience what frustrates you ya this one of the things that frustrates me my computer , , ya because, , alright like ya it just malfunctions sometimes but ya


like alright but uh what were we talking about before this uh, ah yes that's right uh what exactly were we talking about (hmm)


ah yes uh alright ya about uh, oh ya I I really feel that it it just stems from the families like eh like the parents really have a great role to play in a child's development


but they don't really uh take I mean like they don't really, feel the importance so they tend to like feed the children, with uh whatever uh like prejudices that they had in their own life like in


ya, I really feel that way, like like I really feel that like


sorry uh could you repeat that, oh yes ya yup


oh right ya that's true, like, like honestly like uh, I I I just feel that like uh there there's a lot there's still a lot to be done regarding this, like


uh, I I I just feel that people should start to unlearn certain things uh unlearn certain like stereotypes that they have about the minorities, and like, they just have to like they just have to make this, first step but it it can be quite hard I guess


like people I mean I'm I'm just glad that people started to started to talk about it uh it wasn't really part of that daily conversations of people uh like in the the like in the past few years it like it just it just came now


uh when things started to fall apart , but I I'm I'm really glad that people like started to uh, you know like people just started to like realise what's happening around them and


ya I I mean I mean it's a it's a good first step but uh like uh the future of like uh racism really depends on what, uh we do like our daily actions I feel


right


ya that's very true like but


ya I I I just I just feel that like uh, more more has to be done like, just has to be like taught in like schools like, the teachers themselves already have to you know change themselves like change their their own perspectives for this to happen ya


positive experiences, alright (hmm) let's let me let me have a look at the sorry


oh alright okay wait uh let me look at the questions uh what makes you want to be alive (hmm) very deep let me think about it uh


I guess , , okay okay like okay TBH I feel that what makes me want to live is, like uh thinking about the future like oh like uh what my future self would become like uh what I would do in the future and uh I guess


uh, it like it just, I I I guess it's the thought that uh you know that there's a lot left in the world to explore that like like even if like you like you gain a lot of knowledge


there's still a lot more to know about it it just never ends like like if it's, like if you know all about the world there's there are things beyond as well like I know the space the universe et cetera et cetera you know


, so ya so I guess that's kind of like, uh uh uh I I I don't know like, you just you just makes you want to live and I guess, it's the people around you who want to make you like who who who like who who just like uh you know


like just help you make your life easier and like liveable I guess so, uh, ya that's what I feel about this question what about you


sorry your voice is breaking, alright ya I can hear you yes yes yup carry on


alright like ya like I I I get what you feel like !wow! like during NS there are like


uh periods where you do a lot of stuff and like you just get so mentally and physically tired and you just want to, unwind and relax like for me like if, if it's if it's just a mentally tiring task not a physically tiring task, then I would like to like I'll I'll I'll I'll just like to go for a run like go for a good run like and then just just go and


like, sorry ya that's just me ah, , I'm sorry but ya


dude okay if okay think about this like you like you run and you breathe in the fresh oxygen like and like you you you take in you take in the scenery around you, like you take in the scenery around, you and like oh my god that's a that's a damn good feeling man and


!whoa!, okay you should you should you should really try it, okay and then like you know after the run like uh you just like sweat a lot and like your your your mind you'll just like get more relaxed


and like just feel like having a good sleep like after you, bathe and and like maybe having really good food because you you tend to get hungry and, you know it it's it's it's just damn good way to like unwind and relax to me to me ya and if okay like if I'm uh if I'm physically tired then


alright if I'm physically tired then I wouldn't run lah like I would I I would I would just like uh watch netflix it it's a damn good way to unwind and relax because there's so much content in there and, I, I I I I'm I'm just so like uh proud to be a


netflix subscriber because there's just so so there's just so many things out there like in, yes just so many things out there like


, quote me on that , oh right like okay nowadays I don't watch that much but like okay like err I like billions


oh dude it it's so good but the thing is sometimes right like if you want to unwind and relax err you may not want to watch it


, it depends on what kind of unwinding and relaxing you want if you don't want your brain to be so active, then you shouldn't watch it but if like if you feel that oh, uh I I need some, like I I just I just I just don't mind like uh putting in some thinking caps then ya you can watch it


but ya like what else like, I just like to like watch comedy I guess brooklyn nine nine oh right that's great,


ya, ya ya, and, and I I I and I tried to watch the space force


ya ya but but it, isn't really that as good as the hype like as what the hype suggests, like ya like I


uh it's a TV show it has it it just released its uh first season, ya but but I guess


but I guess just like the office like the first season won't be that good and the the next few seasons will be like like completely different I guess


alright okay let me correct myself let me correct myself okay the office is a, damn good sitcom like really good sitcom but the thing is that uh


okay like I I actually find season one good and like I haven't watched the next, two seasons yet, and I I'm just like I I just read about space force and they say that it's just like the office, like


and like, I I just read the reviews and like everyone is saying that uh like the space force is just like the office maybe the first season is like not that good but the next few seasons will, catch up so like I'm just saying like a sentiment that's like common with


the viewers of space force I guess and the office ya


no I haven't why what what what's it about, oh right


oh right like I


ya man I've I've heard about that but it's just that I forgot the name but ya like I heard a lot like a lot of damn good reviews about it, too ya, oh right oh right that's cool that's cool