I mean there's ya they are the longer master uh what function and stuff you know paywave and stuff, uh and I think it's good ah especially in today's context where a lot of stuff is cashless


and, it's also very convenient because for example if I, go out I forgot to bring my ez card then I can just use my uh debit card or even my phone as a substitute or alternative alright uh do you want to say


ya ya ah


uh can you share your experience using your debit card


alright okay uh I think my dad got tell me what's


the for me the the difference between debit and credit is one is more evil ah in a sense where if you use a credit card, you will have to I mean the amount will be deducted at a later time but debit card yeah debit card will be on the spot


ha then one of the credit card credit card also you can use even when you have no money right you can pay something like that


uh you go first ah


uh K I'll just answer another question at what, at what age should a child be given an ATM card I think based on personal experience


fifteen is a good age cause they can already start working at like at around that age or sixteen you know then uh K it helps the child to have a sense of independence


yeah then like based on my own personal experience uh, I also learned how to manage my own money, and not depend on my parents all the time, and it's helped me ah so even when I'm in a bad place financially


I still know uh how to manage with what I have, yeah, uh okay [orh] sorry I have no child lah okay uh your turn


I think uh I think I can K maybe I will go back to question number three uh I think ya couples should combine their finances and open a joint account


but provided uh uh they are very sure that they will stay together uh I mean things can happen but, it's just a matter of confidence ah cause finance is a sensitive issue


and if you know things happen uh then like will be a bit difficult lah to manage, ya cause I mean based on other people's experiences I've seen like people arguing about property and stuff when they divorce or separate


so you should only combine if you are very sure that you can trust each other


five ten twenty thirty years you know but you need to save yourself ah at the end of the day instead of just ya if if like even if they like discuss to uh divide their money into half, then if one party doesn't like put in as much you know that would be ah uh ya [orh] K so do you do you want to go first


[orh] so my time right uh, K I'll answer okay in a post COVID what changes will I be making ah I think we all got used to spending more


ya cook more then maybe actually think of, what I really need ah uh instead of just buying on the next question how I spend my money [orh]


alright uh how do I spend my money, I spend my money on food ah a lot, like ah ya I'm I'm always hungry so and I I'm lazy so I rather spend than cook, but then must change lah uh and then which expenditure is justified


uh yes food is justified but then I've been spending too much on it because, like I said before I can choose to cook but I instead I choose to you know buy delivery and stuff yeah so maybe think of what item can have instead of what I want to have


yeah and maybe transport ah like grab yeah K I'll answer the last question ah, do I have, I like to think that I have a habit of saving but


uh a bit difficult ah uh like especially at this age yeah you know cause we want to spend time at with you know like and stuff and it usually requires quite a bit of spending ah, maybe there are alternative


uh options that don't require spending aspect like singapore (ppc) yeah okay


alright uh uh yeah, I think I think the at the end of the day we just have to be aware ah because we tend to get carried away you know even if


you have a clear or solid plan but then if you don't follow it also then like defeats the purpose


uh fixing bicycles you know one of my friends he buys bicycles then he sells them back so his profit which is usually around like four hundred to eight hundred dollars ya depends ya I think that's quite smart ah


uh K small things that make you smile when your friends remember you in anyway lah ya doesn't necessarily have to be like [orh], uh let's eh do you want to go out you know but instead like eh I saw this thing give me a favour that kind of thing yeah right that's what makes me smile and I like to do that to people also


uh part three negative experience


think my biggest pet peeve is, I got a few ah [orh] you know when you want to cross the traffic light but then don't want to press the button ah those people don't deserve to live


correct correct ya that one that one, that's quite sad but I didn't cry ah so I don't know what make me cry and sad


when did I cry watching movie, cannot remember ah uh next describe what do you dislike about the younger or older generation [orh] I can describe both okay the younger generation


younger generation a bit too soft ah like especially me as solicitor in SDF, eh wait is that personal okay sorry but ya in NS, uh people


or the recruits they tend to be very soft like they they act tough in front of you but then when you give things like something slightly harsh then they will start complaining to you first then to your higher ups, and I don't I don't get it ah because the point of national service is to make you grow as a person right so if you go through everything the good the bad then you'll get to experience everything and also get to uh


differentiate between what you like and what you don't like so you don't you know I have to experience it again in the future that kind of thing, ya but uh these people nowadays are just too soft and too whiny ah


ya then the older generation the older generation tend to be too, uh closed up like they don't like to hear opinions, uh they don't bother to try to uh


try out new stuff or like alternative methods and stuff, so in like in ins in a way, uh , how to say ah limits ah (oo) the possibilities of what can be done yeah but I think our generation is just nice yeah K your turn


okay uh let's just skip the travel question, describe a time where you feel like nothing you do is good enough I think a few times uh ya even like two weeks ago


uh uh this one so basically, okay wait okay maybe not that ah uh [orh] K when I was in a trainee I uh was physically the smallest guy, then there were people like much stronger lah or bigger than me but


there are people some people were supportive and helpful, but there were others who are just eh you small ah you cannot do anything ah that kind of thing so like me as a as the person who cannot like, uh how to say ah live unsatisfied so I will always try my best to improve and ask a lot and then that became even because I asked too much to them according to them ah then


like at the same time like uh uh whatever I did like wasn't right to them ah, so at that point of time also self confidence was very low, but deep down I knew ah I I was capable or I am capable lah but yeah


when you go through this kind of thing for so long, then it gets to you and you start to believe that it's true yeah, ya my time up right


K K I I think I skip uh what is the most traumatic incident you have experienced in your life alright, okay I I answer the next question uh have you experienced any loss in your life yes, uh I lost my mum at seventeen Alamak uh K uh uh ya ya uh


my emotions were all all all over the place ah cause initially I didn't know what happen or I wasn't sure, then after that when I was sure it was like really uh happened how did I deal with the loss


[orh] that day was the first time my friends saw me crying I think that that's one of the few times I remember crying cause I rarely cry yeah then how did I deal with the loss ah, just cry every night ah yeah


I mean I deal with negative emotions or negativity by just laughing or smiling, but then yeah it wasn't a bit ah I is used to cry a lot but people didn't know yeah, I think it's a bit of ego also ah cause people know me as someone who is always happy and positive


I guess but then uh maybe it's maybe subconsciously trying to suppress, like in myself yeah cause I didn't want people to see me as weak


you want to answer any questions, okay can never mind


why so difficult to talk about negative stuff ah


global warming lah yeah uh I think uh I mean, I am a smoker K and I do contribute to global warming but at the same time whatever you do needs to be [orh] the malay people say uh


#pada pada# what uh what's that in english ah moderation in moderation yes, so like, you know how these factories all over the world, yeah they try to save costs so


so like they mass produce stuff and then how the smoke and other stuff gets into the environment then there's a lot of unnecessary but wording and I think


even the people some of them don't uh like, they just don't believe in global warming ya global warming sorry, so like ya it's a bit, uh uh I want I want to say but like, K where it's a bit saddening ah uh then some of some other stuff would include


uh uh just general stigma to a certain groups, of people this is quite general lah but many different groups they get uh labelled as you know a certain way


then because of that they are not uh able to integrate completely with the community and stuff, feel sad ah cause like, in my religion uh it teaches us to be uh what's the word ah like


teaches us to be together against no but ya it's this idea lah like to be inclusive ya to be inclusive uh someone might be bad in your eyes however but then end of the day you're all human and even you yourself make mistakes so who are you to judge ah


yeah


yeah I think uh I think approach matters also, because for example you can, try to K I don't believe in changing people I believe in, uh sorry


ah no lah I mean that's still micromanaging ah like it's more of I don't believe in like K I'm here to help you change instead it's more of like, ah doesn't matter if you change or not but like you know change at your own pace but let's just you know try to be better ah like better is subjective too but at the same time you cannot force people lah right


K uh , uh, [orh], you cockroach mine will be heights but I love I love heights at the same time ah I love heights but I scared of heights


K uh yeah discuss


if you might as well blatant hypocrite leh


the thought of it is scary dying itself, ya because when it's your time then it's your time ah


[orh]


unreasonable


previously I was in another then I held a position inside it


I made it here from the time that was so it was their problem not mine and I just did whatever I was asked to but, whatever I gained uh there's I was just there but people you know didn't acknowledge [orh] cannot say but it was bad lah


yeah K next ah sacrifice ah


I okay basically it's something that you've done is a sacrifice but uh it's not really a sacrifice at the end of the day ah like ya you you gain something like like ex financial at the end


that worth ah, uh yeah, bro it's positive experience ah


K uh uh I mean I don't like to yes ya take note of whatever I whatever good I do for people, so but really if I were to recall, uh


ah K perfectly to ensure that one of like one of my friends gets home safely you know because like you know how in this uh current generation or era uh a lot of different traps ah everywhere


especially if you're a female the person so you know being there for someone and like them knowing that you are there for them physically or like even mentally or emotionally then it's it's worth it ah at the end of the day


uh right right right right right, K the next ah uh uh best movie ah best movie or TV show


right for me I think it'll be naruto yeah like like you know cause no really legit legit it's helped me through like some difficult times in life like you see all kinds of people or characters inside the show or anime


then like you can relate to real life because, they try their best to incorporate as many types of people in the you know anime and sometimes you can relate to the characters themselves like it doesn't necessarily have to be just one character but different characters at different points of time ah


and I guess other than the relatability, uh I think it's just the you know the ninja ninja stuff ya that's damn dope ah ya I wondered in the life


K next question ah what are three things you have in common with your best friend or partner, I mean I don't have best friend but I have a lot of close friends K maybe with Shaqir ah I think so I've to with you right


uh uh how we try to understand every perspective you know when uh a discussion or argument comes up, yeah I think that's why we have never actually argued ah yeah then uh uh ya we are always broke also


but then when we do have money we like to spend on you know at the people we love, yeah like no hesitation ah, K then last thing would be uh [orh] what uh what else ah


[orh] ya ya ya ya yeah even your clothes are my clothes, uh one place I love to visit ah definitely not cab ah uh one place I love to visit probably esplanade


ya cause I mean pre COVID ah it's it used to always have like you know free shows then even if there are art shows right you can just go there even on your own and look at the scenery like you know how fast the people is


then like it's nice architecture lah around uh like you can see MBS you can walk to MBS then I don't know I lah especially the rooftop at esplanade itself yeah, then what about you


K next next, K three things you are most grateful for in life uh it might sound cliche [orh] I actually K uh family friends so that's both of them are already you ah alright K


uh K the last one will be just life itself ah, cause you know it's an opportunity given to us to live life and I mean even if it's a bad day it's not a bad life you know as people say so yeah I'm grateful for those three things lah then what about you


three things you admire about your best friend or partner ah you want to take this one


[orh] [orh] K uh for me three things I admire about Shaqir ah, uh, he's always, willing to uh what's the word ah like ah K K K that's uh like a bonus lah K but he's always willing to


try his best to accommodate even if he doesn't like it, K uh and that's very admirable because some people just like [orh] I don't want I don't want ya like but shaqir will try to give his own opinions first then but at the same time he will just like take part right give his uh suggestion not just follow your


you know uh plan so that's very admirable lah like he knows when to call that easy go down K and then second thing is, he's a very good teacher ah even if he doesn't think so


yeah he might be younger than me but he's taught me a lot in life ah you know not just in skateboarding uh even like, how to talk to girls you know eh that one is very important to use yeah and sometimes without him realising


uh he teaches me how to be patient you know his humility also it is up there yeah and and what else think there's too many to list down lah K but maybe one more thing would be, uh K uh I like his sense of style


so like we have the same problem we always don't have money but he knows how to be stylish with whatever he has so that's you know is he's not only attractive internally but also externally


K for me probably just lying down watching youtube, or tiktok


or naruto okay lah anime lah anime anime ya basically just basically just spending time uh like, just lying down and uh what's the word ah not not or anything ah just like you know cause yeah life drains you ah


K describe a time when you laughed too hard, [orh] K when we went to watch hobbs and shaw


then when the mother said I'm going to give him a some more an ass beating, ya I mean remember if you watch ah


can ah I think when, when I graduated from poly K I'm I should I would name two ah when I graduated from polytechnic cause I doubted myself, uh uh wasn't nice but then I pulled through and yeah I expected myself to re module but I didn't and stuff yeah then the second one will be when I from my section commander course


uh and became a sergeant cause ya that's what my my dad wanted to see like ya it was his dream so I lived his dream K [orh]


ah same same as everything ah even you like to play music or whatever your mother force you you don't like it, so I always skip school teacher teachers give it to me uh so but in order to go to secondary four at that time we needed, uh to pass three subjects I only passed english my mother tongue only but I didn't uh retake because I think the teachers didn't to get rid of me as fast as possible ah


but uh after after a while uh, I just told myself and all ah uh ah so study study study study study at night never go school the next morning uh repeat repeat repeat repeat then uh from normal academic I got into poly through the poly foundation program yeah


okay and then


okay ah can give the two questions and answer it at a go ah so for the first question do I have a savings account I'm not sure whether this is a savings account I think it is I only have this one POSB


account it says POSB savings so I assume it's a savings account ah, uh but I don't necessarily use that money to save money, cause I'm bad at saving ya so I have one savings account K second question credit or debit card uh I do I do uh mastercard is credit card


ah I have both in one ah ya so ya so the one card which is a credit and a debit card ya I think that's that's right lah so third question uh do do I think couples should combine their finances


[orh] uh debit card is the one like you use right, nice uh push in the card then tap your key in your number uh actually I don't know the difference ah so with credit card you just tap credit card ah I don't know the difference ah actually


no no one in school also they don't teach us what is the difference between so in my experience, uh both the same ah just that credit card easier ah, your experience


ya ya I think I apply that one before ah, then on one of the credit card also you can use even when you have no money right you can pay later something like that ah yeah, so from today onwards I just debit debit debit debit ah all the way so third question want to go on to the third question


K couples about uh joint account and the finances I think yeah ya it's good to have a shared account I mean after all you all going to share everything in your life what so maybe have a joint account and have your own


separate account ah I'm I'm not really sure why why I say this but, I just think okay if someone is bad at saving then the other partner can


help using this account to uh spur that someone to save more then for the person ya the the K your turn


I know I I got my card at when I was fourteen ah at that time I until now I'm very bad at savings, so but it didn't have anything to do with having the card or not ah I think even if I don't have the card I will still have trouble saving money ya so I think card is the same thing as having a


physical piggy bank ya it's just that uh, you can take it out more easily you can spend more conveniently I guess but it doesn't to me it doesn't uh if you have problems with savings having a card


or if you don't have a card you will still having problem saving ah to me lah ya so but if I have a child I think I would give my children


I think seven also skip right


K if if they happen to split up or anything right when they have a they already have a joint account what should they do like split the money or how should they settle the issue


the more questions is it because, K for uh, how do I spend my money


during wait, K K hold on ah before that is in a post COVID world what changes are you making in terms of spendings changes I'm making, I definitely spend lesser I go out lesser hence I spend lesser and because I don't go out as often I don't eat out as often I don't have to purchase more clothes because I can


wear this this set of clothes for this group of friends, then the next day I go out with another group of friends I can wear the same kind of clothes they won't know, ya so I definitely spend lesser but spend on are instead of buying food out I spend my money on grocery shopping ah so it's


about half I save half the amount ah yeah then also uh for activities because , we can't really have more than I mean not we can't really we can't we cannot have more than five in a group right so most of the times uh I I don't engage in activities that


require a lot of people and a lot of money like bowling and stuff cause those kind of activities like more people will be more fun ya so I would normally just play badminton ah uh maximum four people also won't spend anything ah


yeah


since I've uh answered the question wrongly right I'd, I should uh correct myself ah post COVID world ah I'll probably be the same as, pre COVID world ah but now I know that uh life is very uncertain hence my spending I cannot be uncertain like life also I need


to plan plan ahead yeah so more working like uh less expensive activities yeah so that's about it ya I think, ah spend the same but work way more since post COVID probably got a lot of job opportunities uh resumption of


many super ah (oo) whatever ah ah ah so, post COVID work will be more spend about the same ya K next question


COVID ah K thanks


K I think what I'm going to say maybe answer all the question so uh how do I spend my money uh I think my cost of living is quite high


because I think many uh fit people now that I'm one of them if can relate cause gym then you need to prep your meals and stuff that is very expensive then sometimes when you are out


uh so when we get hungry it's not just about satisfying our appetite satisfying our hunger it's about uh maintaining your the physiological aspects of your body so maintaining


your muscle mass and extra lah all that okay so when sometimes when I don't plan my day uh effectively so like K I'm supposed to go home at this time but I'm not home so uh


I tell myself that I need to eat yeah so I'm very hungry and I need to eat so that uh my performance doesn't decrease so I spend, a lot on food ya when I'm out but when I'm home I save lah ya then but some days when I properly plan my day so I


I cook meals so that I go out I can eat food from home or I go to you know MRT stations got a lot of cheap shops chicken rice two dollars ya maybe I buy three of them six dollars can last for the whole day tomorrow also can


so I buy that then I spend more of my money because now that I'm I'm able to spend more I spend more on activities ah so uh movie or anything yeah then about savings I'm horrible at saving


ya so uh what I tell myself is that I need to ensure that I have a very very good job so that I don't need to stress on savings


that's just life ah , alright about saving goals ah I'd ya like you said lah right now maybe it's a bit like you ah in NS, I'm still uh pursuing my diploma so even with my intern money


five hundred dollars I can't really save cause like small amount give parents use for, daily daily expenses then ah there goes my money ah so probably can save up fifty dollar about that ah fifty dollar also like next day friend ask eh want to go out Alamak fifty dollar okay lah then gone already one month


usually people buy nike shoes then they resell like crazy man crazy price tags ah that's the common common way ah to earn extra earn extra ah ah OT ah OT


ah got times one point five more right eight dollar per hour you OT times one point five per hour ah, but I think K it's about that one is how others improve but how do you improve


or ya you improve your income level eh [orh]


ya that's true that's K


part three negative experience ya yesterday I see this question I already know uh is my not not biggest pet pet peeve but one of my many pet peeves is when


people go out of your room or anything but they never close back the door !wah! that one yeah very annoying lah


recall a scene from a movie that made you cry, ah the movie I can think of ah but I check ah K never mind, I I forgot the title of the movie I think before you ah


eh is it [orh] it's about the guy in the guy that, the guy is paralysed


all that they decide I think I, I have more on the older generation ah than the younger generation K so older generation uh they don't like to be wrong


so they think they are always right uh not all the time they are wrong, it's just that uh ya lah they they don't like to be wrong because they've they've experienced life like longer than us right so they think they know everything but times change uh ya as time change ah and like


uh okay for instance ah, one one major example is that K example last time studies say uh a is the correct answer but latest studies finds there is proof that B is the right answer but older generation cannot take it


they will still example last time people say smoking is good but now people say smoking is bad, ah then older generation say smoking is good I'm not saying now older generation smoking is good you know older older yeah it's just one of the many analogies ah then what I don't like about the younger generation


they are pampered ah I I was also kind of pampered ah but, ah probably not as pampered as, the generation not not not saying uh all the younger generation are like this but most ah most ah ya they are soft


uh I mean, being polite and all that is not soft it's just that, they ya they cannot stand hardships like us ah ah


but the good thing to that is that uh not we we don't have to be so harsh to people right now ah just because our older generation was harsh on us doesn't mean we need to be harsh on them so I think that is actually a good thing ah uh like uh a clear objective is quite stupid ah so but


it's good that we can uh, give them a little bit of hardship so that they get stronger but that doesn't mean they need to be harsh on leaders also just be harsh on them so that they are stronger like they should still be soft to others yeah then next one


uh I have a problem with my tempo keeping constant tempo yeah so uh no no no not many people have that issue, so when they give advices like people who have solid tempo but when they give advices they didn't go through what I went through they most of them are like naturally


they naturally know how to keep a stable uh tempo so they don't really have the answer or of exercises to do to improve their tempo so at that time uh, ah I I put in some things that people ask me to do but as I practice and practice and practice it didn't get better so I felt that whatever I did was nah not good enough yeah


what the difference ah the small positive and uh negative [orh]


(oo) the embarrassing moments that make you cringe ah, but I scared later we we laugh laugh then like humour, ya usually embarrassing moments not funny ah when I think of ah


K traumatic incident, I I don't I can't at I mean now I cannot recall anything traumatic enough for me to


uh uh yeah


injustices ah ya the racism and things like that lah pisses me off also lah but uh at the same time you know like sometimes when cases like this happen when the world goes angry right


everyone show like their anger because like everyone is just, the thing about uh whatever negative things they have in mind to make the opposition or to like angry but then like


negative things ah like you want positive things instead of negative things right like I get that we need to change things and like that but, uh just sometimes the negativity it's overrun the problem yeah right


although it makes me angry but in a way some people are trying to be great or try to make the world a better place is I think uh maybe not uh the best thing ah


redirecting


yeah, this is the next question ah uh, what disgusts you what is your greatest fear okay


I want to say that also but actually I'm scared like we human right when we say this confirm at one point we are also hypocrites also


uh reoccurring hypocrites ah you say greatest fear ah uh this one, ah maybe dying as a unbeliever ah scary, I need to be religious ah then just scary ah


ah , share about the time when you felt trapped or helpless eh just now I check I got see one question that


I think it's we can talk about ah what is the most have you experienced loss in your life have you been recall wait, it was something like the world against you where where was it [orh] describe the moment when you feel like the world is against you


this one uh okay last time uh, in my CCA uh I I had a position ah so this position like a leadership position so you have to uh calls the previous leaders they were very harsh


uh I mean this is really harsh but they were very uh, maybe or very very decisive like uh, they they see the world as one like either you in or you out you're right ah they don't see it as grey and


but but none of them are actually are are racist uh, I I don't I don't want to say this ah K never mind scrap that K so uh at that time uh as as a leader I try to of course every leaders want to make things better for their people ya but uh I tried to change some ways of the previous leaders but


ya what what matters most in life right to most people ah is the end result not the journey ah so when I wasn't giving results ah ya everyone was I felt everyone was uh against me ah and they didn't agree to my uh ways and all that


usually small small things ah uh K ah a lot of things but the K like you said uh when people remember you, imagine if your enemy remembers you doesn't really make you smile you just like [orh] but when someone you like or close to or what like remembers you then you feel very happy or like imagine your siblings buy for you chocolate


versus your crush or your partner buy for you chocolate like that feeling is different you know like it's the same small thing but it's from a different someone


you've made that worth everything maybe rewarding


[orh] that worth ah is that is that it is that what you mean, [orh] I I thought like sacrifice but the sacrifice like like worth everything no ah


sacrifice ah I I don't know ah I I also don't, I don't really make sacrifice then I write down or something no ah, I I I don't I don't remember ah ah, but sometimes I ah okay because I don't have a lot of money right


so when I do have money, uh on my good days I've extra money I like to you know go to interchange then, I purchase ah so pay for the but I only pay one something like that ah


best movie fast and furious fast and furious, they got like everything ah so K I I love action movies


ah then uh there's this uh character that me and my brother really like ah last time uh who's that actor wait wait how can I forget, it's paul walker yeah so ya that's one of the best movie ah


TV show I think money heist money heist the best show ah because they is damn smart ah K I like action then last time when I was a kid I wanted to be detective so usually in movies or TV shows right I like to


uh predict how is it going to end I like to predict the plot twist and stuff but in money heist, it's hard to predict ah like I this right so, the most interesting thing right that the show is money heist it's about robbing banks but then in the second part


uh someone uh got caught then they will try to free that person but the title is money heist so how they free that person is by robbing a bank so like the director ah, he like he really stick to the direction of the movie ah about robbing banks but got this problem so he settle with romance so he stay with money heist yeah then I think uh it it ignite director things ah


okay what is one place you love to visit and why arumi


uh I like beach so in singapore the best beach Sentosa, why because


I like tricking if you don't know what tricking is it's the parkour without obstacles so all the taekwando kicks the flips that is tricking so, my uh when I did my first backflip it was at a beach


yeah and, ya because it's a place that I can ah do tricking for free then also got a lot of attractive people


this question a bit a bit hard ah cause you have so many things right to be grateful and if you have to choose three a bit hard ah need some time to think ah probably like what you say ah family and all okay but if not family just


other things ah not not connections with people ah uh yeah , three things uh, I want to say the ability to do things but like, nah lame lame


uh I don't know ah special ah, wait what three things you admire about your best friend or partner K eh partner


answer three things for partner answer three things for best friend ah K K K so for best friend uh, always always willing to do more


ya always willing to do more this is so like uh example uh this is the , just the one of the many many examples K like you are not needed to be there but you still come so you do more than what is needed for friendship ya that's one uh secondly very very generous and thoughtful so


ya just ya even I have money no money also you uh you what , what's the question sorry sorry , school holiday brain also holiday K yeah


very very generous money no money you treat me also yeah yeah then third thing, K yeah two things [orh] admire why always read wrong thing ah okay arumi can sing very well ah that's something I will never be able to do ah


he I I don't know who would want to pick a fight with him


because he's very positive and a very uh usually the go to person ah so people rarely comes to him and have uh negative things to say to him yeah


[orh] it it actually I just anyhow but I act confident only, describe your favourite activity to unwind and relax, uh like what ah favourite activity ah beach go to the beach that's one thing eh wait ah ya that's my favourite activity ah actually to unwind and relax beach you can go with your friend your family ah


eh actually uh weird to say ah but praying is actually very relaxing ah when like all these thing ah so this what do you love most about yourself K you go first


(hmm) [orh] what do I love most about myself uh my hair ah side uh , I think , what do I love about myself [orh] this this question shouldn't be shouldn't be difficult also


, I think just my general attitude to in like like uh eh general yeah, most of the time I'm very chill so I guess it helps to uh in terms of like uh people being comfortable around me and I try no I don't actually try ah but I I realised also


don't come across as a try hard yeah, like K I like to try hard but I'm not a try hard guy yeah does that make sense yeah K ah K what about you what about you


uh I, I like to learn actually so that's a good thing because uh, I don't skip school then uh I just love like uh learning new things


uh I, but that's also one thing I hate about myself lah because when like okay I like to learn right


okay ya I like learning new things lah, ha


K describe a time when you laughed too hard laughed too hard, [orh] yes I laugh so loud ah so I don't want ah K never mind ya what was the best meal you've ever had, proudest moment ah [orh] K want to go first


I think when


I think if I were to look and to buy an insurance policy first thing first ya I will look for a name the brand and also uh, a company that is already established, eh what happen wait ah ya


so ya I will be looking for something that is more established


I see I see so uh maybe what what so other than that you think uh maybe somewhat, this kind of uh companies do they must be from singapore, or you are we're welcome to international brands


I feel , essence I mean it's actually essential lah for me it's very important because you know we live, in a country whereby that, uh you know anything everything is possible uh you know to get our hands on uh like


I I mean I would say it's more of a need lah so if you actually uh you know if you get yourself old and old you know sometimes you go through some history, you know you get yourself sick at least there are some things that actually back you up rather than


so shall shall we move on to the uh the the next one since, uh what kind of like insurance are essential for people, of uh maybe your age, since we are both parents so what do you suggest


yes because I believe uh you know uh in our age, most of us are, very we we we we prefer to have things that are really autopilot, rather than we have to like think oh we have to, to uh we some some people they they prefer to


you know do the old-school way we put money aside but some of them actually they want to invest in something but they do not they do not know, , so uh like for you uh do you do you believe, that uh this kind of uh essential plans


uh do they have like like you know like a family plan family package, or you have like those for those singles, I I do you know how it works


okay for me, alright so for me uh you know insurance agent when we talked about insurance agent ah when we as long as the word agent I believe it's called service, so uh for


me no matter how good the policy is no matter how good the company can offer you, but if you do not have an agent that is always willing to give you, service you know I, believe , I will end up changing to another company


you get what I mean because uh you I used to be with a company A but I change to company B because of the agent is, uh not willing to help me to assist me when there are questions that I need to ask, when I when I find it that I want to know, is yes, so uh that's for me what about you


I totally agree with uh what you said I believe that, proactive uh it comes when you know they they should you mean the I I believe that the insurance agent should be very engaging, you know if the person is like really willing to, the best I think the person can can do lah you know as an agent I think maybe


upsell you know, service is all always about selling is about how you treat your customers right so at least that people will give you, ah people will always like uh you know feel rewarded like you, you know you give them a good service they will they will always think about it and definitely they will also uh recommend you to their friends to their family members


I agree with you but , what do you don't you think so, there are you know there are I means the to be sometimes like people actually buy an insurance but then at the end of the day they still have to, somehow uh you know like uh


they have to still have to, because a lot of people I believe that they actually mix you know insurance, and also they also mix it with investment, so what do you uh have to say for this to because I even


I went through uh there's a bank that actually uh, uh protected me they will insure they were actually issuing me uh so called a savings plan at the same time it also can cover your insurance, but it's really there there are a lot of plans nowadays because I think banks also want to make uh a bit


what what do you think have you been approached before Wing


I believe in that also lah, you know back then, you I was very skeptical like you, I never thought that insurance, uh we talk about insurance we talk about finance, uh we talk about investments we didn't I mean I didn't know that uh you know this kind of stuff is really gonna affect us especially


uh you know uh when this kind of uh when the recession comes in, so when the recession comes in you know people start, people start to get out of jobs and then you start to see that everything is slowing, down even you see those big firms big companies, uh people who used to have a high position they they they lose everything


is because of, uh failure to uh understand to manage wealth properly, so I believe that this kind of uh policy will actually help us in the future lah maybe not now we can never see you know there are a lot of things that we need to learn but I believe


this is always there's always good to have a backup plan


alright so so what what how how do you differentiate it, okay (uh huh) correct so your mind is like


when you are going to go for that goal you are going to go for that goal and, get until you get it ah, I I like I like your attitude is is very , uh is a is a is a very positive think


so let's say okay since we talk about the plans okay we talk about the insurance


why not we talk about the buy term and invest the rest so let's say lah like if you were to be with a company a, so are you going to like insurance and you going to buy insurance you going to buy a uh invest are you going to invest in the same company or are you going to look for other alternatives


I will totally agree with you, uh I will totally agree with you because I for me it's better for us not to mix lah, if you were to ask me if uh insurance company I will definitely just put my insurance there, but I will never mix with something that I believe that I can invest I will definitely go and look for other alternatives which which definitely will give me a good rate good returns for investment


, and then after that why for me I wouldn't want to mix, because I believe that I think, sometimes, the contract if let's say you didn't go through properly and then you accidentally breach it, and then at the end of the day you don't get to, get the full amount of uh policy that was insured


cause it ever happen to a friend so , I can't name the company so , I it it it kind of like made me realise that ya, you should never uh mix your insurance


to be honest I preferred term life, because policies keep changing, and uh whole life uh it depends, whole life it really depends because we don't know when we're gonna to go so uh term life I think


it's more err you can control lah, because for life insurance, whole life we can't really control it lah that much so what about you get uh back to you uh what what do you think bro


you prefer the short short time spend ah


this is uh quite a recent one for me, err, can can can I say something that is personal


there was a time that I felt trapped, uh helpless, when I actually, had a, when I had a you know a dispute lah with my, ex-wife so, back then we were still married


so ya, that feeling when you only had, twenty dollars in your pocket, ya lah because that was like the #hari raya# season so we made when I I I finished most of my money to for the #hari raya# and all that lah


so and then after that we had a dispute, and then I was thrown out of the house, so I think at that moment, I was really really helpless and lost, because you don't know what to do and you don't know where to go


ya it was it happened in two thousand and, fifteen, clear still clear in my mind


everytime when I think for my daughter, to be honest lah you know, at this present point of time, you know I, I'm still fighting lah you know I'm still fighting hard, to to, to give myself strength that eh I you know you still have to go to work


you know life have still have to go on, but you know the the the feeling of, to be part from your daughter, it's it's it's pretty hard, I must said you know , the the the the the the the feeling that always bring me to tears is because


especially in my prayers ah because that is when, I, I will actually, bring out my my my feelings in my heart, I I would say what what uh you know the thing that I have been


that is been inside me you know the negativity around me the daily things that have been going through around me, and then after that that is like the always the only moment of time that I get to say uh, oh god why is this all happening to me, why why why why you know


and I always asking him for, answers, you know in my pray and all that, but, ya that that that that is like really the time that, I would really put my head down and I really really cry


ya you you always have my back you always have my back okay, you will you will I know you can uh so, is there ever one thing, that you wish you could change but will never be able to


honestly right ya


you you will it actually shapes you to be a better person right to be to be to to to if you actually think positive lah


the only thing that I wish, ya, if we can if there's such a thing called a time uh uh times what you call that , we can reverse time time machine ah, I I I would really love to change lots of thing man maybe my life will be different but at the same time I'm still grateful I'm still thankful lah


you know ya there there are a lot of things that I want to change lah, ah and also, I wish I could have spent more time, with my grandparent ah because I really miss them a lot, because back then when I was young I always like ah


think of enjoy you know, think of err, but when they appear cause they are gone, nothing ever to get them back ah nothing to


rather than I just you know think about worthy stuffs everyday twenty four seven thinking about work ya I shouldn't do that lah I shouldn't, I should have spent more time for them, ya so uh


out of all these negativities lah have you, been looked down upon by people in your life other than, I I think I know a bit lah so, why, you you you feel that or is that the feeling that you get


it comes from my own, I mean same for you lah, it comes from the people who are close who are who are close to you by blood, sadly lah you know but I, I, used to


feel angry I used to take it negatively, and then I, turn out to be to be to be more wild to be more rebel, but I, you know after time you know as aged, you aged more and then you get wiser then you start to realise


you should just stop thinking about those people who talked about you, you should actually think about the positive side that, you want to change you know the word the word change is big, you know I believe that for things to change you have to make a move


you can't expect for people to push you, you know, is but of course in terms of time you will realise


you know ah the word change, it requires courage it requires strength, it requires uh lots of uh motivation, to move if you, can't put all these thing together ah sometimes people move and then they fall


and and it's and then at times ah when you know, people just give up halfway because, why the motivation for them to keep on going to change ah, the support you know especially when we talk about the people around us our circle especially


but if you know err, you have to have that right mindset, if that right mindset will actually lead you, to be a better person to change you know right so


let's see what do we have uh, can we like skip uh, so what sacrifice had what


my most first thing that I always worried, money ah, that's the first thing on my mind , to be honest because uh you know that there is a point of time, I only had two dollars in my pocket


you know there are times that I have lots of things to be there are some, times that, I land myself in a very big debt you know and I, ya money is always an issue lah to be honest, be it when I was single with family when I was married before


no is never it man seriously, so


I think I know who lah okay


to end the relationship, ya lah , this one is a bit personal lah but never mind lah, ya so ya ended, I ended my my marriage


so, I back to single life again, so that's it lah uh, so have you ever wanted to, you know like Macam get revenge blah blah blah to and what if


never mind later we talk


okay , what were some memorable okay so what were some memorable moments from your younger days


alright so I believe uh my memorable moments back then lah I believe, when I was younger, you know the those carefree days when you were still back then when you still in school, you didn't know what worst life, so


the few memorable moments that I had yes I actually, I miss the carefree life lah you know there are a few things that I thought that I, I shouldn't have done you know so , a few memorable moments that I can think of is


going for holiday lah actually, I I I miss great holidays, so, ya you know the weekends with my family


ya you go shopping everything all you know, you ask your mama I want this mama I want, that , ya is yup right you just want to swap


ya you just have to like, you just have to pass your exam and then you get rewarded I think you've been through like that also right bro


actually I I believe that uh do you know, you know when we were young you know when we go to places sometime, to be honest we can't really recalled lah, but we can actually think or what or these are the things that we actually did the small little little things like for example


you know going to Kampung house when we talk about this thing, you see ah it kind of like made me remember like ya you know when I went back for #hari raya# for, to meet my relatives ah during chinese new year, uh meet my relatives in KL in malaysia in


Johor ya now now it like it it starts to flow back ah, so we talk about that let's move on uh okay what are the fond memories of a pet that you have or once had


so what about I mean like back then when we were younger you know uh back then in primary school you never like had a small fish, a small turtle, you know you you ever had a like that kind of pet before


do you get yourself in the trouble for that bro


you know when we were young what what were you thinking you know you just want to like ah I know I can do it is fun I just do it you know you never think of the, consequences you gonna go through, the trouble that you gonna cause, right, ya for me I had a I had a few pets I had a cat


I had fishes ah fish more of a fish lah uh more of fish and a cat person, err ya the last fish I had was arowana so, I think uh ya so in fact it died already lah, so, ya so it's a little bit sad for


me but it's okay uh maybe I will get one more soon , err, ya I I I I like I like lah you know I prefer to have something at home lah rather than I live you see, ya


okay we can move on, okay to be honest, if you were to ask me


since we are both parents right, I want in future my, I want my future generations to like look up to me and say !hey!, that is my grandfather that is my that is my dad you know


I want to make a name for myself to, to be you know, so that I want I want I want to be I want to be a good father, I want to be a a good family man lah so, I think that's like the only goal that I had for now, other than you know giving my family a good life


how I have my ways lah but that one is more of personal lah but, err, I think you understand right so


so actually to achieve it I believe that , I always try you know I I always try and do my best to, give my loved ones my


my mum happy lah especially, of course you know, I I I believe that life is short lah, so the only goal that I have is always anything and everything for my family


ya but the numbers keep rising


life taught me to keep loving, and always be grateful with what I have, you know there will be there there are times that we are, on top there are times that, we really really fall


but, do you know on the positive side I always believe that, it's a journey lah you know life is a journey, so everytime, err I see myself, it's a journey to I think you know you know me you know me better so I believe that uh you know life is always


ya okay that that is that is to you lah


so like that if let's say if I want to if I if let's say lah we talk about life okay, let's say if you if you do let's say if you like someone, if you do like someone then how are you going to tackle that problem man, you know you are are you gonna like go for her all the way you know


so it's like a wall lah, half of a battle is half of the battle is it is won when you actually go for it lah ah


okay since we talked about since then, you really like the life, so maybe you can describe an experience, when you're afraid in mankind, feeling this is more on a !wow!, this is like very strong ah so maybe you can share what what what are your point


for me I got nothing much for this lah , because I believe when, experience of a faith of mental is renew is, it comes from, it comes from deep within ah it's more of uh


it's more of emotional because, it's not easy to move someone, it it, you know like like you said lah you you you inspire people, by helping out, uh and revive ASG, you know you you you want to you want to put something out


I want to put a message to people out bad that, err you know, actually there are more positive thing, that's about to care, this is about life which people are always, uh do you know not not not not feeling grateful about, they are always complaining you know about you know problems


after another you know, this is life but they they just have to take it positively it's not about taking is always about, giving if they actually understand


ya you is actually you will feel contented lah actually if you do understand, or the the the meaning of giving


to be honest I'm thankful that, you know, past twenty-nine years of my life, I I I had you know I had my ups and downs but, I still have the strength to move on, because err


you know to to to go through this life you, you you faced many challenges, you faced, you know lots of negative people who are not happy with you, you know we we live in the society whereby everybody is always thinking negative about


others but, but you know , sadly lah you know there are there are people in the society, that always looks down on you is normal I always take that positively lah you know you you once you get the


you get the hang of it to, you learn to be stronger your, as day goes by you know and most importantly is good to have a family and a loved one that is always by your side, to give you you know motivation


to keep you going everytime day by day, and that is the most thankful, thing I always pray, each time you know uh to thankful lah mostly to


uh almighty god, thank you for everything really , the word is family lah what about you


ya lah and you know our beautiful kids we we should always be thankful that we have them, you know they are our, they are our source of of of power


and I'm thankful for having a friend like you too bro , ,


uh part one finances


okay uh what do you look out for when buying insurance policies ah, do you need, do you see insurance as an essential expenditure, uh Shaffiq what do you think


but what are you looking for in the policies, for me I think like uh, the brand is not really, uh that important because sometimes there are new company that provide better policies you know


and then you may not heard of the company before, so for me I think like the policies that are, I'm looking for is something that have a balance in, uh, returns and uh coverage lah


ah I mean ah like I said I don't mind the brand I don't, particularly have uh, uh a preference when it comes to brand, you know but it as long as the policies give give me a balance of coverage and uh and returns like for example there are some policies that have


savings, savings plan cum coverage you know, and then like if you don't I don't need to pay, like like, premium amount but then it's still give me premium coverage and returns in the savings maybe I will consider that


you know, but uh so with that being said do you do you see insurance as an uh essential expenditure


I I get I get like for me I like to see it as a I I like to give this analogy lah it's like a, a umbrella in a, uh in a sunny day you know you'll never know although it the forecast said is sunny, what if it rains you know at least you have an umbrella when it rains you know


so ya and it's is like expend soon especially in singapore right like the weather so unpredictable, all a sudden it can rain one ya, uh so ya lah, so I think ah !wah!


I think you you bring bring back to the first point on what I'm looking for lah, like the one that give me the balance of ah, you know uh savings and returns, so if if, it like uh if I open a savings plan and it gave me insurance as well so like there's like killing two birds in one stone


you know but also I think I I, I think there are also uh, things like investment plan and things like that since we have children right, it's good to have investment plan so that you you know you you you save up for for the future, you know for their education or something like that


so I think that that is also something that I'm looking for


correct correct correct


I'm not that sure you know but I have someone that is you know uh that are doing that so unfortunate enough that you know I have someone that's gonna plan it for me, and ya but I'm looking forward to it lah so


so I think ya an essential plan for people like my age should be investment plan and, uh like uh insurance that give, give uh saving and coverage so I think that will be it lah, so uh what do you look out for when it comes to an insurance agent


like what question would you ask your insurance agent when getting an insurance policy everything


like dodgy a dodgy character ah, ya for me I think someone would someone with initiatives will will be good, like, like she ya like they will ask you like things like how many family members do


you have uh what job you are at and then after that they'll they'll craft out a a a a, policies that or they'll they'll show you policies that is suitable for you you know that will uh, consider your your budget and then your expenditure and stuff like that and make sure that


the policy is not , something that will be a burden to you financially you know, so like honest lah like an honest agent lah and then after that they will, uh like, once in a while will check back you like !hey! uh you know this is your policy that you are having right now like


uh we might have a better new policy that, is more suitable for you would you want to take a look at it or stuff like that like proactive when it comes to like, you know, what what if you you have change job and you have better pay you know and you can could have a better investment plan you know may I


she could have a eh you know what this this might be a better plan for you so some an agent that is very proactive you know, like is is someone that I'm looking for lah, and then like if I I have uh uh, like


an insurance agent I will constantly ask like !hey! uh like for example if I have a increment in pay I will also like, ask them questions lah, like !hey! is there any better plan for me, because like I think is also a two way thing


you can't be just, relying on the insurance agent to do everything for you, you have to be proactive in asking as well like hey I have this, uh uh, for example I have a a bonus that I don't know what to, do with I don't want to just spent it on holiday or gift maybe is that something that I can invest in and also you ask your insurance agent this type of question


like if she can, come up with uh something uh that is suitable for your financial need why not


ya correct correct correct ya like that I think that's a good uh segue to our next question also like if you are an insurance agent like what question, would you ask your client, you know when planning their insurance coverage like if I'm an insurance agent I'll actually take in consideration on what


what, uh what type of client I'm facing with like because every people I I mean every person have different challenges and different uh need, so, you know we we we should like customize uh


a plan that is suitable for them lah, I mean there are plenty of, uh like, plans out there you know I'm I'm sure there is, ah a plan for everyone that is you need, like some people who might have


uh pre-existing uh medical conditions so, they already have an expenditure that is burdening them so if, know they could have an uh, uh, an insurance agent that you know give them the service at !hey! if you sign up with our insurance maybe you know we we are able to you know cut some costs


so like things like that might be, you know something that I would uh, tell my customer lah, you know because at the end of the day insurance there to help you save, save your life save your money save everything


ya I've been approached by about a ton of people I usually said like !hey!, if god want me to die I it's time for me to die so what I don't care about insurance that was my my first approach when it comes to insurance but as time goes by as uh, you know as as uh I mature I start to realise that eh actually insurance is something that you


you really need lah and also like, uh, uh after reading books from uh successful people, they do say like you know, uh investment is something to grow your wealth on you know


uh because at the end of the day we're like like if you have financial, planning are on on growing our our wealth chances uh uh, the quality of life, that our future generation will have is better because like we are showing them like you know uh they are we should plan ahead and and


and you know be a positive influence lah because when when when it comes to, to, the cycle of of uh life you should see your previous generation have they plan properly you know, and then if not how can we


as a current generation plan better so that the next generation wouldn't live the life that we we live lah because like if we continue to do what they are doing not not plan properly just live sail through life, you know without even thinking about what's the next generation will agree


chances are the the cycle will continue lah the your next generation also will sail through life and then, they would not be like, care about financial planning and stuff, so once uh when when you know, as time goes by and you get become more mature you start to realize that !hey! actually financial planning is very very important


ah yes yes yes yes


is not is not just a backup plan lah I think is also uh something, like, that uh you know, uh safety net safety net you know, because safety net and backup plan is two different things bro, you get what I mean


okay for example like safe safety net is some, thing that is there to help you, uh like doing and and uh uh unexpected, increase of expenses meaning you already saved aside, something to to counter that


but backup plan means like you know you are expecting uh plan A to fail that's why you are prepare plan B to to, counter your failure, but for me I think safety net safety net is more important than a backup plan because backup plan like


uh you are planning to fail lah ah that is my personal view lah like if you have plan B meanings you are expecting plan A to fail, for me is uh, if you are just have a plan that is uh solid whatever things that that fail just fine tune from there


it it should be plan A all the way you know, the fine tune and adjust to make sure that your plan A will succeed eventually


correct, you know it's not just positive I think is very logical lah


because if you have plan B then you do plan A for what meaning you expecting plan A to fail already


uh I think I think I think it, I think it depends bro because like I I don't mind to have different like uh investment plan, no but when it comes to insurance, I will just have one insurance that cover


a lot of thing, or maybe cover everything and invest in different different uh company that will give me a higher returns rate you know, so like yes I'll I'll buy one insurance I will not mix it mix ah


uh everything in the same company I will try not to unless that company is super solid, you know that company gave me a a good uh balance of insurance and investment then yes I will go with one company but if that company only gave me like


a solid insurance but their investment plan is like !heh!, you get I mean, then I will like uh just, go for their insurance lah and just invest in it with other company that give me better uh uh returns


so how about you bro


ya


correct correct correct so ya uh term life insurance or whole life insurance for you which do you think is better for you


ya I think term life lah I agree with you bro term life because is more I think is more manageable is more manageable because uh ya lah


part three negative experience


describe the time with you felt trapped and helpless


for me the time I felt trapped and helpless is, the actually the first month I're stopped down lah, that was very very dark, like I really don't know what to do all you have is the four walls you know


and uh, you you can't like still in denial about uh what had happened you still blame other like I still blame other people, because of the mistake that I've made you know I still didn't accept that I've made a a big mistake


you know just being the like play the victim card lah, you know, so so that was very very sad lah, you know but, I did find a way to, to the, crawled out of that that that


pit of darkness, you know due to and give me a strength to be a better person, so that is actually, for me I think that is, the the my rock bottom yet, the the time that that


uh made me a better person, like gave me that realization that eh there's more to life than just being depressed and stuff like that lah, so what are, next one what always brings tears of sorrow to your


is the fact that uh, despite how much I, prove to my family that I'm, going towards a better and positive, !huh!, my familie's still, uh especially my siblings you know and my stepfather


and my mother they still don't believe in you know in me lah they still think that uh, you know uh they still judged me based on my past they still, you know judge me because of uh, of the mistakes that I've made in the past


uh, for for me like I've proved to them time, time again that I'm heading to the right path yet, you know, I I I did not feel any, love and appreciation from them or even an acknowledgment you know sometimes I just uh come into the house


then uh, uh they they just didn't acknowledge my presence, which very painful lah, so that's the reason like there's one of the reason why I decided to move out or, or you know because, I feel like there is a very toxic environment


, a lot of a lot of the things I did with the past I wish I can change but I don't think that can be done lah, it will never be but but at the same time like, a a a part of me is thankful that that it happened


you know like if it wasn't for those mistake I would have not grown to be a better person , our biggest but but, but Shaffiq actually like most of the time right is is


is your uh personal choice you know if you use those experience to, to to , to be a validation for yourself to be sad angry and mad, then chances are you will forever be a sad angry and mad person


and use your past as a weapon to justify, your your emotion but the people that realized that you know those things can actually shape you and make you stronger are those people that decided to use the past as a lesson and


and you know and I experienced that grow and mold you to be a better person


time machine ah


those are those are the things that I also wish ah, like you you wish you have spend enough time with them you wish that you have you know


actually you've spent more time with them


bro I'm I'm I'm I'm still being look down right now bro, , like like no because they they they, actually that that's the feeling that I get, you know uh they still think that you know I'm I'm heading down the wrong path


especially my my family members they think that I do not have a stable job does, you know I will fail I'm destined to fail and the fact that I'm progress each and every day to show them that I've not failed they still hold on to that that that believe that one day


I'll I'll hold on to the fact one day he will fail and I would laugh at his face, ya, so and then the the the more I progressed the more angry they become and the more cold shoulder I receive but at the end of the day I realise that you know is is not on me is on


them you know, it's okay they they look down on me the the the fact that I I I would never put myself, in that position to look down like people because, that is not what we supposed to do as a human you know we're not supposed to judge and look down on people because chances are you will not grow if you have that mentality


you know like like, you can you always, you should always approach a person, as if that person know something that you don't, that way you are able to grow that way you are able to have a conversation that actually that is meaningful that way you can actually learn something new because you are not supposed to walk around egoistic thinking that


you have know everything and and use that as a tart to judge people and think that you are better or smarter than them, you know, that's when you become someone who will have a uh ego that look down on people and think that you are better than that person a lot of people are like that or the fact that they have never done any mistake


and then he was like oh because you've been to jail and I haven't that means I'm better than you, you know so like like for me like people that are like that they are toxic to be around with, but at the same time you're not supposed to, give them the treatment that they give you supposed to show them compassion and understanding and show that !hey! come on


like, err I've learned my mistake, you know, I've accepted it I hope you do too you know, and uh whatever it is I still love you, I still care for you you know, how about you bro


have you been looked down upon and uh


I I like this quote bro if you change nothing nothing will change so it is up to you to change something, you get I mean like you have to change for things to change if you have the same mentality if you have the same attitude if you have the same anything things to be the same


the outcome of everything will still be the same regardless of the like the circumstances that is thrown to you because you like, you are not changing you are the same person, so change is very very important like always stuck you


correct, how how about uh what do you often worry about


what do you often worry about


is never an issue bro, bro , no no for for me money is money is never an issue because money I can always earn, you can always earn money bro, there's millions and millions of way for you to earn money so whether you want to do it or not that's the only thing for me lah for me


that's why like I never worry about money, because I know that I can, you know is within my control, what I worry, often about is the well-being of my children, that is not within my control because like my children is with my ex-wife


and understanding the situation that I see is facing right now I'm very worried about the wellbeing of my children, because like this is not, trying to bad mouth about her lah because I know that she's emotionally unstable


I know she's with someone that is you know uh that's also emotionally unstable two emotionally unstable person, is in charge of my kids right now so like that is something that I'm always worried about, what I can do is time and time again check on my children


check whether they're fine and once in a while go out with them bring them out, you know, bond bond with I've like have bonding time with them ensure that they are, they are okay, but at the same time like, when they are not with me that is something that I would always be concerned about lah


so how about you uh let's let's uh go to this uh describe a time when your, you ended a friendship or relationship with someone else and why


let okay let me start this one lah, okay you you think first this one very recent to me I've, a very very good friend, okay we pray together, you know we always advise each other


and you know, time and time again I didn't realise that he didn't, he cannot take advice from other people but he only want to give people advice, that I didn't know


so one time we have a disagreement creatively, in a business, in terms of work yes and then, he forgot that he is just an, actor


he's coming into a music industry, trying to make a name for, himself in music so, I'm showing him the lesson that I've learnt in the industry that I've been in for awhile and I gave him multiple


evidence and and, uh support showing that his approach was wrong, you know he should come in this thing, that's why I said like you shouldn't act as if you know everything


that way you will never learn, so I gave him like every question that you throw me that he thought that he is right I gave him a counter argument with facts showing that what you have research is wrong, that are other studies that shows


an alternative view, and he couldn't take it, he just ended the whole relationship he just ended the whole friendship, so I'm like ya I'm I'm very disappointed in that you know, uh so I'm I'm I'm like


like I thought you are you know, thought you are someone that I can trust and depend on but apparently you are someone that, only want people to trust you but you don't want to trust people, you get what I mean, so like there is something that is quite disappointing is very hurtful lah


I also think I know who you are going to talk about


where I I thought you just got married, oh okay okay okay, , okay can okay can later we talk


, so that's about it lah I guess


part two positive experience


!wow! uh why not you start first bro for my my younger days is


very very very very very dark, , most of the time I just tried to suppress it let me try to find a memorable moment while you tell me


uh I I get I get what you mean like when you are young you go holiday no need no need to think about money everyone pay for you , , ya ya ya ya


that ya that that that is a very carefree moment yes, that's a good time when when you are young, go holiday,


, yes yes I I remember actually like once you say that right I remember the first time I come to singapore, like the experience, uh I think the first time I actually come here was when I was ten


for a a two weeks holiday, you know a a little backstory story my mom and my dad was actually divorce so my mum came to singapore, and then like met a new guy and then you know, uh once the first holiday uh that my mom decided to to let me come here experiences the singaporean life was when I was ten I think come here for two weeks holiday I was so surprised that you know the


the lifestyle and uh the environment was, so different from indonesia indonesia you'll have to be very very aware in every street that you go you know you might get robbed you might stab you might get kidnapped any moment, in singapore you don't have to care about that


you know , I come here was like !wow! so safe no crime so clean , so ya that was one of the most memorable moment


okay okay


ya I mean I I'm not a fond, err, like I'm not a pet person lah but I think I remember I remember having cat once, I hate cats, but uh eventually like I I I grow to


I I grow to, you know accept that like that, that cat would be you know, are part of my life but


nope I'm not the type that that you know that have, okay maybe I do when I was super super young, my dad used to have an aquarium of fishes, ya, and err I think


I I like like the aquarium is quite big bro, you know one day I actually ah, go inside and swim with the fishes literally, ya ya literally my my


my I think I was very young I was like at least three I think three or four, my, yes yes yes my my dad came back and came, the the, you know, the living hell out of me like


why do you do that why, so ya lah ,


okay I wish you luck bro I wish you luck, uh next one ya


what are the dreams and goals that you wish to achieve before you die


ya how, how that's the question how, okay I I get what you mean uh I get what you mean


ya understand but I I I I I know like I, to achieve ya continue


for me uh okay my my dreams and my goals, are are more or less, to give the best, uh to my family and my loved one, but before I can give them the best I have to be the best


so my focus is always actually be better than who I am yesterday, you know, keep improving keep getting better so that you know uh, because I'm I I firmly believe like life get better as you get better


you know life stay the same if you are the same you know like so, just uh you know focus on on, doing your best in everything that you do, and uh


chances are you will achieve what you want to achieve you know, because once you set the goal you know the it's a matter of , uh reaching that goal lah, you know my my, current


err like near, like, my current goal like the short term goal is uh to ensure that you know , I'm able to, inspire people


to just pursue their dream and and just, do what they love to do because eventually if you invest enough time in it chances are uh the return in investment will be there will will be visible lah, you know


so uh as you know I work hand-in-hand with revive SG where we you know give , give education regarding uh anti-gang and anti-drug to to the youth lah, so that is one thing that are you know I want I want to


work on wholeheartedly because I believe like the future of, of of, uh our future depends on our younger generation so if we can, err, educate them earlier


they are and, motivate them to be a better person now chances are the future also will be better, so ya lah, because I I think you know like, the, recently there is a spike in uh like


gang activities among the youth and then there's also like drugs and stuff like that I mean it is still going on and most of the time is the, you know, ya I know but it's mostly the the young, ya and and it is also mostly uh young kids they are involved in it


so if we can actually just, educate them properly, and show them that !hey!, it's better to to, stay away from it because it's gonna be a waste of time and a waste of your future then, chances are the future for them and the future for us it's gonna, bright got I mean so ya


there is a continuous goal that I'm working, on, so ya what do you love about life bro


is a journey to where bro, is a journey uh, is a journey


it's a journey to wherever you want to, bro, it's all about intention, if if your intention is bad, your journey is gonna be bad your destination is gonna be


so if your intention is good your journey maybe bad, but your destination will always be good because, chances are like, if you want a a a beautiful view from the mountain top you have to struggle with the climb


what what is the what is the, what do you get to lose bro nothing, you lose nothing by trying, because when you try even if you fail then you will know that, you know, ah you've tried ya


you know but if you don't try you forever would not know


so ya that's what I love about life bro, life is actually, an opportunity for you to find out who you are and what you are capable of


uh okay uh, this one I think is uh when you see, people like for example in revive revive SG I have a member who actually went in and out of jail for eighteen years


because of gang-related uh crime, for him to change and for for him to change, all of the sudden and to want to motivate people to to show them that !hey! that life, it's a facade that life is a lie


I'm here to, tell you why because I'm, I've experienced it and he is dead serious on trying to help bro, that is something that is very commentable of him, and very inspirational because like


he could have just you know, change for himself and just focused on himself no he want to spread his message bro, you know he want to better people you know, so like that is uh someone that I really admire lah


so, that restored my faith in mankind you know, like I thought everyone is only doing it for themselves but no lah he actually care enough to, to, help others with the the his experience lah


life is actually about giving actually, you know, if you think about it it's very logical, your mum give birth to you for you to have life, your mum give you love, and nurture and attention


you know like, everything is about giving, you know most people are just take, take take take take take take take take you get what I mean, and never give back that's why like they're they're they're, not living a good life lah, because they forget to give they only take


but once you realize that life is about giving then chances are you will you, it it is more worth living


no I'm so, actually we can talk about uh what are you thankful for, to be honest what are you thankful


likewise lah likewise first and foremost you have to be grateful and be thankful to god, ya, and uh I'm thankful to god every day for, for giving me, someone so special


my wife to-be, that is the one that I'm very thankful, yes yes yes definitely,


like everyone that we love is still happy and you know still alive that is something that we should be thankful about as well, ya ya ya likewise bro likewise I'm thankful to have you as a friend as well


so stop and submit is it


, prompt to one right prompt one out of four, okay, part one finance


okay okay sure okay hello okay so, let's start up with the first question ah what do you think about finance, finance is an important thing


(mmhmm)


(mmhmm), y I think I agree then I also agree with what you said, uh planning for retirement is very important so , I'm sure we have some ideas on how we can invest our money and also how we are planning for our retirement


so I think, uh there's lots of way in investing on money, and, the most favourite, way of mine uh is to, invest in uh assets, like buying houses, also like giving out to rent like earning a passive income so I I've been looking at this passive income as a


no since young I've always been looking for ideas to, earn this passive income so what do you think about passive income


okay so ya I think I agree what you said so I was thinking of this uh renting house is like a very solid plan for me, but I think after you mention uh these points I think it make sense, so uh what will be your way to accumulate wealth and also plan for retirement


for your some for ideas will you share


so you mentioned about insurance right, so I'm sure you are working a lot also right, so you're working a lot so, uh what I feel insurance uh what are like some of the best insurance, you can take for yourself,


life insurance


some unforeseen circumstances


so I think both have like same weightage of importance I was about about to like uh ask you whether I mean like tell you that I think health insurance is like much more better but I think both have like equal weightage, so


(mmhmm), exactly so health is a health is level, correct ya to tell us to work, in peace and I think it would be prudent to get yourself insured with adequate health insurance, so is there any other insurance


well how about I think disability income insurance by for example if you, in event like, it protects your income source if you will like you all get insurance do you think, so so like worth it


uh, federal I think uh read about this uh disability income insurance so this is like, it will protect your income source in the event if you are unable to perform like uh your job duties due to disabilities


so ya well I think, like uh I feel like a lot of like uh cases where clients, uh, get stressed out, that stuff so that's why I was wondering, do do you have any knowledge about this


so, good point, uh so do you have any insurance, (uh huh) actually I don't have but, after this discussion I think I might like consider some insurance, because I'm going to start working I was just graduated


uh this year so when you find a job so I think as a young adult, the insurances we mentioned health insurance life insurance, I think I'm going to like go for these insurance, uh, but before going to insurance you need to find an insurance agent right


so what what do you think we should look for in a insurance agent


it's like more of trust like more of like whether the insurance agent ya I think I agree with you as well insurance agent who stays with a company same company for very long, , we can actually connect with them, and also like throughout the, like like throughout the long phase ya


they will be able to listen and empathise with us cause you know he know each other very well, uh, ya, so I think also honesty you know some agents like they, they just they just want to earn their commission so because of that they will just you know say whatever


they want, so I think it's very important to like you know put their client, in need first


uh, (hmm), okay so before marriage ah I think, like currently studying so, I'm trying to survive this COVID crisis


so uh, finance wise , I follow the, twenty twenty five percent road where whenever I get incomes cause last time I was working uh in a intern as intern, in a company so


uh what I told myself is, whatever I receive any salary or allowance I received I'm going to like you know take twenty percent of it and just save it, so twenty percent is just the minimum so of course like if I want I can like go up to forty percent but what I did was uh I raised my percentage to I limit to forty percent


so it kind of like save forty percent of my allowance every month during my internship, , so after internship uh I'm ready to this year, so I think uh I've, save quite a lot to survive this crisis so the currently I'm like I won't use my savings for this uh to for my expenditures you know like I want use but


you know I'm like struggling to find a job, that stuff so, flatly my savings is going to get affected, (hmm) for marriage wise, I think I'm going to like do the same thing this concept I apply this concept to my future work


like, after I get my salary I'm going to like you know save twenty percent of it how about you do you have any plans for your marriage


do you have, do you have any like uh percentage


I agree CPF contribution is very important so for example in my case, as an intern I don't have any CPF like I'm just getting allowance so, in terms of CPF contribution ah I don't think I have that much savings, so I'm going to work this thanks for sharing your uh knowledge on this so what were you saying ya carry on


(mmhmm)


okay so, okay, you mentioned that uh you don't have like a fixed a certain percentage like twenty percent of your salary to your savings, am I right, okay so so yours is like a long term like you


you know this cost so, you are going to work towards the constant is like duration, okay okay


uh I think I think uh I can, I mean disagree to a certain extent because uh , saying like duration so, in three years time maybe what if like the venues wending vendors, the charges all become like expensive


what if all the costs rise, do you think you can cope with the amount you save like instead, like you didn't follow the percentage right like you mean you want you're not saving like based on percentage right, so what do you feel like save up this exact amount


and you find out that the prices are, all went up, ya


eh mine is like not, uh towards a amount, mine is just like you know saving is not towards a goal like is towards saving saving saving so yours is towards a certain value


thanks to your income, so apart from this uh savings, so what else do you spend on your your salary what're your expenses


okay


so are you the sole breadwinner, okay, okay, to manage all the housework


, okay so apart from that like any other things you spend on like a lot, so like uh, like assuming like one six of us already goes to cigarettes, okay around there


okay so I mean it's great that you have a habit of saving, that's why you have the habit so it's fine some, so what's one financial advice will give to yourself five years ago


yes I agree, like make sense very it's very mature thinking with, , or five years ago like, just stick an insurance like any savings plan


and invest on like try to save as much, I mean have a fixed amount you'll have to save like per month that stuff so invest in my saving plan ya so do you have a credit card with you


better not to have I think it's better not to have, oh I see I see, ah I see (uh huh) good


part three negative experience, so I go again , could you share with me what is your greatest fear


now tell me what is your greatest fear


do you think everyone's fear is death what about, oh okay okay


ah okay okay okay, ya I know phobia of anything, oh is it uh I have phobia of height as well


phobias and also I'm like, claustrophobic really like, is like I can't move like at all, no like in a enclosed area where I can't move my, limbs or hands, so I'm actually a phobia of that


uh, not really, not yet so far how about you


ah, (mmhmm), face


(mmhmm)


ah I see I see, actually I recall a incident as well but like this exact incident happened to me uh back in my army, so I was afraid of height uh, there was a obstacle for the ladders you know bladders the thing you climb on it, we have to like you know go a tower there and climb down


so I think I I face the same situation, as you were previously, so I think everyone should confront their fears like what you said, ya as trainers


uh just do it, you know you just confront your fear, no I fear of this but no I have to do it I just told myself I have to do it, yes it's quite stressful


especially you know when a female nearby cause like you know ask you come down come down have female nearby so that pressuring much more ya ya so, uh have you gone through uh any saddest moment


during your poly or what, or secondary school, my saddest moment okay so during my secondary school


uh, I actually, like maths, so I love maths so, I did well for my maths during secondary school so I was like given a chance you know to take additional maths mathematics at secondary school


so I think I didn't like you know, study well or cope well, that I like washed it, I got like you know nine out of hundred for my exams, I got like really low marks, for my additional mathematics


so that really make me sad because I thought like you know throughout my secondary life I thought math was maths was my strength so and I found out like, I got this low marks in additional mathematics so make me feel sad, ya so and eventually I dropped out


uh additional mathematics, but I managed to do well for my O levels, for mathematics so ya, yes I drooped out additional mathematics so how about you


oh (mmhmm)


ah I see I see, so actually you love maths also maths as well is it, you didn't expect to get, , I see I see


ah, ah


did you cry overnight, I see so have you ever cried from, like after you watch movie tears just flow in your eyes


don't tell me the same indie movies i was wanted like like, ah okay, oh I wanted to talk about that, okay okay okay actually ya


yes I agree, , it's about the pakistani young girl, who somehow being trapped in india


who strive through all the hurdles


yes yes I agree, , I think ninety percent of them will definitely cry after watching this movie, emotional ya ya


so anything anything that disgusts you, oh maybe what are your pet peeves, pet peeves,


uh, as in something that annoys you the most, ya


oh okay okay okay okay, okay but you are going to have children in future as well right


okay, I see I see


(hmm) okay for me my pet, my biggest pet peeves are, uh when someone is you know scratching the cardboard their fingernails also you know writing the writing, with a chalk on the chalkboard, you know those like screeching noise ya


yes yes yes ya, ah similar but it's like objects versus uh living things, so so ya, I get annoyed by getting whenever I hear the screeches right with fingernails or what


or even though even when filing my finger fingernails, I really get annoyed sometimes I feeling like can say goosebumps as well ya so have you ever like saw something that like you know gave you goosebumps felt something that you know gave you an instant goosebumps


or what so bumper problem


ah ah, I see


ya actually I I've, encountered like supernatural , I think I have encountered some supernatural uh incidents back in army, so mine is like uh, also like heard that before


but, we didn't care much about the, death right I mean the death noises, is like the water falling like water dropping out of the tap right, ya okay, so I think I experienced a similar to that but, one incident was a, the tennis ball dropping on its own from the tennis table


when there's like no wind, so it was like you know on the table and it's just like drop on itself, so at the same night uh around that area my friend and I, like we were sleeping that room and and he felt something, so when he woke up he saw a hand


place on the sofa so, ya so it was like really freaked out by it, so he suddenly like woke up, and he didn't even wake me up and he left the room leaving me, yes yes I was like sleeping alone


for the whole night, so after I woke up I mean I didn't feel anything that night, only felt the tennis ball and that stuff, so after that I woke up and like, like, uh confronted him like why he left, me alone and stuff so he told me he he saw something there


so I like scolded him like why he didn't like you know wait for me anything, and his reply was like he wanted to leave that uh scene as fast as possible, so so I think it was like sorry, yes yes I think


that's more of like supernatural incident , , locker is it I think it was a dream or what , oh that one you got because uh


that one was a my friend when he when he was like going to toilet at midnight he saw uh, some old lady kind of structure sitting on top of the locker, so ya


and and and, the worst thing is like we actually found after two months right we found out that, we're waking up the same time like about two forty AM we always wake up at that time ya, and we didn't know for two months so like until one guy like started pointing out like wake wake up like you know hurry


every time like at two forty five AM there, ya, ya quite a lot of incidents that happened, and I'm sure you have have experience since you serve as well right ya you mentioned that that ya


okay uh


I think it was last year it's not what people caring about me is, is about, whether I'm letting my uh, I letting my feelings out, that I didn't share my problems to anyone I think there's one thing about me I I don't really like to share


my problems with anyone cause I don't want to like you know further, uh like burden them or what so I tend to keep all my problems to myself as much as possible so, because of that I may have felt that no one care about me but I know that there's people who cares about me but it's just that I don't want to let it out so ya how about you


ah I see, so got you have any like, incident where your, best friends or friends like back stab you


betrayal, oh they take your girlfriend


so you guys no more matured matured, no don't have anyone to back stab me, you have any plans to back stab anyone okay


so so, describe a saddest scene that you ever witness in front of your eyes


, saddest scene ah, in a movie where,


I can't really recall any saddest scene eh that I witness, maybe ya uh maybe like, opposite my block I saw like lots of SCDF uh because, so apparently there was a someone committing suicide


committing suicide yup ya, so I felt, I was, uh actually he didn't commit suicide think they manage to save him cause I didn't hear any like thud loud noise so


so ya I mean like I mean, at the side of like someone, about to jump that's like you know you feel like, really sad like didn't he think about his family, ya


ya I, looking at that you know you feel sad lah how would his parents feel, yeah true, you worry some like about something


what do you often worry about what do you often worry about, okay are you fit


oh looking at your body position all, I mean looks like muscular inside, (mmhmm)


(hmm) actually ya, I'm also worry about my health like quite a lot actually I was a smoker, uh so I quited smoking last year


ya so yes, I feel much more healthy ah like yeah feel much more fresh, it's a different feeling really a different feeling but still have the urges smoker so


ya when I meet my friends my cousins especially my cousins smoke a lot like two packs per day I don't know every match ya so ya


(mmhmm) yup true, he need to


part two positive experience, hello so hello once again


uh let's discuss about one of, the most important thing in our life, which is food so, I see what was the food food, yes ya so let's talk about food you like food of course


okay so what what was the best meal you've ever had


(mmhmm) how about restaurant ah


(mmhmm) ya, so , best meal for me uh according to me best meal means a, the quality of the food


rather than for me the taste so I'm more of a health conscious person so, I like my meals uh, like clean and as healthy as possible, so I let my mother cooking because uh, she actually like you know use lots of like healthy ingredients like healthy oil such as a olive oil


and stuff so I think I, I'd say I love my mother's cooking, , if it's in restaurant I would say staff I figured out of the restaurant staff, ya they serve burritos kebabs


!wow! amazing so, I think uh I can I can eat stuff like every day and won't get bored of it, yes correct yes correct yep correct


so I think uh this might also my comfort food, like a, I really get like you know excited to you know eat this stuff because of the quantity and the quality, the quality is like quite you know you can really feel satiated after you eat this burrito


have you tried burrito the burrito before, ya okay, the cousin is a nice guy, okay ah I see I see exactly


and the and the taste is like, really nice as in very delicious I think it's the perfect comfort food, for me, so how about you what's your comfort food like you can always rely on to cheer you up, McDonald's okay (uh huh) (mmhmm) McDonald's okay so you'll cheer up okay so (mmhmm) yeah you were saying something


nicest thing anyone told you uh, actually I'm very nice guy, ya nice guy as in like very nice guy a good person, so I think uh you know I only feel like uh, I'm not like much of a good guy or what like you know a good guy as in like a person with a good qualities


and stuff so, ya I think when I receive that like he say like no lah actually you're deep down you are a good person, so I think I felt very nice, with you know, how about you what's the nicest thing someone ever told you


(mmhmm), to carry the


, oh that's nice


okay that's good, so you're kind of patience guy as you, patience for your team


I see I see, so what uh do you watch TV shows, okay so what's uh what are your I mean what is your favourite TV show, let's talk about one TV show


(mmhmm), ah I see


I see, I see okay, uh, one TV show would be elite


uh have you heard of it or watch it before, okay so elite is a, spanish uh TV show spanish , there're three seasons uh is about, thriller


murder like college life, suspense and a bit of comedy, so I like that because you know, like involve comedy thrill, uh beautiful girls uh than, nice actors


that stuff ya so I think it's a very nice show, currently I have finish the whole uh season


so uh, not say positive , it's quite entertaining ya so, so I I mean as in positive as in like don't have you know, have any positive take back, take away take away there's no positive take away from it