yeah I mean now you see the stats you know when they say what statistics show that one in two singaporeans aged sixty five today are expected to live to like eighty five and beyond so definitely CPF is CPF retirement is that ya important


okay actually now next question amazing CPF, what are your thoughts on CPF con contribution, err CPF contribution I think okay I think at this age like we don't really contribute much to CPF because we've only held like maybe like one or two part time jobs but I think I've definitely heard like from my parents and everything that CPF retirement account gives good interest rate like and I went to read the website gives up to five per cent which is like


considerably higher than most banks, so I think that's I think that's a very good err very good point what do you think about CPF good or bad


oh that's a then that's quite a limitation ah because like now there's like quiet a lot of private schools and I mean it's like it it's expensive it's not cheap


oh that's true that's true I mean if you know how to invest your money and then you have to put it there then it's a waste of opportunity yeah no choices cause governments ya, okay oh that's a next one you talked about financial literacy and like investing right they said how do you manage your CPF savings


so I think ya like what you said invest like investing and everything, another good way is to actually transfer your savings from your CPF ordinary account to the special account if you're below age of fifty five because I know that standard account a special account gives a higher interest rate than your ordinary account


so it makes it makes a big difference cause it's compounded interest mah so definitely the interest would be higher when you put it in a special account, , other thing ah I know that you can like you can voluntary top up to your MediSave account so like if you know that you know you're high high expenses in medical care and everything then


it's good to do a top up in like your medical MediSave account so that you can use it to ya pay off your medical medical fees, and like so when you sit like growing right growing your CPF money when I went to the website right they actually had this schemes like this special discounted shares scheme so it's part of like the government's as an enhancement program so you can it actually makes like shares cheaper so like


singapore own shares like Singtel telecom so this shares are cheaper so that like you don't have to buy like other conventional shares but you buy through the CPF website so it's more like I guess a bit more safe I guess and a bit more cheaper, ya, ya so that's what I read I I thought it was quite interesting thought like I didn't I didn't know that CPF had their own investment schemes so for people who don't really have that much financial literacy can actually go through this like safer avenues I feel what do you feel what do you feel


okay that's that that's a good ah, so you top up at the beginning of the year lah, interesting interesting, okay I get I think this is good tips for us since, err well on the starting age of err gathering our CPF money


okay now next the income tax, oh I only our parents pay income tax now but what advice would you give to someone to reduce their, err income tax so this one I actually went went read somewhere also so basically income tax is calculated by your taxable incomes so whatever income you get that can be taxed and then they deduct like


tax reliefs so like kind of discounts and then they give you your chargeable income so based on this chargeable income right then they go and see like okay if you're in this range then this is how much income tax you pay, so there's like a list of tax relief that you can actually enjoy you know, so like if you have babies you can like you get a bit of amount deducted from your taxable income or like say you top up your MediSave account you top up your CPF account voluntary you get err some amount of tax relief also I thought that was quite interesting lah I think this is also the strategies used to


make err singaporeans have babies and also like put money in their CPF accounts so that they have some retirement funds


ah yeah yeah for the rest also, (mmhmm), yeah there's like there's a cap for the rest also like you your top up of CPF also there's a cap, so I guess there's there's good schemes but there's also the terms and conditions that you know we have to read lah before so you make sure you enjoy the tax relief


ya that's why okay so oh retirement again what are your opinions on the supplementary retirement scheme okay so to be honest I'd never heard of this before because I mean we're not near retirement but I went read up on it a bit and so basically the supplementary retirement scheme right is a add onto your CPF savings


so it's like a additional account that the government gives you, so it is under the like is operated by, CPF and the local banks so it's still like save the only thing is that so it's a separate account right but they don't give you the same interest rate as your CPF retirement account actually compared to the retirement account your interest rate for SRS is only zero point zero five percent which I thought was very very low


so I was wondering why would people put yeah why would people put their money in SRS account when they can just say like invest or put in like a regular bank account you know, ya, but I guess it comes with one benefit if you put your account if you put your money in the SRS account you get some tax relief


ya tax relief, ya, but here's the bad part is there is zero point zero five percent which is pretty low lah


oh that's higher than CPF ah, oh, fifty five I think minimum is starting is fifty five ah


I guess if they put their money there and then grow it because there are like CPF has their own investment schemes SRS also has their investment scheme so you can buy like government bonds and stuff so I guess if they put their money that they really have to grow it cause if not the value will just depreciate due to inflation


ya, rising the cost of living okay do not worry actually when when when I go to google and everything right it's like it's quite a onslaught of information that there's quite a a overwhelming amount information so, the next question when they asked how would you make a financial plan for your family your children right honestly I think I would actually just con get a financial adviser to help me with it


cause, it is quite confusing you know everything is like there's pros and cons yeah, that's true that's true I think I will be more I will be more comfortable as well


ya, so when we talk about children and family how would we manage their investment portfolio


exactly for children especially


I think when we talk about saving from a young age I think that is very important so like at this time that how do you spend your money I think we both spend our money a lot on like food, yeah I think food really like especially during a circuit breaker GrabFood everything was the the biggest hype


ya so I think, ya spending really on food lah I mean it's an essential item but that's definitely, a cheaper alternatives that you can always look into


just for just for, okay just the end of I think the last question is very nice what's one financial advice you would give to yourself five years ago, I think I would just tell myself to really save I think even at a young age right like one dollar two dollar really makes a difference like one or two dollar and then hundred days is two hundred dollars you know


so I already say just save but also at a young age just maybe just live your live [lah] I mean you have lesser things or think about what do you think sara


negative experiences, okay now it's err very err somber mood, okay let's go near


okay describe a time when you felt trapped or helpless, , okay I think it definitely comes at a time when I was doing my A levels, I think when it comes to academics I do like stress myself quite a bit about it and like I do like want to do well and I always like


over distress myself so I think when I when did my A levels I definitely felt trapped because when you do your A levels right it's like everybody's on the mugger mood, so is it as much as they it's a like it's a togetherness like it's a battle together but ultimately when you sit there and the exam hall is just you and your brain so I definitely felt like yeah I definitely felt quite helpless because no matter how much are studying no matter how much time was putting I'm still getting the failures to getting the U and


yeah I think that's the time that I definitely felt like quite trapped because , yeah I mean I was going to tuition but, this is not working then everyday you just and it's definitely like a overload of content you know so it's like one day you don't understand something the next day just piled up so definitely felt quite helpless but I'm just glad that it's uh it was over


that's a def definitely a true worry, okay next one what are some of the hurtful words, someone said to you that you wish to


like from my own siblings themselves, I think whenever like err like maybe I get into an argument with my parents or something then they say things like oh you're so, spoilt you're so stopped arguing stopped arguing that kind of stuff, yeah I think it's just one one line right spoiled pampered it's very small thing but


definitely when you go go to bed at night it every lingers back in your mind, ya so ya, that's something maybe we wished to forget, yeah kay describe the saddest scene you ever witness


I think mine would be pretty similar like related to death, so I think sadder scene was when one of my uncles like passed away, to do ya you know motorbike motorbike accident in yeah we had to travel to malaysia for the funeral and I think I mean we weren't very close to them but just seeing like


the different family members and how much they were affected by it was definitely a a sad scene lah, ya it was definitely not not ya, uh described a time when you feel that nothing you do is good enough


I guess mine would be again coming to academics cause, you know you put that, each for every like exam you take off for every uh milestone in life you have that goals to meet right and then when you just you just don't keep reaching it


I think there's like time where I feel like you know nothing I do is just ever gonna get me to there but I think at this age when I look back I don't I mean yeah I didn't meet our my goals but I'm still very happy where I am now so


uh yeah you just say at those times I feel and I think it's good enough but I should have told myself then that it's okay like in the end you amount to something which we did so yeah but I think those times when I fall short of my goals I definitely like academic goals I definitely feel that nothing I do is just is just ever going to get me there but


yeah it just err then I should have told myself that it's okay you know you will amount to something eventually


time where you feel that nobody cares about you, this is I I, I I definitely cannot think often I don't think anything of a


the only time I can think of is like you know when you get into the argument then you get really angry and then you just and then you just start thinking there's ah no one cares about me but in true honestly that's not true


so I would say that the times where I feel that nobody cared about me is is not is just is not true lah it's just, it's just I I chose to believe that yeah is there so, I think to this question I I I don't think there's a time that no one nobody care about you there's always someone out there, my parents siblings family always like having you in their


thoughts ya you might don't know it ya that's why ya, okay what do you often worry about


I think ya same what do you have to worry about getting a job getting a, like you know getting yeah getting a good job, , err managing this high cost of living,


ya just finishing school and seeing well like just worrying well end up after that, I think that's just something, where every singaporean worries about so, yeah it really is yeah it's really just how, I would just worry about how to manage the whole cost of living situation


which we know yeah, ya then there's the whole career advancement all that kind of


saddest moment okay, I I don't know, like some people might find this trivial but like I did lose a pet a few years ago, so I think ya, ya so I definitely that was one of the I wouldn't say sadness but one of the sad moments because I did hold the pet very close to my heart


and I didn't get to like say I was overseas when the pet when my pet passed away so yah I didn't get to say the final goodbye so that definitely, made me quite sad I would say cause I had it was my first ever pet as a child


ya so it was my first ever pet to call my own and yeah I think that was that was quite a saddest moment especially when I came back home to an empty cage, yeah that they are that was definitely sad ya


okay is there one thing you wish you could change but we'll never be able to, !wow! my height my height , can I say something comes of top, of my head


what's something you wish to change may never be able to, , oh okay I think after my, A levels I went out to get a part time job, and I feel like I didn't really choose like a correct part time job


I think I choose something that didn't really yield quite a lot of savings and, that got me to like start uni of and a quite of a rocky financial foot so yeah that's something that I won't be able to change because I mean the time's gone by, ya I think if I could if I could I would go back after A levels and actually get like a like a better better paying job at least to secure my finances before I went to uni


I think like we're both people who don't really dwell on the past I don't really have much I don't I don't really like have regrets, I'm not I'm not person who holds regrets so, ya this question is definitely yeah, okay err have you gone through any loss in your life if you have described your emotions at that point


err I think, fortunately we have not gone through any loss, yet , yeah which I'm very fortunate to say and I hope that I can say that for, a long long time but yeah but fortunately we have not so


the only lost like pet lost ya but I don't think that's ya we already touched about that, yeah, okay let's go on to the next one then what makes you stressed, !wow! a lot of things, err school


parents pressure, suicidal pressure peer pressure, well we're just literally in a pressure cooker, the ya they always described singapore ya, it they always described singapore education system to be a pressure cooker and I do believe that it is


think or of the bat if I think what makes me stress it just be, what how how am I going to get internship next semester how am I going to get a job yeah just like ya those kind of things


yup, alright what is the most traumatic incident you've ever experienced in your life, !wow!, most traumatic incident


I think I would say like I had a health scare a few couple of years ago, I think that was definitely the most traumatic cause my pain tolerance is very very low, so having to go through like all that surgeries needles and all that was just, , was just very traumatic and yeah I think to this day I I still I still like


a recount those days and recount those memories and it definitely leaves a bitter, bitter bitter taste in my mouth, ya so I think that would be the most traumatic incident but it's also may also made me stronger in a way like just not like dwell on things more just kind of just


be happy go lucky just go on with life


okay what is the biggest thing holding you back from your goal, I think it's just a fear of failure and, just that fear of being like, , like I said I'm the youngest right so like if I were to like take a risk and do something and I actually failed I feel that


people will like turn back and say like oh you just don't know anything that kind of stuff, so I think there's definitely the biggest thing holding me back cause, like yeah I just I I don't yeah I think it's just a fear of failure then people turning back telling me that oh you should have known better and that kind of stuff


yeah actually when you say money I think yeah money is definitely, when you think of like job goals and financial goals definitely money's is the thing holding us back , yeah, okay yeah I read this african proverb, they said has there been a time in your life where you come closer to starting the fire


I really couldn't think of a time because, I don't know I'm just, I I don't think I'm the kind of person who, like what's that gain, err what's that like be happy at someone else's at the ya at this


at the at the hand of someone else's struggle, like I I don't I mean I I've seen people like that I have experienced like people around me who have done such things but personally no, ya, I I I don't yeah I I really cannot think of a time


I don't think I've ever gain pleasure from someone else's struggle so


ya when I read it I was, actually when I ready it it reminded because I've seen it in my literature text before, ya and I was thinking to myself this a when I read it I mean I was in secondary schools so like didn't really think much to it but as of now man I think ya I mean I've definitely met people in uni working world that would do this and it was definitely shocking but


I mean there's a reason why this proverb proverb was written, so there are people like that but, yeah I I don't think I'm I think I don't think we just would not that but like, yeah which is no I don't think so ya, describe a time when things turned out not meeting your expectations


, actually we we just like a daily basis, like every day you gonna have expectations of how your day turns out and when something just doesn't workout it will slide into this category as well, like just simple things like if let's say I aim to like reach home my this time get more rest and I come home later then I don't get the amount of rest than in I'm like a bit like ah


I there's a nightmare that is a simple example how it just doesn't, like satisfied ya


yeah definitely when I think of academics ya


positive experiences, see okay positive what is the nicest thing someone has ever told you


I think I'm I'm quite a easily pleased person so when someone tells me like I'm funny or like if someone tells me that my hair looks good I think that was I consider that like quite nice already I don't think yeah


ya ya that kind of small comments you know like you day to day, I think nicest thing, okay I guess one nice like what's the nicest things someone ever told is that because like I'm the youngest in the family so when someone tells me they're like oh like you sound mature or like oh like you don't look like you don't sound your age then I'll be happy because like


I'm I'm like you know it feels as if like I'm not just like the youngest like the small one lah I'm actually growing up that kind of lah, yeah I guess that's the nicest thing okay what was the happiest moment in your life


I'll just say happiest is like with like family cousins, like just whenever we have like a good like bigger family gathering, I think that's like the happiness because like, this, it's like family memories so I guess that's the happiest


yeah all the last term I would say that's the happiness, personal wise also happiest moment was like finishing A levels, I think ya just finishing then that that school


like, or so many years of studying so A levels is like the kind of like the last national exam I guess that was also quiet a happy happiest moment, academy wise and fame, yeah it was stressful to us


I think that's I did it that definitely hit the spot, okay describe one of your most memorable travel experiences, oh, okay this this question makes me sad cause you can't travel,


ya okay I think I have I've one that comes up to my mind so I actually I went to cambodia with my friend, err so we went there to do like kind of like a build the house kind of , , whats that like a service trip so we okay so after this after the whole service trip uh part of the trip right we actually travelled to #siam reap#


to go and see #angkor wat# so this was on our own so we did this two girls okay just two of us we went all the way so, we booked like a tour group to go to angkor wat so we woke up at like three AM in the morning and then we go onto the bus and then it was like with bunch of other people who don't even know so then and lunchtime right we sat down and then we were talking to this guy so he looked very korean so we were like oh isn't really interesting you know let's ask him about some korean drama like ask him about korea


so then we asked him and we asked him oh hi what's your name lah so he says like a korean name and if you ask him oh where you from and then he say south err north korea, and then we were like !huh!, then we were like thinking wait wait wait are you seriously like really north korea leh and then we look at him and then we give him like a very weird look like !huh! and then he's like ya I've been to singapore I have traveled I worked in a e hotel industry here we are thinking north korea you travelled to singapore you work in the hotel industry like he's there in singapore for like six months I'm thinking


you were from north korea you came all the way to singapore for hotel industry line doesn't, add up, and then we then we like we were just talking to him like oh so how is it like in north korea like is it very like regimental is it very like very strict you now is it very like how they show it in the, news and everything and then he was like north korea no I'm from south korea then we were like !huh! then he then he then he tapped his hair like you know like very like korean Ahjuma style you know he like oh no no no no I'm I'm from south korea south korea like you know he he it was such a big mistake you know for him he was like


no no not from north korea , okay that one was quite funny because, ya , we were very shy ah it was quite funny because the whole trip you were like challenging each other, to like talk to a stranger and that was our first positive experience and then it turn out to be like some man that was just so sleepy that he told us he was from north korea yeah I guess that was quite memo that was quite that was quite memorable lah sara what about you


ya true true I think, , when I went to cambodia so I visited the village and everything the kids are just very pure you know is like, they are the very the very easily satisfy very easily , uh happy you know nothing they don't need like iPhones they don't need like ah computers they just need like and like just like regular things that can make them happy you know so it's quite it's quite hard


ya it's very different very different, I guess that's what makes travel like, ya, that's what makes travel very memorial cause you see these different like living experiences you see these different cultural experiences that that you don't get just staying in singapore I guess


okay so let's let let's hope the borders open up soon, , ya okay what is the oddest or most unique compliment you have ever received, (hmm), oddest or most unique


I don't know if that is is not really a com, you know most unique compliment, (hmm)


ya oddest, okay I guess I don't really I don't really know if this is a compliment or not people have told me that, because of mine like high nose bridge they thing that I'm very arrogant


but, that's not a compliments but I I think that's the oddest thing I've heard you know like someone gauging your personality from like from my nose bridge which is above, physical trait


yeah yeah most unique compliment, ya, I I think, I think ya that's it I think it's just the nose the nose shape, okay we will we'll think about if we think of it we will come back to that about the nose


oh !hey! next turn !woo! what are you thankful for, I think this circuit breaker period especially I think just mostly thankful for a family cause like we all staying home together so I think very thankful for like


not just being coop up in our rooms but like watching movies together having lunch together cooking together err going out for exercise together just really just doing everything together lah, because I mean on a day to day basis when you're going to work and everything, you know you don't you you don't really forced to sit down and spend like this whole day with your family members so I think I was just very thankful for a circuit breaker that got that chance to just sit down and just


ya just to get closer and just really just laugh and just spend time during the day


yeah definitely I think I think I think we were both very , like, small things really like kind of satisfy us quite a bit so like family or just want a facetime call lah all this kind of stuff like it does does does make us quite happy lah basically


okay what did you use to hate as a kid but now you love as an adult, , okay what's the answer that's fun


oh !wow! okay that's a very simple answer ya, I think, used to hate as a kid uh I think as a kid I hated like having my own money, like because okay so as I say I'm the youngest in the family right so I always saw lah my siblings get like their own debit card their own like like they're open their own bank account and always thought like like for what you know what what why didn't they just


just that one like pocket money enough like you kind of thing but not on a as a as a young adult I really like having like the whole personal finances like my own savings my own credit card my own debit card, ya I think that's something that, I didn't use to see the ya like it now I didn't ya I didn't use to see the meaning of it as a kid but now


as I growing up I I I say I like it lah like don't really have to keep asking like my parents for money, like having that whole night ya, ya ya ya, all these like ya and, yeah that's why okay so next one what was your best birthday present why


best birthday present ah okay I'm quite, a sucker for like handmade gifts, so like ya when like friends like paint me something or like even write me like a letter or like a set photo frame this kind of stuff or like a scrapbook


yeah I think that has got to be like my best, yeah I don't know hand handmade stuff kind of, I have a spot for handmade stuff so, I would say that's the ya ya definitely true true ya


think we were both like hand hand written like handwritten notes are both our favourites, ya that why , okay next one what is your biggest blessing in disguise, (hmm) this blessing in disguise


okay I always cause I think a few times I mentioned that I'm the youngest in the family right so I always feel that like I'm like the youngest like they they've always consider me like a baby like very like the small girl don't know don't know much that kind of like mentality you know but I think I take that as a blessing in disguise because


because of like the fact that I'm youngest right I have all these like advice and like I see what my siblings go through and I see like the good and bad and then I don't I don't I try to replicate it that kind of stuff, so I would say being youngest has is definitely a blessing in disguise but sometimes, like I do find it a bit like ah I'm the youngest lah and small the youngest in the family lah like baby baby that kind of stuff but it's definitely I definitely is a blessing in disguise lah because


I have so many people to like to look up to and to learn from, ya so I think that would be my blessing in disguise, what did you what's your sara,


literally you know blessing in disguise, it's not in disguise lah, , okay !woo! sara this our favourite question what is your comfort food that you can always rely on to cheer you up oh my god there's so many only one okay err comfort food !aiyoyo!


err I would say I would say home cooked food, like any home cooked food I think that's a good answer because like that covers everything right, anything that my mum cooks I think definitely a


, I definitely think more for food lah


yeah I would definitely say your home cooked food, , or if you think of any other food, okay if you don't think of hong kong food what is one comfort food you can always rely on, oh my god, I was gonna say also,


oh my god definitely in, or like, or like some frozen food, like you know we put in the air fryer ya, okay no no if to think we talk about food the timer will go up already okay next one , , what do you love most about yourself


!woo! , love most about myself I think the fact that, I'm a very people person, like I think for me ya I think the fact I'm able like to hold a conversation or just like like just talk like I think talking in something that is a very and I don't I think is a quite a underrated skill because like being able to hold a conversation being able to likes work the room ya I think that's something that I like about myself


ya, I don't I don't find myself in awkward situations that often, like when I'm awkward it's just like that it's just yeah it doesn't really happen that often I I just I don't really get awkward so I think that's something that I like about myself


so what do you love most about yourself


like your set your ability to read people, and your ability to like figure out whether like, like whether they are, like of a good or bad influence I think and I think that's quite a, notable skill of yours


okay next one oh this is interesting who in your life do you looked up to most and why, , looked up to most ah, you want you want to go first


your parents your mum


I think actually my my answer might be the same actually is very close I think it's a tough fight between my mum and my oldest brother, I think close like okay so my personality is very very similar to my oldest brother so I think that's why I relate to him a lot of things and our humor is like kind of the same and it's just yeah and I think


ya it's just we like every like interests in that quite a few like common topic, so as in when it comes to like looking up to the he's there because he's definitely older right and he's definitely more mature so when I see his train of thought I always like I'm in an awe of like how his brain works


so I think that's something that , ya I didn't tell you know it's also I think there's someone I looked up to most like like education wise like academic wise or like personality wise I think as of like when I say like you know when I talk about I heartwise like definitely will be my mum same things you know like resilient just working for the family cooking every day yeah putting in so much


yeah and just being so like cause my mom is a very like very funny very cheeky person so I definitely ya I definitely I I definitely yeah so yeah I think there's a very close fight between my mum my brother, yes , we're not we're not telling him this okay describe a time you got appreciated for your hardwork


that that that's actually a very analogy, that is such a nice working environment, describe a time when I got appreciative for your hard work I think just recently like I planned my orientation camp


so I think for me it's like the people I work with is very important, like it's very important for me that I'm on good terms with people I work with so I think when they came and that it was just it was just very nice when people text me like oh like thank you so much for putting in your hard work like for making it work that kind of stuff just a a text you know like it was someone that I didn't ever know but I don't know I just I just felt very touched cause cause when you're planning camp such a


broad basting like I I contact so many people so for someone to actually remember like me and actually come back and actually like say things like oh thank you like for like doing ya it's just two words say thank you but, she didn't know lah but it did really made my day like the whole day so yeah yes


ya that's why okay, alright last one describe your perfect day , perfectly really just we just lie in bed sleep all day and then maybe just go out for dinner with like loved ones or something


ya just food and sleep and just Netflix, and just some family family time perfect done so what about you


financial related topic, okay


yeah a good way to invest money I I think investment is very good so actually spending money on like talks and guides on how you should invest will actually benefit you over the next couple of years, then you can go into like investing stocks so you have a better idea yeah then you can go with banks with higher interest rates also ya that's what I think


yeah I think yeah that's good because they actually provide you with a lot of scheme so why not make use of it right ya err yeah they can even uh go further plan a budget you know err for whatever they want to purchase and then err they can start off small if you want to buy a car maybe opt for second hand car first


so and then they slowly move on from there


, I definitely have been spending more because of COVID yeah so but because of this we actually realize that we actually do need to save because when there is a pandemic like this ah you have to use your emergency funds for you know supermarket shopping and stuff like you have to keep cash for reserve


ya so should be very careful


yeah


ya I think it's also a good way lah because you can grow an amount of money that can help generate enough income so as to sustain each each person's individual lifestyle lah so maybe they can you know exercise self control even better help them yeah when they're going into this


yeah, , the next one someone,


yeah yeah that's true that's true yeah this is actually quite a topic, so maybe you can help the person you know write out a budget for them and make sure that they only spend on necessities drop all their expensive habits and maybe ya encourage them like you said take a part time job too if possible and ya give them motivation you know to help them realize that there's a real future in front of them after this step


sue , I mean yeah it does


ya it's not yeah you're right yeah but,


yeah like you said it depends on the situation right of an individual so like ya I do agree that credit card more convenient definitely more secure than you know holding box of cash in your hand, and yeah you can finance large proceed purchases easily but for no maybe because like they'll be high interest rates that may bring you into to a debt so ya


and may also incur unnecessary late fee charges if you accidentally you know miss a payment date ya which is also bad yeah exactly so yeah yes and no


retire okay


that's true yeah, yeah ya the rule of thumb was interesting like what you said yeah I I answered questions in my head about the four percent because you know there's very little actually thinking about it lah depends how much money you have you know


but also ya some advice maybe to give is ah for them to purchase err good health insurance coverage for their future you know and they should also focus on your physical health because they're already getting old and stuff and maybe start a building on their CPF savings


so ya they can have a comfortable life when they you know get older, in that sense ya


ya, important ya so they choose


, part time ya


I mean the I think there's there's two sides to it lah can be the good okay but can be the bad, so for a good you know you can use use the CPF money to buy a house you know err for health for retirement so it helps your future and also it I think maybe helps to give financial


stability to people in the silver years especially if they are not too sure on how to manage their wealth yeah but the bad thing maybe is a, I've heard that you can't use CPF to pay for you know your private school fees if you're study in a private school yeah


it is yeah you're right so it's a pity you can't use it but you can people can still use it for local uni but not for private so ya also I think for some people it might be a wasted opportunity because these people might want to invest all this money that's being put into CPF but they're but they can't do it


so for people with high financial literacy they actually can't do it lah so they are limited to


do it earlier ah yeah


(mmhmm), (mmhmm)


yeah , , yeah I didn't know


yeah I think that scheme is actually a good idea I've I have not heard of it ya till now, yeah thank you for sharing that that was quite interesting, yeah so from to add on maybe to the question maybe maybe you can withdraw your CPF at a later date in all so that your savings in your CPF can you know continue to grow at at this the attractive interest rates that you mentioned earlier


ya and also maybe ah you mention topping up right voluntary contribution of MediSave yeah so as well as a topping up your special account and retirement account also with cash, ya so at least if you top it up at the end of the year because CPF interest is calculated monthly so if you top it up in january you earned statistics say you earn twenty percent more interest over ten years instead of topping it up in january eh instead of topping it up in december ya that's the advice given


ya correct ya , oh yeah we are I guess


yeah yeah uh , ya I think I read online also when I was doing my research ah ya what you said having kids and maybe adding on will be maybe , claiming expenses like you know those err travel cost err from your jobs entertaining clients and subscriptions that are actually paid from your own pocket and are not reimbursed


ya this kind of things and also maybe upgrading your skills so if you took a course relevant to your current employment you can actually claim the amount you spend on the course and that exam fees as well, but it's a cap up up to five point five K ya so you can have it deducted from your chargeable income which is ya it's quite good right


same,


that's a big jump


tax relief okay the I mean that's a that's kind of a good point right for us yeah , also I heard like you can't actually withdraw them until you are sixty two years old so


sing CPF is fifty five right if I'm not wrong fifty five, ya so even though this is a good way to save for retirement I don't know how many people actually go for it because sixty two I guess it's quite err you know old age sixty two you can say


you are right over the years you know inflation just keeps rising up


it is it is it really is, there's so many things online you know and you don't know which would be the best unless you have someone in the field of expertise to actually help you out you know


for children you know maybe buy them a good medical insurance early have regular education savings, so you actually start early you know so you can like for example put three hundred dollars a month for your child so in order for them to be able to finance their education when they grow old because now nowadays money is quiet a


you know big issue yeah and also yeah exactly and, I think it's good to instil kids like the importance of saving money at a young and early age so that they see the benefits of it when they start growing up yeah rather than realizing it later which is bad


you are right you are right you know and , ya for this circuit breaker maybe you know online shopping has become such a high thing among everyone nowadays ya spending on unnecessary stuff or it can be deemed necessary you know if like you try to pick up a talent and you are buy something you know something like that they actually depends ah what what uh can be justified and what can't


ya the spending too much ya just food lah I guess what you said yeah that's what I've been doing


yeah I think just you know tell myself stop spending money on things that I don't need ya I mean that's what I would say


(ppl)


negative experiences


serious topic honestly after reading the questions I thought yeah it's quite a deep topic


(mmhmm)


I think you are that that was quite a journey for you right that time you know when I feel okay maybe not say trapped but for the helpless part


oh it's just simple at home experiences you know when my parents, fall sick and there's actually nothing I can do about it you know, know those pain or whatever that is unavoidable and they actually down thing like seeing that there's actually no way to help them improve their health and make them feel better physically it's actually quite you know sad because


yeah you don't want them to be like that but at the same time you have no choice you know it's it's life problems that they have so yeah I think I think that's what I can think of is now lah for the helpless part


(mmhmm) it is, !huh!, hurtful words I think they would actually come from my parents like you know when they're angry when they're you know


angry if you are yeah they say what they feel at least sometimes hard to forget yeah so even though they apologize to you after that you know but it still feels sad to remember that thing because it's in your mind forever so maybe hurtful words maybe


if some I can think of would we, , if you don't do well you won't end up you know and a good place in the future and stuff like that you know it's kind of small small staff actually impact you ya I think


I mean the saddest scene as for now for me would actually be you know, my dad's mum so my paternal grandmother she passed away so and we had to go


overseas you know seeing the whole process was actually really saddening you know because yeah just witnessing everything someone who so close to you know , are disappearing suddenly its just quite a big loss and


it's one of the scenes that no one wishes to experience in their life ya so it is something that you have to witness, ceremonies and stuff but yeah it ah is definitely one of the saddest scenes I would say


yeah is yeah you're right


okay


yeah yeah


(mmhmm) you're right you know I, ya I don't like you know the phrase nothing you do is good enough of course nobody likes it, or maybe this one would be you know personally, would be you know helping around the house you know household chores and stuff but


when you feel like maybe you know err sometimes you feel like people don't appreciate the things they do for them yeah and they don't like you know show you that they appreciate it, so you feel like whatever you do is not going to be enough to ya appreciate you I guess something along that line


yeah cheerful


yeah I mean I have people to you know support me fall back on I have family friends you know so I can't think of a specific time as well like


that's not true because you we tend to isolate ourselves when you're angry and when we are the one who don't want to talk to people so we yeah


you are right, even though you may not know it there will be always someone you're right I agree with you definitely


oh, okay this one living in singapore actually this I actually do have quite, bit of worries you know stuff like not being able to secure you know a proper job settling down having enough money just to settle down you know all those ah you know worries that I actually have cause we are getting old


so we have to start thinking about those things before it's too late you know that's what I feel


you're right and even after they go onto the proper job they worry for the future which is their retirement yeah so it's never ending worries I guess


can you think of anything saddest !wow! that's like has to be saddest moment maybe you can just you know say like some sad moments if you can't because can't pinpoint to exactly a saddest yeah you know


yes I know about that


you're right you know pets pets play a huge role in our lives you know with err those pet owners would know, how much actually means to them you know saddest moment ya I will just say that there are multiple saddest moments you know


can be as simple as fighting with someone it makes you feel down or you can just be sad thinking about you know the slightest thing you know, it doesn't have to be a huge thing for me honesty but yeah I'm I think I am a very sensitive person so


small stuff like err hurtful words that people may not think hurt it's hurtful may actually yeah it just makes me sad lah I guess


your height really


ya for me I that only thing I can think of is you know school even though they are saying nowadays you know PSLE or O levels is not is not like the biggest thing in your life


but I still think if I could maybe I would go back and study harder, you know ya I think, that's all I can think of for now because the the


past is past can't change the pass you only can improve in the future so that's why I tell myself each day


I think ya we're very thankful yeah I mean part of those yeah I mean yeah you're right you're right, pressure yeah


you are right peer pressure yeah you're right there's actually a lot of things the makeup this yeah right you know singapore is a very competitive environment so


I I agree with you honestly ya because I do because so much competition between kids nowadays and it just makes


is ya related to all our worries that we have right


I wouldn't say it's most traumatic but for me anything, to do with hospital is traumatic as well because I mean who like staying in the hospital right, yeah I think for me would because at a young age I had


many teeth issues which actually you know err led me to stay in the hospital because of operations and surgeries which, yeah it was not a comfortable life at a young age you know to drink from straws and drink liquid die ah have liquid diet and stuff like that so ya for now I think that will be it because thinking back I I never want to go through a time like that again


for me would be I think to work towards my goal I need a good qualification need enough, money so as of now because I'm still studying those are the two main things that are actually holding me back from my goal


to, start working in a place that I want to work in my interest you know so yeah I would say those two are the biggest things money and qualification honestly


you're right because this proverb ya so, I agree with you I don't actually have but it was interesting to learn about this proverb because I didn't know about it before


yeah okay you're right I mean


you're right you know yeah I mean it's good to plan and when you don't hit the plan you know you end up not meeting expectations you not feel disappointed of yourself, bigger thing would we studies you know you expect something and you'll get something else so I think academics and just simple things in life for this


yeah I think that's about it


positive experiences


okay actually it's honestly quite hard to think you know because like over the years of our life you know suddenly to think of what the nicest thing thats someone has told you ya


you are right and like, I mean if someone told me like your you know you're nice to hang around you know something just small like that, yeah like that yeah I think that


yeah that would be nice to hear that is nice


!wow! happiest I mean I think we have a lot of happy moments in our life so It's going to it's it's quite hard to narrow down the happiest as of now do you have


all the laughter you know don't


I guess ya for me was also gonna be family and all the family you know yeah that was going to be my answer to, ya ya ya you're right you're right ya


ya you for you was a ya national exam but for me was, it was stressful ya for you I I understand yeah for me would be actually maybe I could say you know my graduation in poly because that's actually the first time we actually could wear a gown walk on the stage your parents watching you people watching you you know


okay, that is very true yeah


oh when you guys must have gotten a shock when he say north korea you know


I think that's quite funny honestly ya I would have gotten a shock of my life too yeah lucky realize his, mistake for me ah you said cambodia right I have, actually that was one my memorable memorable trip because my cambodia trip was actually like err with my god parents so it was like a church related each ah


trip so I actually went there I went to the orphanages you know actually carried the babies you know and it felt so yeah they were so cute so we actually bought stuff for them you know like how when you go to orphanages you know milk powder tins and stuff like that so contributed to that and then going there actually seeing those kids


actually made a you know great impact in my life yeah so yeah I think that was actually most memorable for me going there being able to see them


it's so different you know like singapore and there it's so different ya it fits it's really eye opening


yeah you don't that's the thing, , ya I would like to make a trip there again sure,


nothing unique is actually coming to my mind I think I have receive maybe odd odd, compliment but


talking about your, ya talking about your nose yeah I don't know why I have people tell me that you know my nose is so sharp I didn't even know of its a bad thing or is it a good thing you know especially for it for us I really because


yeah it's it's I really can't think of a odd compliment but I just know people just telling me weird things about , unique I


oh yours would be the shape ya mine is the length ya I will I will


yeah yeah thankful number one would of course be family and for you know, my parents for


you know like err spending time you know when during circuit breaker we couldn't meet as well so uh you know our Facetime calls all that you know it means a lot


I have an answer for this mine is sleeping and eating for sure as a kid I hated eating I really I don't eat ya so when like my parents feed me I'll just keep the food inside my mouth I don't eat


and now I just love eating and sleeping when I they ask me to go to bed I don't I don't like going to bed so that's the two things I actually love now you know,


oh so you like it now right the responsibility !huh!, ya you did ask quite a lot of questions last time about you know all this stuff so ya I understand where you're coming from


, !wow!


yeah I actually till now keep the handmade stuff made by you know secondary school friends even and even primary school friends I still have them kept because it actually does mean a lot to both of us I know I know about that yeah


!wow! for this I still have to you know ponder for answer because I honestly just yeah fall because biggest blessing in disguise I'm you know I have to think about that but if I do I'll get back to it


on that I mean I have things that you know I'm blessed for but uh not say in disguise ya that's the thing you know ya ah okay ah the next one is the topic I like


there is they asked for a yeah so


that's cheating that's not a comfort food but yeah you know you're right because yeah in our house you know, we always have a certain dish that is called the comfort food by itself you know it has a name for it comfort food this combination of food is cold comfort food so yeah I think err you're right at home cooked food that was my answer


yes, I would say instant noodles especially the Maggi brand and ya the Maggi brand the curry flavour yeah that's I mean as specific as it gets ya because


easy you know convenient yeah you're right you're right , okay okay


yeah I actually I see that in you lah very obvious so it's really good oh what do I love most about myself I think , the fact that I don't trust people easily yeah I you know because yeah it's it's not good you know to


trust someone and then you know get betrayed and stuff like that ya so the thing that I do is I really don't trust easily so I think it's something good that I actually picked up over the years because, you know why bother getting all the sadness and all after that


thank you , this one I I ya I mean for me it's as simple as my mom lah and you know it's my mom yeah because no matter how much she goes through she's very strong very resilient and never has given up even when life knocked her down you know as hard as


possible ya so seeing that you know I think it will actually help me to grow in the future because of how strong she is, how strong of a woman she is yeah I think that really


putting in so much yeah putting in so much for us , yeah your brother will be happy to know he was included in this


okay, two minutes, oh okay, I can think of something when I used to work yeah they actually


they will announce your hard work and your efforts in the morning in front of the whole team you know in front of everyone so I was working in an outdoor environment so, or whenever you do something the manager actually goes around and notes down and they actually give you like a it's call a fun card you know


there she write your achievements on it you can keep it yeah yeah write you're achievements on it early in the morning you know to brighten up your day you will be a surprise you know you won't know it's coming and they will just , yeah you know you don't know who's gonna be you know called out so when your name gets called out you know everyone starts clapping for you and cheering and you were like it it feels great you know


you are right you know actually two two just two plain words can make someone's day, oh last question


I think I don't having a good solid eight to ten hours of sleep without having any work commitment and getting the chance to relax and have me time family time yeah that's basically it


part one financial related topic


okay uh, then how you want to go first


uh no, because that uh there may be no control in the spendings, as in there will be a lot of uh


like a a lot of opportunity to spend ah using the credit card then it's like sometime may overspend without notice, then there is a interest rate


but from what I think that there is good and bad lah, but for the good wise I find that having a credit card is like convenience wise lor, convenient part is like uh


you don't have to straight away withdraw or anything just, like maybe a split payment, using the credit card, and there is a lot of benefit coming from signing a credit card lah


then how do you invest your money, for planning, to get a car or retirement


usually I just save up my money like for example twenty per every month, saved up about twenty per cents of what I earn, then if like sometimes there is a need of, income to then is like want to deduct


the saving then maybe next month I save thirty percent more then this month I just save ten percent more, then I I did not do any investment yet, which is I currently, I don't plan to lah because with my income is quite low


wait until I have a more stable income then I'll plan, to invest next time ah, because currently is like, uh there's a lot of things are still in NS all that


actually for my case right is like saving, a lot compared to, uh, during normal days ah during this COVID period is like stay at home then, for my job is like always have duties then is like keep me from


spending a lot lah, compared to normally there is like uh this is a good saving ah then some more government is like providing us a lot of benefits


depends on what situation they're in lor then is like, most likely will always ask them to keep track on their schedule, and what they really wants


sorry can you repeat the question, ya the advice I will give is like they have to keep track their schedule


it's like depends on how they going to uh spend all that is like what're they need to cut down on those unnecessary stuff


and what they have to do, that is depends on the situation lah, because different people have different situation on what they having difficulties on, then what advice will you give them


for uh, for having uh like if they want to save up, and having a finance difficulties


then how shall uh then manage the cash flow


then what is the habit of saving, like to uh what is the habit of saving to ensure that you reach your goal, because you talk about your, uh stocks all that investment


then there is a there is always a risk to it, so how do you manage to ensure that you're not in a risk


usually how long do you plan for the saving future like maybe five years duration ten years twenty years, like what's your saving goals like five years ten years twenty years


usually I just keep it as five years as I, I think that five years is more easier to plan compared to those ten years fifteen years twenty years, there is like five years at least is like a possible goals to save up, if I really arrange it


then I have to keep track of my spending, which is I find the best thing of saving is like keep track of what you spend, how much you earn then is like cut down on the which expenses is not necessary


that is easier compared to those ten years you have to plan more, then what type of insurance you have right now


(hmm) do you think that those finance saving plan is like able to help you, like uh control your finance


sure is like a control, currently like is, currently is like uh, you don't have a saving plan yet, uh right now I only have a those hospitality plan all that those hospital in case of emergency or what


saving plan maybe next time after my NS, then how long do you uh sign up the saving plan, like those ten years


do you think is reasonable to sign for, ten years twenty years those type of


so most likely you will recommend to just a safe those short run lah


ya for currently I will just plan for a short term, like maybe in future, like everything is stable and achieve most of things I want then maybe I can go for a bit longer term


right now right we still young is like, ya shorten is easier, and also there is a lot of things to do


uh not not yet, uh no, I only plan for saving for my house all that and drive getting a car, (hmm) right now I just focusing on getting my licence first


okay which thanks to this COVID it's keep on postponed , okay then uh, after I getting the license then maybe I can slowly save up by like I say oh like maybe using the method like for example I earn, a hundred per cent I just save up twenty percent each month


then maybe it's like, if this month spend ten percent, uh ten percent less then I can save up


yours is convenient wise ah


(hmm) CPF wise I do not read, uh bothers about it right now I just focused on, getting a job then is like CPF contribution all that, then it because is like in early stage


CPF is like, uh CPF is like uh only benefits me on, MediSave and also when getting a house at this early stage ah


then is like after that getting all those already then is like, when retirement, then you can draw out the CPF contribution is like, a bit, quite long lah so it's like not really a good thing


they shall maybe is like, I think that if it will be good is like ten years every few years they can give a bit of the CPF money take out, bit by bit not just, have to wait for retirement then can take out


yeah from what I know is uh you cannot take out the full amount of CPF lah, even though you retire you still have to keep some inside so those that retire already continue working right, their amount is uh still inside


and sometime you for some some of them is like I notice right some of them don't like CPF because they reduce their, deduct their salary


ya it does if I want is thirty five percent yeah it's twenty five percent, for some of them is like fine this twenty five percent is a lot, (hmm) current


is quite high to be honest, but, actually is high, high got good and bad lah, the percentage is too high think that maybe drop a few half percent, because right now you in early stage we need more


money compared to CPF ah, CPF is at is like, twenty uh thirty late thirty or thirty like that then we'll use until


currently I cannot see any benefit from the CPF lah, because maybe I'm still in the early stage


I think it's good to have the CPF lah which is I find is a quite a good things so it's like next time don't have to spend, quite a lump sum amount to get house all that, and you can use in some various important stuff ah like MediSave


yeah MediSave also come from a CPF ah which is a good thing good to have ah


finance independent is like is more you, it means a lot by like you have to, depend for yourself lah, in earning all that, then which is quite actually is quite difficult and


which I don't think some of them able to


by usual (mmhmm), but how do you, how do you (uh) advise those who, order to reduce their income tax


topic three negative experience


maybe I'm in lost like don't know what to do, afterwards since I having difficulties in life for that, during the school days for school days wise right is like


uh I have to, because I have a lot of weak topics lah then it's like I have to rely on my friend to coach me, on those weak topics, like really have to spend a lot of time because I'm a bit of slow learner


in those study point, that's why I will find someone ah to like, because uh I will try my I will first try myself then it's like, , because the more I try the more down I am that's when I will get someone to help oh


in school or maybe in your in your workplace, , oh just now what are you uh about to say


(hmm) , worry about in my current places


(hmm) more on finance oh I think, like everything because right now in NS it's like we're wasting a lot of time inside, it's like you have to find a stable job


afterwards ah cause, then it's like this the things that I worry about ah then is like also everything like start to, talk out like maybe, here and then need to spend


then that's the only thing that I worry about lah, they have to manage my, time, and also my schedule, my spending wisely ah, then do you have a time where you trapped or feel helpless


ever encounter before ah, then what is the most hurtful word that someone ever say to you that you wish to forget,


then how about the saddest scene that you ever witnessed


saddest scene that I ever witnessed is like, the, then is is like you have a close one then is like you spend every day you spend time with is like


guys like because life is short then it's like, enjoy enjoy the next day it's just that no no illness or what just disappeared, which I find that this is a saddest scene ah that I witness ah


but do you have a time that you feel that nothing you do is good enough


because it's like most of the time that, I do like to do things last minute lah, because last minute get more motivation all that but, which I felt there's sometime by doing this way right I felt nothing can be


done, to like not good enough lah, like always exam or what test is like, after get a result is like !aiya! I should have, did earlier all that, I have, like maybe revise for exam earlier


then like train harder or what, to get a better result lah


make me stress in the moment, (hmm) currently is like the upcoming NDP lah, because it's like this the first time participate in the world parade


it's like a country parade then it's like !wow!, is like you cannot do things, the wrong way or what you cannot make mistake is like you will be in on live, then is like all the camera will be facing you don't know how many people is watching it's like this is the I felt that this is the stress like


they is coming out lah, ya media all the high ranking officers


then all the the presidents will be there also then it's like everyone is looking, then is like I I'm in the front row, then I find that this is the stress ah, that, that you have I've to perform


better if not it's like, it's a embarrassment ah or something


then you know nowadays social media one one mistake the whole social media know


(hmm) currently no don't have anything yet, it's more on health issues oh like maybe health stuff, ya like, ya it's like uh those


like extra expenses needed lah like maybe dentist, like take out the uh do a dental surgery all that it's like cost a lot of, money is like I saving up, uh quite long already is like one time had to


spend almost half of my saving, for my tooth, which I think that this type of health, related stuff right is like, is the one that holy bad ah


ya it's like you saving so hard then instantly yes one of the important issues that you have to solve requires then straight away the saving gone, or maybe half of saving lah, it's like this type this type of thing is like very hard to avoid lah


those related you you may not know that uh at one moment you are healthy the next moment you have to go hospital for some shit, or maybe go clinic for some shit, yeah, I find that those thing is like that holding me back lor


from my goals and everything, how about you, (mmhmm)


, then like you mentioned do you have any stress right now


but right now you uh the negative experience right is like you so long never study already, you won't you fear that you won't able to catch up or what


to prepare you a bit lah like warm up like that, currently I don't plan to further study that's why never bother never really worry me out because I think that I


I won't be able to catch up since that, quite long never study already, it's like have to restart from scratch and requires a lot of finance ah which I think that, I don't find it, this type of goal yet lah never think about it


then is there anything that you wish you could change, but will never be able to


I can say that is more on time timing wise lah, it's like, everything I like the next moment things happen then is like !aiya! shit, why why cannot I like, uh do this do that


but in there it will never be able to, then what is the most traumatized incident you ever experienced in your life


oh that is scary, traumatize incident I don't have but, but I do have some stuff that traumatize me ah


it's like I cannot see surgery all that, it's like do you know doctor go for surgery all that it's like I will, feel weak, it's like the my whole body will have no strength all that when someone talk about those disgusting stuff ah


like those surgery those blood, like what cancer cells all that what, what happens if you have cancer or what, ya those type of thing is like made me feel weak ah


yeah not uh fear of blood and surgery but those body system stuff, bloody or those even though never blood all those surgery all that yeah


so maybe like go clinic doctor everything, that's why I will I will avoid going for hospital or clinic unless it is like not necessary


ya injection yeah


(hmm) sometimes is like no choice lor, (hmm) I also not sure how it got me but yeah this is the traumatize like


once I face this type of thing right I will feel weak, body no strength all that, it's like out of sudden this traumatize this type of thing traumatize me ah


then how about you describe a time when there things turn out not meeting your expectation


describe a time when I feel nothing, the things I like may okay from maybe take an example maybe it's like


uh there's a, exam coming out or maybe a test is like, although I study and tried my best is like, still unable to get a result I want lah, and it's like this thing is like really traps me and like made me feel helpless lah


then is like, it kicks me quite down for a long time lah, then it's like having a phobia to like ah shit, this topic again or I have to go this shit again it's like, lost the motivation ah


I lost the motivation to do things or so lah, because sometimes things have to be done using motivation or like, have a good mindset and it's like able to do things smoothly but


if you give it your best saying like really try hard is still didn't get what you want right is like


have this type of situation


yup what do you (uh) do is like when you face someone is like helpless all that will you feel helpless if you're unable to help them


topic two positive experience, eh, talk what about positive experience (hmm)


what is the nicest things that someone have ever told you,


(hmm) same too, I only know that the nicest thing is like, uh those like gather, like friends gathering at those special event this is what I find is quite is the nicest things


ya lah that's why it's like someone told you still it's like maybe you it's like someone say let's go, meet up or something maybe this is a quite a nice thing


thankful for everyone that uh that we go I hang out with is like uh, arrange their schedule, it's like everyone like arrange their schedule and find time to meet up


because everyone have their own, things to do is like very hard to plan all that, so it's quite difficult to meet up sometime ah


describe uh what is your most memorable travel experience you have


most memorable ate too much during overseas straight until go hospital, so far most memorable things it's like


oh that time I went to japan, it's like I find that, uh when I because it's like japan is very hard to get uh find those items because everything is in japanese


then it's like there is I random ask a stranger the stranger is like, took, quite a long also helped me to find those stuff, that I want to buy ah then it's like, she uh he she even get the her friend all that to help me find for


about if I'm not wrong is about twenty to thirty minutes in the store, which I find is like , a stranger that can afford to use so long to help you find it's quite, memorable ah travel experience


especially in japan


hate the most but love it ah, , uh, maybe running, ya maybe exercise


last time I don't really like to exercise or sweat, then now is like, I don't mind , to keep me healthy all that, , it's like everyday is like drew into me already lah so it's like everything is like I don't mind


and also is like, also ensure to keep keep my weight in check ah, and keep myself healthy this is the main point ah yeah as we getting older it's like easy to, gain weight and also a lot of problems start to came ah one by one


then what (mmhmm), what do you did, uh what do you


think that the best birthday present, what was ya what was your best birthday present and why


then I guess that also describe your perfect day ah, during the birthday day is the, described as your perfect days ah one of your perfect days, then what is your perfect days


, perfect day is like I able to use my own time to do my own stuff lah


we're, it's like don't have to last minute rush this and that, which I find that, this is the so called perfect days lah


for food wise maybe you can say that usually I will just eat what I want ah, then it's like this is the something that can cheer me up lah it's random food ah not, don't have a particular food


as in as as long as it's nice can already, ya lah basically how about you


then how about the moment when turns out better than expect


that is really unnecessary, ,


can say recently lah because I just took my IPPT then is like I thought like my push up cannot make it, that's you know uh the the NS those push up system is like a bit, haywire one, then is like when I do I push up it's like I thought !aiya! failed already ah cannot get silver already


then is like I this is the first there is like I just give it my all eh, turn out is like because I never train is like, for uh three four month because the COVID stuff then it keep on postponed, delay delay delay month after month then it's like we lazy to train already lah


then it's like we just do our own stuff oh there then until the next last minute say that it's like the day before just tell that tomorrow got IPPT, then it's like everyone is like ah, never train give up already cannot get silver cannot get gold


then push up cannot make it prepare for uh, RT because if you fail our IPPT right we have to RT is like people book out right we have to late book out lah, it's like usually we book out about in the evening


then if you have to do RT right you will have to book out like four hour five hour late, then until you pass your next IPPT which is six months later or one year later, then is like I do the push up it's like eh from then it's like out of sudden eh because usually I just did


uh thirty five ya about there then it's like suddenly hit uh fifty five then is like !wow! that's unexpected some more I never trained, yeah


then turn out I don't have to RT lah which is that's the unexpected things when I already prepared


most unique compliment, weird compliment, I don't so far is like, don't


one of the weirdest compliment is like out of nowhere, some, some random person is like, uh, thanks me for their, for the explanation lah because last time I work as a retail staff then is like I recommend this and that then out of sudden


this random person which is I think I uh sort the, product to him before then he's like he quite happy with the product is like out of nowhere , he just tell the manager that I recommend a good things for him then he very satisfied with it


I guess that's counted as a weird compliment, ya it's like out of sudden


then is like ya, I find it weird lah it's like out of sudden after working for so long it's like this this is first person and someone directly compliment to uh yeah, is I also don't uh don't really know that person well also


it's just just random oh then how about you how about you, yep


, , what do I love more ah (hmm)


I think I will most of time I will go with my pace then's like I try to get things done what I want [loh], there's like, having some patience to get things done


I able to work hard lor that's all like like hardworking lor I think, if I really want to get things done I will like really try it


(hmm) oh, then uh who do you look up to in your life, (hmm) like your role model and wise


my parents is like she'll be the examples I find that they always show me the examples although they don't earn much also, they like guide you step by step and also tried to provide, as much, as they can for what I to hit what I need


and always try to like although it's like, a lot of things to, need to be done, then it's like trying to help although is like, quite difficult lah, which I find it that they very brave and they are very amazing ah


then after so many years of supporting also, they still standing strong, which I find that, this is the things that I look up to lah


(hmm), , actually quite a lot of things ah, oh need I only know that recently is like, uh maybe I help because I have some free time, the recently is like help them since I got free time I just help out lor help out to


take over my friend duties, then, most of them most of the duties is like, uh most of my duties is like I cover for people one lah, then it's like they in, then they treat me for a meal


afterwards ah which I think that, this is a things that I appreciate for lah, a meal for a duty, it's like don't have to say anything they just treat me a meal after my duty ends


then it's like they also they also even take over my duties is like


not just treat me oh it's like sometimes I unable to make it right or even though because usually our duty for weekends right is like, twenty four hours duty, then is like uh they will although I just take over, twelve hour of their duty they willing to sacrifice the twenty four hour duty swap


appreciate I I appreciate ah


ya we so that's why I find that it's like the most appreciate things for the hard work lah, like everyone spend there everyone do their stuff, sacrifice their things, yeah, which is that is the most appreciating in life ah this I felt


there's a lot of happy moments lah, the most the most happiest moment in NS is like


that time during our training phase think is like is a, field camp for five days !wow! is a very tough, then is like everyone is struggling, because is like all the is raining and, and it's like muddy all that


then we like Kena, Penat punish all that, then everyone is like very shatter and they even though everyone is very shatter is like, they we still help each other out lah it's like


maybe someone else like the bag too heavy all that like slower, they still it's like able to help each other out, which is this is the happy moment ah which I find in the NS


uh where we start to came into NS all that it's like everyone is like a stranger, maybe through times a lot of things happened that's why it's like everyone start to getting together to help each other out, because I believe that most of the stuff right you cannot depends on your own self to solve


you still need to get someone to help, and find aids, like also definitely uh the person must be willing or auto a bit lah


yeah there are aren't happy moments there is a lot also


part one financial related topic, okay, do you think once you own a credit card


do you think once you own a credit card, why do you say so


no control in spending as in


okay but a credit card does lead, okay but you know there's you can set limit about it regarding it right


convenient wise as in, why why do you find it convenient like can can't you use any other card


retirement I'm think I think I'm too early for retirement yet to talk about that yet uh but okay let's I'm going to talk about uh buying card that that's more fitting so I think for me right I would buy buying the car right for myself I


dude I think, I would invest my money on , I'l put in few ways lah first firstly is just on, maybe on trading itself, and, and because I myself I do trades on Forex and also I buy uh saving plans on insurance lah


how about you


so right now in the post COVID COVID world right because uh in in this type of situation is there any changes in terms of your spending or saving habit


keep yeah, so basically is uh regarding because we are in camp that that's why you you do you don't spend much is it that's what you're trying to saying but you know there's online shopping right alright alright uh let's skip that


then for advices right what would you give like let's say if you know someone he is on debt right then what advice would you give then


sorry what do you want to read yeah uh because they're currently in debt then what advice would you give them


ya so it's basically like you know someone is in a debt right now but how do you like what advice would you give them if


to get them out of debt lah, schedule you mean finance is it


oh okay okay, understand


I think for me right the advice I'd give is basically cut down on unnecessary expenses first, the biggest uh expenses is what that is going out right now then try to the the, plan all the plan what uh what money to spend on and have a fixed a fixed deposit into their bank so that they can have a fixed income uh basically to put up a fixed amount to in to save up


and after that sorry ya continue can go on, ya you you can go what'd you like to ask


for me right like let's say if let's say if they got a credit card right, I would advise you to I will advise people to hold on to the cash they have and use the credit uh and hold on to the cash until


I would advise people to use the to use credit card first then after that, hold on to the cash in terms of uh when when, when in times of need and after that uh but of course you have to uh have enough to pay up at the end of month lah


of course it still have yeah, yup, yup


uh everything is calculated ah basically I if you're saying about the investment and all, because for for insurance wise is I just pay them every month and they they are doing it for me that one I can't I can't control the risk


but for my own investment wise I would uh put uh for that Forex itself I'd put a stop lost lah then , uh basically when it falls onto a certain amount then I'll, just cut it cut it off


saving future five years I go for a short term


five years time uh the the goal definitely and uh have a I have a certain amount to hit uh for me to aim at so that I'm able to work towards that goal for me my current goal, be aiming a hundred K by, five years time


then how about you what's your goal ian


yep I yep I agree, but uh definitely you have a goal work to work towards to right that's why you save, what type of insurance basically I have


I have a saving plan and also personal accident plan, able to help me as in my what do you mean


I'll definitely because they I have to pay them monthly is like those month those money you would never be in my bank, so I'm I I I can't spend it when it's not in my bank right, exactly so how about you you say you say is ya sorry


oh okay okay understand, five years, five years yeah, I keep I keep everything short because they said they're able to allow me to extend if I want it, to


so after five years I'd maybe the after that five years then I'll I'll think about it, (hmm) for me I I think there's no


there's not nothing called reasonable or not reasonable it's all up to personal some people want it to saved somebody some people want the money to be saved and earn some interest out of it so they go for ten years twenty years and after that they got huge sum back, or some people just want to keep it short and help them save in short term so that's why they go for five years ten years so I think there's no uh there's no such thing as uh to me lah there's no such thing as a reasonable or not it's up to all up to personal preference


then but for me I like to keep everything short, no I'd if it depends on what you want actually if the people are just looking for a long term saving, I would recommend them to get a long one ten to twenty years then after that they will get a huge sum back with not much risk involved but if they want to get a they if they like they just want a few short uh they just want they want to be have to me like me like that uh a short term one like


like want want a cash in a week in in few years time of course I'd recommend the short shorten one, then for yourself also you'd like to like to go for short term one right


understand so for yourself right because you are in NS so have you plan for your let's say I I know it's quite early but uh just asking if you have have you plan for your retirement


oh so how do you want to uh plan to buy


understand totally understand, so basically you're you're trying to use savings to get to get the first car am I right to say that


oh yeah, so then, for you right what are your thoughts about CPF contribution because you know in uh after that after your NS you still have to uh you have to go to full time work and you know there's CPF contribution regarding it right


you know that CPF uh contribution after after you got to work right so what are your thoughts about it


yeah


but you know that even after retirement you know after you have to like you can only take out bit by bit right


understand yeah that that's that's that's a


ya then how about you, it how do you find it, y- how do you find the percentage


yep but do you find yourself benefit from it or you find it like it it's something that, uh that won't


okay you you can't can't find any benefit out of it right now, but, find it like something that will cut your would would only be a head would be only be a cost I'd feel is it


understand, MediSave okay


understand so for you right uh let me, what do you uh what do you find yourself uh what do you find uh financial independence as to yourself, what do you find uh what do you what do you find the term financial independence means to you


so you find the term is just uh basically you just find the term financial independence is everything you have to rely on yourself am I right okay but uh okay I mean that the ya sorry you can carry on


reduce their income tax I think that's quite for me I find it uh if you want to reduce it


I don't think there's any uh way to reduce the income tax unless you earn lesser, yeah that's what I feel or maybe if you wanted it to be lesser, like I don't know but uh you can you can reduce it you can reduce the amount to pay or you can just use the amount to donate it to some charity instead lah


that's what I feel lah but you I don't think you can lesser the the tax unless you avoid it but is out is breaking the law on that


okay !wow!, topic three negative experience, so like, negative experience


do do you do you have an any moment like, you feel that really down, like you need someone to rely on


oh understand so


understand then is there anything that ya for me, for me my lunch, period that where I'm most


for me I don't think I have anything uh I always look, not much I don't I didn't experience such moment yet so I can't really can't really say much about it


then do you have anything you are worry about at at your current phases, do you have anything you're worry about at the current phases


yup your current phases which is the your current life right now lah


I'm I'm so sorry I got yeah, I think you shouldn't ask me about work, uh I'm I'm backward


saddest day since I ever witness is , like


accident right in front of me then the then that that that person died, and their family that their that their family came down and they were all crying so badly because, the children were so it were still so young and


the dad the dad is the one that died, they lost their pillar of support, then I feel that at the moment of time it must it must have really been, dep for them, the kids just lost their father the wife lost their lost her husband


so that's what I feel lah, that's one of the saddest I feel because death, is unavoidable, and it may it may happen to one of any of us and at any point of time, but


all all you have to do is like escape enjoy every moment we have with and treasure every moment with one another, then how about you


so basically is the same as with me the loss of life am I right, (hmm) yeah definitely


there's a few time that I feel, where I feel that a certain action that I did, that, like for example when I'm when I'm, doing a test I feel that, I could I could like during a presentation also I could I I I feel that I could


do better like some modes and miss out but I could do I could do better in this I will always reflect on a certain thing ah after I done and why I could do that, regarding what why I can do better in this like the some modes and miss out the I'm I using are wrong at the point of time


or, or even sometime, I didn't give the chance to give uh I didn't I didn't gives any chance for them to uh raise up questions


is something that you regret is something that you you feel that it's bad lah, then is there anything that, make you stress at the moment, , anything that you are stressed about


so basically the the people stares the media is the what that making you stress


that must be caught very stressful for it because you're facing, maybe media maybe your hundred thousands looking at you


actually uh unless the , even when you do mistake actually when the camera is on unless it's on you nobody would know lah, then is there anything that that holding back you from your goal


it's like the one that is make making you, making your money gone again


that the emergency cases where is unavoidable, but yet you have to solve it, what is the biggest thing that holding me back right now,


right now I'm working towards it so I don't think there's anything that is holding me back right now, if there is I would say maybe in a few months time, oh wait uh I


I, I thought of something that something that holding me back, which is NS also because I would like to uh further my studies in uni but yet I have to serve that two years you know, that's that's one thing that's holding me back


uh no actually because I still do some self study at home


like but uh what I feel is I I I learn things, uh I I've I'm I'm still I'm still doing some self learning at home so I feel that it it shouldn't be my much an issue, when uh going when going to uni and go back to my study life


yup exactly then how about you


there anything I wish to change , ya I would like to change, like, last time I shouldn't play so much game, I feel that it's a waste of time, then but it's something that I can't change but


at the same time I still I still learn from it, learn from the experience that playing playing games ya it's true that you have to play games some once in a while like, to like, to relieve your stress but I shouldn't, I shouldn't be so engross to it at the past


and do something more efficiency, maybe I can learn I could use that time to learn something new, or even learn a new skill


so that time is not wasted, and how about yourself, anything that you would like to change


so you regret that you, when I


was at home when I when I was a kid, and uh yeah when I was a kid I have a fear of seesaw because I put my leg on the seesaw metal part, and it, than the seesaw came down and hit and like whole yeah then from that point of time I have a fear of seesaw


have to still do some stitches on there yeah at the at the point of the at the at the point of times I'm I'm only like nine, so that's definitely incur some fear on me


poly-system stuff anything that is bloody am I right


oh so even even those normal doctors like, or you even fear of injection, !wow!, !wow! then how about if you then, if you have a wisdom tooth operation then would you go for it


okay that's quite big fear you got there but what what got you there, no I mean yeah, you know I mean what what got what got you


have to have that traumatic experience, that that fear one


oh okay okay understand so you have, you have fear of it but you don't know why you have that fear, i think you ask that right


why not lah why not is my turn to ask you describe the time where you feel nothing you do is good enough


understand totally understand


understand so you what I feel that what I do is what I feel that is not that anything I done is not good enough, err for me like I what I said previously I said err I would my certain actions but I would have a feeling that I didn't do enough but at the same time I'm also happy that I'm I get it over and done with


so so to me I feel I feel that like I've two experience on that one is I when I never do good enough but at the same time I still believe lah because I managed to finish that and didn't give up halfway


yup especially when I when I saw those videos of dogs and cats getting abused I I feel so helpless that I I'm not there to help when when it comes to that when that that thing happened, because I I feel that that shouldn't happen to them


okay positive experience


nicest thing that someone has, I can't remember that to me, I I don't remember I don't like I I don't remember words that well but how are you,


but that's not something that someone told you right it just you find this is like a, so you find gathering is a nice thing to you am I right


ya, okay then, what are you thankful for


so you are thankful for that they make they make time for you is it, most memorable, I think that one at thailand


at uh I went to a hospital, , because I ate too much, and fall sick that that was one of the most memorable


oh so if I if I their their, there're quite nice people out there, then do you have something like let's say from young what do you you something you hate the most as kid but right now you love it


ya like last time you don't like beer now you like beer something like that


you don't mind or you got forced to because you in NS


understand so basically to keep healthy, then do you have ya sorry you can you can go on


I think best birthday present is is there, but I think the best birthday present is uh basically the time spend with each other, and I feel I feel that that's that's one of the best that you can have it


that's one of the best I could I think that you can ever have lah because, everyone is there for you uh to celebrate your that moment with you, I think that experience is something that uh, it's one of the greatest gift that you can ever have lah


perfect days uh not really, is when my fits go very good


how about you what's your perfect day


do you have like something like a food that will cheer you up when you're sad then when you like eat it you feel happy


so what will cheer you up, so what will cheer you up is basically what you have on that what craving you have on that day you manage to eat it that will cheer you up, okay yeah


what're the what're the best food I think chocolates, ya chocolate is one of the food that maybe because I like sweet stuff and I find chocolate is quite nice but of course the chocolate have to taste good ah


anything basically anything chocolaty I I find it, describe a moment when things turn out better than expected is it


is like, ya of course when I exam I feel that I'm going to fail but I managed to pass it, yeah you know especially during my primary school I was so bad in math, and I always failed it, and that time on PSLE I managed to get I managed to pass it and didn't retake of course that's the best moment I have


of course it turned out better than expected if not I have to stay another year oh my god


is there a moment that turn out better than expected


oh okay okay


!wow! that's quite lucky of you, then do you yeah


ah okay okay so basically you don't have to stay back that's the good that's the main point , then do you have like, do you receive do you receive ever received and orders or most unique compliment


right


okay so uh, yeah that that that's quite cool, uh able to receive such uh someone is thanking you for your for the service that you have done to them


regarding the most oddest or most unique compliment, (hmm), regarding that, I also can't think of anything


I, I I really can't recall anything about it, , but okay that let let's skip that for now because I I can't really remember it and for you right what do you love most about yourself


so what do you like about yourself is basically you are able to


what I love about myself is I I like I like how I learn things fast


ya basically that's about it lah I like I I like I like the part where I learning fast because that that helps me that helps me a lot in everything I does


who do I look up to, I don't have anyone that I look up to but


I've, I have someone I have people that I admire which is my parents, because uh, even even though they're not earning much but, what what they are giving me is it is able to for me to survive in this


in this a place where I can do my own stuff lah, then and I'm really thankful for that how about you


understand so uh there're there're someone that you look up to where you're you can rely on them you can rely them on everything lah


because parents are the one that brought you brought you here lah, they should show appreciation then


yep totally understand, then is there anytime like because you know you said you you you, you are very hardworking and stuff like that right, so do you do you get, any this this is there any like uh times that where you get appreciated for your hard work done


like is there anytime that you got appreciated for what you have done


so in that way that way is uh what you feel that they're appreciating your effort that's why they treat your meal


am I right, even without you asking


oh understand so uh so basically you all help each other out am I right, ya I think that's that's what, that that that's quite fair lah


it's like the bonding is there right, is there any because in NS NS right is there any like happy moment that


like you all help each other out regardless whether you all are, uh through ups and down am I right to say that, I'm I'm pretty sure the the most then how about the one when you all just came into NS


I'm pretty sure that that's that's like the worst moment you're ever had right because


part one financial related topic


uh christ do you have personal insurance


oh ah I have a few I have the uh personal accident insurance uh life insurance uh and also some uh endowment plan for savings ya alright so usually what do you look out for when you are buying an insurance


uh okay normally I will look out for the uh the coverage equivalent to the uh amount that we paid every month I prefer to have a low uh contribution but then a high coverage, ya correct and you know usually how like what about the percentage of your income do you spend on your insurance


oh so how what how I mean you'd I mean all your insurance are paid by your medisave or


oh, I see I see okay yeah so do you think you have enough coverage currently


oh okay, but I feel that uh uh I mean like for my for me myself at my age now you know uh I think that uh life insurance is very important and also the coverage


uh for critical illness and all that because as you grow older uh you know you may lead to maybe certain illness at certain stage you know of uh certain age ya so


oh okay I see then do you buy like uh from only one insurance uh provider or you actually have a multiple company


oh okay can for me for me I'm actually ah I actually diversified because I feel that uh certain products uh you know uh may want I mean certain provider may be better than the other, in terms of coverage and also the uh you know the monthly amount ya so like for my for my like you know I I actually use AXA for life insurance then I use AIA for investment insurance and probably I use it Prudential for savings endowment plan that kind of thing ya


yeah so uh what about yourself do you have a savings uh endowment plan so call uh you know in with one of provider


oh because I think endowment plan uh I mean normally those endowment plan from uh insurance company they actually uh sometimes can have a higher interest rate compared to uh, to the banks you know uh nowadays banks rates are not very high unless you have a big amount to save like for fixed fixed deposit and all that if not then you know usually ya so uh in terms of that and also the other way is that uh is it will lock you down by uh


by not able to retrieve your money, easily to take out your money easily so that you know so you can save for the next five to ten years so I think that would be good maybe you can think of that


ya they have a very short they have short ones now so I think you can actually look at that, ya so you know yeah so uh ya okay so what about like what what do you think about agents you know how do you feel like for them to approach you uh to buy insurance


uh normally I I think a good insurance agent would probably uh someone who will uh time to time will actually uh call me or text me and ask me you know , do do I uh I mean do I need upgrade my plan in you know also introduced new plans to me and and all ya but of course but I don't like someone who actually


uh like call me every month you know ya ya every month alright, correct ya correct, and then I don't like I don't like pushy agents because you know and they they they quite hard sell uh you know their products which is something that I don't quite like so


oh I see I see so I mean uh so so far recently do you have anyone who approach you to buy uh insurance


I see I see so I mean uh have have you uh have you thought of uh getting investment linked policies


!huh! I mean you are using CPF or cash CPF also


oh I see I see