actually this this whole COVID thing also allow me to, reflect self-reflect a bit of my life right like uh one of the thing that I was telling sharing during the last session I told you about the parenthood one my first opening uh sentence was !wah! finally I realised after being a mother for nine years ah


oh actually being a mother is not easy , after being a mother for nine years this the first time I say that because I, realised I really reliant on my helper so much, then only times when I really have to stay at home and look at them you know


that's where I I notice that they really come to me every five minutes , you know without fail I mean other than last time is always after work right okay after work you can drop everything and then focus on them but when you're working from home they really come to you every five minutes there's good and bad there's good and bad there's good and bad okay some people were saying that you take it as a very good thing because when they


grow up they will no longer come to you I agree I agree ya but, there are also times that you will realise that oh my goodness they really need a lot of attention, so because the schools are not available right the all the CCAs not available so no choice they have to stay at home and they are the own you are the only avenue that you're available


and she's here now, go out , , ya so that's something that and and also I I during this period of time I also realised that


it actually strengthen family relationship even though we are like uh, uh we can't see we can't meet each each other right when I talk about family like extended family lah like sisters mothers right, but that's really when I mean there are, I I believe ah in the world there are two types lah one is to strengthen or you break up right because I also I also saw some those posts ah saying that


err in some of the countries the the the divorce rate has increased, ya but some some of the people they actually strengthened the relationship, ya, so


oh you mean okay what did you do during no I rephrase it what did you what was the first thing you do after the first day of release of the phase two


ya


but do you remember yesterday we were chit-chatting right saying that your expenses have reduced so you should indirectly err it's time for you it's really a good time for you to restructure your portfolio your interests and hobbies


ya ya ya you're right it can be classified as savings


save a lot ya when you save a lot , okay it's okay net present value, , you still earn some interest along the way first before you go and spend it


oh then you use a you should diverse your bank account , eh I have leh I really do diverse also you know eh do you know the UOB bank <B>


the wealth account yes the, uh no no no you should follow up ah I tell you because the interest compared to the normal bank is different


is much higher yes it apply to all your balance amount, you see the difference ah ya that one is err a full digit's interest eh it's not even point something the bank is point something right the the bank interest rate so if you're the under the wealth account ah you have a lot privileges one


like for example privilege as a wealth err like that that preferred account customer on top you have a you will have a account manager on top of that right, you your interest itself generally is higher for the rest ah after the after the seventy or seventy five cap


slightly higher that one it you have to yup, anyway so, how much time we have two minutes okay, that's good okay let me see ah special eh your concert I think you never miss your may may concert right it's still on virtual virtual


I mean there there's a lot of err the singers right they they I mean actors and singers they really


do a lot on uh virtual online, so that may be the new I mean they might they might hybrid it lah you know there's still err online and off, for sure they don't they don't that one is I think ya


I think maybe those virtual one can be like a teaser or a a kind of (uh) sales like promotion right kind of (uh) advertising themselves yup


part one financial related topic


oh ya so I currently have one personal insurance and it's under AIA which is a whole life cover insurance I'm not sure how much I claim claim up to but I'm I think is only for like uh life like death ya and like


it's not auto renewable and uh I my parents bought it for me as well ya so other than that I don't have any other, personal insurance , ya so uh should I move on to the second question


(hmm) I also do not have an endowment plan because uh I'm not very like well versed in insurance I don't make the effort to actually go and look for like different plans unless my parents are the one that buy for me ya so should I move on to the third question


for me I get insurance when I am going to travel and like previously I was supposed to go exchange so I bought a annual travel, uh insurance as well but since it got cancelled then I managed to cancelled it without uh, like have like I get to refund it completely yeah and also I don't have a car right and uh or property or children or domestic helper so ya but previously my uh my parents had a domestic helper and they didn't buy insurance for it but for car I'm sure like they they have an insurance for it lah


then uh ya that's my experience with this policies


uh for me like I look at the price first because I feel like insurance is like is like taking a gamble like you never know whether you need to claim it so you don't need to have like really the best or anything you just need like a safety net which is why for me the first thing to look out for when buying insurance is the price and uh


and I don't think insurance is an essential expenditure cause once again is really like taking a gamble like you'll never know if you're crashed your car or like ya this kind of thing I feel like you can you can control the situation if it's like buying a car it uh like no it is like a car


travel insurance ya so other things that I look out for would be the coverage so let's say travelling overseas right, like I know that I wouldn't be driving much so I didn't include plans that or include like car insurance ya so that is what I look out for when buying an insurance policy which is the price and the coverage


(hmm) I feel that like uh currently right insurance is not really essential because I don't see myself at high risk for maybe like death or , illness as well and there's also the medisave backup safety net so maybe when like later on in life when I have bigger property like houses or cars and or maybe when like I have a higher risk of getting those uh chronic illnesses that I need like a safety net then perhaps by then


their insurance will be more essential but as of now I don't see being an essential expenditure so let's say when I get an allowance or when I make money from internship my first thought isn't is to, it's not to put it in insurance ah yeah what about you


(hmm) I agree with you but, although personally I just feel like try to go and find an insurance is like a bit too much of a hassle for me especially when my parents will the one that like settle all these things ya I feel like they are looking like cause currently I only have a like a life


insurance but I think they're looking at hospitalization as well so I think that I wouldn't be the one looking out for it but I feel like people my age would be more focused on like the insurance that you mentioned which is the health and like death insurance but I feel like more


nowadays right more people our age are looking at investment as well because , uh like currently we have money from like parents and like most of us are having internship so like we want to put that extra money somewhere that can they guarantee us like future returns yeah I feel like maybe a trend now would be to look for investment insurance yeah what do you think about that


I agree but I feel like nowadays for people our age like we like to spend easily like there are so many other things like with let's say drinking or like oh ya a lot of different influences and like, like different what what's the word different like kind of attractions for us to spend ya so like maybe an insurance serves as a like a disciplined kind of thing where like every month you must put in a certain amount of money


ya then I feel that that helps that can help a lot of people my age with no discipline to save money like for example me ya so I feel like maybe it's more and more essential especially for this generation and the next generation where there are so many different, ways of marketing and like ya different kinds of thing to lure you to spend your money ya


ya okay I agree so regarding this right like uh did how did you get your insurance like how do you go about looking for insurance you just go online for this kind of long long term big kind of insurance not like a small one time of travel insurance like how did you get your insurance


like those long term big insurance like let's say uh maybe hospitalization or death, death insurance is that called life insurance sorry it's not called a death insurance life insurance and maybe like ya investment or long term investment insurance


uh for me right like uh I would ask for advice cause there are a lot of people around me who are well versed in insurance products


so ya I feel like that is one way I choose and think about which insurance products that I can consider because there are so many out there so you need to probably limit it down to a few and then make a like a wise decision to choose one ya that's for me but I think like for my parents right is more of


they have a trusted insurance like provide uh like insurance consultant so they go to that one person which is why their insurance is probably from the same the same provider, ya I don't know if that is like a trend among the like the what we call them boomers


yeah so uh yeah but for me I would probably make a more informed decisions consider insurance products from different consultants who I know like from different companies to way like what each company has and their different packages, ya so uh currently you mentioned that you spend thirteen dollars a month for your life insurance is that the only insurance that you spend like you pay monthly


like what percentage of your income do you spend on insurance


(hmm) currently like I don't spend any percent of my income on insurance cause like for my life insurance is renewed so like they use the payout from that insurance to cover the old insurance to cover the new insurance ya so like I think everything is mostly settled for


then coverage is only like if I like let's say in an accident and I pass away then there's a coverage ya so I feel like perhaps I should start looking, into like more insurance coverage yeah


but I think that I agree with you like I can spend up to five to ten percent but that is I feel like if you're living like decently ah you're not living like hand to mouth you know that kind of thing like for, someone to afford insurance right it's a you must be like you must have extra spare cash on hand like let's say you have a family to feed but like you are earning like a three K job ya I feel like that will be a bit hard for you to


ya spend like maybe five to ten percent of your income so it really depends on how comfortable are you with your remaining money and if you have any remaining money left what what do you think about that


uh ya I do but once again I still feel that insurance is not really essential for us now so if I let's say I have spare cash on hand right I wouldn't my first thought we is not to put it in insurance it would be to put it in like


let's say uh robot advisor or like a high savings like a bank savings account ya , so cause currently I feel like it really depends on your stage in life like currently my main point is not like oh what if I fall sick what if I need to go hospital you know that kind of thing cause I don't know maybe I cause I'm still under the like the financial protection of my parents so like my own personal money I would


choose to, put it in like a yield account so that I can get like more money for my future such as next time when I don't have the financial protection of my parents I'll be able to pay off this kind of debt or this kind of bills by myself ya ya I agree with you ya not so much


part three negative experiences


uh for me right what makes me stress is uh the potential to let people down so I feel like a lot of things that make me stress don't come from myself because for me I tend to belittle things and its severity, like I feel like as long as I can control it it'll be okay ya but for like other people external factors is something that I cannot control so one thing that will make me stress is like for example I might


let someone down so for example if I fail my exam I might let my parents down like for me is okay but I wouldn't want to let my parents down, ya and another example could be like let's say I'm in charge of a project and like the project don't go my way then one thing that will make me stress is knowing that the people who are going through like the okay like the project the project I need will be like an event I have to


carry out like for me the, thing that make me stress is when people don't enjoy enjoy the event and not whether I have a tough time like going through the event or like planning the event, ya so for me something that makes me stress is an external factor which is letting like people down is not not really coming from myself ya


for me right I feel that the biggest thing that is holding me back from my goal is the fact that I don't have a solid goal , so like I feel like if I had like a goal in mind, I would be motivated to achieve it because like ultimately is a goal that I want to


like achieve like for me right I would when I, have a task I want to do it as soon as possible and like just finish it get it done over with but now there's nothing that I can get it done and over with so I feel that that's the biggest thing that's holding me back and I'm not sure how to go about it also because finding a goal is very different from the setbacks that you're achieved


to reaches your goal ya so the thing is no one can help you reach your goal if you don't have a goal ya so I feel that's the biggest thing that's holding me back do you feel that way also


valid


but I feel like uh the moment that you don't have a goal right you will lead to the thing that is holding you back as well which is procrastination cause when you don't have a goal you just be !aiya! find a goal another day you know


so like I feel like it's like a spiral that you will never get out of until you really find a goal that you really will stick to ya


so a lot of like self doubt


(hmm) for me like there are multiple times when things do not meet my expectations so for example when I tried my best in a project, and it didn't meet my expectation that's one small one but maybe a bigger one would be when like uh I was planning an event back in JC and like


while I got my task ready like other people like didn't like do their part and it was my fault because after overall I see and I did not like make sure that, everyone is on track ya I just assumed that day met their target and like did all the things that you supposed to do so on the day itself that I found out that like there were a lot of loopholes that caused the participants experience to be quite bad and the thing about


that events that it was external people coming into like mix around like socialize with people from my school so that's why like I feel that it was one, time when things really did not meet my expectations and it took like a really like it a bad turn ah ya especially for the school's CCA reputation ya


it's like when you tried so hard and then


uh


(erm) for me I've went through like a few by lost I mean like people leaving like death so like for one right it's not really somebody that I knew personally so it was my it was my idol like my korean pop idol ya so like uh


uh, he took his own life cause of depression so back then I was still like quite young like eighteen kay eighteen is not very young but like back then I was quite young so at my that point of time when the articles got released then I was a bit shocked because I didn't like there was no signs at all


ya and like it really opened my eyes to depression as a like a silent killer ya so how did I deal with the loss , uh I'm not really sure I dealt with it because like okay in singapore right there like there were many of his fans and they held like


gathering which I couldn't make it cause I was like overseas so I feel like watching videos and people sharing about their their love for him like help me deal with the loss and one more is the loss of, my friend back in secondary three because he had cancer so you could see like slowly the declined and he's still came to school and everything and he was in a wheelchair for like maybe three years ya so like back then I was classmates with him so when the principal came and tell us that he had


like pass on then we all were shocked then we all went to the funeral together so I felt like that was also one way to deal with the loss because like I went through it with my friends ya


ya and I I wanted to add on that like, for loss in life right is only like very very sad if you don't expect it like let's say your grandma is like


already bed ridden for the past five years and you know that she's going to pass anytime soon and when it actually comes right you don't really feel much of a negative emotion because you feel like uh at least she's finally done with the pain at least she has moved on but for like things like let's say our classmate, or like a Kpop idol suddenly ya I feel like that is more of a traumatic loss rather than something that you know is coming soon ya


, ya for me like the time where I felt trapped or helpless was quite recent it was the previous semester, like so basically like I went overseas for the first week so like I didn't attend school and then when I came back right there were small things that I didn't expected so I was very overwhelmed then like as the result I missed some deadlines and like my teacher told me that like no chances will given


and like she just mark like zero percent for, uh, a a certain like certain segments of my assessment ya so like that was one time when I felt felt like quite trapped and helpless cause like, you cannot undo it and there's nothing you can do to improve the situation and like when I explained to my my my professor like like she didn't want to take in my input also so I felt in a sense like quite trapped like I don't know what to do


ya so but in the end also turn out to be a blessing in disguise and all the came in but like ya that was one time when I felt trapped and helpless


(hmm) not really because ya I don't think like, I will still try to do something and see how it goes


yeah I don't I don't think like there's anything that I feel like not good enough what about you


uh how about the question like describe the saddest scene you have ever witness, okay how about I share about the saddest scene that I've witnessed


for so like for me right is when like uh, so okay I saw this video online it was when someone like was abusing, a dog then you can see like the life of the dog's slowly leave him as he suffocate ya it's quite a gory video but like I don't know I just feel that it was kind of sad is like the saddest scene I've seen because it's actually like the passing of a living thing right before my eyes and also the fact that that person like


didn't do it with any hesitation and just for that person's own pleasure so I feel like it really opened my eyes to how like, screwed up the world is out there like there are so many different kinds of people out there that can like do things that you never think anyone is capable of doing ya so that's one of the saddest thing I've witnessed cause like it really open up my bubble


of the world like at first I thought like oh kay people are born good like they no one would if there's a choice no one will ever do anything bad but then like after watching the video I realize that it's actually not, the case ya


I agree with you like I feel like the the world is like you know declined with like trump and like hong kong protests and maybe now china and india having some tension I feel like all these kind of things are avoidable but yet because of power greed, ah uh power greed politics like good it leads to these kind of things ya which is like something we can totally avoid ya which is why it's quite like it's really a sad scene ah


ya I think we've come to the end of the discussion


part two positive experiences


uh like for me right my best birthday present was something that was given to me by my two best friends so like they made a box filled with like uh notes and like, it's like a box that you can put on display then in the box right they have like photos and like notes and then they place it in a very aesthetic way ya so like uh for me right cause it I felt like it really took a lot of time and effort especially it was given during the A level


uh year where like it was nearing mid terms cause my birthday in july so like it's always after june holidays then the exams will come so they still spend like, a lot of time and effort to write down all the notes and then arrange nicely meet up like maybe five hours a day to do out that box for me ya so I feel like the effort and the I can feel like the love that they have for me ya which is why it was my best birthday present


ya ya is currently still in my house like there


uh for me right is I don't think uh mine is like completely opposite of yours like my perfect day right will be a day when I wake up naturally be it like one PM three PM or five PM like as long as I wake up naturally feeling very well rested and then I


like for me the perfect day is that there's nowhere that I need to rush to, cause like for me I'm a very like last minute kind of person so if I need to leave house at twelve I'll probably wake up at like eleven forty five that kind of thing so for me, the perfect day is I have nowhere to rush to and I can do whatever I want so let's say when I wake up at maybe three PM then I feel like baking then I just go downstairs and get like some ingredients and bake or like I just feel like watching shows for the next five hour then I'll just


like do it naturally without any external influences rushing me to go anywhere or do anything ya so for me like the perfect day is when I am free to do what I want, without having like cope like a pressure


uh I guess is considered a perfect day but I would enjoy even more if I were to sleep till maybe three , ya


uh for me right my comfort food will be like some, homemade warm soup ya like I feel like, for other things like Sushi bubble tea steak this kind of thing you can always get it outside whenever you want but like for home cooked like soup it really takes a lot of time a lot of effort and like I feel like even if I have time and effort I wouldn't be able to do it as well as like maybe my mom


or like other people's moms ya so I feel like a warm soup is one comfort food that I can always rely on to cheer me up especially like let's say if I were to go exchange right I feel like I need to, learn how to cook like soup and bring like a like a, proper pot to cook like nice warm like a slow cooker a slow cooker to make like the best soup ever for my next four months of living alone yeah so my comfort food will be homemade soup like it doesn't have to made be made by my mom it can be made by any other people's mom but it just need to taste like you know like home ya


uh yes


I feel like that's different leh it's like not really like like home cooked soup is like maybe you put pork then you put carrot then you put cauliflower you just let it boil for like five hours that kind of thing is different from like you could put it in like set ya


true true true true


I feel like the thing I I love the most about myself would be my optimism because I feel like whenever I'm in a very bad situation or be like !aiya! it can be worse or like !aiya! the better times are coming soon so like I feel like it's a very good way uh is a very good outlook of life cause


it make sure that I wouldn't be sad for long ya and I feel like this leads to the fact that, a lot of my friends feel that when they talk to me they like they feel like, uh like they feel like the happy vibes so I feel like there's a good like I'm a positive influence on them ya which also leads to the question on like what's the nicest thing someone has told me like they told me that like when they're with me they probably would even if they're sad like they feel like


a little bit better or if they are not sad at all they feel like around me is very carefree and very like, comfortable ya so I feel that it ties up with what I love the most about myself which is my optimism,


uh for me there's no like one but I feel like I look up to quite a lot of people who got their life's together so like maybe similar similar to you like I feel like my parents start off with nothing maybe like


cause their parents didn't leave them a lot of money also so they literally started with nothing and then now they have like, most things comfortably ya so I feel that that's one thing to look up to other than that I feel like I look up to people who knows exactly what they want to do in life and they set on the path towards achieving those things in life so I feel like like not everyone knows what you want to do at this age and


even if you know what you want to do not everyone is willing to take that first step cause maybe you are scared or like you're lazy or you just feel like, what's the point you know ya so I feel that, one thing that I'll probably look up to, it's like getting your life in control and knowing exactly what's the next step ya it might not be like a well planned route but at least you know what's the next step ya so that's something that I look up to like for people like a characteristic in people that I look up to


at at the moment no but I'll get there what about you


ya for me similar to yours is about examinations and grades so like for this semester right because of the corona virus and how it affected, like like all the learning have to be moved uh to like online base so like we like suddenly got a lot of excuse ya which means that like actually the grades doesn't really matter anymore ya so like for me right I overloaded this sem with one extra module


and I had a part time internship and ya I was really struggling with like the all the commitments that I didn't really think through and like loaded onto my plate so like the moment when they announced that we have like so many more excuse to use I was like so overwhelmed cause I was trying to maintain my first class


us and like now with the excuse although it's like let's say like a playing cheat kind of way but I managed to, maintain my first class well like not getting much A's ya which is quite like without the, excuse that they gave this sem right I will have like drop to a maybe four point one which is barely a second upper ya so I feel like although it might be it might sound like a bad thing that corona


did did like this for us but like for me I feel that it's an thing turns out better than expected yes


ya for me right surprisingly is also the same country which is taiwan so like I feel like it's not so much of the country itself but with the people that I went with so it was immediately after A levels when I went with a group of friends that I was close to ya so it was the very first time that I went overseas with just my friends


ya without my parents or without any teachers so I feel like for me that was the most memorable travel experience cause like something that I value a lot is freedom, so like when we're travelling with my parents or like traveling with like teachers or like it during school time right like it's like you have to follow a certain schedule or like you cannot they wouldn't let you like walk around alone at night or like explore the city the way you want to explore it


so like when I was with my friends right like it was really the most free and easy going thing ever like people just wherever you want to go we just okay let's go let's go or like wherever you want to uh visit we also just okay let's just go like there's really no restrictions or and ya it's also like the start off


like my parents letting me travel alone with my friends like it was the very first trip so I felt like that was like a milestone it was the most memorable travel experiences further more like the things that we did during the, the trip was very fun lah like we visited like theme parks and then like uh I managed to see like some of my friends although they outside they looked very tough but actually inside they are all very scared of very small little things like maybe the haunted house or the


the rides ya and also like I feel that through that experience we like at night right we hardly ever sleep like we just talk and talk and talk ya so we get to know each other better also so I feel like this travel experiences, this travel experience is like you'll never find it anywhere else like as we all grow up and graduate like we really hardly ever had the time to go and travel with maybe a group of close friends already


ya so that's why it was one of my most memorable travel experiences


I think we have time for one last question (hmm)


for me is uh like okay might sounds quite it's my it's my scholarship like honestly like when I went for the interview I really expected nothing I didn't even try


like my best like there was this quiz for general knowledge which I don't think I score like five out of thirty but I think like the dean of the business school saw something in me that I couldn't see in myself and she like after talking to her during the social networking I feel like she I don't know I don't know why she decide to give it to me but ya I feel like that's one


of the most thankful things that I have in my life ya


part one financial related topic, ya okay so uh let let's start with question one first, so uh I have, a personal insurance, uh


I have two one is my uh Aviva it is a group accident and death uh insurance coverage uh for myself, and it was bought during NS and covers about hundred thousand for death and three hundred thousand for, accident uh features of it is relatively straightforward


an experience is a quite hassle free, once I sign up that I don't really bother with it anymore, ya then another one will be uh by Great Eastern is, integrated shield plan for hospitalization, it's just simply covers portion of hospitalization bills


and is relatively simple as well once you buy it uh then, you just leave it there and it will just uh continue, renewal uh if I'm not wrong, my parents uh used their CPF to pay for it for now, ya so maybe you want to share about yourself


uh second question ask about endowment plan uh personally uh I do not have any endowment plan because I don't really have a huge lump sum of cash to actually put into an endowment plan, what about you


uh for myself I get insurance when uh I'm travelling overseas and the rest of it uh I do not have insurance for that yet because I don't have a car property or anything yet but I do know my parents uh get insurance for their car for the property mortgage loan


uh for the property ya basically that's about it , ya that's that's for me


maybe you want to share more about uh, what how did you buy the travel insurance and your experience okay so for me right I also bought a the travel insurance I bought it uh online cause online website there's a lot of those insurance and you can easily compare across the different


agency to see which offers a better rate and at the better uh cover coverage so uh I also bought a one year travel insurance recently with Aviva before uh COVID actually hits it was when uh I bought it because uh it was cheap with a discount, and it was relatively easy to buy you just have to buy online then you just pay premium and you will be activated afterwards so it's quite hassle free uh ya that's more or less what I look out for when buying the


ya that's also what I look out for so eh you mentioned previously leh uh you don't really see insurance as an essential expenditure, ya maybe you want to elaborate more on is it insurance as a whole or just maybe like travel and car insurance but you still believes that other form of insurance are still essential


personally I believe that some insurance are not essential but some insurance are essential, for example uh there's there's a lot of insurance like really recover, car property traveling and and stuff like that but there's these these are maybe not so essential because is a gamble


but for insurance like hospitalization, I feel that is quite an essential because you you're never sure when you going to fall sick, you never sure when you need to go hospital when will you be hospitalized and especially with the rise in dengue cases nowadays


it is is very uncertain so , and but and, right now I believe that uh the insurance coverage are, for hospitalization is relatively uh cheap and you especially for, lower age and you is is paid through CPF


so actually you don't really have much expense much expenses out of your pocket actually and let's say uh this hospitalization coverage are like integrated shield plan so let's say if you purchase it at the at the higher age, and from now till jan you get any illness


or anything then subsequently that illness I believe won't be covered anymore, so you're actually putting yourself to some sort of uh higher risk afterwards, ya do you what what what do you think about this


ya I think that that's what people around my age and uh your age are looking for also because uh, we feel that uh we want more money we want our money to work harder for us we want to put our money somewhere and at the end we get back even more definitely that's what most everybody wants but


uh I'll that's what I want also I also have uh I also plan to look into such aspect but I feel that uh, those, uh the in in investment is uh is useful is important helps to plan for future but I feel that


there isn't there isn't like a lifeline or safety net so let's say if one day we cannot pay the investment we cannot put money inside investment regularly then what will happen to the plan it will probably will just lapse or probably will


the investment will just probably stop or something and the money that put inside investment wouldn't be sufficient to cover if let's say you get into , uh some heavy medical bill or what in the future also so I believe uh so I feel that right uh, it is is essential to start uh investing start having


putting your money to work but I feel that uh you still need some sort of like lifebuoy of like or lifeline that will help you in case that, if the if that you are unable to continue investing if you are unable to pay the uh amount to invest your policy still will be able to run and it won't lapse


so I feel that uh, ya it's it's definitely something that to look out for is essential but will bring in, uh other tools to help us actually, manage these risk or to like approach to like, , to ensure that


in all events in even if the worst case scenario we'll still be able to actually continue investing yeah your thoughts on this


yeah definitely so, uh it I think, it is it helps because uh it is like, it is uh it will just deduct from your account and, if you don't pay or policy will lapse so it actually lock you into this type of commitments for the


short term to the midterm duration so definitely help people around our age to save money and and stuff like that but yeah we definitely have to I feel that uh personally I feel that , it helps but we also need to look at uh getting the lifeline which are like general insurance like hospitalization to help actually help you to ensure that you don't


uh, you don't incur huge bills or what that will affect your investment plans, that's that's obviously basically what I feel


uh you you're referring to those investment insurance or


uh personally uh I I prefer I I, I definitely would like to choose the uh lowest premium while giving me the best benefits so I will actually like compare across, (hmm) but uh I will definitely I think one thing that I look out for is what uh if that if I have any friends that uh actually


purchase those type of uh plans before and what's their experience with it and what would they recommend, uh for say or for example let's say uh the Aviva insurance it was actually promoted during uh national service , and it was highlighted for the cheap uh rates and a good cover uh and it's across the years and by signing up during NS right uh we won't have to undergo another medical check up which will actually limit the benefits


so that's the good thing about it uh so uh I did ask around whether is worth to continue after NS uh should should we be continue and stuff that (hmm) definitely uh I uh get a general consensus is that uh is cheap why not just continue running is like, only thirteen dollars a month for a hundred thousand death and three hundred thousand accident coverage is like hardly you can find it anywhere so I've let so one one thing that uh I look out for when I get insurance from uh providers is that is the is the price and the coverage and I'll I'll look for recommendations


and online reviews about such things so I I I do not have any like preference whether is it to get from a single insurance provider or across a multiple providers as long as I'm able to get the best deal out of it ya what about you


, so currently I


pay about thirteen dollars a month to keep it running, and, and my hospitalization coverage is, for my parents uh CPF so uh doesn't affect me directly so for now I would say my percentage of income that I, spend on insurance is less than ten percent


and as for the coverage I'm getting is really really quite a good deal quite a discount actually so uh ya I feel that, (hmm) it is it is good and it is, quite a sufficient but perhaps in the future when I start working I feel that maybe if I spend ten percent on on uh insurance coverage it is it is quite a


reasonable or say or maybe around five to ten percent is I think it'll be quite reasonable, uh using the five to ten percent insurance uh payment on insurance to actually protect the rest of the ninety to ninety five percent of my income I find it quite uh quite reasonable for myself what about you


ya I actually agree with you, uh that uh on top of we need to actually do a analysis on your cash flow for example like how much money you need to spend on expenses every month how much money will you need to give to your parents how much money will you need on your


uh perhaps paying your , uh flat your your loan loan on the uh HSBC like so uh then after that you must look at how much money you are left with, your which is your , back cash that you can actually use it so if I I feel that if you have definitely some balance left should look into actually buying some sort of uh insurance to actually protect yourself


ya, do do you think is actually uh agreeable


yeah agree with it as well, so me for now lah for now because we we uh foresee that our risk risk uh is quite low actually because we are we don't really do much we only like go to school uh go back home ya so basically we are we don't have that much risk or we actually we don't have


uh a lot of like obligations or commitments that we actually have that we need to take into account for example, uh like maybe when you grow older next time you start a family there is actually this obligation to your family there's this commitment to your family that you would want to ensure that if anything happen to you they'll be well taken care of so because we don't have that now we don't really foresee that insurance is very essential


but maybe you when when we grow up when we start a family or like when you have kids and stuff then you'll definitely put more consideration into actually buying coverage for yourself the event that anything happen to you they'll be they'll be uh well off


so essentially uh we agree that uh is essential in the future but maybe for now, not not so , ya ya okay (hmm), I think we covered pretty quite a lot, uh I think that ya that's quite


quite integrity I think time's running out so maybe, we can (uh), wrap it up here yeah wrap it up here


one two three, part three negative experiences okay so maybe let's start with the negative experiences maybe start with something uh small first uh what makes you stressed, uh personally what makes me stress is uh there's there's a lot of things that make me stress for example one thing that makes me stress the most will be uh I feel is examination and the seriousness of examination


on singapore's education there's there's too much uh emphasis on it and if I screw up my educate uh my uh if I screw up my examinations I'll affect my education if I affect my education it will affect my future, and this like a snowball snowball effect so it makes me really stressed that I when I think about it that I really have to study really hard and the education system in singapore is such that is bell curve


so if I am not able to appear on top of curve then, there goes my my my grades withdraw my uh a future might be affected and everything so that that makes me really uh stress for example I remember one incident very vividly was my last semester during


last semester during the examination when I had back to back exam and I wasn't able to uh have enough time to actually study for my , second paper and I still remember how stress I felt especially when I was in the exam hall and my my mind blank out and I really cannot think about anything I I really really tried very hard to


force something out or like think about where did I learn this how can I actually answer this question so it makes me really really really uh stress from this incident and hopefully uh I I don't have to experience it again ah what about you


uh personally I I also feel that that's that's one of the thing that made me stress lah like uh not, not being able to live up to expectation not being able to actually have things go my way that's that's what that's uh that will make me feel really really stressed and worried because uh I spend so much time in


to it I wouldn't want it to go the uh go the other way uh I want it to turn out well so I feel that that's really one thing that will make me stress lah , so maybe we move on or what's the biggest thing holding you back from your goal uh personally I feel that uh one thing that is holding me back for my goal right would be uh occasional procrastination


for example oh one of my goal is to actually be able to do well study study hard do well in the exam and also pick up new skills skill set and uh, and ya to grow my portfolio and resume but one thing that hold is holding me back most of the time right is like procrastination feel that uh right now I have


I feel that right now I don't have the don't have the mood to actually do this right now uh I'm just tired uh or I do it later later or or anytime later but, more often than not I realized that I keep delaying delaying at it actually snowball and I I actually don't have that much time to do it later so I feel that that's one thing that just holding me back from achieving what I really really want to achieve ya


yeah yeah that's that's what I feel in the past when I when I'm aimless I have nothing to work towards to then if there's nothing to works towards to then, there's nothing holding me back the only thing holding me back is that I have nothing to to works to work work towards to it's uh it's quite aimless living life just like that wasting time every day so that's definitely that's uh ya you definitely shared a very very uh


very very uh important and valid point that uh if you don't have anything work work towards then that's the biggest thing that actually holding you back that's that's what I feel also like yeah I agree with you I agree with you


ya ya I agree with you I feel that another thing is that uh hold it that's actually holding me back is point is this goal is not the goal that I want


like you like you know like maybe I what if this is not the goal that that I this is not the this goal isn't at it of any like a benefit or use at all, that's just one thing I feel like maybe this why why am I wasting my time doing this when it may not be the actual goal that I want like you're unable to identify the real real goal that you actually you want in life


yeah I I feel that that's maybe one of the things , ya okay, so maybe uh can move on to describe a time when things turn out not meeting your expectations


(hmm) for myself, when things don't turn meet, when things don't meet my expectations uh I uh I don't really have one yet maybe I'll think about it do you have anything to share first


now that you now that you mention it I've I've I ya I feel the same thing so one thing that don't meet when things don't one time when things don't turn out my meet my expectation was I remember also uh in secondary school and I was planning


events so like you when you plan events we put in our effort we hope that the event will turn out well but but when I see the that the participants didn't really really enjoy it, and it sort of show me that uh it kind of didn't meet my expectation uh and for the amount of effort that I put in and it didn't actually turn out the way that I want I feel very like


feels really is like uh I'd say uh maybe the right word to describe it it'll be like Sien ah like really, really like uh, really did not worth and or you really don't know what went wrong which which part went went wrong why why why is it not uh meeting expectations why is why are people like not enjoying it so that's one of the thing that don't meet my when time the when when that's one of the time when things don't meet my expectations


another time I would say would be uh would be exam sometimes sometimes exam, for amount of like study that I do for amount of like uh effort that I put into during the practice paper okay do like a lot a lot of practice paper but then when I uh stepped into exam hall


the teacher will just boom us with a different paper and the the question ask will be much harder than what I expected uh I've never experienced it before then how am I supposed to do this paper right, then afterwards ya


and and things don't turn don't don't really turn out the way that you wanted it so like uh, when you in the exam hall you just don't know what was going on you you feel that this look foreign to you you never learn before and it's not and it's not that you never put in effort you put in effort you put in effort to practice put effort to study put effort to revise but it just didn't turn out the way that you want so it brings back bring me back to the point that


why why why do I feel stress is because of such uh things stressed that when things don't meet my expectations when things don't go don't go my way what what will happen there's there's a lot of like subsequent uh consequences there is a lot of snowball effect afterwards which which actually effect uh


how, uh how I actually move on in life how how how will I be able to like uh influence people around me how will I affect people around me so that's that's one of the things that don't really meet my expectation ya


(hmm) so maybe we move on to uh have you gone through any loss in your life personally for me I haven't I have not really really undergo any loss, in my life yet feel that uh yeah but I I did I did see friends that have went through such things in life and it's like really really a quite quite uh sad and and and ya ya and that's what that's what I feel lah


yeah definitely lost are really really quite quite uh saddening and, really really quite but but I would say that it's still like unavoidable in life and you have and it it's definitely have to happens at some point of time so maybe uh I'll feel that uh it'll be how you cope with it and


what what did you learn from it uh recently I recently I read an article about uh how an overseas boy actually uh suicide after he see that uh his stock account uh have a very huge deficit but actually it was just an it was an error on the stock account side and so so it shows that


life is like really really uh fragile and you really don't know what what will happen and how many many things can actually affect emotion emotions will actually, effect uh your your living ya


(hmm) I feel that ya I agree with you but definitely those like slowly like coming soon those type of loss is still


still quite still quite hard to deal with lah let's say you you see uh you you see it coming slowly slowly but you when when it actually happened you still miss the times that uh you you spend with the person you still uh really very uh reflect back about


how have what uh how how how's the relationship like as how how is it how are you thankful to the person and stuff like that ya I feel that even though no matter how slow it can come or how sudden it hits the loss is still is still quite uh significant lah I feel, ya okay so let's see (hmm) describe a time when you felt trapped or helpless uh I feel that this


this brings me back to the previous two question that I answered uh when things don't turn out my way and when I feel stress because when I when I when I feel when I felt when I feel helpless, it'll leads me to it will it will bring me to uh it will make me feel stress was stressed that I cannot do anything to actually uh to actually uh to to help with the situation lah so one thing is like as what I mentioned lor in in


exam when you in the exam hall your mind blank then you can not you feel helpless because you don't don't know what how you can do to actually improve the situation now ya so like maybe you want share more if you have


!wah! your teacher is quite harsh ah I'd say (hmm) okay so uh building on this question maybe you can describe a time where you feel that nothing you do is good enough, do you do you have any of such occasions


(hmm) yeah I agree with you when will will definitely still try something but there's there's definitely some occasions of time when we feel that whatever we do


it's not up to expectation is not good enough this brings brings us to the point on when things don't turn out to be meet our expectations so like like what I mentioned early ya studied really really hard put in so much effort and time sacrifice my playtime and everything, but it's still not good enough so it's it's really a question to want to wonder what what what part went wrong why why why is it not good enough what what can we do to make it good enough ya it'll


when when it's like when you put in so much effort and things don't turn out your way and things is not good enough it really sets you sets you back really make you uh think think really hard, why why why is why does it seems like the world is going against you yeah that's that's what I feel


oh


uh okay okay after you shared this I've I've recalled, one of the saddest thing one of the saddest scene that I witnessed was you know recent all the uh riots in hongkong and stuff like that is is I feel that


many people will actually affected innocent life will affected and it's really really quite sad to see how the world is actually would uh transforming towards, ya so it it's really kind of uh sad to see like why why are people not able to live harmoniously peacefully why things can't be settled peacefully ya so that's one of the sad scene that I've have ever witnessed and I feel and I hope that it really really uh be able to resolve well and


things will turn out for the better lah I feel


(mm) ya sad ya okay that's about it


part two positive experiences, ya okay so we move on to part uh this positive experiences so maybe we start with the first question I think is a, quite a relatively straightforward is like a warm up question ah I feel so uh what was your best birthday present and why


for myself uh I feel that uh my best birthday present would be, uh will be I I received it last year from my uh girlfriend it was a two two T shirts I think it's not a the the price tag and everything is doesn't really doesn't really uh define why is it the best or anything but I feel that is the is the meaning behind


meaning behind it so because uh I receive it from my first girlfriend uh ya it started quite well and it was it was a meaningful lah I feel that's why I feel that uh it is my best birthday present so far


maybe you want to share about any any birthday present that you receive that is like defining or meaningful


(hmm) do you still have the box with you you still keep it it lah okay, okay okay that's that's good that's good, I think what uh what's behind it is that uh you actually have a group of friends that, really really care for you and love you lah I think that's that's maybe I feel that it's might be the meaning behind it


ya, so many , let's go to something that is easier so okay so maybe describe your perfect day, uh for myself I same uh my perfect day is like when I wake up one day, feeling very well rested and energized it's like that's that is that really like


feeling that you get when you wake up in the in the day is just like !wah! today you really feel very energized and rested, and then afterwards right whatever I do right will go my way for example let's say if I were to take a public transport the bus will come right on time, and not like take like three minutes or even longer so that's that's like uh a part of my perfect day so uh if I would say my perfect day in school right will be waking up very energized


uh when then when I go to school the bus arrived on time then, I'll be, I agree cause I study business so I go class I can class part very well everything goes my goes my way my teacher pick me class part uh then after I end my day feeling very very uh satisfied and


and contented with my performance in class the uh ya then after I end the day with maybe like a, a good gathering with friends or something , or or like maybe with somebody meaningful then yeah and throughout the whole day right the weather isn't rainy it's it's like a very normal cloudy cloudy day ya so I feel that that'll that'll uh make up my perfect day ah


so are you living your perfect day now


since now is uh break and all you'll get you have no uh commitments obligations


okay okay ya okay maybe let's move on (hmm) so what is comfort food that you can always rely on to cheer you up, for myself I wouldn't really say food because uh, uh I I'm not very picky about food and there's there's no really a go to food that will rely that that I can that will cheer me up and stuff I'll I'll feel that maybe is drink maybe like a a bubble tea bubble tea uh definitely helps to actually maybe I've I've feel better lah after drinking it ya what about you


so seems like this is your comfort food that you can always rely on to cheer you up after you're drunk


okay okay, ya I think maybe when you go exchange maybe you can just bring those uh sachet, they can actually cook soup with because that's what I did for my exchange my friends brought those uh #bak kut teh# sachet that you can actually use it to cook yeah so maybe that's one thing that you can actually


have, when you go and exchange ya, yeah yeah I understand understand but


I feel that uh you can still use pork uh carrot and everything to cook but sachet just uh provides an additional flavor for you so ensure that ensure that your soup won't go wrong lah, that's what I feel ya , (hmm) okay so (hmm)


(hmm) , let's move on uh what do you love most most about yourself, okay uh so for me (hmm), I, think what I love most about myself is the competitiveness and the fighting spirit in me where I like to actually uh keep challenging myself challenge people and ya lah allows me to actually achieve more


achieve more in life I feel I I and I want to like actually, keep it go keep it going enhances it to make myself even a better person, ya, what what what what what about you


that's that's good yeah I I think I can vouch for that as well lah, , okay uh maybe we move on to uh who in life do you look up to the most and why so for myself uh I look up to my parents quite a lot because uh, , they really really uh worked really hard to raise my brother and I uh I can see the amount of like uh sweat and effort in they put into working so


to able to ensure that uh my brother and I able to grow up uh well receive the education received a good education uh don't have to worry about food and don't have to worry about life so that's that's one thing that I really look up to to them the most because they are not very educated by yet they they really tried really hard to


to , uh fulfill maybe their duties as a parents and I think they did really really well so that's one thing I look up to and I will definitely look forward to maybe emulate their, uh achievements or even more, when when I grow up and ya to really take care of my family in future


that's that's yeah my parents are the ones that I look up to the most what about you


so do you know your next step, , uh not really I'm still exploring a lot of steps series step is the one that I eventually want to take ya so I still also figuring things out like uh just like you


, (hmm) so maybe we can move on to the next one uh , okay so uh describe a moment when things turn out better than expected, okay so for myself I remember this one one, incident very vividly so uh during our last semester when uh I had back to back exam back to back exam for the uh for different modules so I didn't really have time to study for my next paper and


I was really feeling very very stressed out especially when on on the day itself cause my paper is afternoon I still have the morning to study , so in the morning I feel I feel already really stress and that I feel that uh I might I might just going to screw it up and stuff but I just give me assurance of that it will be alright but after I step into the exam in the exam hall I when I did it it was really really really bad so I I really expected that it'll it I'll might I might fail this muet


havard right, at the end of the day when I get get back my results I actually I didn't didn't fail it uh I managed to pass it and it turned out better than I expected, I I, uh at the moment I felt really uh relieved that I don't have to redo the module in the coming semester and


that that module I'm not able to uh, as you as well, so if I actually fail it, uh it'll really pull down my grade but really really weird oh so I'm really really grateful that uh it turn out better than I expected though it may not be the very very best that I really really want


but it still turn out better than I expected and, it's kind of, still quite all right I would say as compared to what, especially as compared to what I really expected, so I feel very relief uh very very glad that it's actually, better ya I've that's what I feel


, maybe you want to share about yours


(hmm) so okay maybe one question we can ask ourselves is this what what's one of our most memorable travel experiences, (hmm) for myself uh oddly I would say uh it was during uh national service uh overseas training overseas training uh so uh when I was in OCS uh we had to go to taiwan for our overseas training


and uh as in during the training it was it wasn't memorable lah I would say but it was the uh subsequently like after training that part because after overseas training period there will be a maybe a three three days off, to actually travel around taiwan and to do to do things free and easy so during that uh I would say the three days of like R and R which is I think relax and relax and something something like that it allows me to actually uh relax and rewind and enjoy my time there with my with my


uh friends that actually uh went through all the tough times with me so uh during those three days uh with, the there there is some sort of schedule to it where we have to follow they'll bring us to this place here and there but there also be uh free and easy time at night


so in the day they brought us to uh, brought us to theme park and everything so uh I I remember there there was this one ride, there is like a washing machine is like you sit onto it they will load load you up to the high then you just keep spinning up down left right clockwise anticlockwise in all directions like a washing machine like you're in a washing machine


uh it was it was really really quite uh crazy, then afterwards the and the night part uh we can actually travel around the night market, we go to uh the Ximenting check uh shopping areas district, actually really uh bought quite a lot of stuff so I I feel that is memorable because


it it is it's really really relaxing and fun after all the tough time the tough training at the start so it allows me to relax rewind enjoy my time especially it was my first time going to taiwan also , so allows me to see taiwan in the different uh different view other than just grass and trees around me so it allows me to actually uh enjoy myself lah that's why I would say that is memorable


yeah yeah I agree with you that uh all this time with, friends are definitely very memorable and should be uh well cherish I feel, (hmm), (hmm) maybe looking, moving forward uh maybe I, I would be looking forward to uh more travelling experiences maybe like graduation trip with my uh my girlfriend or like close friends definitely one thing I can look forward to ya so (hmm) I feel that there is still a lot of thing that I haven't really there's a lot of part of the world that I have yet to experience or yet to see it yet


, especially when uh COVID affected my exchange on trips so uh there's a lot of things that I still very want to experience where a lot of things that I want to explore uh ya so uh personal I'll definitely look forward to having more memorable travel experiences


especially maybe graduation trip and everything before before actually start work and us, start, start family or have such more commitments ah, yeah that's that's what I really really really feel that


(hmm) so maybe uh what are you thankful for okay personally for myself I'm really thankful for whatever that, uh I have since young maybe thankful that I don't have to bother about I had uh worry about uh not not having food worry about uh whether my education will be affected worry whether uh


uh I will I will get to any uh, any financial difficulties and stuff that's that's what I really really thankful for lah what what about you


(mm) ya okay I think that's about it yeah here come the end


financial related topic


ya ya, five years ago I was basically I was a secondary school student lah so what I'd say is financial advice when, at that age I think will be the one where you should save money more start to save your


at that age really you should start your, saving your money more, you you know what I mean, ya


exactly like should, like the unnecessary expenses lah, like you know


but that's, no but that's where you know that responsible starts like you know, uh, must start young


sorry, now what do you think


ya, too


saying like too much for young age ah, I see, okay lah then go next topic lah


, this is all five years ago right


I think at the start starting on the stage we should do our self you need to get to know more about the finance stuff so then when the age goes we should like hire people like the like the advisors something like that lah


okay lah, ya so when you know like we can learn about the uh own finance stuffs, so the starting stage we need to like learn about it


like we know what's happening like that, ya lah I think this part I stuck


what go next topic ah, no you were saying something


no got before that got how do you manage your cash flow


ah is like how how much you manage your money that's what they trying to ask right, uh, hello how do you have you got invest on


your money or anything or like you got do any insurance or something like that, or when are you planning to start


okay


two, okay okay, is the stock you talking about the stock thing is it, oh okay okay okay


ya for me, I have no uh savings ah but my expenses is a lot, so my investment are basically like doing on my business ah so I now it's actually consider most of my money I do investing on my business I starting new import export business oh like my own plan lah I'm starting soon soon like that


by this year because this the time I can do business so I'll go and take and the COVID nineteen time ah, cause this is the time like I can do the I had that's another topic ah like different business like that, so I'm investing my money on my business ah basically


ya lah


ya of course lah, of course ah cause of , I have a few few not like thousand dollar two thousand dollar


ya, ya same same thing I mainly put it put it on my investment I have very few savings, and a lot of expenses


what do


that's so


ah it's like extra income so there's always two people lah one is work hard another one is work smart, but if you do both you are the winner lah, so that's I'll tell that's I'll tell lah you must know how this thing works


always like work smart and work hard lah of course, must use both cannot just, one thing also, if you want to improve your income level means if you want to stable your income level means is the you should follow one only


so if you want to improve means I feel like we should follow like both work hard and work smart smart


thanks man


do you have the habit of saving how do you ensure your meet, your saving goals, , do you have a saving goal first, ya do you have like a goal to save


it's like what how is your


like not that financially tied lah, , so there's no reason to have a


like ah, my type of saving means is like imagine if I want to go this bar or like club or something, at this end of this week so I'll be saving for that all all the way the whole week but I'll spend at my whole money on the one whole day


so if I want if I have plans or if I want something then I will save the money if not I won't really like, , my extra money I'll be saving, it's like because same thing same as


ah something like that, so same thing as you lah you just have to I've I feel like is, , I don't have a reason to save money also like, , I don't have wife, I mean I'm not uh I


not family I mean I'm not married or what so I'm not like financially tied also is like, suggest we have don't have a reason, to like save big big money


what do you spend on, ya


no she said last five minute we can start to wrap your discussion and do number two, no last okay never mind, oh okay okay uh hold on


how do you spend your money, , mainly I spend my money because I go out a lot with my friend so, and mainly we would, be like, would go out a lot eat to eat and, and like to have drinks like that


with mostly with my friends so I have like every day I'll be going out I won't be like staying home this is the COVID nineteen time I like stay home a lot so I put like I, I saw myself like I can save quite a lot of money, when I stay home ah


I because when I stay home I don't have any expenses, sorry, yes so if I go out I feel like spending a lot, that's the time I couldn't save any money


I think


what's that which question you have now, I I cannot I cannot hear you sorry


oh there's question like that ah, oh oh okay okay, how do you see uh sorry what how do you feel


I feel like I'm too, uh sorry almost say it backwards I'm too like, okay okay


[oh] I, maybe if my business is to maybe (uh) pick up in the future means I would hire people also to manage my money because [ah], cause got a lot of stuffs in the future


negative experiences


sorry wait ah what are the injustices in the world that make you angry


if you see some ah


which one the PC one or the phone one, ya it's still running alright, alright


same thing racism will always will come first ah when it comes to, negative in the world means, the because , I'm sure everyone go through that racism in once in your lifetime one that's happened to everyone to be honest


but now the one is happening in US it's just too, too much because it's when involves like, is injustice like that even, just because, uh ya, plus the people who are doing that uh uh government people and uh police were supposed to protect you but they are the one who is like


, exactly it's like, uh exactly doesn't feel like a modern world like that still just because of the technologies is still the because of this kind of stuff still exist is like


uh makes the, world is quite disgusting you know, just , because the court is the place you need to give justice but, even the kind of place have racism still now


until now these days they have racism and god itself so it's like, something too, something uh don't know whether can be changed but something we have to change ah


exactly, so everybody have to do their own part for it lah


I have a few actually, if I'm going to talk about it, oh that's the thing I trying the least one, trying to think of the least one, okay


oh oh okay okay okay, oh can


maybe ah, ah for me is like I don't know whether is my walking problem or when it's too heavy rain right I have always a heat slipper, always have the habit of sleeping in front of people you know like, you'll sleep hard


but not normal just sleeping I will like sleep until I'll go to the floor do like dance move for, so it's like I, usually like how to say I Kena like this a lot of time already got one to two time like that really like in front of this group of girls like that I like stepping cool all wear nice nice already like I think it's going club there or what but was heavy rain


ya like stepping cool all like taking out my cigarette to smoke out of nowhere I just sleep then, when I, all of them laughing at me ah, but the whole group is laughing at me I can see but I cannot do anything


like you get it, the whole group is laughing, that's one of the embarrassing thing lah


that one I still don't and also we talk about the next one lah, , this one I can tell actually because when I used to find job you know


like when you want to find a job part time job or what, , there will I can I'll message them, , I need this part time job all the stuff for they'll be okay uh one one of this time I had I ya it was just one time I had this experience ah


they asked me you indian ah, then I say ya and then they say sorry , only chinese working lah, but like I thought but some of the job you know mandarin speaking also so I thought because of that it's not because they I asking is it because of mandarin speaking thing like that


then they say no uh only chinese can so that part I was like damn son , yes that's one of


exactly exactly


it's just the few people they still exist like that


you were just bullied lah basically


ya exactly, I'll go the next one ah, what's the dream of yours die a little with each passing day, what's a dream of a little


ya, ya to be honest I have no idea, describe a time when you feel awful after helping someone


sorry what, he vomited on you


oh okay okay okay okay, for me it's like (ppc) my I'll be like


ya I used I used to have this friend so he'll be like ask borrowing money from me always ah so I will be like giving him whenever he ask me the stuff so on, but when I was in the stage you know but I needed money so I wanted to borrow from him


but that time he wasn't there for me, so it's, that part really hit me like say I really must I learn from I learn about people like that, so you must be stingy when to be stingy when must be smart when must be


like you must know your friends also lah, that part really hit me


but it was few years ago lah so, ya, when it come end of the day still friends so no worries, but I won't treat him as last time, that part I will yes


yes, next topic ah, what okay ah


I think you have a perfect answer for this


for me it's like I'm feared I got like this year the scare of my life so I stressed myself too much, so I just think, it's like I'll be thinking what am I going to do another ten years' time what what am I seeing myself in ten years' time


like I don't know what I'll be doing so, I have to thinking a lot at night especially at night because you're alone at your bed, probably using phone sometimes before you sleep you will be staring at the wall for a few minutes so I'll be thinking a lot a lot until you go two hours like that few hours


so that part will make me stay awake, okay


yes it's just a fear, it's like, is uh


, so you talking now about just, global is it like social


(mm), the second one [ah]


positive experiences


uh you answer first lah, no I you answer first lah


and then what you what you say is like everyone's dream ah early retirement, peaceful life


mainly because I from young age I love business so, , I like to even though I, sometimes I will think I fail sometimes I'll going to be like, we have, a huge success or what but it's just something I love doing so


, I'll be doing this or I I mean I I won't be retiring so so I'll be doing this thing like, uh till the last ah ya, till last ah I'll be doing this ah yes


yes all the way


exactly exactly


uh is, it's like being lockdown really changed us to be honest


lockdown circuit breaker really changed us, because like ya because it's like, it's uh starting I don't stay home a lot so I don't really talk to my parents


my father mother so this past two months I really be close to them at the strong relationship with them, , past two months ah before that I, , rarely talk to them is, it's very rare I'll talk to them


so I feel that part made me like positive, but the worst part is, when come the bad side is uh negative side is the money part cause I couldn't work I couldn't find job


couldn't do my own business also, so it's like, because I got both positive and negative, but I feel the positive part was worth it


ah ya correct because when, it's okay lah at least I got I had a, had a strong bond uh bonding with my parents, so that's the part was really worth it


too much fights ah


there's too much nagging there's, stuffs lah, like next topic ah


if it's one or two easy to share got so many, and , maybe mine is like, you know me and my friends ah went #pulau ubin#


you know you you can't all, the Haresh all my, secondary school friends we all went #pulau ubin# so, it's like we went this cycling Ulu place uh how to say it's like, really but I never seen before so we never go so we asked the people they say don't go inside there like got dogs all we didn't care lah says don't care we don't care just we went inside


I the first one to say come come don't care them all just follow me like that then we went inside already, go there got the two rottweiler I think, and like I hate barking actually at this time so I say stopped already, then got this uh there are others all like


, oh just go in front like that want to, ah they tell me lah why you stop like that I say , uh they I quite lazy just you all go first I quite tired like that then they went first like this Haresh went first then got three two or three rottweiler barking already but when the barking like get closer already lah I turn and run away already they all still like very far away


then like just nice what are this Haresh like shout lah like really damn loud, let's say just around like that then they all finding for me thought I missing like I going to get stuff but I actually escaped already so because of me they almost Kena


that's one of the story lah


come on lah be ourselves so I can tell you all jokes so many , how were y'all table dancing !huh!


okay


because uh wait ah sorry ah, ah ah no no continue continue


oh okay okay okay, (uh huh), !wah! how much is the watch


damn


oh you still have the scar till now, !wah! , Jialat


the worst part is the scar, I mean you will never forget your friend ah that one, next topic ah


!wah! I cannot see describe a, oh it's easy lah


for me is just I chicken Briyani, yes, that's one of the best food I ever tasted in my life


I mean it's a beauty comes from everywhere bro so I won't choose randomly you know something like that lah


oh okay okay


hello


wait how do you you like that


most of this is the past one minute I couldn't hear you [lah] I just reconnect the airpods


financial related topics


alright , so I'm guessing we have to answer a few these questions and, fill up the twenty minutes here, uh so, what is one financial advice you will give yourself five years ago


uh ya ya ya, I think five years ago I'll just tell myself like , bro don't spend so much money at seven eleven buying slurpees, ya ya


but I mean you eat your food, ya but then again like when you're a kid, you don't really think that it's like, , you need to save so much ah because like you're only saving what, one dollar maybe each day


which isn't really much to me ah at least, but if you think about it long term, maybe like, ya


that's true, that is very true, ya or like, if you told me five years ago lah I'll be like man, I'm too lazy


if like if you tell me five years ago I should start saving money I'll be like man I don't really think, ya, I don't know I feel like five years ago I wouldn't need to give myself financial advice because


like I'm too young to understand what is going on actually, you know, maybe because uh what if you're five years ago if I'm like what nineteen or something, then I tell myself for financial advice then that will be different but I'm like fifteen


or like sixteen I'm like , there isn't much you can tell myself to do, because I'm not earning money or anything ya, ya


ya can , should you do it yourself or get a financial advisor to plan your finances what do you think


no no no this is the would you now, get someone to plan your finances or do you want to do it yourself


that's fair, I mean, for me I know a little bit about financial stuff not much, but like I think, right from the start right I think I will get a financial advisor, so I can learn from the financial advisor


you see, so if I learn a bit more and then they the way they they uh plan my money and my finances, then maybe I'll start to do my, start to plan my own finances in the future


so just do it yourself lah, ya, when you think that you want to do it yourself first then after that you get a financial advisor lah


that's fair, that's true well


like I don't know ah maybe, !wow! okay, oh, I don't know I forgot what I wanted to say uh or once you said next topic I just moved on


okay, they said uh what can you do to earn extra income or improve your income level, ya that's true but like I don't have much to say about that


because, there's not a lot of allocating I'm doing right now, right, ya ya


I have this app


I mean I have this app which helps you invest but it's more like the company will help you to invest, then you can adjust your risk ratio, whatever you want so if you want to buy more stocks or


indexes that uh volatile that means like they can, increase or decrease the price fast, uh I mean you can increase your risk ratio that way, but other than that


uh ya this that app I'm using basically helps me to, it helps me to invest the money ah, so so I have one app will help me invest


uh I have another one to, ya ya ya so like I have an app to help me do it all I don't have to do any research or anything for that, so like that company and that app will help me do it on their own


and then for like my savings I, whatever I save I I put it into my investments so, I mean to me it's better than putting in a bank and like there's a small amount that I'll keep to myself, just to spend uh but the rest of it will just go into my investments


because I feel like it's better to keep it in, somewhere where you can grow your money instead of, uh keeping it somewhere where it'll just remain very constant, and, since I took business when I was in , as my diploma I I know that


keeping your money in the bank or keeping it on your own hand, uh just makes your money become like it'll decrease the value of your money over time, ya, what about you how do you manage your income


okay, okay I mean that's a form of investment ah if you are investing in your own business, you know right


like you are hoping for your money to grow or become bigger over time because you're putting money into your business lah, so that it's a sort of an investment I would say, ya, so you don't have any savings one ah ,


right right right same same same I mean I I don't put that much into my savings but I put mainly into my investments, ya


okay , that's fair that's fair, uh okay next topic uh what can you do to earn extra income or improve your income level


, for me, what I can do to to earn extra, to earn extra income ah, or improve my income level, , I mean right now I have a lot of free time so uh I can definitely find like a side job or business


to join for me to earn extra income, but over all, (hmm) , I don't think I would want to I don't need to have an extra income for myself


or, uh like at the moment lah but to improve my income level maybe I will, , start to have a budget to be able to, invest my money by myself, but


also there have budget is like, I can if I lose that money it's okay you know, maybe maybe if I keep like a thousand dollars aside or like you know a couple thousand dollars aside, and that that is the money for me to be like okay I can, do whatever I want to with this money


so I'll try and invest in whatever I feel like it's suitable for me, but that is me trying to invest lah, ya it's not a , it's not like I need to depend on someone


you know I can go for like the risk ya stock I can, and like if that makes more money than you will make more money but, ya that is one way I think I can think of improving my income level, what do you think


that is true, (mmhmm) so what would you do to


ya, okay


okay lah at least that sounds quite reasonable to work hard and work smart I mean those too basically go hand in hand lah if you really have to, uh, make good money and not spend so much time on


like needless things ya, okay you want to go next topic


oh man habit of saving, uh no eh like every month or something I would say every month ah or every couple of months, I don't have a habit of saving but like if I get


a good amount of money, I will definitely think about saving you know, because I don't get money like every month I get money like maybe a chunk and like, once maybe like two or three months


and then I'll be like okay, I need to put some aside you know but I don't know how much, ya, it's just like a thought that comes across to me but I don't think of it as like oh I have to save or I have to do something ah


ya and, I don't think I have a savings goal so uh there's nothing to meet, you know, there's no like level or, like


savings that I'm like okay I need to save like maybe, ya ya ya I'm not financially tied that's it, I mean I don't really have much, ya ya I don't have anything to pay for uh that is, uh I mean the income that I'm getting is not very stable so I don't see a point of saving right now


you know that much ya what about you


ah okay, so you have like short term goals lah


(mmhmm) that's fair, okay next question is how do you spend your money, and is your expenditure means your spending


like justify, and oh what have you been spending too much on, , me oh man since this uh


uh COVID happened, I, there only like uh a few things that I, honestly spend on, which is just like uh food and booze, ya that's it because I have nowhere to go uh, I don't really have to meet my friends I do have food at home sometimes


so mainly just food when I wanted or when I feel like I want food, and booze honestly because, , I drink with my family members, so ya


what about you what do you spend on, ya just touch your phone, ya ya ya so we can finish up the topic after this


so just say what what do you need then we finish up lah


but that's only if you stay home ah, that's true, so that's only if you stay at home lah when you like have more money for yourself lah


(mmhmm), okay lah I think we have covered most of like, the topics already and the questions, uh, how do you see yourself managing money in the future


how do you see yourself managing money in the future, what, I said how do you see yourself managing money in the future


ah that's just my question lah just to finish this up, ya, how do you see yourself managing money in the future


I let me let me answer the question first ah, you think about it first to me I feel like in the future I'll definitely hire someone, to manage my money for just, give them my money and I'll hope for the best, of it ya


what about you


ya so you will do the same thing lah you lah, you will get someone to make profits for you ah, and, like run your business, okay that's fair, okay I think we have covered up most of the things we want to talk about already


for this topic ya, think has been a not bad discussion on like finance ah basically, ya uh, I mean what you have talked about was quite in, quite decent when you said you were


the way you spend money and all I mean, I'm guessing you definitely changed [lah] over time, ya, so it's moderated, yes that's some


negative experiences, alright, so what are some injustices of the world that make you angry


(uh huh), okay I'll just talk about the trends ah, I mean uh the most recent one, uh like the injustice over the world will be uh the black lives matters


movement happening in america right now, like uh the whole like, ya like the whole racism and uh, like people not thinking that other people are supposed to be on an equal playing field as them


like on the same level as them lah which is, I find it kind of stupid because like everyone is born to be equal, you know I don't think you should think of someone less than yours because their skin colour is different, or anything you know uh


ya like that has like really struck a chord ah, because like staying in singapore, and being one of like the most minority group, that we are, ya


ya, can can ya so that movement has been like, most, eye opening one because I didn't know much about racism in america until like, I have been seeing it online


and now like the the how big this movement is just shows like, how badly the people there are being treated, you know, like other than the, white americans that are there but like everyone else


has been having like a, horrible time just dealing with life and society every day, ya I mean that's what makes me the most, like frustrated, yes, hearing about it that just because your skin colour is different is why you are being treated vastly different


from everyone else around you, ya, what makes you angry about like the world


ya I mean you're not protecting the people you're harming them, and you're like, where's your standpoint in like like society right ya,


ya that's true, ya


ya I mean it's not a matter of like choice ah but like it has to be done ah, ya that's true okay, ya for sure have to definitely do their own part that's true


uh okay let's talk about something else , what is the most embarrassing moment, for you, uh just one lah no need to know all


okay, I'll I'll start first ah oh my god I don't feel like I should be sharing this but like screw it because it's happened so long ago uh, so I was in secondary school and I was in a mixed school lah by the way


uh, so I'm in a mixed school and then uh we all have to go for, our physical education our PE, right so we're like everyone like go to the toilet for change and like or they change inside the classroom


and this time I was like sec three or sec four, so I was already wearing long pants right so I'm like okay and then all the guys usually wear their shorts on the inside, I think you can tell where I'm going with this ah , and like I thought I wear my PE pants inside but then I took down my pants


and then I was just in my underwear the entire time I'm like oh and then I like then like and the thing is right most of the guys already left the classroom, and it was like, like six or seven girls inside there


and then I'm there in my underwear and then I'm like, ah shit, what have I done , ya that was like one of the most embarrassing moments, even though nobody ever talked about it after that


but it was so embarrassing to me ah like just having to take down my shorts and my, my pants are not there, and I'm there in my underwear oh man that was horrible


ya, what about you


uh ya ya !wah! then ya


so we have covered , the injustices which is like the black live moment right now in the US that's annoying us and my most embarrassing moment was, me taking down my pants


in the middle of class, and people looking at my underwear, uh, I think these two points were like, a lot talk about lah for us, uh


ya ya ya let's move on, describe a moment when you felt that you were treated unfairly, , ya


only chinese oh man


oh ya, I have had so many of that also man, like a lot ya so crazy how like you are not given a job or like you know, which brings back to the whole racism thing ah you mean you ya like why do we have to go through these just because we are of like different race


like I mean we can do the job exactly the same way, why does it not like if they're going to take pictures is it not going to look like, picturesque for you is it not going to look like nice in your picture or like, you feel like you should give


the, majority of the people chance instead of someone who's actually asking for the job you know, and you're just like okay uh why am I even doing this or like why am I even here, ya that's kind of sad ah to know that people have this kind of mindset lah


ya from, , for me the, I think the worst thing that I felt, or like the way I've been treated unfairly


was, man !wah! I don't really know, is the mainly like the jobs thing, but I've never really felt that unfairly treated in like some other aspects


I mean in primary school there was this once uh I was uh trying out for basketball team, and , I was I I felt like I did better than most of the people then because


no one was able to dribble as well or like shoot, like the balls as good, you know uh, and then I was and then the head coach always ask me to like when because I joined the school team


and then I was in the training and like and all of my other teammates were all chinese lah basically, because I grew up in a predominantly chinese neighbourhood and also chinese school, ya ya but, when I was trying out for that


uh team and I'm inside uh the coach always made me only me, run like extra rounds, and like do extra things or like carry things for him and like I was like, he's


like his maid you know, basically I was like forced to do services which I was not supposed to, you know then I was just like, why am I only doing this, ya, then I'm like why am I only doing this even though I'm like


I didn't I try to not show any attitude you know, I had people who behaved worse than me in that, in, but somehow I was the one who was always, like to do extra things compared to everyone else which I felt was quite unfair that point in time


cause to me I didn't feel like I did anything, so, him like treating me that way was like one of the worst ways for me to be especially as a kid you know you you teach a kid to be doing all these I mean you can see it's hard work


but if he's seeing everyone else not putting in the, or not being forced to do what, I'm doing it, it just hits your, like uh motivation levels, to be like why am I even here


and then like after even like a couple of months you just quit the entire team then I was like ya I know, I'm not I don't want to be part of this place at all ya


, so we basically went back to like the injustices of the world that make us like shake, fear uh can can


uh, !wah! I have no idea man shall we skip this, ya let's just skip this


uh, oh I have one , so I was in vietnam with my friend, and then uh, we went to a club and he got


really pissed drunk, and, and then I was like okay let me get this guy back home and then like six other people who I didn't know but was friends of my other friend, then I was just like uh, who are these people but like okay


so anyways going back to my friend I helping him out of a club and then helping him get in the cab okay, and, so I helped him all the way to the cab and everything and then my other friend was going to follow him back home


to our place, and this guy decides to vomit on my pants, I so I help my friend get inside the cab, then he decides to and he vomits on my pants


right when he got in the cab he just looked at me, and then he will vomit projectile it just like all the way out then I'm just like oh, man, oh man, it was so disgusting and like


we had spicy food that day so you can see all the chilLies and all on it then you're like !wah!, disgusting sia bro, ya like you helped him then he do that then I'm like !wah! Jialat, ya


that was, ya ya that was like the most awful moment, after I help someone, ya


well


damn right, ya I mean you pick and choose ah but like you will never know what they really are as a person until you are, like in deep trouble or like you are going through something


that's when you find out like what kind of person or like how they view life as, ya but man that was horrible on your part like, sucks to hear that guy just did that


but would you say you forgive him now or do you, you know oh okay, okay so not as close or not as you don't trust him as much as what you used to


okay that's fair, !wah! okay, let's do one more , what keeps you awake at night


oh man, !wah! there are a lot of things but like, I would say the main reason what keeps me at night, uh keeps me awake at night is, the reason of life, like why are we alive or why is there have society like you're running and why is there no other


living creature or alien out there, that, has been coming out and speaking to us why is it only us, ya, that's what keeps me awake at night what about you


what do you mean when you have a fear of your life


(mmhmm), damn, but


okay so you say that you, you what you think about is the future that scares you right, so, what is one thing about the future that scares you like


that we will not be able to find a livable society, or we have, a society where we don't have enough food but everyone gets along


ya ya, like just pick one out of this two ah, the second one ah so people don't have enough food but they can


but they are able to live with with each other peacefully, , man I'll pick the same thing lah but I like food , ya, ya I think that's about it lah about for what we need talk about so far I think


this experience this talk about negative experiences in our life, showed us a lot of things and what we needed to talk about I mean I understand you better now that you have, talk about some of the, embarrassing moments or the racism that we have talked about which is


which brings us closer I suppose or not


positive experiences, alright , so, what makes you persevere lah


what makes you want to, (hmm) can can can, what makes me persevere is , honestly my retirement because I want to, retire in a


I mean definitely I don't really want to retire in singapore but like overseas where like I have my own house, and somewhere like , more country, so I have space for myself and my loved ones to be at, you know


I just want somewhere where I can just move and, not have any problems or consequences just for being there I'll like, able to grow my own foods and farms, uh and you know do my own handiwork you know build my own house maybe near the side


just ya that is what honestly inspires me to, like, move on in this world and like do and like work really hard right now, just to make that dream happen, ya what about you


ya do you like that's what I'm hoping for you know so I work hard now, so that I can achieve, a peaceful life


in the future when I retire, ya, what what makes you want to, do the work you're doing now


your final, alright till your final days ah, okay so you want to just keep working and keep making money for yourself ah, all the way ah okay ah then


that's nice when I mean like a lot of people think about like, wanting to, earn money all the way they like people like me who think about one day they will stop making money or like, stop having a job ah I would say stop having a job and then like


just relax lah for almost all your life, or like like the rest of your life or whatever that is ah, ya I mean, I would I hopefully want someday to be like, oh I don't need to work or I don't want to work and then


I just stay at home and do whatever I like and what I feel like I want to do, oh ya I mean working all the way is also not that bad lah honestly, I mean your time is occupied you always have something to do and look forward to


there's always a goal lah basically, ya okay, then next one is in, the post COVID world so after COVID, who or what are you now thankful for or appreciative towards


!wah! in, after COVID I, appreciate how much free time now you have, here


I mean there there were some days where I just sat at home and not do anything at all, you know and then I'm like, I wish I I did something when then again I cannot go out to do anything also


ya, what about you what what's your, (mmhmm), (mmhmm)


ah okay, (uh huh) oh that's nice man


like worth you like, worth more worth than the negative lah, like you not being able to earn money it's like I mean like ya, to you was like ah it's okay as long as,


man I have the exact opposite, I mean like I also wasn't able to earn money, but then like my parents are, my parents just keep talking man shit uh they it's like a nonstop nagging I'd say not not even nagging but like


they just, keep talking you know and it's always about nothing and then you're just like man like I don't mind hearing it once in a while, but then


when you start to, always hear their, like nonsensical uh topics that they talk about, like, oh five G affects you like harmfully that's why there's COVID then I'm like oh man


what am I getting myself into , you know and then I have to sit down there and explain to them why it's not true, and stuff then I'm like alright, okay that takes up a lot a lot of energy just to explain


and then like ten minutes later they come back in the room with another stupid topic and then you're like oh man have to do this again , ya, alright ya that's man ya