except for the fact that uh it's in spanish so I can you know, uh I was learning spanish so is kind of like training my ears to you know understand what they're talking about so, that's the only positive takeaway, how about you do you have any positive takeaway from modern families


(hmm) that's nice, so do you have any, memorable travel experiences


I see


uh, not really, not really travel a lot but I've travel, to a few countries ah, so I think my most memorable one will be trip to india, so I went to this uh


city called Ooty, so this Ooty is like very cold you know I always wanted to experience how it feels to be like in a cold country so, Ooty was pretty cold about like, around ten degrees ya so I think I have a


a memorable experience there, I went with my uncle and, my brother so it was kind of a, retreat after my, ya kind of forget all thing, it's not my family is just my brother and two uncles so ya partially okay so ah ya uh


we mostly went for sightseeing, (hmm) we took a lot of pictures, ya so you know we did some kind of like modelling also cause the scene was too nice very scenic


it's too scenic ya so, yes definitely I mean singapore have their own uh scenic places so each country have their own ya, so what other what what is one of the country you would like to visit someday


new zealand


do you have any savings that made, do you have any savings made, for the plan, , oh it's shuttered it's shuttered okay so what are you thankful for


okay, ah I see


okay , ah I see, (mmhmm)


(hmm), shelter yes, so I am actually thankful for, what I have also like around me, I'm thankful for the people around me and also, like the basic necessities, yes


so is there anything you, hate as a kid but love, as an adult now, maybe I can share first


uh okay so what I hated, actually is a person so I hated my cousin when I was young, and now I love him, so it's like you know like whenever I see him like I I can't stand him, so I was like always like you know


to the kiddo fight, with him, argued with him and always like you know disturb him and he's also disturb me and like, you know hit me like we hit each other, so ya but after you grow up we're more matured and we started to realise we have like similar taste and stuff


so, now we use we, we like play the same games, yeah I spend time together ya, ya and also, ITE yeah it's I mean no need say so is yes


ya so how about you oh


oh, so like plain water


so you hate hated ice cold water, oh okay


sugar rush, I see, uh


so what are your you mentioned just now like, you know you saving towards a marriage so I'm sure, you will have like lots of things you admire about your partner so what are the three things you admire about your partner


so is the baked food your comfort food, oh cheese cake your comfort ah I see


it's nice


okay


yes nice, , ideal life partner , think uh I don't have much I'm not so picky I'm just hoping for someone who understands


like you know understand each other so not going to like you know uh be too picky ya, so I think it's best to be like that, ya, uh used to be, like in during poly but not anymore


(hmm), cheerful patience


no ah it's too enough, okay I can I can list you can keep this thing I think needs to patience know understanding ya


uh, physical I say physical like your parents ya


from one out of four ya


how do I select from on top


hello mic, ya I think finance is a important thing for everyone's daily life


cause if you don't have proper finance management you may end up not having enough savings when you actually reach a certain age where you actually fail to retire you'll be actually forced to work out be on your comfortable age let's say about fifty five years old and above that's where people usually want to ideally


retire and actually enjoy the money that they have actually accumulated so it's more to wealth accumulation over the years where you actually started you journey as to start earning money after your degrees or your education what do you think


passive income actually a great option because you know that there's always income that is consistently coming to you over a period of time however there is always a risk in passive income as well cause if you are too dependent on a passive income you might actually


affect your work ya when the market drops or when you actually like in terms of rent in terms of your asset investment if let's say you don't have a tenant or anything else that due to some like you can say like COVID is example like this situation some tenant might not be actually willing to actually get a house outside they rather stay in a comfortable zone


and also people and also as a landlord you wouldn't want to give anyone any place to just rent your place too and you rent a place to any people lah and also, imagine if you share with people like five people in a room is also danger because each of everyone will have a different working environment and you they're more exposed to threats


meaning like a household might have one person having COVID and he bring into the place where everyone will get so is also in a way that it might affect your passive income


I mean there are some insurance companies that actually provide savings plan where you actually, instead of like you having money to just spend anyhow you have it in a in a safe place where you know that there's a passive earnings and there's a return after a certain years of time


period of time so that's one way that insurance companies or bank especially have a savings plan for everyone i mean every individual, but also for those who are willing to take the risk there's always like shares and stocks I mean rent is also actually a very good way of earning like what you said asset investment because is more of the most less risk and high returns kind of thing


so the more risky ones maybe you can see but you can see a more higher return will be the shares and stock market, by by during the COVID period there's a there's for example Tesla had a major crash, at the period at the start of the COVID period but they actually rise five times more so during the period where Tesla shares drop people actually went to buy and they benefited from the five times increment once the economy


once the Tesla shares actually went up even in the spike so these are ways where where actually can manage to gain wealth accumulation over time


ya, definitely one thing that everyone need is a necessity will be, life insurance I mean like if you are actually like after a long period of time I mean you don't you will not know what happen to you and you ensure that your loved ones actually protected afterwards especially if you are having a family which is a very important to have like a backup for


when you actually there's something happen to you like you don't know workplace accidents is quite common in singapore so in case of like any accidents you actually covered the unforeseen circumstances you actually covered in a way, to protect yourself and your loved ones more importantly and is also very good for you to have like the hospital kind of insurance where where actually your hospital bills are actually subsidised or actually fully covered depend on what kind of premium you pay and what kind of plan you actually under take from an insurance company


ya but if your, no I actually actually I agree to you that health insurance is more important because I mean it it helps for everyone at everyone at different age like


if you are a student you I mean if your parents are not really earning you can't really afford a life insurance but the health insurance is slightly cheaper and there's also a CPF paying option and where you actually using your CPF money to actually pay off the health insurance premiums so you actually get the basic cover package


so there are many ways that government has issued us in a way to get health to fully, correct or not utilise the government policies in terms of uh insurance and everything especially the health one health insurance ya


yes health is wealth yeah you're right, yup


will you will you be able to share more because I'm not aware of this insurance


I see, oh you mean like these corporate insurance whereby the companies


reputation is protected I mean I do know about cooperation having take the work injury insurances for all their staff and also the public insurance policy for their reputation and in case the company has some downfall in terms of their economy


so they have yeah they do corporate companies do take this kind of insurance, to what to my knowledge ya, no I don't how about you


yeah definitely, I mean if you know someone there's always been, more of they'll be loyal to their companies are the ones that you should actually go for cause if I'm not wrong if an insurance agent shift a company that'll be another agent that takes over your insurance coverage so it's


sometimes you don't have a personal touch with that person and you have to start all over again so it's better to take with someone who actually actually stayed there as a long term of experience agent advice you based on the situation you are in that's very important in terms of uh choosing a insurance agent so you can if you want to choose insurance then you should actually go around asking


your relatives or your friends maybe they have someone that their family has always been going to, there's more yes


yes correct, yes you're right empathy is key ya, true


the issue, yes you are correct so I mean since you're saying that your, you just graduated and you're actually looking to take insurance other than insurance how about your financial commitment before and after a marriage have you actually plan it


before you actually want to get married, are you actually planning or have you ever actually saved up, your finance ah how do you save how do you manage your finance in terms of marriage, planning


yeah currently, I have plans to actually get married maybe two years to one to two years time I've actually save up quite a number my fiance, so we have like a shared bank account where we monthly we put in some money which is comfortable for both of us and also because we have families to aim to take care of our family that support so


uh that depends on your, I mean for me, I like plan out the duration which I'm gonna save so how much is needed for a actually for a marriage which maybe a simple one, what's the cost of it so usually we get the quotation from vendor


and all those and also, so you were roughly gauge the amount of money needed for the wedding and also moreover you would even after you married there's also after marriage was, that's very important to plan earlier like maybe for your flats your future BTO flats


you need to have like some form of down payment, so if you are let's say if your CPF is not enough since you have not really started working you might have lack of CPF so that that's where you should actually have some concerns where you need some like about ten percent down payment


yes correct so


ya as I was saying lah you have to actually after your after marriage cost is very important at least like why I say the CPF contribution oh so you need to actually plan accordingly for that and also for your I mean renovation is always very expensive


so that too if you want to have like actually achieve something like your dream house that you come to afterwards, so finance planning is actually quite important at our age, whereby you need to lead a future and before you know it you may you might have a child if you don't really plan your finance properly so always have a child only when you're comfortable in terms of your finance situation financial situation


just more getting ready for the future, ya, so


I don't have a fixed ya I don't have fixed one, ya there's a target to reach in a short duration so that I get, so I'll able to know that actual amount


which I need to meet it my meet my target if let's say I put a fixed percentage, and might not have enough at the end of the day so, that's how I perceive this to be, but everyone has their own opinion what do you think about this do you think you your you yup


(ppc) ya, in a way if you say so I mean, yours is also a percentage you see, it's also of like a fixed percentage so mine is a a fixed amount so in the end I think it's both is a get a fixed amount for both


uh I get what you mean mine is I think my similarly I mean maybe I've may put it in wrong way right mine is also like saving that amount but not to meet that but to have a comfortable more money in terms like if I


go pass that amount is also okay, that is to have like a safe obviously I will plan for buffer cause of we might not know the prices might rise in the future that what you said which is very true prices tend to rise and everything with the GST you might not know if the year local government would actually raise the GST


so ya I agree to certain extent that that should be also be monitored,


currently I don't have any parents I mean parents are working, so ya so basically have to cover the household expenditure such as the marketing the basic necessities like and also the utility bills and all those


so part of my salary will be actually part to that said that part of the the household expenditures, uh not really I have my have a sibling so my brother and me are actually working hand in hand, to actually ya to manage the household expenditure and also both of us actually have like some form of savings so that we can actually plan for the future rather than both of us being bankrupt at the young age ya


not really I tend to I try not to cause uh my actually planning for the marriage and all that so, I mean ya in I'm


you can say that you are a smoker also yeah maybe like spend on cigarettes and all those, uh not really lah, ya


ya, then, five years ago, not to financial advice is maybe not to spend unnecessarily and to take insurance at early age and also to I mean your CPF actually has a


a special account where you can actually use the money to invest in so five years ago I will told myself to actually start using the money to actually start investing at at the lower when it's really low I start investing earlier so this is how you can actually grow your wealth in terms of CPF


money rather than taking out your physical cash to invest so many people are not aware of this special account like me I was not aware but in university we actually learn how to manage your own finance so, that's where I actually learn about this special account and the investment you can make through this special accounts to expand your wealth in that way manner because some people say that I mean most of them making noise that you can't really take your CPF money out but you actually you can improve your wealth in that manner


so at the age of sixty five even you don't have physical cash you have a lot of money in CPF so you can actually retire peacefully with the monthly payouts the government give after you reach a certain age, what what's your perspective on this


what would you what advice would you have given yourself five years ago


I see, no I don't have a credit card at me I don't, I don't think, I don't think I earn enough to actually own a credit card, so ya I think there's always a limit where you earn that you have the luxury of actually using a credit card so I don't think I have that form of luxury as of now


okay so


part three negative experience


hello yeah


the greatest fear of, I mean everyone's fear is actually death maybe for me is death so yeah I mean death can come at any point of time in your life so even neither the fear of actually dying and not able to actually give your family enough is form of my greatest fear


I mean, there's this in my point of view ya lah because uh cause, you when you leave the world you not relieving yourself I mean unless maybe you are single and you don't fear death but if like let's say your family and you have your duties and commitment as a


as a brother as a father is important that you go off with, you leave the world you providing enough for your family so there's not really I mean sorry not the fear is not death but not being able to give my loved ones what I need before I leave that kind of fear you get what I mean


ya so like so if who will take care of the of the phobia or ya I'm scared of heights, , oh I see we shared the same common features I guess


have you ever been in this situation like claustrophobic situation


uh I'm not fear of being in a small room but I'm fear of heights so there was once when I was a in my secondary school


they actually ask us to do like the those activities like flying fox at labrador park, so actually I was afraid of heights but I thought I should face my fear so I went to climb up a very high platforms so I use a wooden ladder and went to the highest level from there you need to actually crossed over to the other side via a wooden locks


so I actually didn't cross even one wooden lock I just actually freeze at the, top of the platform because I was so feared a fear of heights so I was afraid of falling down where actually I'm actually with the safety harnesses and everything


so ya, ya ya ya yes yes I'm alright


but the that is like a training and that you will be based you'll be based on I mean your performance as a recruit in army will be based on that so how do you actually surpassed that fear


so will you like in a very stress position when you actually trying to complete that particular hurdle


now I see understand


the saddest moment uh can you start first ya I would what's your saddest moment I'll discuss my


oh yeah


the elementary one, yeah uh I mean I face the same problem I couldn't do additional mathematics so ya yes, so ya I actually didn't do well I got eight appoint eighty for my final exam so my teacher actually asked me to to give up


honestly very reluctant and was quite sad but she didn't want me to actually take an unnecessary subject putting pressure on myself and not focusing on the other's input, other subject because I mean to be to go into a polytechnic you just need a L one R four around five so it's like you just need another subject so that time was already taking seven subjects


so even though I drop that I still had enough subjects to even go to JC and poly as well, so so that was not issues why I it was quite sad but I had to do what I had to do cause it really takes in a lot of time because I didn't even know the basics of additional maths when I was actually study so so it's actually quite sad there to drop it


ya actually I love maths but I think when I was in secondary school I was too playful I didn't really focus on maths much so, that's where I saw a decline in my math mathematics and science result so it was quite sad about myself like but more of frustration that I didn't put in enough effort to actually do well in my maths that I used to do it when I was in primary school


no I don't I didn't cry about it I'm more of a positive person than a negative person ya, (hmm) there was one of ya there was a hindi film but actually I err


I get a bit is called is called, it's called a plays what you know no no no it's sorry is the movie is #bajrangi bhaijaan#, ya I think that movie is that movie will I think will make everyone tear so ya it was quite sad of the struggles of a man actually get hit the little girl to cross to her family


and you have to cross borders to do so which shows a lot of courage, and all those boy ya, is being lost, india yes correct so it's about the courage of that man going to a country which with different ya with different religion most importantly when he was actually a hindu going to a muslim country was actually very hard for him but he actually accepted the traditions and culture it shows that everyone this world should actually do so


is the instead of having the differences and fighting over, conflicts ya, yeah it's a very, sad experiences and then emotional ya


what, anything that disgust me let me think about it ya sorry, I I I can't understand the question sorry


maybe you you start okay maybe you start first so I can understand what you trying to say, something that annoys me the most uh actually I don't like, kids screaming ah


so that annoys me quite a lot, ya so it actually I mean maybe it's the high pitch they have is the kids children actually have which I actually, do not favour, ya so


ya but something that I will bear maybe I have to bear with in the future but as a child I would not is is because of the, there were noise they make and more of like a very quiet quite person which I don't I don't prefer to have a noisy place


how about yourself


oh screechy ah similar to the kids screaming ah human ya understand


oh I see


instant goosebumps maybe maybe that's more of like auh the incident happened the army my army camp whereby uh, there was no one but I actually heard the tap all the taps running so, when I actually went there there was the the tap it actually the tap stop running and there was no one in the cubicles as well so that gave me instant goosebumps so ya so the spiritual and stories in army is quite scary


yeah supernatural sorry not not spiritual ya sure ya


yeah


now I see


so you actually slept through the whole night


oh, every every man for himself ah I guess


, oh I remember you mention about yourself actually sitting down in a cabinet on the top of the cabinet you uh oh so that


I see I see, yes ya like the one I told that ya so can you describe where a time where you feel like nobody actually care about you


is he


I am person that if I feel like, uh I feel like, there's something wrong and I need someone talk to actually talk to yeah my cousin or my best friend so I feel that there's they're always there for me so, no point of my life that I feel that nobody cared about me because there's always someone actually asking how am I how am I doing and all those even my my girlfriend my my girlfriend ya actually she'll be constantly asking


if I'm okay if I don't my voice don't sound right, that that means she knows that something is wrong, so ya I feel that at that point I don't feel I haven't felt that way and I hope not to feel that way


uh ya they're, back stab uh I don't think so but uh more of like a betrayal I would say but uh


ya it's more of my so called like girlfriends last time so ya , so he actually dated her secretly that kind of thing so she is more of like betrayal, but not actually not my girlfriend lah at that point of time he usually talking to her when I was in relationship but after we broke up they immediately got together so it's something like a form of betrayal I felt at that point of time but after when we when we grow up and we think it was actually okay


there's there's more of like yes it's more of like a betrayal for me how about yourself anyone has ever betray you in that kind of manner


I see, no maybe you love ya


the saddest scene ya would be, saddest scene would be my when my father passed away so ya so it's like one of the most uh emotional time of my life


so ya at that point of time I was quite down but I have relatives wonderful relatives like I said that care about me so cheer me up when I returned to the army one of my army mates actually talk to me cheer me up crack some jokes so that's very important to like have someone always around you during this kind of tough times that


and you when you actually serve face witness a death in your family, ya there was one of the toughest time how about yourself


you sad scene all in movie one ah your life very happy , haven't


, oh yes oh I see I see, you do you like actually witness it or you were there after the incident


so you so you did not witness anything lah, is, oh I see so it's more of like a scenario kind of thing


I see, ya true is like join not just thinking about himself being a selfish person I'd say


sorry, uh I often worry about my health so ya cause I actually I'm a smoker so ya so I tend to actually


uh I'm not that fit so ya you can't see my body yeah yeah yeah so it's more of like the cholesterol level and the okay smoking and all those so that's more of like, worry about my health more that I actually had to take care more and try to quit smoking and all those ya how about yourself


what do you often worry about, I see


oh that's very good, so how do you feel after you actually stop


you usually meet your friends and all those is it, oh then it's good it's good that you share your tips with them and how did actually he did so that he actually can actually try to follow you


thanks for your sharing


part two


positive peace, okay, hello man yeah hello mah


sorry who, food you mean okay ya, ya I love food ah


the best meal I ever had (hmm), I would say is my auntie's cooking I mean she already a great cook so she actually cook for certain she only cook for certain events whereby I whenever I attend I actually take the luxury of having the the food and I think is the best food that I ever had


how about you yourself, for restaurants, I mean the people on the cuisine uh for western I would say the malayan council I feel that they have actually very good range of western food and it's also induce with uh asian cuisine so actually is a mix so it's actually quite nice when you usually combine both


so is so is like the best of both worlds being asian and you also get to have the western touch in your asian food, how about yourself


okay yeah, ya I have a reserve


so it's more like a is a is a fast food outlet like subway when you get to choose your ingredients and outlet am I right just to use to customise to your liking, yeah okay


yeah yeah yeah I've been to stuff'd one of my cousin actually brought me to stuff'd, to actually try so ya, ya apparently yes so yeah so we actually actually I tried stuff'd and actually I quite liked it cause you get to actually customise to your liking like ingredients something like subway where you get to choose your meat


so I really appreciate if let's say for those actually looking to have a special diet they offer you everything like I mean those who actually don't care about diet also that is option for you , to actually get all the sauces you want the meat you want and all those there's also rice option there's also corn option as many other options which I feel you ah what you say is true


it suits to everyone's diet especially for those who actually gyming especially a certain diet to stick to and also the calories and the amount of nutrition they have to consume, so it's like it suits to their kind of market which I feel


ya agree, yup, the comfort food I would say is a, McDonald's


I mean everyone love McDonald's so ya since young I've always eaten McDonald's and not really much of the other fast food fast food chain so, I did enjoy that part of, I really enjoy McDonald's a lot so, seventy five have to look forward to a food that I can eat everyday ya that will be McDonald's


yeah yeah to cheer me up why not, so, then continue, how, no other than food, what's the like the nicest thing that


anyone has told you, about yourself yup


, the nicest thing someone has told me is more of to my manager my previous job


he lay commended of my work and he appreciate for the amount of effort that I put in to actually make the, operations run smoothly, so that's one of the, so that's one of the nicest thing somebody has ever told me because my previous managers has always, been tough so they tend not to give you they they tend not to over compliment you


to so that you actually stay in, so actually work harder to actually surpassed their expectations so when you actually so to get something of their mouth like like a compliment or anything it's actually something that I feel is a proud thing because they do not compliment anyone that easily so yeah that'll be one of my the nicest thing that


manager has told me, the he liked my attitude and how he said that I will go for the new height and that's that's something that you boost your confidence to work harder and to achieve, further height, greater heights ya


yeah I worked well with my team, and usually and I be tend to feedback on their, if I feel there's something wrong I usually try to feedback


and, get also asked people about myself like do they have any feedbacks, to actually learn from my mistakes the the to make myself a better person yeah


yeah I do, (hmm) my most favourite TV show is actually well I'd say modern family, cause it's about


the it shows families of, uh, many different kind of culture and tradition and also shows like the, older couples to the latest new couples so they have different kind so they have different kind of family like the one is the gay couple


one would be a normal family with three kids another would be a, older woman older man marrying a younger woman so this is what you will see in the late nowadays so it's actually show what every family and what the problems they face and in a comical manner


so when you having a tough day and you want to go home you I would for me I would prefer a sitcom where actually I enjoy and, is laughing about it after watching the show so it cheers me up that's why I like uh more of a sitcom so and anything modern family completes it and also like you can relate it to your life because it's it's a it shows a everyday challenge of a family how about yourself


no I'm not I've not yes so


oh


no, oh that's great, so so you do you watch it all the time or that's your main go to show when you are actually feeling down


so is like a positive experience whenever you watch the show


I see so it's more of like a, ya for leisure ya


oh is he it does interesting ya, nah I mean every family has their differences so, in a way you the show shows that how they accept each other, she even that like I said is all three different family but


actually they're they they know each other so how they appreciate each other even though they have different views and all that so it shows that you should not judge anyone and always look, at the positive side of things in life and appreciate everyone around you


yeah, uh actually I did not travelled a lot in my life so maybe the most I could say is my travel to KL with my best friends


so it's like more of a retreat after we finishing our, national service, so we spend time in uh KL in like the the resort and also the, theme parks where you actually learn get to enjoy like further heights I mean singapore is actually very small so there's only a certain


a distance that you shall see the resort can I mean the theme parks can be how big it can be so in overseas it actually bigger and more exciting and more thrilling I would say so that is a new experience for me rather than going to resorts world Sentosa and all those


how about yourself I presume you have been travelling a lot so you should have a lot of travel positive travel experience


family outing, yeah I see the that's like that's nice, what do you guys actually do do did in Ooty


oh I see oh that the scenery the scene oh I see yeah I mean you can't get that in singapore I guess yeah the the nature, but like ya I connect location


I would actually like to visit new zealand, cause I'm actually a lord of the lord of the so I'm actually a lord of the rings fan so ya, so the place where they actually shoot the film


is actually in one part of the new in one part of new zealand so I always wanted to visit it as a child, so ya because actually I supposed to go after I finish my exams and I thought finish studies but COVID came so ya my plans are actually postponed


sorry, ya actually I had but ya so now is different topic so we shall not go back to finance


yeah, I'm thankful for the luxury that we all get in singapore, I mean that's is a very safe and secure country there's nothing else to be thankful for that I mean women and any anyone can just woke up at twelve PM


and come back late at night you wouldn't be rob the chances of you getting robbed is very little , and also it's a race there's the government is very stable in terms of policies communicated to the citizens of singapore is actually very consistent but you don't see any you don't feel like there's much of a grey area where you need ya so is


quite important that your government is actually stable rather to give a sense of security and comfort for your, for your citizens so I feel that that's what I'm most thankful for, and I have a house that I have a shelter where I live in so ya


hate as kid, uh, I would say yeah maybe you just share first yeah


cause you


so he become the best friend, yeah that's nice to you that's very nice , for me I I, I didn't hate any cousin I always love all my cousins when I was young


so but, I would say that I hate water as a kid, so when I grow as adult I tend to appreciate water more actually it's more, it quenches your thirst thirst easily but as a child you actually wanted you want something sweet


you wish go for the like the sweet drinks and all those you really hated water because it it it taste nothing, so when as you grow older ya ya plain water I mean for me is the the colder version rather than the warm one, so also more of like ice water but instead ya ice cold water rather than the sweet


ya, no I mean I hated sweet drinks like sodas and all those , now now wasn't really but as a kid I love them cause it hype me up, as a child I'll be more energetic and all those, and but when I when I realise they're unhealthy sugar when I realise the unhealthy side of it


so now as adult I prefer getting cold drinks better more than the, prefer getting plain water more than sweet drinks ya


uh firstly he is a, she's a positive person in my life so she actually she understands me a lot so in a way that, even everyone isn't perfect so she accepts the way I am and I actually don't really meet her often cause of work and also my commitment as a I have a lot friends and relatives that I meet so sometimes I didn't spend much time but she actually understands and do not actually fight with me


over small things where it might be a problem if if she actually she fight over a small small things, secondly it's a, she's very loving so she always take care for me and always ask how am I and also that shows little love like sometimes she bakes for me stuff you know


so it shows that effort that she put into relationship to make things work, ya I mean she I love cheesecake so she ya she makes me cheesecakes and maybe and brownies so ya she's a very good bake she bake very well so ya


so that the more things ya, ya, thirdly she is a very homely person, so she's rather quiet than, ya talkative person so sometimes I when I prefer a peace and quiet environment she's on the she understanding and not made a lot of noise that will irritate me and she will actually try to understand the integration that I admit cause sometimes I face a lot of stress in work so


she actually be nice about it then she wouldn't she'll like be be alone and recall, things and yeah all that, what about yourself what do you see what's your ideal life partner


ya, (ppc)


so have you been, have you always been picky about this, , so what the ideal thing you, ideal characteristics you would want in your future wife or fiancee


sorry sorry, yeah you were saying about picky, so what you mean by picky were you like in terms of like physical aspect or the character aspect


so long understand


finance


uh okay for me ah, I think, we can look at like certain, ah, ah wait wait wait like


certain schemes that is being offered in singapore basically like AIA so like, ah personally, just as a young twenty-one year old I don't think most of us are actually well-versed into this, finance


industry so, searching out on google is easy as that so there are like five main factors to, helping me in this one will be like the topping up of CPF retirement sum, but I don't think that really applies us to us yet because we are not working yet and currently I'm serving in the NS


oh but when we do work we can look into this first we're topping up our CPF retirement sum and then one second will be singapore savings bonds which allows which offer a risk-free investment option to grow, our retirement nest egg it provides superior liquidity letting our letting us withdraw our money if really need it but recently as compared to as seen in the july twenty twenty singapore saving bonds bonds corporate suggest declined to just zero point eight percent per annum


so if you hold it if you hold it over ten years, yeah and I don't wanna be like saving plans which is a viable alternative through singapore saving bonds , but these plans are typically less liquid so we have to hold them for a fixed term to enjoy the promised interest returns for me personally my platoon ah my friends are doing this so like when we get our income for manners we may just set aside


a certain amount of money to be set ah to be put into this saving plan and we can't technically we can't take it out at all for a certain amount of time ya, and ya so I believe the saving plans is the ones that most of us are using uh right now what do you think (oo) your thoughts about this


ya but I feel like because of the low income we have right now I don't think we are able to actually explore into that for the moment, ya


, ya okay you say first ya


ya, tapping on your on what you said is like ya maybe we could like set a goal on like how much, and ah what you want to buy first and and plan out like, a duration of how much money we need to save to reach there so


like recently like we can just set up, for me at least or like my friends we set up like ah we put like half, amount of our pay or three quarter or anything that is suitable, so we plan out like by the end of NS for example we will have like a projected amount of money that we really saved


ya ya so since ah once we do that I believe that as we go on in the later years of life be it or working this like set amount already has been it give us like a, start option lah foundation foundation


to go so like starting will be like maybe the first thing that we want to do is buy a transportation be it motorcycle or like car for us to get around like to school or to work, so like my friends like motorcycles cost like probably relatively few thousand dollars or like five digit but they tend to look at ah cheaper options like second-hand so it cost like even up to eight thousand


so the foundation that is like that we set in this like NS duration gives us like that leeway to actually achieve the goal lah by the amount of money we set


well for now the financial commitments only is like the basic things lah like going out spending on food or loved ones and probably here and there like, ah, stuff that we want to buy on our own so I think we can just actually plan this out like we do like monthly thing ah how set amount of


things that we want to buy or spend and we work towards it lah so like for example basically we can like a suggestion would be first will be how much savings we want to save, then after that the amount of money that we would want to budget on and if we can hit on the budget and if there's any more extra money that we can save then we can just put it into the savings and that's where I think it will work what do you think


cut off more commitments eh


ya so I believe like touching on that leading up to marriage maybe like when we start working we take like a few years to focus on our work first and ourselves, and to build up your finances so we are sure that we are able to start a family then if not if like for example some people start off a family right after like they just started working they still fresh in the workforce


that's where the shock will comes in and that's where they need to look out into other options like you know financial aid or something to help them cope with it, which is like a wrong thing to do if you want to start a family ya ya so I agree with what you said lah to start like cultivating good habits early and actually take time to build it up to be really sure


that you're ready to start a family before even thinking of it lah yeah so what do you think of fire financial independence and retire early and what how do you think we can achieve financial independence as a young personnel young adult


of course ya everyone's


ya, yes


, and and investing ya and investing starts off with us actually having the money to do so ya


ya I like like you said like, as we're studying now also we can look into like side jobs, like as simple as like coaching or what and from that the money can be used, to even built up to like ah for example like


ah planning for our like starting a family or buying a car I think that it's also can be a place that we could look in cause I've heard like, uh stories about how a couple wants to start getting married but because they can't actually, have a job to work yet or they don't want to just rely on taking time to work in that ah taking time in building up the finances just as they are working so during their uni they will give like tuition nonstop everyday that kind of thing and from there they actually worked out there


and actually got married ya because of ah based on the money that they've earned through these side jobs and not just from their working job, ya, a lot in advance so


has what, recommendations, advise to what wait wait wait I'm lost already sorry


oh out that, oh okay okay ah, it honestly depends on how financially burdened the person is


, because based on personal experience like it really depends on how much money the person owes to actually paid off, and from, my advice obviously my advice my first okay my first advice will be to like whatever amount you have or you


are earning right you have to set aside the amount to payback off the debt, and forget of like the things you can spend on as as long as you are still in debts ah because when you're in debt you can't be thinking of !wah! I want to go out I want to eat whatever I want


ah on just Grab here and there that kind of thing so like you really have to be, like frugal in your spending to be able to pay off your debt as soon as possible but for me like, ah the personal experience that I heard is it takes a long like because like the financial debt is like really huge so how that person took is taking another credit card to pay all that debt first because it's so huge then after that slowly pay off the debt of that credit card


so it kind of is like is a burden either ways but you kind of like eases off the first big thing first then after that you can, ya but at least like err, you have more time I guess to pay off I'm not too sure ya


ya, more you've pay yeah


yeah, or just not be in or just not be in that simple as that,


at the moment no, but ultimately I feel yes like especially due to the financial commitments after marriage, I guess ya for now we can just like because we're we aren't earning much and we don't have as much commitments besides maybe ourselves or just like our loved ones so the amount of money we can always work around it without having a credit card so like debit card for now would be the most useful for us


ya credit credit card has the advantages like you know when you are in the family then you're travelling and probably overseas you have to spend money so that's where it comes in handy lah so for now I don't think we should own a credit card lah you just need to build up the finances first


ya on the


spend spend ya, ah yes


, that's true


yeah travelling


yes, ya


easiest things lah in the end ya ya so like, we now I can ask you is like how do we do you spend your money now like which expenditures justified and what have you been spending too much on


, how do you spend your money and which expenditure is justified


ya I think the app that you talked okay you talk


ya continue continue, yeah


of course, of course of course I think that app you are talking about is money right, yeah, which is like I think a lot of people using now and it really gives like a detailed view of like how much or what we spent on so like you said you really like makes us reflect oh shit like we spend too much on this really then we can be wary of now


because like previously before downloading this app I will literally just like oh pay wave here pay wave there and slowly my money just my money will just like go down and ultimately I was like oh I don't have savings for this month because I keep because at the back of my head I always think that oh I have the money but I'm not like


wary or like take note into account of like where my money goes to it could be like simple simple purchases like at seven eleven or even supermarket something like that but it all accumulates over the month, and ya this app I think eases it all ah


food as always ya because like, like you said we'll as much as we want to save the money we also have to spend on ourselves, and I feel like after a long week in camp you always look to having good food outside ya


and that's like I said in a sense like because we think that oh we only spend on the weekend we probably won't spend as much so we don't have to take note of where we spent but ultimately in the end it actually goes out a lot , like unknowingly because like we're just out like oh I just want to eat this now I just want to eat that now because I'll be in camp for five days but no it doesn't work that way ya


definitely to be more thrifty in my spending and like you said food has been like the major buck to my expenditure and I'm like a big eater so


so are we supposed to clap [ah]


negative experience, ya


, , I feel


like the way I react, to things, and the stuff I save from it based on the emotions I feel at the point of time without actually like taking time to think or rationalise and I guess acting immediately of the emotions


is something that I would want to work on and definitely change from the past like it could be anything is really like could even be a simple as how you react to situations in work


like if you were given a problem or if someone said a negative comment even though you've been giving it your all already you shouldn't just like oh uh be angry or like, beat yourself up for it you know ya ya so like definitely that is one thing that should be avoided cause ultimately if you keep harbouring that in time will be


build up and one day will just explode so ya, the I guess indulging in a negative feelings at that point of time immediately is something that I want to avoid, ya, how about you


ya I agree


that's true that's an issue, ya


my loved ones dying, cause like I do have like nightmares or like vivid, dreams about


and like I don't know like you felt so real that like the experience actually kind of like make me feel even in like in the real life like I woke wake up, and I actually feel like like the the agony and like, the negative feeling of like oh shit they are really gone or like oh shit that actually happened yes I think and like I would never never would imagine to have that actually happen in real life


because like they mean a lot to me and ya I really hope it'll never happen in the way that I have like dreamt of or like the nightmare ya, how about you


ya same definitely same


ya I can imagine, first like the ego first


ya that's why, of course, ya


just ladies first


douche bag literally just douche bag right there


of course, heartbreaking moments, ah, simple ones will be losing a final to your most arch rival


in sports, but I think like you say whenever you people talk about heartbreaking moments or heartbreaks usually comes in relationships, ya I feel like


ah never mind change topic ya


honestly I've not been keeping up the trends as of now so, you could say one first


oh, oh oh right right right right I think I've like those videos where, so okay


ya I think, it comes in the like videos where the partner will do something bad to the other partner or like put them in a bad like spot then after that like laugh about it when they react a certain way yeah I I think there's a trend


ya ya ya, ya it's actually really disrespectful I agree I agree


a trend I don't know whether this is the trend but how the way vegan protests, for ya I think ya they have like the how can I say they have their views on it of like why they want to be vegan or why we shouldn't treat the way that


we people treat animals to get like food and everything it's a fair point and, in the current world now we're open to like any views and anything but I've seen like videos of vegans having protests or carrying out a movements to portray how badly animals are treated and one of it was like they themselves act as a


as an animal for example like a cow so they put a like they put like leash to themselves and like will even actually branding their self with how you brand a cow you know and putting the hot iron into your skin and scream in agony to show how painful it is


to be treating a cow like that then after that like the way like basically how people treat the animals in like companies to produce the meat they do it onto themselves, and like it's a trend and ongoing trend to like like I said in a protest to be vegan and I don't think that is a right way to do it I guess waits for themselves also is like everyone can has their own views but you don't have to be like too much about it


ya that's like there's not I guess the way it's not a right way to send your message across like ya, definitely like something that I'm uncomfortable with watching it, ya so ya


, the question of describe a time when you felt like giving up maybe cause I have one experience, okay ya


I think the one like, uh it it came when I was training in OCS where I had to do this navigation thing ah alone actually in this like area specific area


of in a jungle ya so like as I was navigating we were supposed to navigate in the night especially and I don't know how we were going to use, not not don't know how but now I know but like using the compass and like just using like methods like tracing our steps the number of steps we take to account the distance we we need


to cover to go to the point right to objective, ah was that moment then was I felt really wrong cause I kept going around that location and like there were so many factors into, making me navigate wrongly like the terrain or like suddenly there is like a huge ass dead fall where should I have to skirt and get back into the same direction


and one of the point everything just drop and I I just like felt like really giving up and I just like you know don't do anything anything and I think that could be applied to life like, we have this endpoint that we want to go to that everyone navigates to and along the way you wouldn't know what you going expect and it's just how you going to


you know skirt around the problem I guess but at that point of time I felt that like everything not only just my exercise but like anything else my personal life also just felt like, it weigh all down on me because like every time when something's going good something bad will happen


and like ya so that point of time I just like I just dropped to the ground and just really felt like giving up, ya, that's my experience


you really upset about it ah, what incident still makes you angry despite having happened a long time ago , angry


honestly it's a strong word for me cause I don't really, I don't really have, angry experiences a lot, so, the one that comes into my mind


right now, will be just like, how I was treated, post break up with my ex last time ya I think like


it's like maybe because I was in denial because of how south things could go, and suddenly everything changes within a few days, and the incident that makes me really angry at that point of time is because I went on like literally she told me not to talk to her before I went on a trip to Bangkok with my SP singapore poly rugby mates and


I went with a mindset of like really not talking to her but she kept, she kept coming back then I thought was like okay maybe you want to work things out and she said things like that but after that when I was literally overseas she went out with a guy on a date ya so like


that kind of made me really like I would say the first time I really felt like angry was like why would you wanna put me in such a situation saying that like go maybe you can things can work out but after that you also, like I actually in the end just like finding other people and not like being truthful to me


was the thing that I was really angry about lah like in the end when we really like ended things off for good like ending thing off means like really blocking each other from our lives I've come I've I will come to known that whatever she told me for the first time she said about break up


and all that was actually all just a lie, ya, like everything that she claim to say was actually like she didn't mean any of it, so by then I was like really angry lah and like just really shitty about it because like I would rather


be hurt knowing the truth than to be sugar-coated with stuff but in the end the truth is still there the actual truth is still there and like going to be ya, I think that's the most painful most recent one another recent one another one will be when people insult my parents


or my family or my loved ones I think that is something that I can never accept I will definitely get angry with whoever it may be, and that one happened when, I was playing rugby so like they were a bunch of old boys but like because of that the aggression I guess I portrayed in the team ah in the game because of just the basic fact that I was fitter and we were training more and they couldn't accept it so they like


ah started saying like maybe malay like uh saying stuffs in malay lah about your mum and everything that one really I couldn't take it so like they even throw punches at me and thing but, the most angry point of like when I held the boy and look at them I was like come here now it's like I'm gonna like give you everyone good hard tackle


and make you really regret for saying that ya that was like another angry moment ah ya, , exactly


what is one thing that you will never joke about,


, ya


ya, , for me will be I think just like, any negative experience of problems people face like if someone like trust you so much to share something that's been bothering them like a problem they've been facing then as much as maybe you want to like


maybe joke about it to make it lighter to make the person feel better you know some people are just like that but I feel like it's something that I'll never do because like it's such a serious matter to them and in no way you should like, put it off and make it seem like make it not as bad you know it's just like you you have to respect ah okay


positive experience


okay ah, I start off with describe one of your most memorable travel experiences, ya


, yeah definitely


I think my most memorable experience or travelling experience will be my first like national team experience to Hong-Kong, ya cause like playing, rugby in singapore is only of a certain level and we don't can't really like expose ourselves to other or like even higher standards of rugby so going to Hong-Kong we are exposed to like teams from like different different countries and honestly


I would say even from the UK or the US people because they stay in Hong-Kong so they made the bulk of the Hong-Kong team or even the entire team so when you play against them we could really see like the difference, in standards in their different in pace intensity and like the way they play rugby ah basically so it was really my first time going to this and I think I was like the youngest member there


so gives me like ya it gives me a good like gauge on ah how to improve on my own self as I come back to singapore the experience I can bring the skills that I can develop or learn from, so yeah and like also like the team bondage I guess that we forged overseas through beach through like training to for the tournament or like even like simple hotel room talks or


all of the stupid stupid punishments that we get and we get punished for like physically like not being oh and the discipline to also ya, so ya I think that one like it became like a foundation to how I approach rugby


from then on, ya, I love to visit, this is a hard question I just want to visit everywhere honestly


but I think, I don't really have a answer to that now what about you


the Santorini thing the place ya, ya, ya honestly, and just rewind


that's actually very true ya so I think, ah I don't have that I just wanna visit everywhere when possible but like you said it for for as COVID


last right will be the most that we could go ah probably, in southeast asia or nearby countries and I will definitely want to visit new zealand to have a like road trip there, to enjoy the sceneries you know like those ah we really just rent the caravan so we don't really need to worry about accommodation and you can just like go from one state to the other like from one end to one end maybe take like a week or two just like unwind have like enjoy the slow pace of life as compared to singapore


ya I really enjoy the scenery that they have there which we can never have in singapore ya so definitely new zealand, sleep honestly


ya oh, because I don't really have much time, other than being in camp I think I will only look to like spending time with my loved ones or if really it's just me time when there is a time, I'll probably be playing games which is like fifth predominantly fifth ah and what what do you do


, ya,


ya right, the sound of the waves there


yeah, that's nice so why are small things that always make you smile


, examples


ya I get it, or just seeing a kid just like kids playing with each other I think without like eh ah technology that ya


, small things, I would I don't know whether call it small but I just basically enjoying food is something that it will just make me smile like could have like really


like a bad day at work or whenever but as soon as we have good food or like you go to a place that you know that has good food even it's like ah yes like you want to indulge in that already and most likely than not you will always be like you feel better from it


ya ya like I think, , what is the proudest moment of your life


for me in most recent times, will be commissioning ya I think that sums up like, it's the summit of my life thus far and really like I feel like dammit


my family family friends and loved ones proud by being able to go through those that nine months lah it's like it's not hard and like I could I was like at risk of like even being out of course because of like in simple things like injuries or illness or maybe even COVID


like if I could like get one of those I could be out of those nine months if I didn't take care of myself well, and ya to be able to go through everything and to to throw the picket was like, I felt really happy at that moment that


three things that I'm most grateful for in life, loved ones


food, probably Grab I'm just kidding I'm just kidding it eases everything right lah but nah just kidding I'm just kidding yeah


ya same price that you could, even like, send food through the Grab also, it eases things ya, oh what about you


, , of course, is to just expose yourself lah to what I can just be open to everything


ya right


so like food is one of my most grateful thing what do you think was the best meal you ever had,


the best meal I ever had, definitely Ramen at chijmes, or the one that can or the one that can beats that will be pancakes, bombass pancakes at ya


so like, I don't know I guess the best meal, that I had will be the ramen at chijmes cause like the food or the ramen is like so authentic and the broth is amazing, and like you just like okay I've never been to japan but it kinds of like makes me feel like in japan from the animes I've watched them eating ramen and everything it really like


yup, it really is a great like example of how, good aroma can be and yeah the company to what,


I don't think I need to try any other ramen other than that sorry, so personally to me is like when I love a meal I would revisit and eat it again ,


I mean as long as I'm not satisfied with eating it enough I think I'll revisit that whole place before expanding my choices, ya yes yes exactly, and ya


ya yes, that's true what is the describe a time that you laughed too hard, yes


ah really


did that happened like recently or something,


I can imagine, when you said tumbling down I kind of like remembered an experience where, an ice skating experience where I went in with my leg and like you just truly enjoyed trying to like skate but like we kept falling


on the bumps on and someone got tackled really hard like I don't know from where, and like it was really funny yeah I don't know it's just like, being in the moment there and like just enjoying each other's company and just laughing it off is that one is there like that's the first thing that came into my mind lah but I'm sure like


even like one of the like the most times I laugh too hard will be in outfield lah where we are doing all the shit then suddenly it rains or like all those things that we that is can go wrong just goes wrong for us and we just stand there in the rain and just laugh with each other yeah


, I feel like laughing like because of like the adversities that we're going to go through, in NS like we just had to find the fun in everything so it can be like all the mistakes that we did all like I said all the things that could go wrong went wrong and we just like ah shit we saw it coming and just laugh it off and just deal with it ah as it is and that's where all the


best moments or experiences that I can take off so far from my journey there's is that most memorable lah so far, , definitely being I definitely miss being a cadet without added responsibilities and I just enjoying training thoroughly without


that expectations from higher ups or even like people who are going to look up to you into this, ya, so yeah definitely don't don't need to


recognition, I pertaining to, like the hard work I have to put in in NS I think it comes when towards the tail end I was given like a not title but a responsibility like appointment


to like appointment to like carry out duties for to run to be to make sure that our fields or trainings are, you know are run smoothly so basically back then I was tasked to like plan out duties to make sure that the programs goes smoothly without clashing with our admin time or anything and from that like


as the week goes by honestly no one actually says anything cause this is kind of like my job is kind of like, not being like highlighted into the air or like people don't really see is like kind of like, you're the at the back kind of guy doing all the work yeah and


ya so like when I handed over my appointment is when I got the recognition where my sergeant major would was like saying oh you did a very good job like because, previously the guy who holds the appointment there were lot of complains there were lot of mistakes and like everyone knows about it but for me is like it came to a point that like everyone just assume that things are right as it is in no one really question anything cause so far it's been done right lah


I guess so like that's where, ya I feel that I got appreciated for the work I put in, ya what about you


yeah


yes,


we both talk about work but what about like in your personal life I guess friends family loved ones and all that


, of course


think in most recent times will be like I just, like hearing that uh how do I put this, a simple example will be like just my mum just cooking my favourite meals as I book out


that is one way of like showing that like oh you've had a long week in camp, and here's something that you like like you love to eat just enjoy or just spending time with loved ones outside just enjoying each other's company also it's just


just enough for me yeah yeah


finance , okay so darwish how do you invest your money to accumulate wealth and plan for your retirement


take it out ya, uh I agree but I feel like sometimes savings plan can be a bit too safe like you don't get as much returns as you would if you were to invest in like stocks per se I think and


ya I mean I feel like for twenty-one or like twenty-two year old's people who haven't really join the workforce or people who just started out in the workforce, I think a saving plan is a good start, but if you are looking to accumulate wealth and plan for retirement maybe you might want to take something a bit more risky but then you got to see what are your like liabilities and what you have to pay off and like


like basically set your priorities and set your goals of what you want to pay off and what you want to buy or purchase in the future, ya that's what I think


right right but I think it's like a good habit to cultivate or at least to like understand how it works so that you know when the time comes when you get like that big ticket, uh like income then you can like at least you're prepared okay so what strategies will you recommend to someone planning for their big ticket expenditure like starting a family buy a car or how


okay for me I think the biggest strategy is to like plan early and to like plan ahead and I guess explore your options that's another thing I think we've always like dreamt of buying like material things and like


but you know sometimes it doesn't fit you or your life so, ya so I think like understanding your needs and wants, and understanding what you can do with the income that you have, is one of the like more important things yeah what do you think


correct,


right of course, the foundation yeah I agree I agree


right


ya, okay so like now that you are young right, uh how do you think you like will manage your financial commitments like do you think there'll be any different


, right


it I think the difference between like a saving before marriage and saving like after marriage is who like who the money is going to or like who who is like, ya basically what you're spending on so like


before maybe like you spend on yourself and maybe on your parents but I guess when you get married you have, like a house you have a car you have, like insurance to buy and it becomes even ya it becomes even more like a headache I think where if you don't manage it properly so the question was how do I manage


I think it's important that you start early and you start small you start like cultivating habits I think ya because like you can't expect to have like, everything together when you get married because things are gonna like accumulate but I think being mindful and being conscious of where your money is going to and what you're spending your money on is very important regardless of like your age


right, right I agree


ya for sure, okay honestly to me financial independence retire early it's like the dream like who doesn't want to be financially independent and want to retire early right


like I ya but I feel like like many things it's just an ideal, like I mean you can get it but like you know you really have to like start early and you really have to like chart your like life


ya but I mean it's the dream lah I want to be financial independent and retire early, ya and I think how can one achieve financial independence , to me financial independence is like not taking money from anybody else that's what I see financial independence and like not having debt to pay and


ya I guess for like a student like me financial independence would mean like uh getting side income like through like jobs like teaching tuition and like doing internships and stuff like that, would give me some form of financial independence but


I still rely on like my parents to pay for school fees so that isn't exactly financial independence ya but I think , there's really no way to earn money besides like working or investing maybe ya but investing takes a while so I guess you have to work yeah


I guess so but you don't really need a big capital depends on what you invest anyway, ya


ya,


that's nice, yeah I bet they planned in advance, I bet ya so for someone who like has that do you have any like recommendations


like about that uh not like advice sorry, to, as in like, uh what advice do you have


uh, will you give to someone to get him or her out of that, ya out of that


but would your advise change


right right, ya, ya, ya I agree


right, right, ya, but then like, it doesn't solve your problem does it


I guess so, I I'm not sure I agree though because to me like err when you have that like interest accumulates, so it's like


the longer you take to pay off, the more you end up paying that ya the more you end up paying, so it's like my advice would be like just just, just tahan for a bit ya, just don't care tahan for a bit oh yes or just not be in that exactly exactly exactly okay so do you think one should own a credit card


, I agree I agree


I agree


I agree when you said that like you should own a debit card because I think debit card is linked to like the amount of money you have right because it's based on the amount you have in your bank so I think it makes you very mindful of what you're spending on and how much you have left unlike credit cards where you just like usually swipe and then at the end of the month you realise


you like you know you spend like this much amount of money but to me for myself personally I I do have a credit card because, uh I drive, and I had I get like mile points from like topping up petrol and then it just it just kind of like gives me like discounts and vouchers for like other thing so for me like a credit card is useful when it


like , it gives me benefits for other things, ya and also I've find that when I travel like my credit card is very useful because I don't have to you know, ya and like it's a like accepted everywhere mostly so ya but I think your credit card should be used very very like sparingly and like


you need to be mindful of when you use it ya and like I feel like I agree with you when you said like oh you will definitely need a credit card when you get married and stuff like that because like big ticket purchases I think should be made with credit cards like ya


it's like unless you have that kind of money in your debit card use a credit card ya


uh this month I've been spending too much on parking I spent too much on my freaking uh, parking season parking ah it like hurts my brain but yeah that's what I've been spending too much on also because I bought like season parking for school


since I drive to school now err well sorry what was the question again, okay it's like previously I used to not be like as thrifty I would say yeah because now that I have an app that checks my spending and I actually have to key in the app it like pains me every time I subtract from my budget like it literally pains me so bad


so it it makes me more mindful I guess uh and I really spend I guess what hasn't changed though is that I spent most of my money on food, which is like (ugh), in the end it accumulates, but, ya I guess food you cannot really run away from you can reduce but I feel like for most people the


predominant like where where your money mainly goes to is food especially like you know, young adults and their social life but I think it's justified oh sorry sorry but I think the spending is justified if as long as you don't do it everyday like as long as you don't eat out every day and you would like don't spend like sixty dollars a day think it's fine to like treat yourself here and there


and like as much as money is meant to be saved I think you gotta give yourself a bit of like room to spend that money because I mean what's the use if you earn so much money and don't spend it right and live miserably


right right,


right, of course, ya so like as an NS man right where do you think most of your expenditure goes to


food okay food food okay okay, ya


ya, , of course of course of course of course


okay okay okay yes, yes I understand, I understand I understand so what is one financial advice you will give to the you five years ago mini darwish


okay, negative experience , okay so darwish ,


what's one thing you did in the past which you wish you could undo


right


sometimes I look back I think like I should have like taken life by its reins, you know I feel like I missed a lot of opportunities or like I, , I just say no to a lot of things because I was either too shy or like too scared or like too doubtful of myself


and sometimes when I see people will like do things that I wished I could do it makes me really like, , I wouldn't say envious but I would say like you know I could have been that or like I could have tried that you know cause I feel like you really don't know unless you try


ya so what I would uh undo is honestly, uh, like my shy nature, I guess cause I feel like as a kid it really like hindered me from like, uh doing things like even joining like CCA I was too scared or like even making friends I was just too scared so ya it just


I feel like there have been a lot of missed opportunities and now that I'm older that I like have, more things to do I'm thinking like why shouldn't why didn't I like play more as a kid you know


uh what is one worst nightmare that you hope will never happen in real life


honestly same same ah like I feel like one of my biggest fear is like being left alone, err, and like realising that the people I, I care about are like not here anymore, and like feeling really like you know not having a connection with anyone else


ya so like like you said uh one of my one of the things that I hope will not happen in real life is like , uh my loved ones dying the way I dreamt them to die ya I feel like I like when dreams come up especially about like dying


it's really scary, yeah and it's it's and for me it's even scarier when like people close to me die, you know and then like when you wake up and you see that person you are like ah you were my dream last night and something bad really happened like kind of really suck


ya so ya, I just hope they don't die the way I imagine because like in my head they are like car crashes drowning fires earthquakes it's like it's the worst things, so ya I just hope to like keep the people around me safe


let's talk about the most heartbreaking moments of our lives, uh okay uh ladies first okay my most heartbreaking moment err when I think of heartbreaks think of like relationship heartbreaks


yeah so uh there was once I was in a relationship not really a relationship like I was dating this guy , and it was really chill uh and then one day he told me like oh I've been really stressed and I got a lot of things on my plate which I mean it's totally fine you know and like he told me that like he wanted space to be like you know with his family because he had some family issues and stuff like that


which like I wouldn't probe because obviously his family issues, and he told me that we that ah you know he just wanted space and he didn't want to talk, and then, throughout the like week or two after that I realised he like removed me from his instagram from his telegram like everywhere


err ya but like one place he didn't remove me was his twitter so, like twitter was his like only way uh twitter was like my only way to reach out to him and even though he didn't reply sounds like oh my god I was like so frustrated because like like why wouldn't you like not reply you know like at least don't ghost me like that ya and then like uh the week


after that I guess so like two weeks from that like I need space day uh I realised he was getting engaged so that's life err ya, err ya so it hurt me pretty bad because like I guess I was waiting on somebody that like already knew he wanted to like cut ties completely but gave me the excuse that


like you know I need to settle my own stuff, and like for me if I felt so like unfairly treated because like I give you the space and the room to breathe and then like you do me like this, you know ya so that was really heartbreaking because it took me a while to like come to terms with


uh what happened and like where do I go from here because I think even though it really wasn't my fault I felt, that I had a responsibility for his I I was responsible for his actions, like you know like something about me like pushed him away or something about me was so terrible that


like you know he would literally like, I don't know get engaged, like I don't know, or like was he just using me I don't know lah , so that that was the most heartbreaking cause it took me a while to get over it, ya so what about you


okay, err, what's a popular trend that you dislike


I feel like okay so like the recent thing the big thing is like tiktok right and then like recently there's this tiktok trend where likeuh I think like uh partners pranking their partners, uh saying that like you know like why didn't you like look good today


can I think I don't know if you see it before ya it's like he would like the guy will ask like like babe I'd I told you to dress up why don't you look good today and then like to see like the amount of despair and like sadness on the girls face like it hurts me so bad and like really had to change ya like it's so funny that people think it's funny


ya, ya like why would you like firstly why would you do that to your partner, and secondly why would you put it up on internet you know


like I think I don't think it's funny I think it's just disrespectful, ya, ya anything you've seen, that's a trend, that you really dislike


like hurting yourself


do you have anything you want to ask me, okay why don't you go first while I think about mine


I didn't think I share a very similar experience, but I mean I've definitely felt like really lousy about myself, but I feel like there's nothing that has pushed me yet to like my limit, because I feel like I know my boundaries and I know my threshold


so like ya I feel like I do want to experience like things like that because I feel like I really like, pushes you, but unfortunately I don't have an experience, ya


okay what incidents still makes you angry despite it having happened a long time ago, cause for me it's it's that like, incident where the guy got married I mean I'm not angry about it but it's just like


it's just like a bitter part of my life that I don't think I'll ever forget ya


tell me more


ya I understand such terrible people


I don't think I'll ever joke about I think family or like people's like most basically like people's relationship with their family, because I've learnt that you know come people really come from like diverse backgrounds and you really cannot assume that just because you have a good relationship with


like your family and you have like a happy household, or like a nuclear household then you cannot assume that, people have this you know people feel the same towards their parents, or like even their siblings or like the grandparents and stuff like that ya


positive experience, oh my most memorable travel experience that one definitely err my trip to the UK for a few months uh I think last late last year


yeah it was it was most memorable to me because, it was like the first time I was really alone like previously I travel with my parents and I travelled with like school and stuff like that and I guess, that I was still in the safety of like uh adults but when I travelled that time I was the adult and I had to like be accountable for every single thing that I did uh


uh what made it memorable was I think firstly I was in a completely different like country you know I've never been to the UK which I haven't till , and it was just like the culture shock there was like really memorable to me ya but like the friends I meet there the experiences I went through like travelling having to literally packed my own luggage for like four five months that was crazy


uh and I you know I also happened to like break my leg there so that naturally is the most memorable place cause I will never forget that like you know this like life long injury it's literally on my body now yeah so what about you


alright okay so you've been to Hong-Kong err what is another place you would love to visit and why, that doesn't count


I have always been a big fan of like the ocean and the sea so like I wanna visit like greece like


uh yes the Santorini because like oh the photos look amazing or even like #bora bora# or like I mean now that like I'm trapped in singapore right I mean I think Bali is good enough for me like I, just want to get out so I just want to travel like you know beggars can't be choosers ah I'm will just go where I can go ya


yes yes yes yes yes


yeah speaking of like uh unwinding right what are your some of your favourite ways to unwind and relax, sleep okay fair fair that's mine too


, FIFA, ya , I feel like my life has revolve around like either work school or like interacting with people me honestly unwinding and relaxing is just like being with myself like one of the things I enjoy most to like unwind is like to just like spend a day like retail therapy by myself


yeah I know it sounds a bit weird but I really enjoy doing it by myself because like it just gives me like a break from like the need to like socially interact, and like I can take my own time choosing whatever I want and like I wouldn't feel like a burden to somebody else


ya, also err, I think like being by the water really helps me like going to like the beach at night and just sitting like at the break water ya the sound the waves really just like eh like it's so good ya cause I grew up like


doing sports by the water so for me I guess is just reminiscent to like my childhood days which to me is really calming, ya, small things that always make me smile so


I feel like the small things that make you smile are the things that are most like unconscious, like you know uh like for me I love kids, so like just seeing a kid eat makes me smile you know like just so sweet that's so cute


ya it's just the small things or like, like seeing a kid hold a toy or you know or just like saying hi to a kid, ya or like you know even it could be simply like ya like like when you leave the like elevator then you see like a kid in the stroller like that makes me happy


what about you I sound like a paedophile okay what about you , food oh


for sure, for sure, for sure, ya, and I think like ya food is always good


uh, (oo) , I don't think I've had what I don't know what about you


!aww! I'm sorry for you uh, okay so what are three things you're most grateful for in life


Grab why Grab, it does it really does, like even like getting someone a Grab is like life's simple pressure pleasures


, ya it just makes you really happy three things I'm most grateful for in life, uh, obviously like the people around me in general, and


I think my opportunities, ya I think it's important to like be thankful of opportunities whether or not you like get it, you know and ya and to like, ya and I think like being presented opportunities


like makes you like think about, what how far you have come ya and the last one would be


things things that you're most grateful for yeah that's what comes to my mind so far


I feel like I have always, uh okay never mind what about you, let me think let me think ya, (uh huh) (mmhmm) tell me about it


okay tell me about it


right, so have you tried other Ramen, have you tried other Ramen


so how come you're not biased, so how come you're not biased, , ya but like what I'm asking is like how would you know other places are not as good if you have not try it


, you'll eat until you <malay?jelak okay okay uh I feel like I


I don't know, I like to try a lot of food so I can't put a finger on the best meal , but it's just that like everything taste so good it's just like I I love everything you know like sometimes you like could be the best meal that I could ever had you know or sometimes could be the worse meal that I ever had it's kind kind of depends on the day just day


ya, describe a time that I laughed too hard so, I feel like the times you laughed too hard are with your closest friends, uh okay one the thing that's like


stuck in my head now is there was one instance where , uh I was with one of my good friends in NTU and uh it was really late at night and we were walking down a slope and I think he tumbled down the slope, like actually fell forward and he rolled


that happened like I think, a year or a year and a half ago, and ya, it was just like I don't know it was just really funny because like it had rain before then, and ya he just uh he just he just really funny and like I was like laughing non-stop on the sidewalk


okay ya so what about you


right of course of course sounds like you had fun


right so how do you cope like laughing is the coping mechanism, , ya


right, right do you think you'll miss your friends, or like do you think you miss that experience


okay okay that's cool that's cool cause I I will never get to experience that, , ya speaking of like your like uh national service life right has there ever been a time you felt like appreciated because of your hard work whether in service or you know


anything else, like you got recognition, , doesn't have to be from a higher hierarchy it can be like from a friend, or you just felt appreciated, because you did something


you're expected to do this


that's nice that's nice, okay I feel like, err being appreciated okay so the point in life I thought like back immediately when I like heard this question was


like when I used to work because I used to work with kids and I used to work with uh ya, it was with kids I used to work for like camps, and I mean I guess it's because it's a job I didn't think like I would impact as many lives as I did


ya and like I was with them for like three days only like a batch of students for three days yet like at the end of the camp or whatever, uh they will like write me little notes to tell me like you know thank you for kind of pushing me on and thank you for


like you know just listening to me and like you know err making sure I have food like, like I was really surprised because to be that is like part of my job scope, you know like I was expected to do this and I was expected to take care of the kids and the meal but like to see that people see your hard work and to see that people see your effort and like the amount of care you put into what you do and who you care for which


you look at it lah it's a really good feeling ya, I don't know like friends okay like my friends will always say good job for doing things but I feel like being the pessimist that I am I never feel


super happy about it but ya my friends are always there to like remind me that you know I've come a long way and yeah and I deserve the break and I deserve the like time off from doing work what about you


part one finance


, okay uh I do have uh insurance by prudential which uh for my, savings and hospitalisation and accident so I didn't buy much of the policies because at my age the premium is quite uh you know out of my budget but so far these are the insurance that I have currently right now


yes yes ya ya , it's good to have uh those uh hospitalisation or medical insurance because uh at least uh you know uh it will helps to cover your financial though not much but still


a little percentage is good enough though ya ya, uh, uh no I don't like uh like I said previously I just have these uh basic uh insurance to cover to cover ya


but for traveling wise right I think nowadays the travelling I mean we can just uh uh you register the travelling overseas insurance as and when you travel , so I think this is like an ad hoc case I mean you can just like okay I'm traveling then I just click I want to buy the insurance while I'm traveling


yes yes yes yes yes


ya then uh yes and then , I think most eh if you're talking about this medical insurance right so basically for us, uh I think we need before we can claim through our insurance uh uh from our insurance uh agents


that we have to upfront is uh upfront then only we will produce like some uh documents for them to verify before they can uh you know cover back the cost, that we have already upfront make payment to like for example if you hospitalised or you do a surgery operations ah


uh likewise okay you you pay everything first then after that uh documents uh we will forward to our agents and then they will verify and then at certain percentage that means we are we can claim back the amount not hundred percent though but still we have there's percentage that we can claim


for that uh surgery that we already done ya I remember I I remember that time I did when I went for my keyhole surgery for my cyst that was many years ago lah so uh basically that is what uh the agent but that uh the agents uh requesting for certain documents and


then they will say oh okay for this surgery okay we will cover you at this certain percentage ya so with all the documents ya I I managed to get yup, it's quite uh, it's quite good though if you have this uh medical insurance to cover yourself not only for your personal but also you can hop in with your kids


yes yes ah for hospitalisation for example ah for what I know for hospitalisation wise right okay uh you will cover for yourself and then and then after that you can uh include your children as well and they will say oh oh different age and then they have different uh age group and


the and the fees, ah and the fees yes


yes yes correct correct , for individuals ah not uh oh okay , but for my side both uh both my insurance uh agent and from the workplace right from the company they do have this so to include your family members which is eligible then but of course there's a you know they will say oh okay these are the let's say if you are hospitalised in like bed


uh class B or class C or whatever right so they will say okay uh they will just deduct from for for company right they will just deduct from the from your, payroll something like that ya and then for personal one like for personal one like from for example I sign up for prudential they do have this uh policies also ya


other company yes yes other insurance, yes great eastern , aviva now they got aviva there's a few few more to to say lah


, , ya I usually I I'll I will approach my agent to get his advise I mean to get his advise what should I do you know and then I will just let him know uh what my thoughts are for this certain


amount so is it okay or you know that a lot of things lah you can discuss with your your agent yup


yes documents yes yes overlooked at at certain certain things yes


ya so far actually actually he's he's he's a nice uh nice person he can talk and then he sometimes you know they text me how am I doing it okay or maybe just a reminder you know that kind of thing ya he's quite efficient I should say


yes correct correct correct


ya likewise the same ya likewise the same ya, okay if if I were the agent right okay basically I will just introduce what we uh what we have to offer or sometimes they do have promotion as well maybe we advise but also at the same time I will uh I'm still open to listen to what


the customer needs or what they wants because uh I don't think any any individual always want possibly want, to buy every insurance right so it depends on their own uh I mean what what what they would like, most in life what they think that is most important in their life what they want to cover you know and of course at the same time also uh you know I we understand at this this this uh at at this


rate right I mean uh they'll also uh they will also some some of the customer so might think that oh you know oh the policy is too expensive I can't you know maybe, then we give them suggestions or maybe okay this is uh the best you can cover this and that so and so forth you know that kind of advise which suits them suits them


uh , yes yes yes ya yes


yes


yes yes yes correct


uh I rather stick to one I don't want to confuse myself, , if you got too many you don't know what is what then in the end what did I buy what did I insured you know honestly speaking ya


I tend to get forget sometimes forgetful


so what do you think of uh okay for uh house insurance


ya I, ya , oh I see


okay uh ya ya but for if you are talking about HDB right uh I understand but uh that, they they we do have insurance so I believe touch wood lah if anything happens to your house let's say if the house is on fire


that's what I understand and that's what I heard but I do not know whether this is I think perhaps maybe I thought of you know to uh, try to check it out more about this housing insurance for HDB flats


yes yes yes ya ya ya, yes


ya might might consider might consider about it lah might consider let me check it out


own a property ya


for investment I'm not so keen on investment or because for me right now uh uh, uh no I don't think of uh to do any investment for a at this moment no


ya I just take those like uh more important more essential I think I believe which is like everyday life to cover your everyday life that kind of thing ya


life insurance no life insurance I think is not too sure about life, insurance not too sure about that also ya


what about oh the medishield medisave ya ya one thing about medisave is also good if let's say you're hospitalised you can use your medisave to make the payment, when you're hospitalised and then eldershield to cover when we are at certain age ya


eldershield is more for those, ya ya and the dependent protection scheme oh this is also like for your family for your kids lah for your children ya ya


ya I think ya when you want to get insurance what you say is true to get to start early to start early ya because as you age the premium is already totally different and it's a bit like you know


hard to make that payment ya ya, yes


correct yes as you know that the at medicals ya medical consultation are quite quite uh you know costly also ya so it's best to have that covered yup


yes yes, think it depends on individual individual ah whether you one thing is first thing of course in in every person's mind will think eh can I afford can can I afford to pay these is it okay


I mean this is uh is is common among among us lah among we all to say that okay uh definitely they will ask okay what is the what what is the you know the whole cost uh, for this if let's say you take these uh class uh B or C or A especially class a uh can I pay through medisave this and that so ya and then for the insurance thing uh you check with your agent eh uh I want to take this


for for insurance hospitalisation also they will prompt you to says or whether you select uh I think is class A bedder then they have this certain uh criteria then class B or something like that lah so on and so forth lah you know it depends


ya,


ya, oh talking about dental ya I know dental is really oh my god ya I am supposed to remove uh honestly speaking I have not removed it yet till now because uh one thing of course I'm fear I'm fear of the dentist so ya but actually


you can because I did ask I did ask the clinic before to says that can I use my medisave but again they say you have to make the upfront first then only you can claim through your medisave not like you not like oh okay uh you know I I straight away deduct from our medisave no you still have to come up with your own cash


ya why I mean is best is best, is good if they can cover that you know like like for those especially for those lower income you know at least uh okay uh straight away deduct from medisave I think not not say low income lah I think everybody also would like to prefer


if let's say you go dental okay I just want to charge it to my medisave I mean can sign off the form and then straight away deduct from your medisave ya ya ya ya, should should should include dental you know ya should include dental in the medisave at least we can you know straight away instead of uh using our own hard uh upfront the cash right ya so ya


part three negative experience


how would my kid's future like, especially uh with Dina she's diagnosed with uh mild autism so I can never stop about the worriness about her likewise you know now she's in P one and then uh we have feedbacks from the teacher of how she does in class so


ya uh at at a certain point I'm a little bit uh what you call a bit defensive but at the same time after knowing that the school is open for this inclusive program so I do not know whether I do not know uh because I feel that uh the teacher needs to


do more more more more, not that uh more I mean like uh personally only uh concentrate on her but for all as a general at least they she can use whatever method you know to focus all the children because I believe any other children normal children also you know not only


with special needs but other other things like slow learning slow reading so, I uh I just you know I just hope the teacher would come up with more their own creation or their own creativity how to you know to make these children not only of special needs but the normal general students to have more focus on


you know class or whatever they have the subjects during that time, so that is the most worrying thing part for my youngest daughter ya Dina so I believe she can do it but part of me I have the confidence that she can really do it but on the other part


uh there's still the worry behind me there you know like society how is she going to handle because , the way she she says uh you know is, you know these kids they don't have uh they just don't know how to express but even though they they think that that is how they express but


on the other part, on the other person who hear what she says they thought differently so that's a bit uh you know that is where we have to work on, more you know ya


yes she's she's doing her best but but I I I I just, don't want to pressure too much also because they are emotionally they are also emotionally down because you won't know you wouldn't know but, you know ya as a mother I know yes


challenging ya challenging for everybody


yes, exactly is what


ya I hate that too I hate that when people use reverse ya yes yes it's not very helping you know because it might uh or it might take differently from the other party when you do this reverse psychology because it sometimes you know they will take differently


as in oh meaning what you you don't want me here you want me out or what, you know that kind of thing so I don't think that's also really helps lah you know, yes


exactly exactly , I I think there is still teachers uh where more passionate and really care but only a a a handful only not not ya not many that we find so far we ever came across ya


ya that that that is very ah ya very ya


demoralising lah demoralising ya


ya, yes yes