the current fees that the, current things that they are in currently in a debt so it's like they're using future money to pay for something that they currently don't have, like money that they don't have so it becomes that becomes an issue cause the interest rate is very high and you can it's very hard to earn back the money


I guess ya but then I I I, me myself have my own like reservations in owning one as of now cause I feel like, it's like when you when you own one then you naturally feel more tempted, to use the money there


ya because I mean you also gains you will like more miles and more, benefits as you said, then I feel that sometimes you may get so, like ya the discipline is very important so whether you are disciplined enough to always set aside this amount or to always


pay cause I know you can actually pay your credit cards like as you go right so it's like if let's say today I spend like ten dollars on these item using my credit card then I can straight away like pay off the debt the ten dollars ya but then I think, like for me it requires a lot of discipline lah and I am afraid that I would get sucked into it so I I have my own reservations as of now and


with you I already like see the goodness, coming out of it like and benefits ah which as of now still not really very visible , ya I guess cause we haven't really earn our salaries so waiting when we earn maybe there will be a bit of difference


what's financial independence, being able to support yourself


maybe you can support yourself until the end of, old age like until you you


don't know if it's cause like I'm still young but, I I generally feel that if you just hold uh a normal job like just a general, nine to five job you should be able to afford, for your old age like


I don't know why I feel that like, if you just stably just like maybe rise up the ranks for stably continue working maybe up till like forty plus fifty you should generally have sufficient funds to, fund you're like retirements and of course like the amount that you want to spend how big a house you want to get whether you want to get a car and stuff will determine like


how early you can retire lah but, I think generally I feel that you should be able to, like have a retirement , , in a suitable age if you just save up naturally, and


ya I think even if I retire from like a nine to five jobs can just find tuition [lah]


I think in general I'm more stressed, when, due to my own personal expectations, but I don't think, in general like people always had, I don't, I don't feel like that people usually put their expectations on you it's more of like your own personal expectations of how you feel you should have done in a certain aspect so it's like when I feel that I'm not reaching


my own personal, expectations or, I'm falling short of my expectations and I feel like it's really stressed, so maybe for example like when I planned events, then, I feel that this is how I plan


uh the event to be like but then maybe like, manpower suddenly someone say I'm sick they cannot come or like certain issues like or obstacle stand in the way, and then , ya I'm I'm I'm unable to


tackle it the way that I feel that I should have like when you think back, then or like at that point in time I I have no idea how I'm like supposed to solve the issue, then, like I feel like oh I won't be able to, , meet my own expectations of how I feel this event should have been


then I, I think I get very very stressed it's often not really cause you're, I'm unsure of, what I should do or like, I'm, I'm scared of how people think I think most of the time it's really like, my own like


expectations of myself lah, and I think like, like events are one generally like studying could be another one , I think in , like I think back then like I mean everyone has their own like, good subjects and bad subjects


then one that's really bad for myself is chemistry like I was really bad at chemistry, and then like, I think I even got a D once like even in I think it was secondary school only then like in secondary school a D is like pretty bad and like


then I think I was I was quite stressed at that point in time cause, it's like my own expectations is that, like I shouldn't be getting a D for any subjects ah, but then like you don't actually register to yourself that, , actually everyone has their own like good and bad lah


so , I I'm good in a certain subject naturally I'll be like not so good in another subject and sometimes you just got to I guess got to accept it lah and work towards your own strength instead of like getting eaten up by your own flaws, so , but I think in that sense eventually when I went into like JC and stuff I didn't even need to use chemistry at all so then it was like completely fine


so I guess, it was like your own it was like my own stress lah cause I felt that I should've done better but actually nobody required me to the better eventually when I took my As I didn't even need chemistry in my life so, there was no need for me to be stressed at that point in time but I guess it's just uh


very natural like, I should have done this I should have been better that, kind of makes me stressed, so I guess I would say lah in conclusion generally, when I set at, personal expectations for certain thing and I'm unable to


meet, that expectations then I will feel very stressed


more of like uni during uni ah, but then like will you stress because, like you felt that you couldn't you won't be able to match up to your peers or was it like family expectations or like maybe societal cause cannot get a job or like do you have like a main reason why you felt like it was quite stress


every every exam counts everything you do in the semester, counts ya ya ya agree I think my my I used to okay


and that worked better for you lah like you preferred, the, having it all at one shot then you study one shot


ya ya ya ya I agree I agree like when I , I I think I work better in a, a slightly less stressed environment but also I mean, I I guess I I need some point of like end point I am kind uh I'm I think I'm a bit similar in that sense like, I require an end point like I need to know


where I'm working towards for example like maybe I'm working towards a deadline end of this month I need to complete this and this things so like in the front part I'll be like a bit more chilled, when it comes nearer to the end then like I will be like eh it's coming it's coming then I'll be like more,


how to say ya more more stressed more eager to, and, be more clear on what I need to, do but I think for me it was like in university what, like the thing that make me stressed was like, it wasn't really like grades per se more of like how


if I don't do well I'm uh, I'm I'm afraid that I I cannot get a job, I think that was what worried me cause, like when I was I still remember when I was in like JC, I was, I was only stressed cause I was afraid I cannot get into university but it didn't really matter to me what grades I would get


as long as, I felt that the grades, were good enough to go into a university or rather like a course that, , I I'm I'm okay to go in lah, ya so it's like even if I got a grade that maybe is isn't that good but


it still help me to get uh into, a course or like a university that I'm okay with I, think I wouldn't have been like, like like that stressed, or something but then like, ya I think that's where it derived from so, then when I came to


university I think it was very similar it's like if I don't hit like this certain GPA or something then is it I'm unable to get a job, because actually the ultimate I I mean, out of we have been through so many exams we all know that grade isn't the thing that really matters anymore it's more of like


, how how are we going to use this process to get to the end goal which is like a getting proper jobs so on and so forth, and then, these all these studying is just a build up so so that we can ultimately go into the working force and stuff


so I think like, all these stress accumulated, was to with, the fear that I'll unable be be unable to reached, that, ultimate end goal lor, ya, so I think that that was what got me a bit a little


a bit stressed I think at that point in time, ya I think university is just a journey that, but what in in comparison right, do you feel that your junior college was more stressful or like university was more


is it cause your class is like fixed so you're always having like a bunch of friends, and you all do everything together


okay I think my mine was also about the same eh, I mean like, I feel like there's this , people always say that once you get into university university is like , you know ten times, tougher than JC or like , some, ya some people say it's ten times tougher like those in maybe like engineering the very stressful ones then like


there are some people who say that it's actually much easier like ten times easier, maybe when they go into I don't know some courses that, less , uh I don't know less intensive I guess, but I would say I would I feel like it's almost similar maybe cause the course that I'm taking is also very similar


to, how JC is like like module by module class by class very similar and the , studying style and everything also, quite similiar to JC lah so I guess that's why, it it made a correlation and therefore it's


quite similar to me but I feel like in, it's great how in uni you I I can, arrange my classes the way I want it to be, like in JC it's like you have to wake up by this time right


have to wake up at six o'clock I think everyday so that I can get to school on time then you have uh teachers to mark, attendance you have like sing, the national anthem you have to have assembly it's a very structured then you have this class this class every year every week it's the same for like one entire year or two entire years


but then, and university it's it's different every single semester you learn no longer math, no longer chinese no longer english you get to learn a different thing in every year, and I think that's, that's great lah it's like I get to choose I finally get the options and I get to


have, time that like maybe in the morning I can wake up at like twelve PM and it's completely fine you know it's like you get to, rearrange your schedule such that if you are a night owl you can go at night if you are a morning person you can choose your classes in the morning you get the option, even even though I still prefer like uh I still prefer having like morning classes but


I think it it's that that option that makes me happy, like I get to choose like finally I get to choose, ya ya ya so I think that, what made university still better than JC even though like I feel like the syllabus style-wise is the same


but I really enjoy how it's no longer so packed


do agree I do agree


cause I'm forward looking, so then I guess, worry is always about, if like I'm able to afford for my family in the future to live like uh


comfortable life lah I wouldn't say like luxurious or like anything but more of like just comfortable living, having being able to be go through what I have been like like go through like primary school , secondary school JC even have the sufficient capacity to afford for university like have the options to


, choose how we want to head, to into life I guess, to me that is like like, for my children to be able to have this option is, it's very important lor because I think, if you, if you are like like very forceful if you force that maybe this person has to go through this


path specific road, or maybe there's like maybe my kid wants to go into university but I'm unable to afford for it, the it's like uh I'm afraid that, uh I think that's something that I will hope to achieve, , in the future lor like I what want my child to always have an option be able to choose like today he wants to eat steak instead of like


I don't want instant noodles like he gets the option or like he get to eat maybe mcdonalds over something else you know so it's like you get the option to choose what you want to do and then everything, because I believe that like, I don't believe in regretting lah because I feel like


if if regretting you, you shouldn't be regretting anything because it was something that you wanted at that point in time, confirmed because if not you wouldn't have like made that choice and I hope that there is like, something that my child can also have lah means that they don't have to because they have no options that's why they have to take that route and therefore they regret like hope that there's no regrets I guess in general


I think that's something that I really hope for so like, it be it my kids my I mean my spouse or like I don't, know my family in general I just hope that, that's something that I hope that I can achieve and it's constantly, on my mind I guess so if you say worry I don't really worry a lot actually but I think this is something that's at the back of my mind lah


basically you just hope that, you can provide for a happy life lah, is that is that what you mean , or like you can do things


or maybe like not something that you worry but more of like something that you are often conscious about, like you ensure that you do something so that, like, something won't be won't happen so like maybe like you said you ensure you want to ensure that, like their happiness is like


like not compromised lah so maybe like what's, cause maybe something that, you ensure that you do or you don't do, to ensure that you don't compromise the happiness lor I guess, that that could be one way to approach I guess


think when you when you go out with, with your sister and stuff like you always make sure that , you provide for her, and like you like I I remember I mean always see , you were like buying things for her like be it meals


providing for her transport so on so forth cause I mean totally you could you guys could go dutch or like I mean there's no obligations that the older one has to, , pay for everything lah but then you take it upon yourself to, oh yes make sure that


you settle for her instead of, like having her to worry about these kind of things, so ya I I guess there's one way that


from two out of four, okay ya you can go first so maybe can start with just the first question what was your best birthday present and why


I can go first if you need to think, cause I thought about it just now , uh it's actually very recent like I think, last year like, before we went for internship then I got my Charles & Keith bag I don't know if you saw it before


but, like the pinkish one that I got from my collegue and I think it's probably one of the most expensive, one but like I, don't know if it's in the most expensive present that I got but, it's like, the most practical one because it's just nice when I'm going to start my internship and then I probably will need a bag to look presentable in the office so I think it was very suitable and very timely at that point in time too


get the bag and ya and I still use it to these days so I think it's, I like it, as the best because I think it's very practical and it was very timely


both of the thought that counts kind of gifts, , okay interesting, oh another one I thought was pretty interesting is describe your perfect day, I think it's like if let's say you have like like tomorrow is the day that


you don't need to care about money no need to care about you can go uh wherever you want with anyone no need to care about money


like with your friends or like, family okay singapore so hot though , that's why it's perfect cause it's windy


when I, when I thought about this I was like actually I think would be uh perfect day would be one that's like, I completely do not need to do anything, like I mean I wake, up naturally, then I


just like I mean I think usually just scroll my phone that means like don't need to do any social interaction, so I there's no need to like, maybe like food comes already that kind I don't need to cook or I don't need to buy anything naturally like


everything comes naturally, you know what uh the whole day is just very natural I think, like it's I guess it's quite weird cause I think a lot of people will be like !wah! I want to spend this day with like, like so on and so forth like like you are spend with your friends or with your family but I think when I thought of this question like the first thought that came to me was more of like


I would like to have a day by myself like alone and just everything like it sounded like how thing flows and stuff like I think that would be pretty interesting , for me , okay how about you what question caught your eye


go with a bunch of people


with the your international friends, the jamming session oh !wow!, so you all did travel out of your school and like


what was the what is like somewhere that you would probably recommend, to go at like for leisure, or like the most fun , eh is isn't Tasmania like a romance,


it is it not like the the the location the events and stuff there, I have nothing to do, ah okay is it a river it's not a river also


oh then where do you make your purchases


okay so you'll recommend Tasmania, also


a nature one mine is when I went with, recently lah went Surabaya for mount Bromo, probably shared this with you ya because, , it was very memorable because it was, it was like quite a


dangerous area when I only went with like another girlfriend so we had because it's called mount bromo right so basically the whole like travel experience was to travel mountains, but I was only with a female like one female friend I don't know like what gave me the guards to


go with her alone when I after like thinking we're on the trip now I think it was really dangerous, because, a lot of the times we travelled , around midnight which is when the area's really really dark it's probably like you and your own guide like going to that locations so it's I would say


you it's complete trust in the guide, to where you are going because honestly you also don't really know where exactly you are going to head too because , when you're climbing up the mountains the mountain is so big so there's so many locations that you can start from you're not sure whether where he's bringing you is actual is the actual entrance or like to a place that you're supposed to be going to


so it's it's based on complete trust that the guide is actually bringing you where you should be going and, I mean, it's it's ya when you are with like only when there's only two females it's it might be a bit dangerous, lah and ya and


we we go at around midnight so it's like they travel out like on on cars and then a lot of times because like our guide, like we get transferred from people to people cause , like, the mountain there's a certain guide when we are in a car there's a uh normal city area or rural area there's another guide


when you go to different locations there are different guides so I think it was really quite dangerous, as, when you transfer to another guide you don't know whether the transfer from one guide to the other guide the other guide is trustable or not like there's a lot of like what if what if what if that could have happened but thankfully didn't so


I think it was very memorable cause, it's like one of the trips that you know you travel at midnight that's one secondly it's like some of the trips that you would like I mean I think looking back I wouldn't have done it, again if I if I was like with a uh with just one female friend but then


it's a trip that, I very happy that I did it lah now looking back in time ya so I think I would say this is like probably the most memorable, step out of comfort zone lah, ya interesting interesting


oh what is like comfort food, to cheer you up I need to know this , pizza, you have particular flavour hawaiian, hawaiian is with pineapples or without pineapples


oh both both are fine, are you team pineapple or no pineapple , , yes I'm team pineapple too how can you have hawaiian hawaiian is not hawaiian without pineapples I don't understand why people take out their pineapples actually


it's just what, ya it's just ham ham ham pizza, I think mine is also like cheese related stuff, I don't know like so that's when like when I'm in


ice cream I'm not really ice cream person though, I think I'm more like a brownie person if ah talking about desserts, not really like ice cream oh maybe froyo, like not really ice cream ice cream but like more of those like, ya but I don't know I think like food wise


anything cheese related kind of like, cheers up my day , can be like pasta with cheese or, I don't know pizza can be, I don't know maybe some other cupcake with cheese


something , I think there are oh bread bread oh I like bread, oh cheese tart cheese tart is fine ya I think you can't really go wrong all of them taste good so I think anything would probably make me pretty happy, ya you can match it with everything you can match it match it with sushi you can match it with all cuisines actually


whatever cuisines name it ya so I think it's, something that I think I will be quite happy


oh you can go you you think do you see your question, or ya, oh my gosh I got the same question, ya ya okay okay okay you can go ahead


but that was the ice blend right back then it was like ice blend craze, oh so you got you got ice blend but without the pearls you just didn't like the pearl


ya ya ya ya but you got them without the pearls ah, cause I always got like I think milo or like those chocolate ice then last time I also very into ice blend that was like the primary school days one cup one dollar with pearls some more


very cheap I remember ya ya that was like my childhood , ya but I I I still got it with pearls ah so it's still unhealthy, so what was your like must order


for ice blend strawberry ice blend, oh strawberry is the syrup kind right it's not real strawberry right, konjac konjac is it konjac


konjac jelly oh ya ya ya mine, was oreo oreo chocolate oreo chocolate oreo slashed chocolate oreo with chocolate those kind lah, of ice blend


then why why do you like transit, helped you with the transition, oh


oh so now your drink like milk tea with pearls what's your favorite like all the, or maybe bubble tea shop , same oh my gosh exactly the same, yes that's the best thing in particular


Gong Cha in particular which shop any particular shop, I actually prefer KOI's one as well but I prefer Gong Cha's pearls so it's like who who is the their


oh you like oh ya I, I prefer I think KOI's pearls are like harder, and like really chewy to the point that, I, very tired when I chew it so like I'm more of like a Gong Cha pearl fan but I'm a , KOI, the


the tea ya fan so then it's like ah, you know you can't get the best of both worlds , (hmm) quite Sian , really oh because Tampines has


one okay okay okay , I think mine is very common mine is vegetables, ya ya ya, ya but I I I used to hate it as well when I was


younger when I think of it last time my family always, like you know like you must have a balanced diet so then they will always, make sure that the other one dish there is a veg, then I will like, okay because I'm forced to eat so then I'll eat like


a few pieces just to like, go over the day kind of thing, and then after that I, I don't know eh there just came some point in time in my life, that , just suddenly realise that I need to have it in my life like, keep me healthy you know it's like when you


I don't know puberty hit or something, then you suddenly realise that you should, have some vegetables and you're like then I started eating and then I realise eh not bad eh quite nice, depends on what sauce you mix with but I think, the sauce that you mix with determines


how nice the vegetables ya , the vegetable dish is so if I mix with the right things then I eat it lah like I would say last time I confirm will not order like, like order subway I'll order like just lettuce but then like now always like I will


of every like most of the things lah most of the vegetables, cause like, I realise I'm more accepting of the other vegetables, but, I feel like it's kind of like a a a a, a, time thing it's like once you try it then you feel like eh actually it's not that bad then it's not that bad it's not that bad then in the end not that bad then you just start eating all of them


ya it's like for me it was more of like a, subconsciously I hate it but actually like when I really eat it I think I don't really hate, kind of thing ya so then, it's a good thing lah because then now, the healthier lifestyle, ya ya then can eat like


subway stuffed or these kind of like vegetable stuff, ya, like salad salads also, , anything else that comes to your mind


actually I think I used to hate saving, I think I used to hate saving, ya cause you know last time you, like you will when you get , like let's say you get one dollar for for pocket money then it's like if I don't spend finish the one dollar then I don't get to the best food in my school


you know it's like then if like I feel like you know last time, like there's always the , like the everyone will say oh you need to save like an amount so that next time you can don't know save up for I don't know what things, in the future but then like at the point in time you are just like why can't I just spend all my money I just want to get the like the nicest chicken or like the best food in school


or like maybe one more cup of milo those kind, of things then like it was like a kind of thing but then now it's like it's like more natural, it's like no longer a ha because you know that it's for your own future so then it's like, every time you get to save then you see your bank account increasing you like


yes like that, like it's like a transition, probably puberty hit as well , ya last time like last time, school food was maybe like fifty cents one dollar


now it's like, what can you get with fifty cents and one dollar maybe a drink, maybe not even a drink , a piece of mushroom , oh ya oh oh !wow!


(ppb) ya ya ya so, I guess that's the difference [lah] last time was so when you're younger there was less inflation also so then (ppb) different concept I guess


from one out of four, okay , uh maybe you do the first question


so what is one financial advice that you would give to the you five years ago


probably to save more money and not to just spend anyhow I think like five years ago, ya , uh, ya just to save and also to like you said to put


money in, banks that provide a higher interest rate


so I have a monthly allowance, and then , usually most I think most of my allowance is given, to me as in, the amount given to me is usually just nice for spending


uh so, uh, ya usually I spend it on like food or cause I stay in hall then like groceries , and things like that I


when eh is rachel like gone, okay, okay


okay, let's see, maybe do you have the habit of saving number five, how do you ensure you meet your saving goals


uh I think for me like I guess I said just now in terms of pocket money wise I don't really have the habit of saving pocket money but when I do let's say like part time job or intern, I usually save those uh


save the money that I get from part-time jobs or intern cause, I don't think I have anything big to spend on at this point of my at uh this point in my life, , and


how do you ensure you meet your saving goals I think since I'm going to start work soon, I think it's very important to set aside a, fixed amount , to, to save and


maybe if you have plans like uh to buy a house or whatnot then, you need to adjust, how much you need to save per month accordingly


actually I feel like during this COVID period I spend less, because I I'm not going out or I'm not, ya I'm not going out and I, spend all my meals at home, so and to me if I don't go out I don't feel like


I need to buy clothes or, uh online shopping like that unless it's maybe like, , ya I I don't really spend I spend more on groceries I think I would say, uh in this cause well I'm like cooking more or like trying new recipes


but , ya so I feel like, , ya baking is expensive , ya, ya


ya so I think post COVID world what changes are you making, uh I think, I think ya I feel like, seeing seeing some people , because this COVID is very sudden right this COVID situation is very unexpected so a lot of people I think a lot


, of people they live paycheck to paycheck or rather they have very big commitments, that they need to pay and things like that, uh and then so the cash flow is not very like let's say if there's sudden stop sudden


like your income like let's say you lose your job so your income doesn't come in anymore, then , I think some people struggle very hard to make, the to fulfil their,


expense commitments, ya so I think maybe moving forward, I think uh, it's always good to have a, what is it called like , like a good


amount of savings to keep you going just in case like, I mean I don't know whether, such uh such a such a epidemic would happen again soon but , in case like, anything unexpected happens that you have something to fall back on


ya ya, ya , okay


okay , I think, it's uh, for okay let's say for me I don't know I feel like, okay cause now CPF contributions is like what twenty percent right, and


I think, seven seventeen, oh ya ya ya oh no eh, ah one or the other lah I think, ya uh actually I think it's


it's quite good, because I don't, like that twenty percent I don't need to spend it now or I don't need to, I don't need it urgently I think, it's good to go to a savings like the CPF ya


savings and let it like, , because I think the the interest rate is quite good for CPF, so I just let it uh accumulate, but I think how to like


how to how to say like, I understand why people may not like the idea because it's your money and your money is stuck there, and that you can't you know take up in use this money that you supposedly earned for


, but for now I think, , it's it's okay ya, ya and it's also good like cause it also go into like different accounts so like


medical and like whatnot, and ya, I think, I think ya I think it's a good


oh your house ya


you know some people think like like okay if people are cash strapped and then, this twenty percent to them is very important and then they don't want it ya


for now


I don't think there's anything wrong with owning a credit card as long as you are disciplined to pay, , pay pay the credit card bills at the end of the month, and I think it's also pretty good cause like I think credit card, have more benefits it gives you more benefits


like rebates or like miles that kind of thing , and sometimes they have better interest rate so like I think I mean now the interest rate are like dropping but previously, there are some like maybe DBS multiplier I think


like , if you spend ya, you you put your money in, from like, an how do I say, like uh, your salary goes in and then, you use the credit card and everything and then you get like


added interest, oh ya ya ya, on top of like things ya, , ya I think I think it's okay I think it's okay to own a credit card as long as you know that you can pay back


, and don't and, that you shouldn't keep, your credit card debt, snowballing, to the next months and ya


to spend ya


ya , ya, ya


uh let's see what question should we do, maybe question ten, financial independence retire early, actually I never


but its financial I think financial, ya, able to support yourself, and I think you're not, ya you're not reliant, on anyone for


all the financial needs I, ya maybe financial means like you don't like take debts


to or loans to finance yourself, , I think I think it's good to have financial independence I think everyone should if they can, , retire early uh, I don't


I mean I I I haven't even start working but uh I don't, , I think it's good if you are able to retire early if you have the financial capability but I think for, the sake of like the mind and everything so that you don't like bore yourself out I think if your mind and your body still capable you should still continue to


uh work, ya ya but , (mmhmm) ya I think there's a lot of, it's like !wah! very nice to retire early


but then I think after you retire it's like what do you do right, , ya uh how can one achieve, financial independence I think, the discipline, to save and also, maybe


finding out how you can, , multiply your money, how you can ya, how you can is that is that the term multiply your money, to ya grow your money ya grow your savings, ya


, ya slowly by slowly I think it's important to have like goals also, , ya realistic and like, specific goals that you want to meet, towards our financial independence


from three out of four, okay maybe we start with a lighter question


question two, what makes you stressed


okay ya I agree with you as well, uh, I think in general I feel like, uh, I think I don't know I feel like if friends told me they know that I don't get stressed very easily but I feel like sometimes maybe


it's cause I, how do I say, okay so I think I I never really, felt, because you know when you go through like secondary school


or, uh JC like I feel like, to me only, the O levels matter right or only the A levels matter, in that sense , as compared to let's say if I didn't do so well


for my , at mid year exam or that kind of thing, and but I think, the first time that I got like maybe really stressed, uh about academics was in uni, err


ya and I think uni because there are a lot of things to juggle, uh ya, like in my I think in my second year, I had like I like a a, a lot of commitments ah I had like, uh a lots of like those CCAs you know you want to join everything and then


ya and then your academic as well, and , maybe also the environment cause like being in like, accounting , or business business school tends to be more competitive


and uh, I guess towards and when when you have all these commitments and you don't keep up maybe with your academics, uh then towards like the exam period, then like elevate more stress


ya, ya


, I think okay because like when I, when I was in secondary school and like JC the the in between exams to me didn't really matter right because it doesn't technically affect


like my my O level cert you know that kind of thing , but like in uni every single like, tests or, project or quiz it adds up to your GPA, and then so ya I'm, I'm the kind of person that usually that will Chiong at the last minute


but ya but in uni there's there's not really a time to like, Chiong in that sense maybe you have one week study break and that's it, you know but like like in uni there's always like maybe june holidays then I got like one whole month to catch up you know that kind of thing


ya, versus like uni where it's very, uh ya ya, ya everything comes ya, ya so so I was very used, ya I was very used to


the previous kind of studying style, ya ya so uh , , ya ya I guess


or like even if there are tests that, there were tests it didn't matter as much, in a sense so maybe the the the the lack of, uh stress make me more productive I don't know you know


ya


I think they're about the same, , but JC that uh I feel like it's a lot more fun, because uni I feel like, I don't know , in JC you're more


ya in uni everybody is more focused on like their adulting and everything like that versus like JC you don't really have I mean you worry a little bit but it's not as big as compared to when you're in uni


people say it's ten times tougher


ya maybe for me I think uni because I'm taking something entirely new , like I didn't even know, a single thing about accounting right before even coming to this, course whereas, like, I've been trained from primary school to do math science


when you accounting so I'm like my brain was very wired in that sense I think so when I come to and accounting is very different, ya, for having our like math science, background I would say ya


so I think that transition was also very, stressful in that sense ya, ya ya ya okay, do you have a question do you want to


not maybe, maybe the do you have any question that you want to, maybe the third last question what do you often worry about


actually ya I also don't really worry a lot I would say, , I think maybe it's, uh, if anything I worry I worry about, how do I put it like


uh the happiness of my loved ones maybe, like I wouldn't want because I'm I , I I I derive happiness also from from their happiness and I don't think


maybe I worry ya, I worry that uh I won't have a good question if anything


what I worry


(ppo) ya in that sense


from two out of four, okay okay


!wah! best birthday present ah, , ya okay you can go first


uh okay I think to me uh, maybe, I actually enjoy like gifts when, my friends are, like uh those kind of you know the boards that


friends make and then they put like photos and like they write messages , ya I think I think I like that the most cause , it's ya cause it's like the effort that they put in and then it's like very nice you know


so I like I guess like maybe like handmade kind of gifts, ya that that, I like that I enjoy ya, ya


I think a perfect day, would be, maybe like I wake up at like ten AM and then , we go for actually I really enjoy like going to theme parks and


uh or like, ya or like Sentosa may be like, would go to like the Luge this kind of activities and then maybe, or will have like a picnic, uh oh ya, probably a picnic and then maybe


do some of those like activities, uh my friends or my family, ya and then ya, that's true maybe on a good like windy day


ya ya, ya


, maybe, uh, describe one of your most memorable travel experiences, okay maybe I can go first


I think I don't know if you call it a travel experience but I guess my exchange program, because I wasn't expecting to, uh, meet friends that I can really click with


like, uh international friends, uh because I see like when I see people go on exchange they usually hang out with the other singaporean people, uh, technically I went with, two singaporeans, ya


uh ya but usually I feel like people will meet like even the SMU or the NUS, students going to the same place so they usually hang out as a whole singapore gang, uh, ya but I was quite shocked that like I managed to meet and find people that


like, the whole group can really click with and that we, really like became very close and everything, and I think it's it's very fun to travel with friends that , that you really enjoy their company, and even though


uh, ya if not I think australia australia is really very chill when you want to travel right, so, uh we we spend a lot of time like, , just like jamming out in a car during like when we're like, you know travelling


from place to place when you're driving from place to place, uh so so you're in Melbourne right but we went to like Tasmania and we went to #gold coast#


ya we went out ya, I think if you want a really, chilled place, will be Tasmania it's like really chilled it's so chilled


oh ya ya ya I heard that too I I didn't know but ya, I wouldn't say it's very romantic it's just really, like there's nothing to do like as in there's no like city life all that kind of thing it's really like


uh, sort of, ya, ya there's like no shopping mall I think, , they have like that's why I also don't know where they buy clothes from but like food and every other things they have like


uh, it's not in the mall like grocery shops are not in the mall it's just it's a shop on its own, ya ya ya, ya if you want like a really chilled and it's very like nature naturey


ya


(mmhmm)


okay no that's nice, I think pizza I guess, ya


ya hawaiian pepperoni, , ya I I I don't mind with pineapple, (mmhmm) , team pineapple


might as well eat pepperoni


, (mmhmm) oh !wow! cheese tart, oh bread okay ya


cheese


you think what (mmhmm), okay, in the last question what did you used to hate ah, okay you want to share, okay, uh I used to hate like as a kid I used to


hate bubble tea like with pearls, like in primary school like, uh I think P five or P four when like the bubble tea, craze first started coming out, like


ya I used to I used to really not like the pearls and then I think maybe as a child I didn't like tea as well so it's just like (ugh), ya I I I drink the ice blend ya, ya only drank the ice blend and everyone is like oh my god


like milk tea so nice with pearls I love pearls I was like (ugh), ya not I I, ice blend is just like those strawberry icy it's that kind of thing lah


oh ya ya, , ya never like I mean I didn't like pearls as well as a child, , like just strawberry basic


ya strawberry ice or like, ya ya, and then I'll order it's like those rainbow jelly I don't know what it's called I think maybe it's just called rainbow jelly, ya something like that, ya or like maybe strawberry Oreo


uh I don't know ah I think


maybe uh, one day I just decided to try, now it's like oh it's actually not bad, I forgot either KOI or Gong Cha lah I forgot , ya ya ya


I like my my basic order is like green tea milk milk green tea with pearls green milk tea I mean, ya, I like the green tea !aiya! as a child (mmhmm)


uh, maybe KOI I guess I never really drink Gong Cha anymore cause after, ya, ya I think last time I used to like their pearls but I don't know about now


ah Gong Cha oh ya


ya I don't really know what Gong Cha taste like anymore cause, I don't see it around, I mean I don't live near one lah, ya I don't live near one how about you


oh okay ya


(hmm)


ya , ya I think as a kid you don't care, ya, different priorities


ya I don't know think (ppl) no (ppl) maybe, ya you go N_T_U_C buy one bottle water that's it


I think uh I also have a StanChart jump start actually cause I think like it's quite common knowledge that uh they're they were actually giving the best interest rate right, two percent per annum but I think with effect from july which is this month onwards ah they nerved it to one percent already lah


then other than that I actually have three other savings accounts so the first one is the damn uh starting account which is the POSBE savings you know when when you are kid then you actually open that account so


that is not a very ideal account I'm actually I'm not too sure why I still keep it lah but it gives like zero point zero five percent only , , then (ppc), ya ya I mean I'm just keeping like the bare minimum in there I don't know why lah but ya I'm just keeping the account cause it's always been there


then I open DBS multiplier when I started working so initially their rates ah actually not bad then it got overtaken by OCBC then I I still stuck with it lah but recently again this just just last week, they nerve their uh interest rates as well


ya you saw the article as well right ya so now it, , so now right it is like only I think one one one point six percent for one transaction and two percent for two transaction but for me I only use one transaction lah cause I only have their credit card I don't have like insurance with them I also don't invest with them so


it's not very worth it but got to still stick with you of course , it is not cause no eh no it doesn't ya that's why, UOB one


recently also change eh, eh ya but I I didn't really see what what's the interest rate ah at UOB, [orh]


okay so you are you actually hit hit the max, (ppc) , oh okay !wah!


, okay okay I need to check check on that cause, like , I don't know eh I have never considered UOB ah cause of the fact that they are so little ATM , ya lah


DBS ya ya ya the queue is like super long ya okay ah I'll I'll I'll go and check but I feel a bit, ya ya is the three six five ya that's that that's not comparable already lah I I like I'd rather stay at DBS if if ya lor if I'm not jumping over to UOB


ya then the last one I had was Singlife hor did did you actually open Singlife ah


okay, the dollar cost averaging is it, thingy oh okay okay


(mmhmm), okay okay that one is under robo advisor is it


but it is it like like a uh uh a robo advisor kind of thing like you just actually put how much in a month then then they will actually just you know, oh okay okay


oh okay okay ya ya that that actually constitute to another transaction eh actually ya ya cause it's under investment mah,


if it's two transaction is two percent [orh], so if you are if you are hitting max at UOB then you can stay at UOB lah you can actually go their website leh


I think there is salary crediting they have different uh different tiers it will be a different percentage so the more salary is credited in UOB actually you know different different salary range I mean the different


ya correct so, you can actually go their website and check that is damn straightforward like you just have to key in like you know what's your salary right and like how many credibles you have they automatically compute like how much percent you can get so it's very easy you don't have to own self look at a table and like figure it out


uh no need but credit card would count as one transaction and for them there's no minimum spending so even if your credit card you just use it like one dollar right is considered as one transaction already


can can I I think they have [bah], any DBS or POSB card it's considered one credit card one like it's considered one category already,


can go and compare lor but I feel that if you can actually hit max at UOB shouldn't be that bad, [bah] ya unless have the minimum right


but actually usually right I mean, !walao!, one hack that I I've learnt from my colleagues is right whenever we go out for team lunch all those right they just offer to pay for their , , they are like eh eh let me hit the minimum spending


ya ya but the difficult part is you have to like like collect collect the the money back ya ya, ya correct yups, that's that's I think that's that's all lor that I have to share for for all the savings accounts that I have


, but for your , actually all along I've been using debit leh, like, actually (hmm)


okay for for transportation I use debit cause previously I was actually using bank of china credit card, so I can't edit into my apple pay ya so whenever like uh I'm like using apple pay those kind then it it wouldn't be it ya it will be under debit lor the standard bank account debit card then recently I just changed so


ya, rewards right (ppc) , your your credit card is what what what kind of card


okay same lor same ya same same, ya I agree I agree


ya and I feel that like miles I mean usually people go for miles right is let's say if they really want to experience like business class or or or first class like the one time in their life which I think like I mean I can live without that lah , ya and like like you said lor like


you you there's actually a timeline for you to actually redeem the points and you have to really spend a lot to to even get the miles, with


oh is it so that's that's via points is is you use your points to buy the miles, !huh!, okay okay


okay I I I get what you mean okay okay but I'm but I'm really never research in uh into this area cause that's ya that's not what I want like I think, ya like my colleague he he actually use his miles lah to travel like business class that kind so !wah! is damn intense like he will share like her whole excel chart how he actually plan the miles


like you know uh let's say if he want to buy a big ticket item then he will actually use what card that kind of stuff !wah! I mean too much brain eh


kind of transaction that you want to do right ya I think is is is too intense for me is like just give me some rebate like I'm happy ,


like you don't have to do anything lor basically like they will just auto credit what you don't have to do anything about it, but your current, card, (mmhmm), no I just want to know like your current card what kind of cashback or what kind of rebate there is


, (mmhmm), , , okay uh


same actually like, I I don't even count whether it's correct, ya I will just take it


I mean I got check lah those I definitely will check I I will check like what I spend on I will check what I spend on ya ya ya cause I I also heard like it's like those iTunes then like two dollars that kind right ya


oh okay ya so far so far all's good so far all's good , actually hor I saw I I saw a very interesting question you know they they they they ask right do you think that uh couple should combine their finances and open a joint account what what do you think


okay , okay okay when oh, oh ya is it ya okay so you are just waiting for when things are hundred percent solidified


, , oh my god that's so scary ,


!wow! ya ya , ya what what do you mean this my account


, , ya, shag man is it the boyfriend not much money ,


ah ya sia , but like is there any difference between like joint accounts and normal accounts


oh you haven't research yet,


I think so I feel that is more ya it's more towards like having common saving goes in for convenience rather than actually I don't know lah I don't know I try to picture like like like how is it like cause like if let's say you want to make any changes to the account whatsoever it's damn troublesome eh it's like both parties have to be present


ya but it's easier if you all are like, like really getting things for a household lah like if you are like buying furniture that kind then can just easily take out from there


, okay next next


the next question at what age do you think that a child should be given an ATM card, ,


!wah! as early as possible okay so if let's say if there's a situation where you're going to have a kid when do you think is a right right timing like primary, school secondary school sec two


how do you derive at sec two, , so random it's like sec two, , ,


okay , okay fair enough I I I was thinking sec one ah, similar to what you said but I feel that you know like primary school I'll still consider them then too young I don't know lah I'm just extrapolating from my own experience like primary school I also don't really go out much like like my money can spend on where so it's only like when secondary school starts that like


like , like you go out more that kind of stuff like you'll have more expenses and that's when they will learn how to manage their money also lah so I I I was just thinking actually sec one would be okay they should be independent enough already it's like one stage has passed you pass PSLE


ya but I think we are quite similar on this hor secondary school lor,


!wah! I I think this is really up to your own risk appetite eh like you know a lot of people say oh you have to you got to have at least six months worth of your salary in your bank you know as like emergency funds


but it also depends on how much you're drawing and also like how much your comfort level is to have liquid funds what like let's say if you are not so assured then you have to have more in emergency funds for like maybe like like ten months or something then the rest you can invest it or something lah


so it's up to your own but I don't think you should put like really whole thing in the bank is like rotting unless you are you are really like damn freaking scared lah I don't know , like I guess you can afford to try try to use a portion to invest a little


like like ya, ya that's that's my personal opinion


, your money just stuck there [orh] ya ya you are losing money


so , I think both of us agree lah that, that that ultimately it's still depends on on what situation you are actually uh in like at at the point of your life whether you can actually you know afford to be slightly riskier in it


or you know or or to be more conservative and it it also uh and one important thing is also still diversification lah like no matter how conservative you are it would still be the best to you know put your money in different baskets rather than everything solely in the bank


prompt three out of four , okay let us think about what is


!wah! oh my god this is so sad okay okay , okay, then end it off positive right okay okay serious okay okay !wah! something that I can relate very deeply


uh , describe a time where you felt trapped or helpless


(mmhmm)


how young were you when that happened, (ppc) , so it's like add additional stress for you like that that's really two main things that's at the top of your mind


, , okay then but I wanted to continue the conversation


, but I mean I'm just thinking like like don't you find, interesting the fact that they actually still told you that like, like, your mom has cancer but they didn't tell you so much, like from a adult point of view they will always feel that like it is better for you like you know just to know a bit but you know avoid to you know scare you too much but actually it's worse cause you you don't know what's like the direct implications you know or what is actually happening that kind of thing


cause I mean for me I I I I can relate to you in a certain way not so much trap or helpless but rather, like, just clueless or just like very lost like same thing like like when my dad was actually diagnosed with cancer right


and like my my family they're always the you know everything just like like don't tell don't tell like like you know these are adult matters the kids shouldn't know they're kids you know even if the kids know they also cannot do anything that kind of stuff , so is like like I really don't know anything except that you know I know that it's cancer


uh it's only at a much later stage that I even know what cancer it is and like you know uh uh I don't even know what stage until when I actually accompanied my dad to the doctor cause my mum not free then like oh oh it's stage three then I'm like uh the <EX2>fuck</EX2> like like when I watch the show isn't stage three the most Jialat kind of thing


ya so like you will just feel damn damn confused lor like like what am I supposed to do like how how can I you know should I be like , ya ya ya so I guess when you actually shared that uh I could kind of relate to it cause that's why I help but what I felt but not really trapped lah it's just like lost hor like like I really don't know what is expected of me and I don't know what's going to happen next ya


yes eh yes, ya cause, I mean for me it happen not very long ago so I already have like my own opinions you know of how communication should be that kind of stuff so


like, ya lor when when there's this all this like beholding of information then I got no in peace lah like like how I'm already like over twenty years old I think you know I can be more involved in this like if I can't like provide any monetary support or whatever then let me at least you know be there physically and emotionally


lah which you know ya which I I don't I don't really think that ya lor I was really given a very, opportunity to do so


ya , it's a very like like ya lor they will just shelter you like they will still treat you like like you are you are you are still a a young kid ya that's not able to you know help it's very asian drama you know those kind where the male lead like oh you know uh I won't let her know I'll sacrifice myself ya ya


I think very outdated lor ya, they will dismiss lah they'll still feel that like no I do this because of this you should listen to me that usually kind of the response


, okay , one more topic okay what what do you often worry about I think this one is quite easy cause it's quite generic, right


, (mmhmm)


(ppc) , I I agree I agree


, for me, right I think I, I always worry whether like what will I make out of my life ah


ya like I just find uh feel very ya lor I just feel very lost lah like like like for example now like where how where else can my career go to like like what what kind, what can what, can I do next then


ya ya, ya but the the ironic thing is like I'm too Humji like I'm very scared like I'm a very , law by law book by book lah if there is a guide to life right I'll follow it to the T chapter one you have to do what chapter two you have to do what which actually this is this has been what I mean this is what we have been doing what right


primary school then secondary school then uni then uni then work already what right then it's like but now it's like work then like like my head is just like now what , there's like a super big question mark that I feel that there's a lot of things that I haven't done but at the same time I'm very scared to do also


ya, so , !wah!, she knew what important jewelry, ya like okay I I really feel that there's nothing going for me ah to be very honest


ya, I will feel very stagnant and I feel very lost and I feel like nothing much make like nothing much makes me happy , ya ya it's like, what aspects in life is there so there's like work


there is like very there's like relationship that's how I see it like three areas and self lah okay self so my work is like oh my god like like time to go , then family is just normal lor ya I think as as it is then what else did I say ah relationship is like nothing then


my my own self ya my own self also I I don't, know eh, eh I feel like you know I'm like very unfit very unhealthy now which like I've been procrastinating to do something about it also so ya some I worry a lot a a lot of things like at once all at once like like very very stretched lor ya


ya ya ya


, I I I can relate I can relate, I, read something I, I I read, read something that , like, they they say that it's important to just live in a moment lor ya like whatever little things that is actually able to make you happy uh uh then just take it as it is lah little joys rather than like


ya lor looking at like you know your very far out goal then like be unhappy about it accept like really small small little goals lor, that will actually make you you know a little bit happy, then like like you know a little bit happy then or at sometime maybe you will you will be like you know when you look back you'll be like oh okay actually it it has been quite a fulfilled life


ya ya !wah! but it in theory is like that but it's damn hard to, to, ya, oh my god it's so depressing


, okay shall we do one last question since we have seven minutes left


!wah! okay !walao! okay what makes you stressed, uh what, holds you back


okay maybe I can I can share so, like what holds me back, from my goal what's the biggest thing this for me is fear ah it's quite straightforward, ya, like I'm always scared to make mistakes, like I


like wherever I do anything right I will actually heavily consider the , , repercussions or the consequence possible consequences and like even though you know like when you do something there's always like a good outcome and bad outcome right like I'll always automatically assume like the the the bad shit is going to happen


and it always stop me [orh] like from from doing from doing things, cause I'll feel like like, , ya super scared lah


like like this this the reason I I haven't been doing very like aggressive, like investment eh I haven't been eh, like I, I keep telling myself I want to start but I haven't start yet ya, ya like all this I mean


is only recently then then I I actually decided to you know keep myself financially literate and that's when I I I started, to like you know uh really find out like you know what what what kind of interest rates that kind of stuff and do my own comparison work, but ya like even when I actually first open like like the DBS multiplier it took me damn long eh cause like I don't know I just damn scared ah like uh what if I change already then you know uh uh I don't I don't even know what's stopping me I just like like very averse


to changes ya so I I guess that that actually that's the biggest thing that holds me back from not only just my goal but like what whatever ya it's fear


(mmhmm)


oh my god, ya ya ya ya I I think ya, I think it's quite similar lor ya like I we're basically over thinkers lah and we will ya we will focus on the the the bad side lor the possible like you know what if this doesn't turn well what if I fail then you'll rather


be seen as like oh actually I didn't even try so actually I didn't lose anything like if I try maybe I would have but I didn't that kind of thing, have to be more thick skin I guess like don't don't be scared of failing lor


, , , , the with change comes growth is all the quotes that you read right , oh


my god I agree same, , actually my my friend just taught me something she taught me like like she say I can try it out basically right if you want to do something and you are actually like putting off it or you're procrastinating like you just count make your own internal countdown so you count down five seconds and you just do it


it's like to mentally like mentally prep you, shit leh that's what I thought also eh joy and uh pain,


okay lah I think for small for small decisions, not not not not like the very big decision like you know uh should I migrate to india right now that kind , !wah! ya ya ya ya


small decision okay small decisions like those mini decision that you you know put yourself cause even for me right when it comes to like ya lor like little things I'll also, think a lot eh I always think like worry ya, ya ya


I I tell you actually a very key perfect example for this is you know right we are meeting for <P2>chrissie</P2> 's birthday right I actually thought for, couple of days whether I can go or not


ya I scared ya, ya but I don't know ah, , I okay lor


no lah I I think I think I'm I'm okay I'm okay, ya it's quite short lah so ya lor so it this ya I'm okay I'm okay I really made a decision after a few days of thinking that that I can proceed but ya the


!huh! I'll really think leh like, oh my god like what if we go together like what food are we eating like probably share food if we share food then you know like like it's not very hygienic sanitary ya then it you know if I go out I also got got think lah like you know how long it takes me to travel there like how many hours I'll be out


then I also think like oh my god what if I really like Kena then like oh my god like how will my life, change that kind of stuff so I'll like that that's the time I worry , ya then I'll think also like oh my god like you know, ya okay ya let's keep it at there


!yay! (ppl)


prompt two out of four, okay , so


!wah! this is, a very very tough question eh oh my god what is the best, ah !wah! oh my gosh


!wah! this is so tough what is the best like suddenly you're asking me to throw back and like think about the past twenty over years like what have I received , , what is the best oh my gosh, (hmm) I mean


off the top of my mind right I only can think of my soft toy , such such a stupid answer , okay so like uh uh previously I was like hanging out with my friend then we are like walking past the craftholic store so I was like oh my god cause at that point of time I have like two craftholic already then I'm like oh my god


I like very cute and it's like cause it's like the, medium size one so it's like very nice to hug like I can replace it as my bolster you know hug it to sleep then I I didn't think of anything cause that was, that wasn't even near remotely near my birthday, then for my birthday my friend actually bought me eh so she actually remembered leh


eh so I I felt that, it's not only about ya ya so it's not not only about the the the toy although I really like it and the colour is very nice very cute but it's also like like the fact that !wah! you remember hor


cause to be very frank, right if it is me I'm not confident ah that I'm able to remember ya and like in a pre-planned, ya


correct so I I guess off uh off the top my mind that probably is the best , ya but what about you


we could hide, ,


ya, really, really ah okay, yes ah , oh


yes accomplish, even though even though it was like a mess we we we like, like panic like oh my god how how you know, normally how we plan , uh


, okay !yay! it's us, but ya I agree lah it is more towards the effort, lor and the thought, ya,


, ya, but but there is a catch ya if right now right someone were to give me like a, house for my birthday right without much thought right !wah! I will still take it ah I think it might be the best ah


, (mmhmm) , what what the , oh my god okay that's like a very


ya okay that that's very bougie lor that is really very out out of out out of my my life I cannot relate,


K next question my turn what is your biggest blessing in disguise, or or you can choose any other question lah you want to answer if that's too tough


(mmhmm) ,


it is it is, ya, actually what what made you trust her at that point also cause at that point she was like a stranger what to you


, !wah! oh my gosh I I could never


I I'll say it's okay ya ya, cause you know , you know last last year I went to vietnam as well so, , correct correct even with my cousin there were still people trying to scam us leh


like like there was this lady that actually approach like cause we were actually on GPS we're trying to find the train street which is at I think at Hanoi it was this damn famous mini alley where the train will actually go past ya so everybody, ya ya so everyone will take a photo there so like we're on our GPS we were actually in that area already but we just can't find exactly that street so there's this lady that just came up and like like did this to us then I'm just like


like do you even know what I'm looking for that kind of stuff then I'm just like uh dodgy dodgy but like like, I don't initially we actually followed her cause we felt like no harm like there were like four five five of us like that then we walk halfway right then it just feel a bit weird cause she never ask us anything she never say anything she just then we just like like follow and she didn't even turn behind eh


and and and, and I mean she did turn behind she just like check whether we are still following her that kind !wow! that was so shady, oh my gosh ya ya so I I didn't know what made you you know ,


but I think really quite interesting eh that she came and visit you and in the end like you are friends,


so previously when you're there you you were also like interacting with the daughter , okay okay that's quite cool , ya it's like you're really friends with like a native a local ya ya but interesting I don't know how you'll like connect since I think communication should be a a slight problem right


oh , oh okay okay okay,


okay that's cool this, please don't ask me the same question , I don't know, oh my gosh what (hmm)


this is so tough I have really no idea biggest blessing in disguise that's assuming that I'm in a bad position (hmm), I okay I guess


I guess joining uni [bah] I guess like cause initially NTU site is not like my first choice like every other , susceptible young kid that just finish A levels I always have this mindset like oh my god I want to go NUS cause it's like you know NUS


that kind of stuff, ya so of course I applied to what's that called ah FASS is like, FASS of course I didn't get in lah , damn sad, I tell you you know cause I saw the the the the letter from them then I'm like oh my god like it is my turn to join then they said oh actually we will like to offer you science instead I'm like what


the hell ya so, but I think I don't know eh I feel that everything actually panned out nicely and the way it is like there's there's no regrets hor I feel that like, I, I was where I was meant to be like to to meet y'all to like uh experience what I had experienced in hall that kind of stuff so


I, guess ya I guess that would be considered, like, uh a blessing in disguise, considered how devastated I was receiving the stupid science letter , ,


obviously not science eh it's like once I open the letter I see science, I just imagine myself with like all the test tube I don't know what I'm doing , ya ya , , what I'm going to do in that course so I


so ya obviously not ya and it is and it's just quite gangster actually if I think think about it right I am damn lucky I got into this course cause, at that point of time I was like damn stupid when I did my uni applications cause usually uni applications they will write something like indicate your top five choices or top ten choices something like that and it is is it school


I can't remember is school by school but basically I did not even maximize my choice eh I I I don't know what I was thinking I was like so damn confident I'll get into uni oh ya we damn stupid so I basically I just wrote for example for NTU right I just wrote first choice NTU site


then the rest right I try to be funny sia I put like NTU accountancy and business NTU accountancy NTU business uh NTU medicine that kind of stuff when obviously I cannot get in then for NUS I also I put, NUS FASS then the rest is like uh NUS uh what is it ah it it I can't remember but it's just all the damn elite courses like


, but were you like damn confident that you you're going to get it I guess so right cause because of your GPA


why oh okay okay that's true the possibilities, ya


but ya lor I I guess I was that lucky cause I I frankly speaking I don't think my A level results were fantastic I think it's really like you know just nice I can enter the course based on last year's results but I don't know this year how is it going to be so !wah! damn lucky I could have been ended up in like any other science


, , , aha neither can I yup , yes eh I would eh like it was something that I was very certain like since secondary school I know that when I go uni I want to study that


more related right , ya ya maybe shouldn't have study hor diploma just kind of work already maybe I'll be damn rich now, ya ya ya


damn it I could have been like some top consultant now , , ya, (ppc)


ya agree agree and they actually earn much more compared to a degree holder also because of, same , same same same


oh well I I'd like to think that uh no matter what lah like maybe if if we don't even like further our study we will not even get a job kind of thing I think it that way ,


okay where where where is it oh okay , !wah! this so tough also eh you you can share , food food is within your


they feel like shit okay, so even if you consider that your stomach will very bloated after that


you will still do it no matter what you'll still you'll still eat okay, ya but actually got regret , , how I I I guess it's difficult for me cause my comfort food actually varies eh I don't have like a specific like comfort comfort food


ya , ha, really it varies eh


oh my god basically I'm lazy lah , , okay instant noodle yes ya, so, eh it really fit my mood one eh like you know uh I have a lot of random cravings like like all the time and like sometimes I have cravings that I don't know what I'm craving for also so I have to trial and error like I will eat potato chips then I realise that eh shit actually I'm not craving for potatoes chip then I'll be like still unsatisfied then have to like


eat something else eat cake already then like still unsatisfied then I don't understand what's my body doing like what you want ya so ya so is damn confusing like, I I can like you know uh crave for like chips uh ice cream cake uh biscuit ya anything that is either very salty or very sweet ya


oh my god ya ya, ya , you make me learn something about myself , ya ya ya I'm I'm quite I'm quite <mandarin>重重口味:zhong zhong kou wei</mandarin> I guess, ya is like more mah


I think you hang a bit hello yup you're saying like <mandarin>麻辣:ma la</mandarin> like that right ya correct like the more <mandarin>麻:ma</mandarin> is it like !wah! !wah! the feeling is just like !whoa! I like it


ya, I think rarely there will be people that crave for healthy thing, no no no okay


salad, I think salad is still okay but, for salad, is it like the daily cut salad or it's really like salad, cause daily cut salad is still okay


, actually oat would nice leh I like but I can't eat it alone I'll eat it with fruits then is nice , eh cannot cannot cannot oh my god I be like eating oats and it's like !wah! ya


, ya yummy eh oh yomie is it, !wah! actually I don't know sia


but I know I, ya ya it's good hor it's good but actually I I wish that, they could sell it half the size like a mini one cause I feel that is very filling ya which I don't want I want it to be a dessert like how it should be


oh , but there's no like chewy chewy stuff inside lah


okay okay next time when we are there then we can try it's so like out of the way I won't go to Funan like


kind [orh], of course lah but I don't know eh I I wouldn't go there like like when I'm at work, ya cause I still have to take like one stop MRT


if only it's near my house , oh I didn't know , orchard central


oh okay okay okay ya ya ya, , ya ya


ya popular I mean it it ya if I go there for meetings then then it's near lah I can go and get, I don't know I thought, Funan was the only outlet that they have,


okay okay orchard central is so so, (mmhmm) I I know I know I saw you going to go meh , ya same ya I also


(ppl) (ppb) yes (ppl)


prompt one, ya


okay so, basically right now I have uh two type of savings account one is the, stan chart jump start, then another one is UOB one account, ya


ya the interest rate not fantastic right


interest rate ah, ya ya actually , , never mind you go on


eh but if let's say you credit your salary in, does that count counted as one criteria, oh then you should come to UOB one lor


ya they also revise correct correct ya, ya, initially it was three point six eight lah if you fulfill every single thing but then now it's like the highest you can get is two point five, ya ya


other criteria I think it's a bit more like you need credit your is either you credit your salary you pay three giro transaction, or whether you spend five hundred dollars every month, ya but it's I think it's, uber like your travel you can


to like your insurance payment that kind of thing


okay lah and we know the ATM line, not, the queue not long mah not like your typical POSB that kind ya ya ya, eh ya lor uh, OCBC is the three six five one is it or what


oh okay okay, , ,


no in the end I didn't cause, in the end I uh, focus a bit more on the STI ah there's this like, there's this thingy that is DBS one lah but then they sort of like


like, imitate the, I don't know what's that call of, the, uh it's like they they they imitate the STI it's called like Nikko Asset Management ya ya so they replicate as closely as possible to the Straits Times Index so I I did that one instead of the


sing Singlife ah, (mmhmm), under what no it's under DBS one, I think ah


is is like is what they call uh regular saving plans under DBS, so like it's in the you know your DBS app right or your POSB app then under investment portion, they have this,


oh is it oh, so should I should I, eh your DBS is how many percentage again your interest rate


eh then okay eh, , but is any mean there's is there like a minimum sum, in the bank before I can hit two percent or doesn't matter


oh, but do you need to have a credit card with them


oh but their credit card is what got you can choose lah for cashback or miles is it eh do they have miles


but then no is like motivating me to spend money cause, I need the ya every every month leh very tall actually, if like some some, sometimes I like I need to keep track


then we pay first lah oh , , oh ya hor oh ya hor, true true true, #tau huay# the the money right ya must take back the money


for you do you usually use credit card or debit card


, normally people will go for credit card cause of the


cashback my one is cashback function, ya, cashback more worth it leh I feel because, miles card right, it will expire unless you are like Citi Citi Citi one then the points won't expire ya then you see now COVID situation you don't even know when can use your miles eh


, ya ya ya no but there's a trick you know like you can buy miles points


sometimes it might be more worth it than you spending to get the miles, ya ya ya ya ya ya ya, no you use, money to buy points, but if you calculate right it might be more worth it


than you use your transactions to buy points you get what I mean, ya ya ya ya ya ya lor , like is another another world


ya ya ya my friend has like a Excel sheet, of which card can give the most you know like, what, what card should you use for which, ya something like that lah to earn the most points however shit , ya lor


ya same like I would rather have like a brainless, choice like straightforward ah straightforward, choice correct ya then ya ya you are saying


actually I also not very sure, but like every month I will receive like UOB bonus like interest bonus or whatever shit then after that uh will have certain cashback, then I'm just like oh bonus then I'm like happy like I, never go and like read too much into it you know


!aiya! I very I very simple one like okay ah, have then have that kind ya ya, but actually we should because nowadays those like scammers they quite they are quite good


like they don't scam you for big amount they just like a little bit little bit, ya ya ya ya ya correct correct ya


ya or like grab that kind like !huh! like !wah! like that also can because they won't alert you if it's too too small of an amount


is a banker right so definitely he will have such conversation with me, but we feel the eh we haven't we haven't, uh have a joint account yet but we are looking to have one soon


, maybe before marriage like maybe like after proposal that kind lah, ya correct cause like some, of our couple friends they do right then they break up then very complicated, you know ,


like really like ya ya ya ya ya, correct correct ya, ya so for now we just save on our own lah every month we will have a, a a goal lah to save X amount of money ya for the future and stuff like that ya


eh legit no so I have one friend like I don't know she's smart or the boyfriend like not so smart like so they open joint account right then she managed to convince him put her name only, you get what I mean , if shit gets ugly then you know


ya ya ya that was like then, what is really is her account what is not a joint account you know, ya, no the boyfriend is like regular eh


ya so we like we also don't know then we just feel that she's very smart, like to protect herself and stuff like that ya lor I don't think so ya I'm not too sure eh about it ya ya lor


I think maybe joint account is for convenience sake ah like pay [orh] don't need to like you know, like all have like a common saving goals


, correct correct, so it's like a like a joint effort


to me ah I feel, as early as possible so that they know the importance of managing their finances, maybe sec sec two no like because sec sec one is like


like they just you know new environment and all, then, I don't know leh, like like the mid lah the mid of secondary school period ya you


, true true ya okay, how about the last one, about you know


the bank interest rate like would you rather save your money in a bank or will you invest it somewhere else


for me I also I agree with you like I feel, that diversification is the key lah like you like you cannot just dump everything in a bank or everything investment like you need to have some you need to keep some cash for liquidity like like what you say lah like immediate needs or like


some emergency stuff, but then if you keep too much also not too good because in the long run, like you know ya, inflation and stuff like that ya lor but I think, ya correct but


I think also like at the end of day really depends on, like where you are at at, know your current life stage lah, like for example there's just, say maybe next year or two years in time I want to get married then of course I need the cash mah


you know to, purchase all these things or like house renovation, then I need to have a larger amount of cash, rather than putting it in investments, ya so quite


depends on really depends on individual life stages and lifestyle I I guess


oh so sad actually should have started off with negative experience first then positive


I think for this one is when I found out that, when I was much younger I found out that my mum, has like some cancer , then I was quite young so I didn't know what to, or how to make her feel better and at that point I think they also don't want to


to like, worry me so they didn't pit me with a lot of information but which is worse, cause I you know think think, expecting the worst so I was really quite helpless in a way like


what should I do what can I do and what will happen to my mom, and like you know what if, I lose her now you know that kind of thing, because all I have is my imaginations from what I see in the movies, ya so that point was really quite helpless for me ya uh I think was


oh I remember I was primary six because it was like nearing my PSLE, ya, correct so I think from their perspective they don't want to tell me also because they want me to focus


on , my PSLE but ya didn't help lah


like what should I do now you know


do you feel a bit like, frustrated also like why they didn't tell you the full story from the beginning


a huge part of, our parents', parenting style is still, very much conservative you know like , they think they are doing the best for you but they never communicate with us


like, is this really the best for you but they just think that yes this is the best for my kid so I'm just going to do it, you know so ya right ya yes ya ya like must protect her


oh my god, ya and then and I think the wors part is when you try to tell them they don't take the feedback they feel like ya, saying that they are not good enough, but that's not the case ya !hais! true ya what do I often worry about ah


actually most of the time I worry, about, whether or not I'm able to provide for my parents, like financially, they'll the day they they pass, on like cause I'm the only child, so a huge part of


that responsibility lies on me but of course, I mean when I talk to, uh my boyfriend about it right he have a very different point of view he will think that, as parents you shouldn't expect anything from a child


so they should be financially independent themselves, but to me is different so a lot of times, I worry about this and that's also a huge part of my motivation, to be in sales drop I mean I don't like the


actually sales drop after a while it gets, quite tiring but, that means this is something that, it's always on my mind so ya want to , be able to do that lah, and also for myself you know to be financially stable as


much as I don't want to be superficial but money is really quite


is it you want like a fulfilled life


at at this point of your life I mean how would you rate your own fulfillment


do you feel you feel stagnant is it


sometimes you feels like there's nothing much, that we can , do like like I feel like we are, stuck in this like, race that we don't know what's the end goal you know, and ya quite quite


frustrating in a way ah, like, when me when I'm still studying right I envisioned my life to be like !wah!, you know by this age I will achieve this thing you know by this I will do that but, no, way I'm still very far away from whatever I envision myself to be doing and


ya sometimes quite, a a bit depressing in a way you know


I I guess we were, I hope, we will eventually get there !huh!, sad oh my god , ya okay ya what


I think we can combine, what makes you stress and what's the biggest thing holding you back from your goal


that means do you consider yourself as like a non risk taker then


actually for me is also fear, but but for me is more of, fear of not being able to, part is oh fear of not having what it takes ah for me to get there, ya like


I have this fear built up because like, I think also mainly cause of, my , parents in a way like cause they expect quite a bit from me then I always feel like I cannot meet that expectation so I rather not try, you know that kind of feeling


ya like I want to try but maybe not, ya there's a lot of maybe not, you know like ya like before I take the step I, considered a lot of different things, before I really like , I really calculate all the different


possible consequences before I, ya then by the time sometimes by the time I really want to take the step right the opportunity is gone


no there's like always this two different, train of thought is like you only live once just do but, you know, like resistance very strong like I don't want to like I'm comfortable now so why should I change you know


then there's another then another one is like with change come growth, like !wah!, very <mandarin>乱:luan</mandarin> very you know very confuse, are you serious , ya like always on my wallpaper and shit right but then like (ugh)


no movement from my end, ya so , it's like something like I think, we need to consciously work on it like if you leave it to your subconscious will never, happen one ya doesn't make sense


what if it's a impulsive decision then you just count five second and then you do it you will still get, screwed right the five second doesn't, make any difference


oh, if like should I quit oh five second five four three two one I quit cannot right like doesn't make sense, ya same same ya ya same same because of the gathering the social contact ah ya I thought initially we said we want to do like a offline thing how


I mean if you want to voice out I think should, do it soon , but actually if you think about it is, a few hours because, celine have to go at five, and we'll reach there about one so ya so


what is your like considering factors


one thing will lead to another, okay good


okay <P2>si long</P2> what's your best birthday present and why


why why your soft toy


, because it's like a insignificant comment that kind ah like just a passing, okay interesting


mine ah actually I I also I mean when I ask you the question I also I was thinking on my end really quite difficult, I feel sometimes is not about the present you know like the gift, but more of the celebration ah so


what I can think of is you know that time before I go exchange, then you guys surprised me at my house, for like a super advance birthday celebration, remember , is like very unexpected and I thought I was quite, quite sad


ya I was quite sad that , like I'm going to spend my birthday alone in exchange, but, ya so when I saw you'll I was like very surprised and touched ah, ya I was like !wah! ya legit legit


ya ya ya , , ya then my mum keep calling me some more I remember, that they ya so ya correct


that like the thought behind it right, it's not so much of the gift itself but the thought and, ya effort that , we put behind the gift


oh ya lah eh you know you know recently I saw one of my friend, the boyfriend bought her a car for birthday, I was like, eh and it's not a normal car it's like a mini cooper eh, that's damn ex then I'm like !wow! I I would


never thought like oh like you know buy you a car for birthday, big present I'm like !huh!, what ya like, like we can just observe and like okay


!huh! okay


can can no problem, I think oh, is like you know that time I solo trip to vietnam, ya then I was lost, ya then I met this vietnamese mum what, so she was very friendly and stuff like that then she spoke you know basic english


that was really nice because I was alone then she brought me out for like a day trip and invite me to her house that kind of thing and up till today we still keep in touch lah like the time when she came singapore then I did the same for her, ya I think, ya lor it's like if I were I didn't get lost I didn't go solo trip I wouldn't have


gained a new friendship in a way I guess, cause, quite scary to be honest to be lost in a foreign country that they cannot speak you know english or , ya so ya that's something ya actually


correct so when I told my mum she was like no no no do not go with her like do not do not proceed, like what if you know it's just a scam then she's going to sell away something like that but, I don't know I think at that point I just, followed my instincts eh, ya ya


really ah so if you are lost and then this person approach you what will you do, really you would rather be lost


oh with cafes at the side one is it


some more mine was at #ho chi minh# is like is like the city city area you know, , don't know leh I I also didn't I didn't think so much at that point of time I just thought okay she look nice then I just like, okay ya so ya correct correct


she brought her daughter along as well


, ya ya but because, she knows basic english, so it still alright we can still have like conversation just that when I talk to her I need to speak a bit slower


ya so, so it's still not that bad like, you know ya how about yours , I'm going to ask you the same question


did you consider even going for, , then the lab coat and shit


confident


eh actually me too eh in fact I only put one choice, for both NUS and NTU, uh quite I got, two I got two but I I chose NTU


because of the direct honors ya, sometimes I I would think back like what if I chose NUS back then you know, but okay NTU turns out well also


I I cannot imagine you in science though, , but if let's say you were to go back again will you still choose


because both of our job now, ya you you get what I really mean, , because our job don't need our job don't need a degree,


ya we could have earn so much more money eh you know , if you start early like all those people you see like, our colleagues that didn't go through degree, they're what like senior con already ya ya


sometimes it just make me wonder ah like (hmm), I study so hard during uni for what


ya maybe, maybe maybe maybe ya okay, let's pick a easy one what is your, comfort food !huh!


comfort food my one is like mcdonald's or anything high in fat, or like fried, eh it ya very Shiok what I I I mean I feel very happy I'll be like, okay but after that because my stomach is quite weak, yes other


after that my stomach will be very bloated then I'll be I'll be like regretting my choices


at that point of time lah at that point of time you know like no regrets


really I always thought your comfort food is like, something carbs or something cereal you know, ya you you give me that that kind of feels like !wah! cereal with milk is like your, you know simple comfort food or like


you know, anything quick and easy is your simple comfort food like instant noodles


so basically those that high in flavours lah, you like ya ya


so like <mandarin>麻辣:ma la</mandarin> that kind right, like, you can taste every everything then will you like, really am I back okay correct


eh no you're wrong so one of my colleague I asked her if you can only pick one thing to eat every single day what would you choose, guess what she say ya she said salad salad it's salad salad ya


I have another friend say greek yogurt, I'm like what, every single day eh just the yogurt itself you you okay, cannot right ya


oh talking about yoghurt, I mean, is the is it called yummy or Yomie you know the drink that we, that we bought from, you you remember right that drink that we bought


ya quite nice that one oh because very filling ya , we can like treat it as a meal actually, ya but


my friend say we should try the non rice version is not so filling, so it still have the yogurt but with something else like maybe mango or avocado or strawberry that kind, you know what I mean uh


I'm not too sure maybe the fruit blends, , eh but actually it's quite I mean, if you still go to work is quite near in a way


as compared to from your, from your home lah true true true they have one eh no no


they have one at orchard central also you know, , that one is walkable from your office, if you are a bit hardworking, orchard central is just opposite somerset Taka too


somerset is quite near eh oh but you're not in Taka right you are at, my side oh ya ya ya I keep thinking you're at Taka, , ya


no they have another outlet at orchard central but it's at a corner located at the, corner ya, eh do you know the cinema is going to open, ya but


as much as I'm excited but


part, one financial related topic, eh JJ you never say, !walao! okay so


do you have savings account, so did you do you have savings account, what saving what account you have, OCBC three sixty ah


why leh why is it there no I never apply there, jump start jump start stan chart lah, no bro jump start interest rate higher


last time it was two lah now it dropped to one, ya bro, sorry sorry sorry you got too much money, don't scold ah don't scold ah


no he said talk it as like friend correct


right now right now I think the market can buy into this kind lah


eh wait your OCBC three sixty what's your interest rate ah, bro I realise that time remember when you ask me I realise actually all banks have a similar, features ah


OCBC three sixty is, O OCBC three sixty, uh stan chart is called bonus saver, uh UOB is called UOB one DBS is DBS multiplier


but the thing is you must put incremental balance right, ya lah, actually I compared already I after after this as in like after the that time when you ask I just started, ya legit legit err


DBS multiplier was the easiest to fulfill lah but then the, the how to say the interest rate now they cap they cap at ten K, it was twenty K then now they drop to ten K I think it's like very low lah then uh


UOB one the effective interest rate, is also okay lah uh for, okay all their interest rate ah is about three percent lah three point eight eight three like that, but I


put jump start cos jump start bro two percent bro last time damn sick leh


so you do you put fixed deposit or not


where got no bro, K for me, I feel fixed deposit is is a ridiculous place to put your money lah, bro now the fixed deposit the interest rate you know how much a not, K K I share with you ah the banks


deposit ah less than one percent leh at the best you can find is less than one percent, then you put in, fixed deposit how to win the inflation, the highest you go ah, the highest you go ah the highest fixed deposit interest rate right


was less than two leh, so let's say one point nine ah one point nine also


I I I think it's okay, oh sorry sorry I was reading a chat dude to have a okay I


eh sorry sorry I was reading a chat lah ya !aiya! I have a credit card, , do you have a credit card yes I've unlimited cashback, err cashback ah Standard Chartered lah ah you received already ah then


ya it's not cause uh okay


I thought I tell you before every year got like a promotion thing you don't anyhow apply, I I, I I thought I tell you before, ya last year last year when I just started then I told you, about this bro cause


all this promotion is always new to card members, so, if you apply now ah !wah! bro I think you cancel now you wait next year lor then you apply new one, but you must cancel bro, you apply lah you're not using stan chart then you just cancel lah you not using it


then you are consider then you consider like cause new to, card only exist for one year period, so let's say today you cancel ah next year this this date ah, you apply again then you are considered new to card


no but I want to wait for a new promotion cause I don't want like you like that you know like apply then after that, got I I I, think right at the end of the year right always the most one, I thought I tell you before already bro


okay you go see end of the year lor you don't


I mean ya lah you can say like that lah but but I don't I don't spend much mah, now now also don't spend much, we don't go drinking how to drink how to drink


K K I think we need to focus on the topic, K, what is your experience of purchasing insurance product also do you buy any insurance product from the bank, so let's say the bank K K you just okay


okay usually let me share with you every bank right they partner, eh no I just a I'm just a small fly okay, okay every bank right they ah they partner with an insurance company lah so


uh what they offer right is savings plan so it's like endowment plan, so if you buy like insurance from like a insurance company let's say you buy a AXA AXA AIA from or Prudential from MRT station right, you are buying directly from them


so, they they do offer err, insurance product like endowment health product life all these but the thing is why uh, it's been ten minutes to err correct okay so, so if ah okay what I saying ah oh yah so if you buy from bank right why we buy from bank is cause bank tied up with these all these savings plan so


okay savings plan is also a good way rather than put in fixed deposit cause savings plan right they have the guarantee portion and not guaranteed so average out ah is about three percent, the returns, so you put in fixed deposit let's say for five years or ten years ah, you're losing out


compared to you are putting in a, endowment plan endowment plan right okay what's endowment plan endowment plan right is you put your money in let's say you lock the money in let's say for five years right then it will let it roll, then err, ya they use your money to invest, that's why they give you three to four percent ya so


there's a guaranteed and non guaranteed portion lah so they see the financial market so right now, and the market's not very good so they go to the lower tier, so, is two point seven five okay average out it's three percent anyway so uh right now I'm doing is I'm doing this kind lah asking people to buy the savings plan


uh another good thing why people buy savings plan is force yourself to save lah, like if you're someone who who knows that, you got money let's say you earn like ten K for example, then you, you know like you are like someone like [orh] I got this amount of money


I, think I will have a lot of money in the future, then you will just anyhow spend you go drink you go buy food go out have restaurant but if got savings plan ah got the insurance plan endowment plan ah you will force yourself to lock yourself for example like three K, so everytime you got ten K ah you put three K into this savings plan, so ten years later right you get one lump sum


so people get savings plan is also uh a way of planning think life lah like let's say retirement plan or let's say for our age is call maybe uh we are we are planning for retirement but as we grow older we are planning for education because we need to fund our kid's education


so a one, I will say it's good if you cannot know how to save your money, then you put yourself into here, like, okay it's safer in the sense like let's say you buy stocks, stocks also is investment but then the thing is stocks they very high risk


cause, you must know the market very well but savings plan we you just put your money then they will help you invest because they have a team of investors and a team of, ya ya what you saying


insurance right let's say you put about a company let's say we talk about Prudential okay, you buy you buy health products ah for example, okay you buy life covers covers your life right, so, they have the sum assured meaning anything you are to happen you receive this amount right