ya I think relationships are when not done right, are actually a key source of, heartbreak heart pain and negative experiences because relationships at its core is a very emotional thing


it's where people , they forget their logic and they just think with their hearts the proverb that goes love is blind I think it really shows how people, treat relationships so if if the people do not accord the proper respect they have and and


ya doing this , sacred bond between two parties I think it can cause a lot of heartbreak a lot of pain ya


ya, uh, uh ya I think we should move on to another question you want to describe the saddest scene you've ever witnessed


ya I think uh parallel experience I have with you was also in secondary school where there was this uh this english teacher he was a, small man he was a really really nice guy and every lesson he put in his best effort to try and teach the class he wasn't


a very good teacher per se because his voice always trailed off and he always, he always uh went out of topic or tangent but, we could really see the passion in his eyes but many of our of my classmates because we also known to be a very rowdy class


we do often disrupt his lesson say stand on chairs and throw paper planes around or paper balls and use their phones and totally not respect him at all and when he would, ask them to stop they would speak out against him and debate with him uh and also


be uh be outright they find against him however even though he was a very very highly qualified , person in society he was a lawyer at that time and he had a PHD he's still, he just kept quiet and he just took everything that the students threw at him and he just swallowed it and


continued teaching and gave in I think that during experience it really showed me, how much , uh how nice uh how how nice a person he is to be able to


and how big uh big of a person he is to be able to accept all these uh hate and criticism from uh people who scorned at you and still have, the passion to and the energy to come to class and to continue teaching everybody


uh ya so I I think that the effort he managed to put in even though for those who were interested to learn that passion that he had, compared uh uh uh was really really great as a teacher and I really respect him for that ya


ya I think as what they've uh my friends said, uh we are always chasing for something better we always comparing with, what uh what we have with what others have and that way we are always forever greedy and forever wanting something that's better and


nicer or pretty or more expensive and we forget to slow down and to see the things that we have around us, that these things are what other people in other countries pray for every day and what we're living in is a life of luxury and a life of


bliss and of blessing and so ya I think that's what, we often, people who live in cities often take for granted because of how fast the pace of life is moving and


ya I think that, it is very important that we, take time to slowdown and to appreciate and to be grateful for the things that we already have, yes, okay let's move on to another question


what what's the biggest thing that's holding back uh holding you back from your goal


ya I think the biggest thing that's holding into me back is also myself because ya I lack, proper time management I can for example sit down and do my work for a straight six hours non-stop not taking any breaks and being very productive


as compared to spending an entire day on my bed just watching Netflix or, watching YouTube videos or hanging out with my friends entire day, so I think that self uh self-discipline is something that I could work on


ya it is one of the biggest thing that's uh that's holding me back because there are so many things that we are able to do do uh given twenty four hours people can uh, ministers can lead the country can write bills visit uh the CC do community work all on the same day


while we just, laze in bed and just work on a few math problems a few a few uh uh solutions for chemistry for example so I think that, ya it is basically the the mindset that an attitude that we have compared to others that it is actually holding us back


we're often so afraid to try because with with fear failure, and that in turn leads us to at least to us just, uh not doing anything and just playing out all the possible scenarios in our head instead of going out to actually try and actually fail


ya I think a study done by the straits times showed that uh by PISA showed that seventy five percent of uh sixty five percent of singaporeans students are actually afraid of failing, and could this be a failure on the part of our education system maybe but it really shows the more risk


that students in singapore are willing to take, and it also speaks uh uh uh a lot to our, entrepreneurship and innovation level of innovation and technology in, uh in singapore in this period of time so I think that


yes the only thing that's holding me back and holding I I would say many people back is themselves it's the the, the attitude of of of letting everything go and just working toward their goal not being distracted ya I think that's ya


okay


yes , what do you often worry about


ya I think that's a very valid concern and I also struggle with that to always portray myself in the best possible light in front of others that may not matter, and a lot of times I I think that people don't actually care about how you are but rather they care about themselves because


, a teacher of uh ours uh always used to say that uh the world does not revolve around you , but for these students, but for these students I think that uh for for many many people I think that they often think that uh


everything is about them and, everybody's focus will be on their on their flaws and then insecurities on on what things they are wearing or what facial features they have or or or what colour their eyes are


ya and so I uh like that pimple it is on their forehead so I think that all these things are extremely insignificant compared to what we can be doing as, we can be focusing our energy and our time on


ya so and and most of the time the people that we try to impress on, uh and and we try to show our best selves to on the people who are really important and the people who


that care most about us we should instead be caring about how we treat our parents, how we show them how uh, show them the more respect they deserve the gratefulness we have towards them for providing for us and to the teachers especially for


for for for teaching us and uh teaching us so I think that, ya that is one of the things that , uh I've often worry about and, I've been trying to find a way as what I said to try and cope with that uh situation and that mentality ya


uh do you want to do do you want do one more on what makes you stressed on what makes you stressed


ya I think that, ya was adding onto his point I think that for me, what makes me stress is always not doing my best or achieving the expectations that I have set for myself and also people have of me to uphold that standard


and that and uh that morale their their standard and confidence that people have in me I think often times the thought of, over promising and under performing uh ya uh really stresses me out because


and not performing to my utmost best because I believe that everything that we do we should always do our best and always strive for excellence, and try to achieve our goals, so and and and in the in the process made life and processes better for the people around us to improve the situation of


of of of things that we have been through ya so I think that uh when we make uh it really stresses me out that sometimes I'm unable to give my best or to, deliver the results


okay , let's describe a moment where things turn out to be better than expected, or something that pleasantly surprised you


I think I have a parallel experience with you where it also it was also about organising track and field camp, , so basically I uh I was supposed to organise plan and execute a track and field camp


and , uh it was a chalet that we had and , from the get go it uh it seemed like things weren't, really looking good because first and foremost there was games and then weather outside it was cloudy and it was starting to drizzle however


we were supposed to play try to keep the balloons in the air it's a, it's a it's a short game of around five minutes to see which team could keep the balloons in the air as long as possible however due to


the weather is started pouring and so we improvised and we, filled the water uh the balloons up with water and we had a water balloon fight, that was one of the key, uh moments of the camp where we've tried to make


our best use of what we had given the changing weather and the circumstance and, ya so it was one of the the moments I thought where the camp was uh because many of the okay because many of the


organising committee had something on and they didn't turn up so it was a bit difficult to manage however many of the, uh members and my friends they stepped up and they took charge of some events to help with the food the games and also


uh planning and, a movie so I thought that uh while it looked like the camp was closed or brimming to failure, because of the teamwork and the


enthusiasm of many of the teammates it turn out to be extremely , good opportunity for team bonding and many of us became closer and, closer to each other during that camp and I also think that through that camp we've could really see and understand the perspectives and the


uh character and personal uh a character of many of those of my team members and, that was a really nice uh experience that we had, ya


ya why not we go with what is the oddest and most unique compliment you've ever received, I think that's a unique one, ya


the oddest compliment, I think the oddest compliment was when, someone told me that oddest compliment


ya someone told me that I was really good at uh uh at translating uh hand, hand signals so we it was at this church camp


where we were learning about how we could help translate using hand signals to the, to the deaf and also the dumb, so during that period of time, I was struggling really with trying to figure out the basics of


using hand signals to translate uh uh numbers from one through ten but then , (S), I could I could somewhat understand it as I have been watching


uh many YouTube videos on people doing hand signals and hand signs on live TV, and doing presidential speeches and campaigns so, I think that while I couldn't execute


, the hand signals properly or learn how to do it, I uh I could actually understand it and uh and, translate some of it because half of it is basically quite straight forward and understandable


it's just hard to without practise to start , communicating with others through hand signals the hand signs , ya so I think that was the most unique one as no one should ever really complimented me about


a practical skill of hand signals ya


ya I think that I think I've many happy moments in my life, but happy moments, ya many of my happiest moments are often governed by milestones or achievements


for uh for example getting a uh, award or a medal on a podium I think those are, among the top few moments where I was, satisfied and I was happy uh about my hard work paying off


but I think that , when I experience true happiness was when I was out and about doing VIA or doing uh or helping other people and seeing that


, what I did actually had a impact on a greater force like society, I think an example of this was when I was in one of the uh VIA programmes who which was called nurture two point zero it was basically


uh every friday night where we would go down to one of the community centres to tutor the, less fortunate kids to help them with their studies , few of them were taking PSLE and a few of them were taking


(ppc) just going through as a primary school so I thought that, my impact there will will be very minimum because basically we just see the students for two hours every week to


try and help them clarify their doubts and also give them some help with their schoolwork, and it's a really really short period of time but, we tried to make the most of it and I was extremely happy uh uh one one kid made me extremely happy because


through consistent hard work and me sending him extra practises, and also him him consulting me during uh during the wee hours of the morning like twelve twelve AM before his PSLE to clarify and asked me some questions


uh really showed me that he was trying to work hard and trying to , strive for the best and it really made me happy to see that , despite his circumstance he's not satisfied and he is putting in his


uh putting in his utmost best an effort to strive for excellence, ya and I think , uh I just met him uh a few weeks ago and, uh he he told me that he scored uh very very well for PSLE and he got into one of the top schools in singapore so


he also explained to me that it was because of, some of the uh of of the things I taught him and the exercise I've given him that he was able to have uh fully grasps and understand the concepts that were needed


and ya thus I felt that it was really, uh very inspiring for me to see that, how much change it one can affect from just two hours of interaction with another kid ya


ya I think that's very important uh it's very good when we serve, we have the capacity we go out and to serve and to help others, may not think they are in need but we help them anyway because through that we can


really understand and empathise with their plight and the scenario and also we can learn a lot from the life experiences, in a series of stories that they tell us because many of many of a time these elderly are often, alone they live uh they live alone and they have little people to talk to their immobile and they have difficulty going even to the void deck


to meet their friends or to talk or to play chinese chess, or to even go to the community centre, to stay at the nursing home the day care nursing home so I think that, by us actually going down there to help them clean their houses it actually save them uh saves them a entire weeks of a weeks of


housework which they have a lot of difficulty doing given their, frail bodies and their health existing health problems, so I think that, ya it's really very meaningful and impactful to


ya to to serve in our capacity and to take the time out of our schedules to actually help those people who are in need, we often focus so much on ourselves that we forget that, where with their people around us who genuinely need help ya


okay let's do one more question, you want to do the one on food or something else, ya what is your comfort food that you can always rely on to cheer you up


, ya I think that for me is also comfort food uh my comfort food is also home cooked food because it's not only the food that is good, it's how healthy the food is and the amount of


literally no uh zero sugar that my mom puts in the food but rather the experiences and the interactions that come, when consuming the food ya as david as as my friend said when eating out out when eating the food we interact with


um) our siblings or parents and tell them that we appreciate their food and thanked them for their efforts so I think that, ya it really grounds us and, and it's also very uh very heart-warming to know that


there's always food at home for us it's always a constant and something that will never change, ya maybe in the future but it's a or a sense of comfort and, uh assurance that ya our family will always be there for us


no matter how bad a day we have had or how tired we are, we still get home to enjoy a steaming hot bowl of soup, rice and other dishes veggies and meat


part one financial related topic


yeah, yeah


accumulating, okay so for me yeah I mean I think I got the same advice from my parents no credit card because, of the exact same reasons that you said which is the interests accumulating, but like eventually when you think about it there is a lot of stuff that you need a credit card for and if


yeah but it's just problematic because you don't know whether you are overspending your limits and how much interest you have to pay, so eventually I have, I hope that I don't need to use a credit card in the future but I do not know if I might end up having to especially I do not have like half a million to buy a house


if I have to wait for half a million I probably would buy a house when I'm fifty which is sad, so that and yeah I mean I ya so the loan stuff is a problem but yeah as of now I don't think I would be


yes but not anymore, yeah they used to use it but, right yes oh my god I though my parents were only ones yeah so no


yeah, there's something cool about holding a few cards or something I didn't I didn't, yeah so that was that and then they kept spending and then they learnt their lesson


yeah, ya but you see right now they're still cashless but they don't use credit cards they used the debit, yeah


, there is but I feel like HDB loan is better than bank loan because I have changed I my houses quite a few times this is like my fourth house in singapore and


I'm only twenty so it's like on average every five year I'm changing a house so the, right and that you I I kid you not there was this one time I was in a house for three months, three months and I changed again so yeah my parents see now you can see why credit card was a problem for my parents and


no no we actually owned the house but the three months one was a rent, yeah I I yeah so, I the I and they tried both bank loan and HDB ah but HDB is better because it's


more suited for the the interest rate is better so you get to pay you they plan it out for you but bank loan bank loan is a bit crazy, this is not just the house if you try to do graduate studies in singapore like if you do


and I was telling you about M D right it cause, two hundred thousand, I know MD, yeah uh at duke NUS, yeah I


yeah I'm like how am I going to do that without loans, yeah as of now hopefully


okay, sure ah wait I do not have the list of questions, we where where's question okay , question thirteen where's question thirteen


the one where, what is your current spending like kind of thing oh there there it is okay uh how do you spend your money and which expenditure is justified and what have you been spending too much on


yeah I know it's not, yeah it's in the chat box okay so, okay so


do you want to go first or should I go first, okay


, yeah


, (mmhmm)


uh maybe because of the time, , ah I see


are you serious that's like what in what in a month, in a month


that's almost ten dollars a day, on just grab food and you were home the whole time, okay ah for me how do you spend your money


most of the time I buy a lot of snacks, because I'm at home uh but like I've so many shopping centres right nearby my house, so and you should just go down and buy it so that's how I spend my money and yes I do online shopping too


or I have this habit if I'm walking if I'm get if I get stressed , okay it's not a habit okay I cannot say it's a habit if I get really stress especially during finals period, in NUS last I get out of my house and I go to like waterway and if I see nice stuff I just buy it I just buy it


and I'm like okay but I don't buy like any that's if it's expensive I don't buy I have a very low tolerance when it comes to like, a single change in dollar could change my mind so I would buy I'm like okay I'd like it I'm going to buy and really so I guess you can see stress shopping but I don't do that a lot I don't I'm not like those you see in movies


uh is it justified, no but the food part is just fine I eat a lot I like food , I don't think I've been spending too much actually I seem to be doing okay


yeah but you know about your food that you talk about is like when you're in school you buy a lot with your friends I realised I I thought of a way to help myself with that like you know when you pack food, I realised when you have to pack food and you didn't buy like the container and the stuffs so you preplan your food right your meals it's actually more expensive


yeah I realised it's way more expensive because I don't spend a lot outside usually it's just at, NUS right so anywhere food is usually like five dollars and if you want to eat more it's like six seven but if I preplan it goes to


thirty plus, yeah to make my own food, yeah it's more expensive because when I was checking it was more expensive and because I don't go to school everyday I only go like twice a week


yeah, no okay, so, err


yes I do yeah yeah I I, okay do you want to go first


yeah, I understand yeah


look forward to ah


ya I do have this habit of saving it's kind of addictive actually, uh yeah I I know it's weird I used to spend a lot when I was younger but the more I start, because ever since young I I have been handling my finance like and my I think have told you this before I've been handling my own


financial stuff since I was thirteen so and, so I would want to buy like when I buy my own stuff with my own money I can actually tell my parents this is mine, right and uh so I like that and so when I was I I'm I


like to save for, everything that I need so you're right like if I had something that I want I tend to save more, so right now I'm thinking of paying for my entire exchange on my own ya so I do not want my parents to pay for me


so I am saving for that I have like two accounts and I'll and I'm like hiding one account from my parents because I don't want them to know that I'm saving because they think that I shouldn't be worrying about money now because that's their job


so ya I also took up a part time job I'll be starting on august, so I can save for my, exchange, so that's that, and how do I meet okay oh my god I just just right before this call I had a call with another friend of mine and I was like


doing my calculations of how much I need to safe and geeze that's not enough , it really I can't go out for the next one and a half years I really can't, and I have to survive with five dollars a day , it's it's really sad and I even calculated all the way to whether I should order the concession pass or not


you know the bus concession pass I realised that if I have anything less than three days a week of school, ordering the concession pass is a loss I'm only saving two bucks so I'm really confused on what to do, yeah that's that


yeah exactly so I'm not going to do it the same, okay, yup, uh the what one financial advice that you would give to you five years ago


alright what would I give myself five years ago actually nothing much much has changed since, five years ago except the part time job there was this time this lady called me right after A level period


and she was like !hey! do you want to take up this job it's only fifteen hours a week you can do it, and I was going for a vacation at that time so I was like nah, she said I can start when I come back but I said nah I'm studying uni I don't think I need money during uni what what was I thinking


what was I thinking I don't need money during UNI, so I I didn't take it up and and for the past one month, I have been looking for part time jobs in three different platforms and I have never felt


more depressed in my life, it's really hard yeah so I should I feel like five years ago I would have told myself just take the job, that's it there's nothing much nothing much has changed how about you


yeah,


yeah, , yeah,


no


yeah that's true I I don't understand how you spent through your money in two weeks, uh yeah


ah I see I started when I was sixteen god it was terrible I yeah you are right you know it's good to know that you when you work because I started with f and b because, F and B is what the age limit is lower oh my god I hated it and never again that's when I realised never again


so yeah yeah no never again I cannot be I cannot emphasise how I have suffer suffered in F and B, why


oh my god no I wasn't making anything I was supposed to wait tables so I was just waiting to wait tables, so that's, yeah I was uh terrible, okay


yeah we can go on vacation, I mean we have already like kind of covered what can you do to earn extra income or improve your income level right


sure yeah what about it, ya but I think it's because singapore needs the money that's the only source of investment we have yeah


the government uses the money I think, uh is like a investment so yeah , I like the idea but it's very subjective out there people tend to be very


different in their opinions when it comes to C_P_F


part, part three negative experiences, okay uh


okay yeah uh do you have a do you have phobias and how do you overcome them, oh !wow! okay


no no it's not, I guess it's a habit oh god the jet I live near a air base okay if


oh !wow! that's that's loud, okay uh for me, I do have phobia I think I have, thalassophobia which is the fear of the ocean I am terrified


of the ocean yeah, yeah you know when I go to the beach uh if I go like, you know you put your feet on the sand uh in the water and if I walk, like three steps in and if it goes down I get scared I guess it's the great unknown


and I have phobia of, I don't know if it's phobia or fear but I cannot, I get really really, scared of when I see snails


I know it's a weird one because people say that it can't do anything to me it's so slow, ah but I have my reasons and a fun fact do you know you can only have when you were born you only have like phobia of falling and, loud noises


yeah and the rest is, is, developed over time, yeah uh so how do you overcome mine I I didn't I'm still scared of the ocean I just avoid going on anything in ocean but for the snails I make fun of them


the more I look at them uh I insult them so when I insults snails it makes me feel like I have power over again , saying that way I'm less scared over them, I do not want to mention that insults so, okay


you choose the next question okay you go first series of unfortunate events


oh yes I remember, yeah you I was with you for the semester yeah , yup yeah uh


okay I was a very troubled child, especially my, teen years or my childhood was not really something that I want to think of or relieve so but especially my teen years was disastrous


uh, I was not close to my family so I didn't really have a support, of somebody like family and I, at that point strangely so I didn't have more family members to rely on so this were my only family and


I was having a lot of problems with my friends and my CCA trouble and at that point even CCA was bad and, and, like I didn't have friends insists I did have friends but it was so toxic, and it went to the point I just wanted everyone to stay out of my life and I would talk to


seventy plus year old librarians like they were my source of , where are the people that I go to when I am feeling lonely I guess loneliness was something and I guess I couldn't relate to anybody that I was around and yeah


so everywhere I looked at it felt like, it was a closed door yup, okay so should I choose the next question


okay , there's an african proverb that goes to childhood not who's not embraced by the village will burn it down to feel the warmth has there been a time in your life where you have come closest to starting the fire, yeah yeah yeah


okay uh for me okay I guess like I saw it and I was like oh I can relate ah like I told earlier I feel like I'm not, till today I'm very sure that I am very different from my rest of the family which makes things worse when you fit


okay you see not having friends is one thing I never really cared about having friends or not in my social life I don't have social media you know that ans so I don't really care about that , but so therefore the only I guess it's human nature to want


support from, somebody who really is, with you who's your family and I didn't get that so at that point was during my, JC period as well oh !wow! !wow! JC is really sad okay ah so JC period it was when I was


It !wow! it was so intense I I didn't want to be around my family members so I wouldn't go home as late as possible I lied a lot about not just I I wouldn't have anybody to hang out with


and I will just be outside I don't want to or I wouldn't be doing anything I didn't want to do anything because it was yeah so when I came near to starting a fire was when, uh it went to the point I thought you know you know I should just give up


if you know so like uh and I guess my one of my classmates found out about this and told the teacher and my teacher was, called my parents, they are uh without telling me, uh and so there was a vice principal my parents and my teacher


all of them sitting down and discussing about my family life and my life in general, uh and they're not supposed to tell me this but they ended up telling me that day itself so uh I guess


when they were even when they were talking I guess my mom especially I don't talk to my dad that close I'm not close to my dad uh so my mom who is like, my closest person I relate, to my family and I expected her to react differently when she finds out about her daughter's situation but she reacted in a completely horrifying way


so that really like threw me off and then I just continued to rebel more, eventually how it was okay it was, ah, okay it's it's it's not that kind of that like it became okay


after I, learn to live with it it's, not that amazing to hear but yeah I learnt to live with it I yeah so, yeah okay you choose


yeah thank you, you go first yeah


yep, I guess my worries similar too uh so I guess it's not different something that runs in every uni person's mind I've I'm scared of like the uncertain


in the future like I do not know and and every now and then I start thinking if I took the wrong degree if I should have went somewhere else where I could have grown better and that uh or if I would ended up


not having, , financial independence and things like that so that uh how uncertain the future is it's kind of, scary


yup, yeah I guess my fear is even more amplified because of I


do not have somebody to guide me like I told you my parents are they are they are not, somebody who would tell me what to do so I am I have the independents to choose what I want for myself so that kind of puts a lot of pressure ironically because


it's now all you so if you don't if you do something, wrong or anything you have no one else to blame but yourself, so , having to decide everything in the future for yourself as from a very young age


leads to a lot of stress and fear, yeah, uh no it's okay you can go


okay do you want to go, okay something I could change I guess I I wish I could change, my, character like as a person


because like I told earlier right it's I feel like I cannot bond with my family because I am in neatly a different person it's like a group of introverts and then you have an extrovert or like something like that it's a, so I guess I I I wish I was more like them so that I I feel like all the problems that I had in my life so far would have been not there if I had such


a capability but I know I cannot but after a while I went to realise that there's nothing wrong with being different, yeah how about you


(mmhmm)


ah I think you're gifted too, no okay, but why do you think you won't be able to change that though, yeah


well I think we have time to one more question, uh, okay !wow! this I really depressing uh describe a time where you feel


like nothing you do is good enough, yeah (mmhmm)


yeah , for me uh, I don't know I guess every time I do something or achieved something I keep, thinking of, there's so much more that I could've done or like there's people out there my age who have achieved way more than I have


so I guess that comparison that I keep doing makes me feel like nothing I do would be good enough, yeah especially, especially when it comes like there's all yeah I guess it's something in our


culture like as asians and we get taught that like when you know like, for example when you go home and you're like you know I'm like, fifth in a in my entire class or something and then


people automatically be like oh so there's four people above you so it's like and even if you're like first in your class it's like you're not in the best school or you're not in the best school in the world it's there's like always somebody better than you so you'll never be good enough because you feel like you can achieve more


which is really toxic I guess we should do something about that but it is what it is, yeah


yeah but I feel like we would I would want to yeah I would want to live differently like, (uh) you know see how things goes and achieved on the way than planning the next forty years of my life


part two positive experiences, okay so nadia who do you in life do you look up to most and why


what do you want to do, ah


okay ah for me, I guess I look up to, oh my god ya I don't have anyone I look up to, uh, okay I mean I look up to a lot of people but for a very different things


so for like different aspects of life I look at look up to different people so for my father would be , hard work I guess I've never seen someone, so meticulous in his job, like my father my mom


I guess for the carer the cliche stuff but right now, I also look up to myself experience itself I do I feel like okay you see I feel like there's many people out there my age who are


okay I used to not look up to myself until my friend told me that I should so that's why I do because of how I want to live my life, in that way so it's like it doesn't seem like I am I am this damsel in distress


so yeah I guess that's one thing that I'm looking up myself for cater slowly thing that's what I think okay


yeah you can go first, (uh huh)


yeah, yeah


yeah,


yeah ah for me the most ongoing ongoing global uncertainty right now, it's the economy and okay ah as weirdly or inhumane as it sounds when


COVID was getting like to the peak a couple months ago I mean it's still not below peak yet but, when it was the first thing that I was thinking I was like oh my god the economy is good I mean I guess it because of my degree, ah so ah because of the finance and everything so I keep following the economy also I am


in forex I don't know if you know forex the foreign exchange trading so you ya so this time is kind of, very volatile, so but what makes me optimistic about the future is that this is not the first time this has happened


in the economy I mean yes it's the worst that it has been in a century but, I feel like we can come out of it what makes me even more optimistic is that because this is COVID and the reason why everything went downhill was because people were not


allowed to travel anymore instead of you like in two thousand and eight the financial, uh crisis made people not have money and, you know all the inflation and stuff so people didn't have money to bring the economy back up but like in this case


I feel like it might come back faster, other than that if I were to look at the way of living I had the exact same thought as you did a couple weeks ago I feel like we are more, accepting of differences than our parents and older generation before that so


I feel like the world will have more peace in the future when we are our parents age yeah, yeah sure


ah sure ah so what's your perfect day, describe your perfect date


(uh huh), okay


okay uh I guess my perfect day is, I do like the nature I'm very fascinated by it but because, my perfect day would change as time changes but for now I feel like just being able to see my friends in real life


and having skin contact or or like, having, lunch or dinner without having to worry about wearing the mask right after, that would be a perfect day and


it would be perfect day if I get to watch harry potter I've watched it so many times I've been in the fan for eight years but I, if I could I would forget everything and watch again so I guess that's that's something but my perfect day


yeah okay but you go first


ah okay, I guess I uh I like that I am, resilient, I don't give up easily


I I learnt some that about myself when it comes to, very simple things like I'm not talking about values like I'm not even thinking about that but like I'm resilient when I start something that I have to do, I don't like to do stuff half heartedly ya so I just go all the way so I guess that's something I like about myself


it is,


ah I see, okay that's nice that is its very rare to find listeners out there


okay uh so what about the next question, okay uh, let me see


okay , describe a time when you got appreciated for your hard work, , uh you go first


yup, okay


okay for me, I seriously can't think of a time I got appreciated for my hard work I really cannot or maybe I have it's just I didn't notice it because, I don't really


it appreciation is not something that I look for when I do something , it's like most of the time is for myself like even my education or my grades, ah as contrary to popular belief my parents even though asians


they don't really care I think because yeah I think it's because they think that I can manage, so they don't really put pressure on me or expect things for me so when there was no expectations, from their side I do not expect appreciation from their side either but they don't like put me down or anything they just are very


neutral to the topic but I guess for me if I were to describe when I feel most rewarded, for my hard work it's I think for this age period I have like you said I have not really, done anything outside of academics apart from archery which was I went all that we do


competitions have before I quit but well uh I guess appreciation would be what I get after I do something for example grades when it comes to education, and of medals when it comes to archery


ya so that makes me like okay I did hard work and, it's not wasted or, people also can tell that I did hard work, yeah, okay so what question do you want to go


ah do you want to go first


okay uh for me the biggest, what's the question the the thing I appreciate the most is it, or thankful for yeah something that I'm really thankful for is


I guess yeah you're right my family too at first time when I was younger I didn't really bond with them I've I always have felt, very out of place in my family it felt like my sister my parents were like all one


character and I was completely different from them I still am and they know that I am but, I guess we've found a way to bond over that and I tend to have this habit


of no matter what happens, uh like any situation that I go through I always think about, the worst if could have happened like it could have been worse than this so I'm always thankful for


not being in the worst case scenario I guess, yeah, yeah do you want to go one more question, you sure okay this one was a very hard I was reading through uh what is the oddest or most unique compliment you've ever received


I don't know I I had I don't know anything odd, I don't I wanted to hear yours


, uh yes I know I


yeah


how is that odd, how is that odd, I've I've gotten those is that odd


I guess it's odd when it you don't know them and the first thing they said to you is that, okay it's fine for me okay let me think ah most unique or oddest


complement oh geeze ah, there was nothing really odd about it is like you hear things around okay you shouldn't have chosen this question, okay uh


most memorable travel experience


oh, ah yes


okay ah for me is, the time I went backpacking across, southern australia, if it's crazy I think I nearly got bit by a snake, I definitely got stung by a bee a dead bee because I was walking across the beach


and there was a dead bee the stinger at the back was still on the sand I didn't see it so I stepped on it I did I that was the first time I realised death bees, can harm you and I got sun tanned a lot yes I can get sun tanned and


it was really cold in the at night but really hot in the morning it was so weird I was so freaking shivering at night, so I guess that was and I was not prepared for the cold weather, I saw penguins from antarctica because I was at the most southern part of australia yeah guess that was the most memorable experience


yup, penguins are cute, well I saw silhouettes of penguins


part one financial related topic, okay sorry ah do you think one should on a credit card I always my parents always advise me not to ah have a credit card because of the interest rate


like I mean if you don't if you don't if you don't pay on time you you you keep incurring interest right so my parents always advise me that, ah you shouldn't you shouldn't buy something if you don't have like the money in your bank, ah so that's what I've been advised but I know that they are like


pros and cons to everything so I know that for credit card like people use credit card so that they can uh have credit have like accumulate credits, and with this credits they can do like bank like have bank loans and housing loans which I guess is important especially for housing right because no one has


like huge cash yeah so but, I think like for me I wouldn't personally own a credit card because I might get into the like toxic cycle of


wanting something when I don't need it and I don't have the money and then like the interest will keep accumulating and accumulating ya


do your, do your parent have do they use, oh they use is oh yeah actually same


ya it's like ya ya same like they learnt from their mistakes right , , no my parent is like I don't know why yeah they say like as like when they just started working I've credit card very attractive I guess


and because of that then they yeah they accumulated and then they advise us, yeah, ya same, but I guess also because they want to go like cashless right I guess


yeah, yeah that's true, how do you think we can, get a house without having credit card is still bank loan right that's that's still bank loan right


oh is it


wait so do do you guys like rent every time you move, oh oh


ah, yeah


!huh! wait for what sorry oh ya ya ya ya ya that's crazy, oh oh the private one is it, oh yeah yeah yeah yeah


yeah that's true, okay so I think our concluding one is not to have credit card right , okay let's move on, , wanna choose


it's on the slide, which one is that ah


oh okay okay, wait is it on the slide


okay okay but ya so why, oh okay, okay yeah


okay okay I'll go first how do you spend your money which expenditure is justified and what have you been spending too much on, okay I think that as a student in NUS I spent most of my money on food


I do spent on, let me what else did I spent on, I guess I online shop a bit but not that but not that much ah, and, that pretty much it actually I just spent on food and


ah shop online shopping so which expenditure is justified and what have you been spending too much on okay I think, which expenditure is justified I guess food is quite justified but I think like the fact that we eat out too much is not very necessary


but ya but I guess when you're in when you're still in school uh you you kind of can't really help it because you're already out so you want to eat right with your friends, and like supper is not necessary as well but I always eat supper


yeah, yeah and especially like during the COVID period like a lot of a lot of Grab food orders, so I don't think it's very justifiable to be ordering so much like I spent spent


I like doing like the COVID period I spent two hundred seventy dollars on Grab food , yeah yeah because like I yeah in a in a month because, my bank did yeah because so my bank didn't show me what I have been spending on then they said there's a


spike increase in transportation which is like grab which is grab food so yeah that's definitely, yeah I'm just crazy right right exactly so yeah that's definitely not justified


yeah how about you


okay, ,


to preplan, , yeah


wait prepare as in what you buy groceries, what it's not expensive I'm quite shock


, oh then, I guess we should just relax okay sure we move on uh okay)


how about do you have the habit of saving I think that's quite is in the chat do you have the habit of saving how do you ensure you meet your saving goals, ah, okay so my parents give me monthly for my meals


which they give me very basic so it's not very it's hard for me to save because, like I just have enough money for eating and I guess like going out so I really don't have much to save but ever since I started working part time like in december


with the extra income I guess I'm able to save more and I don't really have saving saving goals per se unless I'm saving towards something like, for example I going for overseas trip with my friend in december so I will work towards saving that but I think I don't really have like long time long term saving goals which is important lah but


I just can't save that much, yeah so I guess how do I sure I meet my saving goals is to have uh what's the word something that I can, achieve in the yeah like in the near future and how do I ensure I made it is okay for example if I earn like


two hundred and twenty dollars a month I will save, ah, I'll try to save, like hundred fifty I guess, ya like more than half lah at least


so yup best for me how about you, to save, ,


yeah


!huh!


oh , ,


oh my gosh yeah, , anyway fares is hundred percent online so


, , okay we got five more minute should we do one last question


five, you start first lah


, , , ya we was very very wrong


okay five years ago I was three I guess a financial advice I will give myself is to


similar to yours like start working earlier I think financial independence is very important , I started working like after JC which was like just two years ago I don't know why I didn't work O's but yeah I think


that uh financial independence is important even though your parents are still like , should be in charge of your finance but but I I feel like if you start working at an earlier age you kind of get used to


like working and being financially independent and then you start saving earlier as well, so it becomes a habit lah from like when you were younger so ya I think I would tell myself to, uh just start working start being financial independent lah


besides there I think that maybe I should plan, like my money, because ah my dad is very transparent with uh like what he does with his salary he like really ah calculates like how much for groceries and he doesn't overspend


but when it comes to me like if I get my allowance I just spend it and then like two weeks into the month I just finished my money, so I think that if we if I like really set aside each week how much to spend then


I'll be more responsible with my money money and I wouldn't spend it, I think that when we start working especially is very important also to to really take note of your finances and what you do with your money, ya because I'll tell myself


ya I really yeah I really can, I don't know why I feel like when it comes to money I don't really know the wroth of it you know so I'm just like spending because I I didn't start working earlier yeah


so it comes full circle


really, I suffered in retail my first job was retail and it was quite terrible, cause I feel like F and B you have something to do


like you're making the food or you making drinks but then like for retail I was just like doing nothing like I'm just like, oh, which is boring right yeah yeah yeah


uhyeah okay no more question I guess,


yeah, maybe what's your thoughts on CPF contribution, we can just do a quick one I think think CPF is very important and it's something I don't think other countries have right right


oh so you mean like who you who you mean like we use the money or


I was I was yes yeah, I guess, yeah, yeah about CPF, yeah okay


part three negative experiences, or


I actually don't have phobia


yeah I really don't let me think I really don't think I have any phobia I don't like to eat , I'm a very picky eater but that's not really a, phobia you ended call yeah okay you want to come in just really oh really


oh falling fortunate falling !wah! kinda I guess that's human like human nature right,


, okay


describe a time when everything that could possibly go wrong did go wrong, ah I feel like, during uni when uni started especially the first


everything went wrong because I was in hall for the first time and I was living alone, so, I was very lonely and then uh my grades were not very good so I was kind of dealing with tried ah living alone for the


the first time and, transitioning into UNI like my grades and then, my ankle I twist to my ankle is right is right ah okay lah, lah I was, I was with you guys right , yeah it was a very it was actually a very tough period in my life


I think because I didn't expect, that making friends would be so hard I think because we went through like secondary school and uh JC in which our classes we can make friends from our, class right but UNI is like a, whole different ball game and I wasn't prepared for it I I was very confident going into uni that oh everything like would be smooth like I can make friends confirm because I'm in hall


but, yeah I guess why didn't realise is that everybody comes into UNI with a group of, friends and it's kind of hard to make friends in that sense but yeah so it's was there pretty much of my time when it was like, what about you


okay, (mmhmm)


the child who is not embraced by the village will burned it down to feel I guess


I, guess okay from my understanding what the problem is that someone who does not get like support and love will like purposefully destroyed things to get attention right okay so


come closest to starting the fire I think that for my experience it wasn't that I didn't get like support or love it was more of it, I wanted to, to


get out of the situation I guess like when things build up like stress builds up that's when I want to, like start the fire start a fire, which was like during my JC period when it was very it was very stressful for me and


my parents had expected me to ideas juggle like my religion my chores and my studies you know that kind of thing like having too much of something at the same time and because of that I wanted to


to like, purposely rebel so that I can like have them appreciate that I'm juggling so many things at once when from my point of view like they had way to high expectations


yeah this one is a yeah, yeah so I guess those how about you


these harsh well I'm glad you are not in that situation anymore, anymore


okay uh, err, what do you often worry about, I've, feel like, , ever since I guess JC


I, quite worry about the future specifically that I am able to find a job, that ah, that I find that is meaningful, like I say I want to I want to go into the journalism road but I feel like in singapore there's not much uh support or like not not say support but not much space for journalism to grow


in a sense first time right but I feel like I worry that , one I don't find a job that is meaningful or two I'm not able to get to, to, ah where I wanna be like for example like I'm afraid that I won't have like after graduating UNI I don't have like the connections to get where I want to be I don't have


the the, experience because like it's just like after JC after staying at school JC then JC then uni so I don't have that skill set that and that experience so yeah I guess I worry about that


ah yeah I agree I think like expect like for me also I'm like my parents are quite supportive in whatever I do and I I know what my interests are but it's just whether I can do something with it you know like or I'm just gonna be like, so ya


yeah (mmhmm) I agree okay yeah actually is our last question


is there one thing you would wish you could change but you will never be able to, uh am I suppose


okay


I, guess I wish I was like when I guess okay like I guess talent is something that I wish I was born with or I guess kind of, I I wish I cultivated it ever since I was young


I feel like I don't really have a particular talent like you know some people can play piano very well some people can draw very well I feel like I I ever since I was young I dabbled in all of things but I never really committed and pursued something


and, I guess I will never be able to change that because that's just who I am like some people are just gifted and some people are not so ya my wish I had one ah ya I wish I had


a particular talent yeah, or passion yup okay, I guess because I think that like, is, something that has to be from young, you know I mean ya of course


okay, you want to choose one more question (mmhmm) you choose ah


!wow!, uh okay I'll start I guess, , I okay I guess everything relates back to academics which is kind of sad


but, I feel like being a like I being a student really defines me I guess that's the singapore education system which kind of sucks but it's the truth ah but I think the time that I felt like it was going off was during my A level results


because, I think that ah as a person I'm quite, a slow learner like I grasp I grasp things slower than everyone else so like I have to study harder to get the same grades as someone so


I guess when I got my results back I felt like, but, I I wasn't good enough lah because no matter how hard I tried it will always be like lesser than other people, yeah, which is quite I I mean it's quite superficial cause I'm like, comparing but yeah that's the truth lah yeah


yeah I agree


yeah, yeah


ya I think is a coursework I feel like it's coursework that government really wants us to, cultivate because it's like


survival as in things I guess and like to to get the best out of our society need pressure, it's toxic, yeah


yeah I agree I feel like this change happening right now, now in schools


part two positive experiences


uh okay who in my life do I look up to most and why I don't think there's someone that I I look up to, like okay I mean obviously the cliche answer will be like my parents but I feel like that like in different stages of my life I look to different people


and like different people inspire during different stages of my life, I guess now during uniuh because it's such a, I guess uh transit transitory phase of our life uh like a lot of us uh a bit lost and we don't know what to do I guess


so I look up to the ah people on like social media that I followed like personalities I guess, that are doing what I want to try to be doing and then I let ah I I want to go into like journalism


so I followed a lot of like singaporean like local writers those who are into the industry and, some of them are students as well so, ya I think I looked up to them because that's what I I want to be


yeah (mmhmm) how about you, yeah right yeah there's no like one person


yeah, oh


great okay , despite the ongoing global uncertainty what makes you optimistic about the future, uh okay I think


the I mean for me the ongoing global uncertainty I guess is the political atmosphere right now, and like COVID I guess also like everything right so what makes me optimistic about the future


uh I feel like our generation we are can comparing between other like our the older generation I feel like our generation is a bit more, ah open and understanding and a bit less a bit less sensitive about our


opinions I guess we're not we're not easily offended and I feel like there's definitely, uh a progress in values and I can see it I guess also through like


the reason singapore elections, our generation is a bit more like we we demand diversity and uh a change in authority, while I noticed that when my parents and their friends talk about politics they are very sensitive about their beliefs


which I don't know why but yeah so what makes me optimistic is the fact that I guess my friend group and our generation we can talk about things more openly and we are more open to change oh


(mm, okay


can sure move on, you want to choose,


okay my perfect day would be because I love the sun and I love nature my perfect day will be going to the beach, ah and, just enjoying myself at the beach get some sun with my family and then


going home and having a chill day yeah I think that's pretty much a perfect day yeah


ah , oh my god


okay uh let me see, what do you love most about yourself a bit challenging , ha me you go first


half way ah, okay ah I guess something I like about myself is, ah I realise that I like to listen more then I talk


ya and like I guess I'm just a listener I mean I don't know if it's a good thing or not but I think that that I like when I because I like to listen more, I just I think I'd like to hear people's opinions like I like to learn more about a person especially when


we just met yeah so I always find myself the one listening instead of talking, like whenever I am having a conversation with my friends yeah


, okay, you wanna choose


ah well, you first or me


appreciated for my hard work let me think, (hmm) I guess my parents I can always come to my parents to


be my biggest fan , I feel like because I'm like I guess I'm a bit hard on myself for like when it comes to goals and my expectations so I don't really


I feel like I've never really like accomplished a lot like through out my life because I'm quite average I feel I'm quite average person but I think my parents always, ah remind me to to, ah work hard and then when I worked hard then to be happy and proud with what I have achieved so I think it's not like one moment but it's like


a continuation like throughout my life yeah


okay


ya me too


, okay


, , what are you thankful for, ah okay I think the most generic one but the most important one is my family


I'm I'm thankful that I guess I feel like different people have different blessings in their life, so we should shouldn't like we should never compare but I I like I mean, I'm not comparing myself to like my friends or anything but I think that


uh my parents uh brought me up in a very understanding way they always, they are very reasonable and they always explain their reasonings about why they like choose to discipline me in a certain way or choose to bring me up in a certain way


and I'm thankful for that and like they were quite strict but not really at the same time, so yeah I guess I'm thankful for the way my parents brought me up and the fact that I have siblings, I think with that I have a strong family foundation and I'm able to choose my relationships


be in friendships or relationships like outside, better because I know like the way I should be treated and that that's the level of respect that I'm supposed to receive yeah


thankful for, oh thankful yeah yeah


, okay, uh you want to choose


, what what constitutes as odd ah dare to something you want, uh do you have something in mind


okay let me think what is oddest or most unique compliment that I ever received, I'm trying to think something that's odd but not offensive, you know what I mean


okay let me think unique compliment, I'm trying to think of the compliments that I get but, okay someone once say that


I have a very nice like my body's like a sports body, I guess that's kind of odd I'm like okay is it not I'm like okay thank you like , okay okay


okay but I can't think of anything else, oh, oh my god I really can't think okay


yeah okay actually move


choose a choose another one, oh okay( uh) I think my most memorable one was when I went


bungee jumping, when I went bungee bungee jumping in new zealand ya I think that's my most memorable because, it's an experience that you can't really get in singapore I mean you can but it's different uh completely different scenery and


I like to go on road trips as well because I feel like with road trip like, my family really bond so ya new zealand was a memorable memorable one because I like road trip and the time we spent together ya


!huh!, !huh!


, , !wow!


you wanna have we we got like ten seconds left, okay (ppl) [oh] that's so cute okay


okay part one financial related topic


ya I'm sure that there's a lot of room for potential over there and a lot of companys might be going on pillar blockchain very soon later I think there's a lot of potential in that particular market so my investment strategy just to invest regularly into


market slightly and how do I plan my investment portfolio


until I die ya, it's it's never ending ya uh so (ppc) at any probably that there's some some mark to it like every two two years five years ten years I probably catch up a bit here and there whenever needed but then


generally speaking I feel that investment into something is a lifelong lifelong habit ya what about you


yeah cause at time if you were to stop investing the inflation iwill eat us up anyway so yeah investing is just the way to hedge against that and go all well yeah


very high risk at that time ya ya tas high as you can achieve because uh now since you are young, alright there there's no point in like playing it safe cause the more risk you take the more you learn now you lose money you learn why you lose money and you'll make money you learn why you make make that money too so the more risk you take the more you learn lah that's how I feel


and which is quite subjective also ya so so do you do trading ah yes I do trading and uh what is your trading strategy buy low sell high


too greedy so on so forth but I don't trade with big amounts of money ya I trade with you exchange formal because I'm not very good at it but I go with high leverage trade ya so that that's my strategy


you don't which is tough


ya have you invested in options before no why is your option share never never invested in option before


oh ya , yes so uh ya ya you you answer the question first


I used to invest but then I cash out everything ya I invest in what what do I invest previously I think singtel DBS, ya I I made a few percentage point actually it's quite boring I cash out everything ya actually


there there's a lot of room to make money in the stock market but then, there's always opportunity cost what and in this case the opportunity cost is uh cryptocurrency ya so which is which is a very expensive opportunity cost so I I have no money in the stock market now


oh put uh future growth potential and if they're profitable to yield or can they be profitable yeah that's what I look out for


(m mhmm) <B>, I think it's very similar lor those who are good at it will will make a lot of money but then


that's less than ten percent actually make money of ya trading, but investing wise right is definitely not gambling ya not investing is gambling, ya if you do not invest right you are just hoping that inflation do not go out of hand and


you are just hoping that every year should be two percent and it can't be more than that and, and ya and your and your entire saving is just betting on how the government is going to like how much would they like to print that year so in that sense


I feel that is gambling uh but a lot of people do not realise that the government is printing a lot every single day lah so they they don't they feel like it's safe holding cash so ya they don't think like gambling


but then, yeah but then if people is going to invest or trade without using their brain right they end up losing way more lah ya so so


have lah ya, bound to make money ah


ya, but the most important thing is financial knowledge ah I feel, ya it is something like speaking english chinese or math and science financial knowledge just the one of the modules that's far underrated unimportant in school but yet is a necessity necessity ya kind of knowledge that everyone should learn


[loh], okay moving on options are worth looking at for new cash grab investment do you agree


lack of cash ah [orh] I think options are risky lor a potential shipwreck


ya because options have a expiry date lor and you have to sell it before expiry date like for example the like the oil crisis that happen just a few months back right those who hold the oil option right even though ya it's like negative, thirty seven dollars at one point it seems like they make a lot of money but then when they are unable to sell it then they have to bear the cost of like holding those oil which can have amount up to a few hundred and


million ya, they end up losing even more than they make if if things get worse lah yeah exactly so I feel like in that sense it's actually very risky


go on high leverages ya it can be very risky


yeah invest in what they really know lah


, okay moving on what are the thoughts on investing in highly leverage products like option yeah we I think we just share our thoughts on that if you are really good at what you do I mean you can definitely make money ah he me needs a lot of training yeah


if you that's that's your passion everything can go for it get CDP or custodian account which one should I use and why what is CDP


uh they will give me passion ah , !wah! it's amazing, any anyone who have ever thrown in money on


on march will make a ton of money by now, !aiya! ya close your eyes close your eyes throw it to any stock you like you probably make money ya its that simple because when there's so much fear in the market right so easy to make money yeah all you all you have to do is just to invest ya


it's okay ah it will be high rise a lot towards the end of these periods so ya regardless regardless opportunity cost they will still be negative if you if you were to go into stock market


in these in these few months five times eh yeah that's the thing but the general stock market just increase like thirty forty percent which is a lot of money ah like a lot a lot of money for for stock market all the other years yeah exactly uh


ya (mmhmm), because governments are printing even ever more money than ever before eh you see the US they print they give stimulus check and then do a lot quantitative easing ya all all other countries just follow lah essentially because they don't want their exchange to be very different from where pegged to the US dollar lor


so whole country will just pretty much follow okay, I think ETS lah ETS is okay


because it's just it's just a fund that it's like a basket of stocks that is there that you trust then then you just


wait unit trust unit trust is when someone is managing it right


if I'm not wrong I I'm actually not I'm not exactly sure about unit trust just like PETS but I think unit trust is like uh a fund that and a manage a manager is actually actively managing that that fun ya


which which means that they are going to actually take like uh one one percent cut lor whatever amount percent cut from me yeah and most most managers hired there right those so call financial advisor actually do not beat the average index of the of the market ya so


so you so it's actually if you do not know anything about it, I think right the best is to just buy on the market ya which is to take the average of the entire market instead of asking anyone to invest it for you [orh] ya that that's my impression of unit trust actually not sure exactly what it is feel like googling it


uh I'll be typing on my keyboard so never mind it's okay, , ya lor what about you


through the entire bear market yeah it's that a painful bear market


future potential


so do we move on or you'll wait until your time voice by


uh we don't have much in our CPF so because we are self-employed yeah we we actually decide how much money to go into the CPF ah


ya we decide we decide on how much because we are not self-employed the employer right we are thinking employed by our own company so we can choose to pay ourselves however much we like ya and based on that uh based on that we'll pay the CPF through that


if not we can just take director fee which we do not, need to pay CPF on so that much in our CPF and I think the best use case of the money the CPF is just, just for housing ah okay let let let's stop now right


okay stops


negative experiences part three negative experiences


but nothing nothing much there, those images of like there's a lot of holes photoshop images a lot of holes in someone's hands or face or those kind ya ya those give me goose bumps I cannot stand it


its quite , polite


you can always get back up and start over there there's nothing that you can't get back up and start over, ya, you just seek for forgiveness and you move on


because life is too short to actually keep, staying at the same place, , that's how I feel


describe an event that made you very angry, , it's actually mainly when people who are close to me actually like don't listen [loh], ya because when when there is a conversation right or there's conflict


ya uh I'll try to be the first one to listen to , other partys opinion or like standpoint but then, sometimes it's a bit tiring to do that when the other party do not do the same, ya it feels like


yup when this kind of event happen right, ya will make me very angry ah because I don't feel like I've been understood, ya and


yeah, ya I feel that, I feel that'll be great but then, for people that I don't trust or people I don't really give a hit nobody care about, ya it doesn't really make me that angry actually because I can choose not to even


listen to their opinion to be angry and walk away ya it's because of my loved ones that I can't walk away that I have to be in that conflict, that actually cause me to be even even more angry


okay I think I think should be okay, do I have to repeat or


or resume mah, never never breath all, okay ya


, no eh ya move on, ya,


not quite ah, not quiet not quiet let's move on what is what is an issue that you feel upset about, over because you feel the world needs to do more about it


oh ya there's actually a lot of things I feel upset about but yet I also feel, like this is just a norm, ya, uh things like, , things like people dying from starvation


ya I just feel that, food is dirt cheap what, while the production of food and everything the cost price of pickup instant noodle is probably less than five cents and, yet, yet it can't be delivered to those people who actually need it


ya and I feel that the, it doesn't cost a lot of money for the world to actually do something about it, but unfortunately the government of, those country actually, make it, make it hard for their people to survive ah


ya, and I think the world, also can't do much about it also unless the government of those country actually change, ya, other things like the animal cruelty and all


ya I just wish that the world can do something about it ya I feel upset about it then, also don't see how, the world is going to change because of this opinion, ya humans'll only be more cruel, ya and


and will will never seems like it's going to stop anytime soon lah, who care about it ya they care about it but then


nothing is going to change ya


ya but then but then they are they are not rich enough to do to make a difference that's the sad thing ya, actually is is is really counted expensive one, ya, like only bill gates can just throw twenty billion dollar in it


and, one yet that'll be one years of foods for the entire country entire africa or something, actually not that ex but then, but that ten but that ten billion dollar investor will give you around seven hundred million per month, ya so why not


ya why do you throw that money away ya to help people uh so fundamentally everyone needs to, play their part lah like, like you are you are poor for reason ah you're not you're not producing enough for the economy, that's why you are poor ya so


uh and ya so there is actually, theres nothing anyone can really do fundamentally about it


that's that's what I feel upset about lah, okay in the post COVID world what are some of the worries and anxieties that you face, uh not making enough money lor, ya that's


like that that's that's why I worry eh, uh everybody saw a post COVID world this post or create all, ya, till this world where anxiety still stays,


yeah it is tucking a knot, ya nothing to do with COVID world, but but in terms of COVID, I , actually there's there's really nothing


nothing much the world can do actually it just each of us just have to quarantine ourselves and, be careful ah I bet that's about it


ya because you don't quarantine yourself enough what what if you lock yourself, in a room the whole time, there's no way you get COVID ah, is it and don't work ah ya then you quit


because if you get COVID is worse right so might as well quit, thereon you need to need to balance the risk and reward ah you'll feel that's risky if let's say COVID become ten thousand people a day or a hundred K a day then why why you still go to work no want right you don't wait for the government to tell you oh you shouldn't work then you don't work it went to you need to judge it by yourself lah


if you think it's too risky out there then you just stay at home lor then just quit your job man, try to survive lah you try survive eat instant noodle everyday, ya then then learn a skill lah you can photoshop uh images for people you can actually ya do video editing at home for people you can create contend whatever that is just learn a skill that that is needed in the economy that you don't need to meet anyone ah


ya but a lot of people, do not take up the the duty of


uh because when I get angry I also tend to say things I don't mean lah ya might as well hurt, all it meant , what frustrates you, uh frustrate I think it's about same as an event that made you angry [bah]


ya, probably the same thing what frustrates me, it's when people don't listen, ya, after uh the best part is after I listened to their concern they might not listen to mine, ya that that is what frustrates me


okay what's the worst thing you have witness and kept quiet about, , worst thing, none nothing, what what what what bad thing can really happen


actually there there's nothing there, actually really there's nothing how about you


, but you did not keep quiet what so that, it's not


all right so when you actually kept quiet you feel ya that's the worst lah, okay, we call a sin,


uh , left for god ya I think that there there must be a car video, I rarely see this kind of movie but I can't remember, ya it's just it's just when the movie right is is not making sense at all


ya that's the that's where I get very angry it's not logical there is like they are just trying to forcefully put in the plot in for the sake of putting in ya and sometimes so forceful that I get very angry and stop watching


or too boring you stop watching right,


ya but not angry you know,


, but you'll still continue watching ah, ya, okay describe the time when you were unable to help someone in need many times what yeah people are starving you are unable to help


ya it just there's a lot of times, uh what I've known, , sure a lot a lot a lot of things a lot of time


cause many a times people around us, are having a lot of problems and most problem technically can be solved with money, ya and, sometimes when you see that they are frustrated or they are, they they they need the money just to


just to remove their, anxiety feel whatever thing, just just make you feel like, !hey! I work fine, or I repeat myself ah


so , this is it just make you feel like if there is if I made enough right all these problem will just be resolve automatically, ya so I feel that, ya this


ya, but, very very few uh very few


ya ya, and you can actually buy that what just go and get a get get a psychiatrist to talk to you you get what I mean what a poor they have to suffer themselves in their bedroom crying [orh]


ya, I will ya that that's where you are you are lucky [ah]


okay part two positive experiences


, okay , I don't have much travel experience ya, maybe it's uh the one of the more memorable one is my china trip ya like the culture over there is great I mean uh


uh the the people is fine there's nothing nothing much about the people they just, just entire lifestyle, like like services are very affordable such as Grab


there are didi uh there are Taobao everything uh uh cutting your hair went to salon everything all services are amazing and it's all quite all quite affordable ya unlike singapore ya it's very


expensive so so you you live you you can you can live over there with for three K a month sing like like as though you live in ten K a month singapore


exactly ya so you feel very rich not not like that lah maybe maybe you'll feel that way in, thailand about there as you were born in china but but things ya generally are very affordable


no eh I don't get rewarded for doing a good deed the best reward is just feeling good about yourself after you help someone you don't expect to be yeah to be rewarded when you do something like


like just, ya that's not very what bad mentality lah but of of course yeah of course we human sometimes still hope for reward so that's it just a mental that we need to improve


born that , expectation for reward lah and ya probably because of that that's why I also don't get rewarded lah the mentality you'll quite get rewarded for any so called good deed


ah okay, another deep question


a million


ah nothing much eh (uhuh), my my my face even kind space found the signal all this well yeah they then yeah then what leads you I don't lose favour so ya that's ya


what leads you to experience an adrenaline rush alcohol [loh] I will or when uh okay there there's one one experience that I have ya when, I actually made uh around like seven thousand plus dollars in a single day yeah through trading yeah that that is one of the most adrenaline rush I ever have


yeah it's just insane exactly it's like a day whatever ya, ya like I I can't believe it ya everything ya even though there are a lot of traders make hundreds of


thousands like this like ya this like nothing but then it's my first big amount made through trading ya


ya oh I remember one experience is uh going sitting on a roller coaster


sometimes I'll also get you ya ya, I'm hell scared of height and speed ya combine, and that then give a long one drill around but then


gilson ya not quite nothing much


all come in


what's the proudest moment of your life okay uh


I think it's probably the the habit of starting to invest lor ya that's this feel very proud of myself to be halo by me then to actually invest benderly yeah this quite life changing after a while


how about you


what amaze you okay


uh, I think those people that have very high self discipline, ya that's the year mean (hmm) and like the amount of things humans cannot achieve in their life time is really amazing ah


ya ya it's like you see like the concept of like let's say going to the space this kind of thing like five hundred one thousand years ago is close to, you can only dream about that ya and this is each day as a dream


for these many years until it really become a reality but then what really tilt the point to the reality, ya that that is very amazing, ya it feels like whatever you dream can happen ya it might not be in your lifetime but as long as it effort enough people dream about it one day it should


happen yeah


explore the world


the freedom of the world freedom ya


nothing much eh, ya


openly proud of having okay


nothing much to share I think we just skip it, go out and eat ya ya that's that's good frankly the yogurt not bad


means are able surprise us or we surprise someone the question is try to ask how our best surprise to someone or or like someone surprise us no eh no one really surprise me


this is not not surprising you get what ya let's move on last fifty seconds leh


media they are giving uh wendy's question is very bad galefe it's like try to make sure that you are optimistic to gary, , it's like someone have to be optimistic to answer this question


I I ah I I'm optimistic ah it just lies that they are optimistic but then tell you face declare, ya for he's uncertain to begin with ah right


ya okay lah I think we've come to the end okay so you press the stop button


part one part one financial related topics


okay, what is your investment strategy, how do you plan your investment portfolio and how long is your investment horizon maybe you'll like to answer


the first question first


I agree with whatever that you said uh I personally also invest in crypto currency uh


then , I personally believe in the blockchain technology just like you do lah so uh for the investment portfolio wise my my money is mainly invested into bitcoin and also some other altcoins ya


but, currently mainly is bitcoin ya, uh as for investment horizon like you said ah is really lifelong and I I don't feel that I will stop ever stop investing because having the chances to invest


uh, I feel I feel is is is is necessary, to uh create is to build more wealth ah, ya over time, ya


ya definitely , yup so what is your risk appetite when it comes to investing and trading, very high in what sense


oh


okay uh as for me I think my, risk appetite is uh I I I would say that it has increased over time previously my risk appetite is actually very low like


I was be quite afraid of losing money definitely I mean no one likes to lose right so previously like I have the fear but then actually after like reading up and researching a lot uh on, the whole investing and trading like I would say that my risk appetite has uh continuously to increase and uh subsequently it just becomes more like because I understand about the market which I have very strong faith in a market that's why I don't mind taking a lot more risk


yup ya


but I don't sell high ya , that that is what everyone wants to do but definitely is very difficult ,


, that's very cool


I I personally do not uh as in I kind of already give I kind of gave it a try at some point but I realize that uh is, quite, hard to do so because like sometimes it's like gambling like like you know you bet in the markets


, comes


ya, (ppc) okay, option should


okay do you invest in the stock market, oh do do you invest in the stock market uh


ya, ya, I agree with you what do you look out for when you pick a stock for investment


!aiya!, I also look out for about the same thing, ya especially on the on the future prospect of the company the future potential because whether the company


I think like it's very important to know like what a company vision either mission is to uh like how they visualize themselves in the five years time what's their plan and everything before you actually invest in them, ya


do you think investing or trading is similar to gambling ,


, why would you say so


ya, ah


yeah it's definitely not safe to hold cash at all I I completely agree with how like


a lot of people don't know about this lah ya but and think that cash is like a safe haven and think that cash will help them to uh, pick through and they will still uh feel safe but then actually in actual fact it's not it's not really the case ah, ya


as for , losing money ya ya correct correct but then actually when you think about it right if you were to invest in like the major companies like even if you have like little to I mean kind of little knowledge in the stock market in general but then like you invest in very great companies such as like Apple or like


like, Tesla ya ya all these all these very big companies they uh they are they are, bound to make money ya like even even though it might be a few percent but it would definitely I mean more than uh more than likely to have a greater return than the inflation which is currently two percent ya so I feel that in terms of these right like people should still invest ah it I mean it it's


ya,


, ya definitely but our school does not teach us


cash dry means that uh people who who have lack of cash ya


if they are unable to sell right (ppc)


yup


yup agree I think I think for new personally I think for new investors right they uh, because this question is asking whether options are worth looking at I would say that I personally personally will not will not suggest them to look at options ah I think I think I will suggest them to look into stocks instead for very new investors like personally I think that like


because the big companies the major companies like especially like especially if they are working in a big companies such as Apple like I would personally suggest that uh if they are and like let's say they are an employer of Apple and they they see how Apple is operating in the in the in the


in the company within so they actually will will be able to understand oh the company is operated like this what kind of plan do they have in the future whatever years so they actually will have I mean if they have a strong faith in their own company right they can actually go for the Apple stocks instead of


other any other investments so I think that's uh considered a safe and, correct correct like it's actually more safer when you invest in something that you have knowledge about rather than something that like is completely new and and you have lack of lack of understanding about it yeah


what are your, , yup


I actually don't know about this


ya like especially Tesla right , ah ya


but unfortunately we did not , ya, actually


as compared to the as compared to the previous years right ya, (ppc), so uh what would you say I mean like why why do you think that uh recently there will be such a huge increase in the stock market


just like singapore also, ya


yup (ppc), yup yup okay ETS or unit trust which investment instrument do you prefer


but I thought usually ETS consists of, consists of like a lot okay a lot of different stocks then like part of some of it might not be what you actually uh believe in or or have very little knowledge about then


I have not (ppc)


oh okay it's okay never mind okay what other, okay , honestly speaking I do not have any preference because like personally I do not actually research on all uh these two instruments


because like uh previously I have very honestly I have very little financial knowledge uh because I'm quite ignorant in the financial market but then uh subsequently a few years back I was being exposed to uh a crypto currency and that was one of my very first uh


very first instrument that I actually go into like I I initially invest like a little bit just to give it a try, and, then after that uh bitcoin bitcoin rise mah ya I mean the the the crypto went very well at that point so uh


ya then that makes me have kind of like when I do more research and understand more that's why I have been investing in uh crypto currency and not really on, ya the the entire bear market


ya it has been many years since then I mean two zero one seven, the peak till now, it's been three years ya but I believe that the I believe that bitcoin would definitely it's very very high yeah it's very very high so so I'm still waiting


still waiting for it ya, uh what other okay, I think we are done with all the questions, uh, but uh


we can we can say, I have no idea oh okay this is another, oh do you invest your CPF money share your thoughts on the CPF investment scheme


okay, ,


it's just for housing (ppl) let's stop let's stop


part, part three negative experiences (ppc)


describe something you watch or read that give you goosebumps


oh oh my god ya ya those, uh for me is


I don't know something horror like anything horror actually like basically like stuff like dolls, like those creepy creepy looking dolls I I feel that they are very very scary cause they stare into your eyes ya, or like


(ppc), or like cockroaches I hate cockroaches, a lot ya, uh describe a time when you feel that you have committed something gravely wrong and there is no way you can get back up and


start over


, I mean I would say that (ppc) at some point in my lifetime


that is really time stamp I don't think that I can get back up again that kind of feeling, ya like, uh you just want to give up, but in terms of committing something gravely wrong I think it's more of


uh for me is not really committed something that is gravely wrong wrong, is more of like it's just feeling that life is really so, tiring very very tough like like just beyond words can describe, then


like you just feel that you just feel that like what's the point in life because at that time I think I was very pessimistic I was I was a very pessimistic person lah so like when whenever uh the night comes in, there's, having very very negative thoughts about everything ya just have very negative thoughts but basically I I don't remember what are those negative thoughts anymore because I've grown but


the negative thoughts and feelings that I had at that time right made me made me a very generally a very negative person and I can I was then I really feel that life is very, tough I mean just, beyond bearable I like there is


kind of like no meaning to life at that point ya


so you actually feel that the other party have to, listen to, you when


because of


okay, yup (ppc) never, okay , as for me I think what makes me very angry


what makes me as in actually I get angry over quite a number of things but then like I think the very angry comes in when uh it involves the people who I love or


or the people who I care for, especially so whenever there's a conflict or like (ppc) or like uh some like I feel that I'm been accused or I feel that there's uh, I'm like, is unjust to me ya like when I feel that when I feel that the situation is just


really that that person that other party like doing something that is wrong and and and make me feel very upset then like that makes me actually very angry because I love the other party but, but because but, but like the other party don't get it that kind of feeling then like it makes me feel very angry lor


I have no more background already ah then


oh don't don't have don't have, ah ah, ya ya okay okay (ppc) ya it's okay ah ya okay so


what disgust you, do you want to answer that question, you don't have a answer to the question you don't have anything that you find disgusting


think I actually cannot hear you very well, ah


but actually when I think about it there's more and more like in terms of animal cruelty there's actually more and more people there's an increasing number of people who actually becomes vegetarian who cares about it (ppc), this will actually I feel that this is like little efforts matter lor because like for example for human starvation right like the people who care and the people who comes out with a initiative such as like going to the poorer countries like you know the countries where they have


ya so like there there needs to be there needs to be enough rich people who actually


but then they are not doing it ah because they do not,


my feel is more like the circumstances sometimes ah but at the same time I agree with what you say that everyone actually plays a part in whatever they do lah like for example the


people who the poorer people in their environment they can actually get access to like they can actually try to get try their best to get access to internet to get, to get knowledgeable to begin with and to do something about their


current situation lor but the thing is that I think the environment is causing them to be as in it's very hard lah it is true that it's very hard, ya


I think that ya ya ya exactly actually this worry still remains all the way until we are financially free, ya, I will say that (ppc)


ya you were you were saying


actually the that actually the main worry when I think about it is that one day you might be the one that contracts COVID ah I mean like you can do you can say that you'll do your best in


ya but like due to circumstances like you know going to work like let's say let's say your company let's say your company is not is not uh working it's not implementing the working from home then like you have to go to work or like


what if there what if these people do not have any savings like there there are people


describe a time when you hurt someone's feelings


uh hurt someones feelings I mean sometimes I I would say that, as in there's not a time lah there is more like a lot of times ah I think cause uh unintentionally I think sometimes like I can say very mean words very harsh words uh like sometimes it's out of my control because


uh whenever I get angry or I get upset over something uh the words that come out of my mouth that definitely do not sound the best, ya, and and sometimes I can't control ya like it's because of my, uh, inability to control my own emotions so I tend to spill words that I actually do not mean to the other person and the other person get uh feelings that hurt


ya but, I mean this is something that I definitely need to work on on myself ah so that uh I can I can choose to stay quiet and choose to tolerate it instead of spilling nonsense ah


what frustrates me is when, like, I feel that there's nothing, that, I feel I feel that the other party like, does not understand me, ya, it frustrates me a lot even though like for example I have I've tried to convey in my own words to the other party about my feelings on my thoughts


like the other party like uh seems to listen but then did not actually get it in lah like that feeling that, the other party don't understand you like even after that you try to explain yourself or you try to explain about your feelings ya that that is very that is incredibly frustrating but then as in that because the other party is someone who


like I care about and, like there's there's I mean its like not like something that I can just [orh] okay lor then I'm not going to be friends with you anymore then oh oh I'm not going to be uh involved with you anymore then I just walk away it's not in that kind of situation it's not that kind of people that I can just do that lah so that's why it makes even more frustrating oh


the first thing that comes to mind is like maybe when I am I am in my schooling days lor


like like when, I saw like stuff like when I saw people cheating like during exam, like actually cheating like they like it's very obvious that they are cheating but then but then like because I mean, ya like like just it's


I mean it's very wrong [orh] ya I I mean I I did I did I did tell the teacher once I think before then, no no like no like but there are other instances lor so ya lah so


recall a scene (ppc) from a movie that made you too angry to watch


no leh


, but I have not I have not actually watch any movie that makes me


too angry to watch because I mean , , I mean if it's boring I'll just quit watching lor but then if like it does not make me angry ya like like there's no movie that can make me angry I will say ah oh the only


anger that I actually feel is when like for example I put myself in the character shows then like that character is suffering from something that is so unjust or like so like so !wah! like just incredibly oh my god like the other party like do something to her or like whatever shit then like you just feel very


you just feel very angry lor yeah for the for the character but I'll still continue watching because I will not I I want to know what happens next and stuff like that so ya


I think they are they are I think they are saying like physically like someone that you know


I actually cannot hear you very clearly


but not everything I feel that not everything can be solved, by money lor I mean to be honest like, facing but it's not financial financial related like certain stuff like relationship


like, like stuff like stuff like relationship problems or like family problems like that and they share with you then like all they need is actually like a listening ear or like uh comfort


no [ah] like like that's that's what friends are for [what] so like you'll have you should have I mean you have friends who like unconditionally be there for you and help you


part two positive experiences, okay uh okay have a heart to heart chat regarding your positive feelings uh describe a travel experience that left you in awe


okay uh I think one of the travel experience that left me in awe was when, when I was back in Venice I went to okay I went to europe with my family like I think when I was secondary one


or ah secondary one ah also ya so at that time we went with a tour group then we went to this uh place called Venice lah ya so Venice is like uh they they are a very quiet and uh very quiet very peaceful very I would say that very


natural kind of place like it's very very nice then like when I sat on the gondola so I sat on their this boat thing that that that is called gondola then then like the the the, the man who like uh slide the the gondola


the ya he he, just, like very very peaceful lor like bring us around the whole the whole city I don't know whether is it town or city ya that that place yeah so, so like !wah! really like at that time it's just my mind is completely blank I'm just like completely awe by how like !wah! actually is feel so good


because like just sitting in a gondola like you hear the you hear the sound of the nature, the sound of the sea like basically everything just look so beautiful like the I see like the towers and everything even right now like I can still remember lah how it exactly looks like in my mind like when I sit when I sat in a gondola so like that was that was so many years back


but I still remember until, this day so that is really something that !wah! it really amazes me how, how uh, how beautiful it is ya that's why I feel travelling is really one of my biggest


biggest joy ah ya, okay time time for you, okay


, like culture as in what, (ppc), do you mean the people or like


oh what do you do there, they are if


affordable [loh] like, , I see


ya because of the currency difference as well right then like over there the products are very very cheap just like how we #tao bao#, ya, you you feel like a millionaire when you are not


ah , I see okay what was the biggest reward you had ever received after doing an awesome good deed


I I agree with you


then then ya there shouldn't be a reward to begin with what, I feel ya


ya but like when (ppc) when you offer help to someone you actually offer help like willingly so there shouldn't be any expectations exactly


, ya, okay uh describe an experience when your faith in mankind was renewed, !wow! , okay I think I think for this question right uh the first thing that came into my mind


is is like oh okay uh okay okay, my faith in mankind I I'll say that I'll say that like this this is like when I whenever I watch YouTube like I have this uh sometimes I will watch YouTube or like how uh


like, maybe mister beast you all like mister beast have been doing uh, various deeds like such as giving a hundred thousand dollars to someone or like or like he just uses different ya he just uses different challenges and then like people who win the challenges actually get their life their life