uh like these kind of things like will be able to help me understand so uh as much as being financially independent uh I still have a long ways to go lah let alone by uh thinking about retiring retiring early


so, ya that's my views on that, uh, but I would definitely want to, uh try to retire early I don't want to spend like all my life working


but how do you know but but what job will you work, to allow you to enjoy


for for me I guess is like uh I'm like for my I'm thinking like to pursue some marine biology job or maritime job so that like cause I do do diving outside lah quite a


a number, so I think it'll be quite an interesting prospect, but uh with whether it is feasible to, do in singapore is another thing as well lah so definitely a lot of planning, and uh testing will need to


uh will need to come into play lor, so I, ya, it it really is ah, it really is is one of the things that I'm looking to do but even if I cannot be like maybe a marine biologist I guess I will still want to do a maritime related job


so maybe like a ship's captain lor that kind of stuff of ships, ya that's why so like uh probably will need to like think, I would need to uh slowly think about it lah, this kind of things


yes so uh, , like personally what do I feel about uh, CPF contribution I think it's a very okay lah like when I've been working like part time jobs then they take away like what how many percent of my pay I feel quite Sien lah but then like


but then like despite that like uh I know that it's for the future so like next time maybe uh, uh there's medishield, and uh other healthcare plans, that I can use lah I can use CPF to pay help pay for some of the


uh, the bills that I might face in the future so I'm just like, uh, so I'm just like slowly thinking and just trying


definitely lah it won't it won't it will never cover like every single, aspect but then it can like, at least assist lah it's better than just maybe leaving it, up to uh leaving it up to, uh in your bank or spending it on something else lah


that is not as useful, so I think it's still a pretty good decision by the government lah, because a lot of people don't really, plan for retirement sometimes


I mean definitely loan sharks is not a good idea lah to borrow, it depends on the size of the debt lah I would assume, I guess you can reach out to


fellow friends and family first but if the debt is too big then, might have to take uh bank loans and all that


but as always I mean there's, some of them are like is forced debt lah but regardless you shouldn't like, uh , entice yourself into ridiculous activities that sort of


eh, so I guess for me like uh like in a post COVID world like what changes did I make is uh, uh like I didn't really I don't really spend a lot like typically like I don't buy I mean I used to buy a lot of clothes and all that sort of stuff but now recently I don't really do it as much so like uh mainly I spend on maybe like


like subscriptions such as Netflix the Apple cloud, and Spotify lah so aside from that I don't I didn't really spend much because most of the food is homecooked uh at the very most maybe just go out and, like uh


uh spend some money on like uh the nearby food cause you need to Tapau lah


I guess I did I mean like aside from those expenditure I did like do like a book course online which I had to I had to pay like a few hundred for it and I also like ya I just spend like I made like a few


uh purchases lor, like uh, like to keep myself entertained throughout the CB period


anyways so (hmm) uh, what, do you think you should own a credit card for credit card uh I do understand there's like it comes with a lot of benefits uh but I mean self-discipline lah so you shouldn't recklessly spend and you should definitely like track how much you spend because I understand that like if you overspend


uh you can incur quite a lot of credit card debt, lah so for me I I have no need for it because I don't really make many big uh large purchases purchased for myself cause like I mean like I said I don't have a stable income yet lah but uh possibly in the future I will


probably have it uh because of all the benefits but definitely I will regulate myself lah, and uh we should, uh I guess like for credit card benefits like


they do give you like a lot of uh, bonuses I guess, uh it depends on your credit card lah actually like you there's sometimes there's like uh, uh points so like the like the more you spend on the credit card then uh you can uh get more points and you can use those points to redeem sometimes for money for air miles that sort of things lah aside from that like like other credit cards you can have is like uh


like , okay mainly is the air miles and like bonuses that sort of stuff so like uh ya there's occasionally cashback and all lah so, uh, like if you if you are a big spender online and like I mean obviously you need capital lah


uh then I guess it will be more for you


okay so last question how do you invest your money to accumulate your wealth and plan for, retirement I guess it's save save save yes that's what I would say, save and uh try to find a stable income


health is very important


negative experience in your life, okay so


!wow! there's so many


what is the saddest scene, witness in person or online


I guess saddest scene was like, uh you know funerals that sort of thing so like uh it was quite heart wrenching to see like uh when my grandma passed away then uh basically the my entire uh maternal side of family they started crying and I guess it was very sad


because like , like even though I wasn't very, too close to her like I really treasure my family a lot lah, so, like it was a bit hard to it was not a bit lah it was very heart wrenching to see like, , uh them cry and sad


so, yes I guess that would be the saddest scene I've ever witnessed


okay so, let's see err describe a time when things did not turn out meeting your expectations, let's do that


you can go for it, sorry just, so please go


I have no idea you were talking


I guess so for me so a time when things did not turn out meeting your expectations so for me I am quite a simple man I I used to like clubbing quite a lot so so uh


like I wanted to join a hall, uh, to do some deejaying CCA lah which was really cool lah I thought it was really cool but like uh, there were some factors that didn't really like I did try for it I did like research I did like uh think about like some songs that I wanted to mix and all but it was it was quite uh devastating for me like it's quite I don't know why I


I was so sad over it as well like I think it was like one of the few things that I really really wanted to do, and try and I really set my expectations very very high like I was just thinking like oh you should be quite alright to get in and like I've seen my friend like having so much fun in their CCA so like I really wanted to try and I've been listening to a lot of like


uh, electronic music since I was quite young lah especially when I study I'm like I'm like always the guy who likes to dance in the in the club or like even like uh, like, play music for my friends when we gather and like even in library when I'm studying always play like uh a lot of EDM and


like, uh music lah because like I really enjoy uh listening to music, so like when I didn't get in I was it was like I went through a breakup which is like it was a bit absurd absurd to a lot of like a lot of people will be like !wow! but to me is like like !wow! shit I why did I join this hall for like I could join any other hall but I chose it because of this


and like there isn't like much reason for me to stay anymore so it was like really it was really quite a sad stage in like my hall experience because like , like I had I felt like I had no more purpose being in that hall so it's like ya that was really one of the


time when things did not meet my expectations but then, guess what so oh wait no this is the different , this is the different, thing so ya ya but I guess it


aha so luckily like I did manage to bounce back a little bit so like my one of my neighbours was like inside a deejaying CCA so he took his time out to teach me which was which was sweet but I wasn't like part of the CCA still so it's it still kind of sucked so


then like uh like I always like asked asked to go, to the room, and stuff like play with the deejays there then like even when some of my science friend came over they they wanted, like they were like oh let's go to the DJ room then I was like I don't know if I can't then I ask and then they are like sure let's go then I got to play with it a little bit more me and my friends have a good time like jumping and like I mean they were screaming lah like my friends are a bit Siao one lah sometimes then


ya really like some good memories lah like even though I didn't get in uh like I still managed to bounce back, uh in spite of that lah, I mean ya I guess I understand what it is right to really want something because I didn't really I guess I I could have put in more effort into like wanting it like maybe I could have bought like a DJ set which I recently bought uh I guess I could have


done more research and maybe like made more connections but regardless I probably am gonna try again next year because I do know the head so this time maybe it will be different lah, yes


bounce back, oh no you first so


okay anyway so I guess I will, I guess uh,


what is , yes uh I guess one thing, that uh I wish I could change, but never will be able to lah, is probably like uh


what could I change, I guess maybe I would want to change something, like, uh probably , some weird thing lah like maybe global warming or something like that okay wait uh maybe not global warming lah but maybe like uh


in particular like my family, like I really wish that my family could be closer because last time we used to like uh do like like my brother used to bully me and all so then now it has lead to a bit of a


stressful relationship between him and me lah so like uh I really wish I could change that lah so but not say I would never be able to but it'd be very hard because like it's sort of like embedded within like


uh something, that I want to change but I don't think it'll be very very, easy to change it's gonna be very hard, !aiya! so , what is the biggest thing that is holding me back from my goal


my goal right now is as much as possible to explore, and, uh really try to get out there and, really experience like as many things as I possibly can lah because like I really want to like try working in the maritime industry because I really do have passion for


the ocean uh, and like uh, diving and stuff lah so like like I really do hope that I'll be able to, uh, uh achieve my goal I'm slowly working towards it lah in uh getting


uh to, my maritime job I guess, uh but I guess the biggest thing that's holding me back is, I don't know uh pressure mainly pressure to do better in my studies


uh like cause, you know like asian parents and stuff lah like we they really want us to do well for studies, like just do studies get a degree then maybe we'll find a job or maybe advance your PHD that sort of thing so like like it's really is I wouldn't say it's like holding me back from my goal I understand the rationale but it's like


like I don't want to end up like doing like this sort of like nine to five office job, then I'm really like working myself to death chasing after paycheck after paycheck and like, uh, just working to make ends meet


and like , I think I would like want a more, not say abnormal lifestyle, I guess I would want to live like, , not say uh, uh I would want to live more of a


a lifestyle that I will never regret so like I don't want to be I don't want to live like uh, in the future then I think back oh damn now I'm too old to like try smoking, uh


I'm too old to like go to the club to old to go to the cruise no time I want to be able to, experience all of that lah so, like that is really like, it's holding me back from my goal like definitely like, uh, trying to please my parents while trying to battle what I really want in life lah so like I guess that is


like that is the main thing that is holding me back lor, so ya, what about you what's the biggest thing holding you back from your goal


that's that's a long while ago I was talking about, okay yes there are go on continue


so that like I mean a lot of like hwa like I guess uh accredited schools like people in from there like they got into the UNUS lah is it


positive experience in your life okay yes so, !wow! , positive experiences so


let's, start so what am I thankful for I guess I guess I'm thankful for being in singapore, and uh really enjoying like the safety that we have leh and all the opportunities that we can have so like we can


uh you can, study you can uh go work and it's all within like a very safe environment so like it's very it's a very protected city lah so like uh it's very I'm grateful for it because maybe I'm a bit


uh uh how do you say, more like uh well to do-ish that sort of thing so like I really uh, I I I I get to go to a good school, go to university that sort of thing lah so uh it has really provided me a lot of good opportunities


and meet, uh people of the same light lah which I really enjoy, so yes thank you singapore


uh what what okay something uh what did you hate as a kid but now love as an adult last time I used to hate, all foods containing chili !wow! it was it was so bad like I couldn't even eat like


any chili, so like I was really quite a bummer for me like all the spicy, food, until like one day I went overseas with my family then uh I was able to like uh start eating spicy food from then so then it was really


uh it was really a good thing for me lah I really enjoy it, uh eating spicy food from after that so ya, so now I love spicy food like #ma la#, curry all this sort of stuff !yay!


so do you hate meat now, (uh huh) you didn't answer the question answer the question


!wow! that's so, I guess it will be my twenty first, when I had essentially like a whole weekend of celebration for me


which was which was fun lah I mean but then I I did plan everything but then like my friends were really, uh, how to say Ons to like uh join in and like help me celebrate and even like help me set up all the party and all that sort of stuff lah and like


and everyone really enjoyed themselves like the first day we we I had dinner with my family and of course I went to a club uh then then my friends, my, my friends enjoyed like the night I I assume lah if I remember correctly then uh


the next day we went to, uh, uh check in at a hotel then we set up uh for the party then that's when all my friends came again to sit eat good food and just like enjoy lah it was it was really quite a nice occasion


uh then the next day uh after checking out, uh we went to a chalet uh that was and then this one was strictly for family lah so then like, uh throughout these three days uh like what it was very tiring but then like it was it was nice lah to see everyone uh gathered and enjoying themselves lah so I think that was really quite a good birthday for me so that's the last year


that is not my birthday anyway so


I don't look to up to anyone in particular because I feel like everyone's just trying to find out like what's going on in their life so everyone's like very uh just in this journey in their own self to like find out like, like whatever they are doing lah they're maybe they're doing it just for fun uh maybe they're doing it uh to pursue something else lah or maybe they are just hustling there are so many different people lah so like


uh for me I wouldn't say I look up to anyone in particular I guess I look up to those people who maybe have like more discipline than others in like trying to, achieve their goals, like if they already have a particular goal in mind so example like maybe people who really want to get into the academics field or I have a friend that is like uh he's very he really loves animals a lot lah so he studies really hard


for his uh vet course so he can so he can do uh he can go overseas next year to study uh in australia that sort of thing so like I I respect like his decisions and stuff lah but for me is like uh it's not


like for me I guess I will take a different path like I may not be too good in academics like compared to some other people and I have like a high propensity to, uh, decide to do spontaneous things with my friends lah so like that is like clearly not very academic directed so like I guess that is my direction like like I know I understand that everybody has a different journey so like for me is I respect the people who have like discipline because I do not have the discipline


so ya I guess


okay so, describe one of your most memorable travel experiences, because I will top it definitely go


so for me so I I do teach diving uh here and there like the especially before the COVID before the COVID period lah so this is one of my extreme like craziest memories like of my travel experience so like


so so I went uh to this island in tioman to teach diving and it was my first time on that island but my boss decided to trust me for some reason first time on that island and first time leading a solo trip which was insane lah so the first day went really well all the


students were quite pleasant and stuff, so like the crazy thing was when it was like day two, so day two we woke up we went for the morning dive, uh like like uh, first like within like thirty minutes of the first dive one of my students like she suddenly pointed at her mouth regulator when we were underwater like ten meters underwater then she was like she was like frantically gesturing eh help help then I was like


what what's wrong she pointed to her regulator then I was like okay but I still don't understand then after that she took out her regulator and then like like her her breakfast came out lah and I was like oh my goodness, I was like oh my god then I was like okay I immediately told her to like go to the surface and like she wasn't feeling very well maybe a bit seasick so she got to rest on the boat


and then so after that we went to like we went for another dive in the afternoon with the students still resting on the boat lah so apparently like uh when we were diving, uh halfway around this uh island called soyak lah like very small small rock like when we were diving like thirty minutes


I mean okay yes it's a it's a rock it's like it's a very it's it's not even big enough to be an island so it's like a rock so like like this, this uh like thirty minutes into the dive suddenly like like it was very calm then suddenly all the fishes start turning one direction then they started swimming then I was like what so there was like


there was like a huge current there was like a wave of currents suddenly coming so then and I was like okay something's weird so I put my students at a rock then I got, at a rock like to shield them from the current so then I went to do like a surface drill with one of them so when I got to the surface then the student pointed out to me like behind me uh there's something behind you then I look around then it was like a


huge like water spout like just fifty metres away which is insane lah so it was like and I can it was so like cool lah you can see like the water droplets slowly being sucked up in like some it looked like a tornado ah which is like !wow!, it was so crazy and then I was like I was a bit worried for my students so I told him to go down but since I saw like they were all doing fine like apparently it wasn't like very deadly or anything because there was no current so I got each of them individually up uh safely lah


then they got to all see the water spout that was just forming right beside us which was !wah! that was !wah! that was craziest moment of my life lah I wish I took videos, ya, now it's it's a good it's a good thing to keep in your memory because I cannot remember I cannot remember like how exactly it was but it was absolutely


insane very one of the most memorable things in my life lah, yes alright, so what is the oddest or most unique compliment you ever received


I also have go go


so you are a so you are a you are a good dog !yay! , okay so like for me I guess like what is the most unique compliment I have ever received was, when I was just like chilling with my secondary school classmates then one of one of my uh friends who is a girl suddenly like looked at my face then I was like what what is going on then she was like


you have very nice eyebrows then I was like what that was so random of all then I was like okay !wow! thank you I never knew they keep on asking me whether like was it ya I thread my eyebrows but


apparently guys said it also some of my friends were like oh that's pretty good then I was like what then I was like okay interesting I've never thought about it


financial-related topic


I would say five years ago I think I would actually probably work more but I'm I'm a little bit young to work ah so uh that's a little bit diffficult


I think I'm saving a lot, ah maybe and I didn't spend much either but I should maybe, you know look into investing or, spending wisely


or what is like necessity rather than wants, but I think I'm doing a pretty good job right now so should be fine okay, should I get a DIY financial advisor to plan my finances


well uh


my financial advisor is my mum okay, to plan my finances honestly right, save as much for education that's that's about my, plans for the and if I have my own external work I will


probably just put it into my like half, I earn this amount of salary I will just half into personal spending and half into savings so that's my foolproof plan because I don't spend a lot anyways let's try question ten what do you think of


financial independence retire early, how can one achieve financial independence


(hmm) interesting well I do think, I have not thought about that at all, because I'm very young I don't really think of retiring early and hopefully financial independence


that, is that sounds that sounds like a plan, I I actually, , will try to be financially independent in some sort like personal spending but my maybe like taxes insurance


a lot of things to think about I don't think I can be financially independent, in the next decade or so I mean I will aim for the next decade or so a decade is very long yes so I'll aim in the next decade to be, financially independent but retiring early I don't really have a


problem with that because I feel like I will enjoy my job so I think I can just work until, I'm happy so I'm not entirely sure I'm not I'm not


sure I think I'll I don't know I think, I just I just enjoy doing things so like if I work I mean I I relatively can endure studying and I and I like most of the environments I go into


so if I don't like an environment I'll probably not, indulge in it or invest in it too much and then I'll just like you know look for an environment where I can thrive that's right so I'll just you know go into environments that I can thrive and then like


wait really sorry


I think it's cause


sounds interesting ya alright


ma could you


I think the CPF hor is not is not too bad but I don't think it can it cannot it can't cover a lot of things , it can't cover a lot of things but uh I mean I don't think it's sufficient to cover a lot of things but it can you know pay for healthcare and


yes, yup, okay but if I'm not wrong, if I'm not entirely wrong uh the government uses our CPF contribution


to put into and invest into Temasek holdings if I'm not wrong and uh Temasek holdings SPD uh not not a great reputation you know they invest uh in their, own personal stuff, I think that needs more transparency


with regards to like uh, how they use the CPF contributions because it's that's kind of like, may or may not be why they shift the uh the withdrawal age for CPF


to five years back, which is a little bit shady because, if I'm not wrong they invested wrongly or something happened and we found the investor in Temasek holdings so


you know I guess they do have to be more transparent with how they use the people's money but it's a good, it it it's a good plan because like singapore is relative relatively transparent anyways


so shouldn't be a problem as long as nothing goes wrong, alright uh let's, what advice would you give to someone to get him or her out of debt


don't borrow yes don't borrow from somebody who's gonna give interest, not a huge interest


but banks also have very big interest rates for borrowing so that, oh yeah definitely


do it responsibly please don't you know keep doing your, debt occurring habits, it's uh, if and you have to manage your life because you gotta be responsible you can't keep borrowing and living off other people


yup that is not ideal but, , ya but some people are stuck in unfortunate situations also lah, it's a tough world


cool, next T


should I go first alright post COVID interesting I'm actually, I mean I wasn't spending much before uh and I actually had the opportunity to you know, uh


teach online so that is a source of income so I have made one or two purchases online which is higher than average, but, I think relatively the same because I'm


in a very stable financial situation, and I'm lucky enough, I'm, yup yup


I feel like a lot of people will be more like , okay if they're in a stable financial situation and they're not business owners or SMEs they're struggling they'll probably be more like free and easy with their money because they're like oh I restrained for three months and then they'll just spend


so economic rebound may happen because they're gonna be spending a lot but it depends on the mindset and the people


book course yet to be found , yes I think the the education like


masterclass and stuff like that you know that's the biggest thing I spend on other than that pretty low on expenditure, yup okay


to what I think


what are the benefits of credit card


nice, ya I also don't think I will spend that much because I'm that stage of my life where I'm


interested in things or I don't think I'm very interested in spending lots of, minimal to necessary spending, so I don't really think I need a credit card, uh in the near future, and I don't really know how to manage it either way so


I'm I'm good without it maybe I'll just borrow my mom's credit card for grocery shopping, alright let me let me let me see


retirement ah damn honestly retirement sounds like a little bit boring, why not just live now worry later I'm kidding of course you have to, prepare for retirement health expenditure is very important I think that might be overlooked into the future so let's just try to


you know look into health insurances and, (um) to cover your external costs and that will definitely help a lot


negative experiences


okay let's start with this one, saddest scene you've ever witnessed, scene, scene saddest scene super deep


yes in person I would say is best, if not online lor


uh okay other than that one, there's a lot of sad scenes I guess oh , I'm scene ah, if I'm talking about like friends I mean like you know when they're sad and then they cry and stuff like that is like really sad


and family when they cry I think uh more interestingly would be when I see like strangers that I don't really know and they like break down in public and then just like really heart wrenching because nobody is there for them at that moment, and I don't know whether I should be there for them or no because like I'm a stranger


so there was actually okay there was one, there was two instances one was a little bit like humorous and funny so I'm not sure if it's appropriate, but it's like a girl she was on valentine's day it was valentine's day I was just going for tuition and then she came she was all dressed really nicely


she was dressed super nicely and then she came out of the toilet crying and I was like, that is a little bit sad that is not, the extreme kind of sadness but the second one would be probably like when I was a, when I was a secondary school student


we had to go like around the block taking surveys and stuff like that lah so I mean when I'm a secondary student I like don't really know how to interact with, people or strangers probably I guess so I didn't really know how to react to this but then we were just taking surveys and then we asked something about uh we asked a migrant worker something about his like friends or something or the other can't remember what the question was but it was quite


his response was really sad because he started like he was just lying down on the bench and then we just like so can we ask you a few question then he like spoke in broken english and then he like teared up and said like there's nobody that I have, in this place and everybody is like


like terrible to me and I I'm just like I kind of want to get out, and like, it was damn real and I was like fourteen and I was just like, I don't know how to respond to I don't know, how to do anything I don't know how to be there for him and I there is nothing I could do and then he was just like


like he just he just like said like oh there is literally nothing I I don't have friends here because they're, they can't really talk my language and uh ya lah, so he was just there alone and it was and might be, ya it probably is scary like maybe something happened at home and stuff like that so like a lot of things were like running


through my mind but I really didn't know how to respond so I only me and my friend could only like turn away and be like, like leave him be sad because he didn't he didn't seem like he wanted to talk anymore, so ya that was really like, heart wrenching to not be able to do something so that was


that was that was really sad, I think, ya that's why I think like I am so focused not not just that, but like my friends who experience, stuff also so like with all that right I think that's why I I like want to cater to like the overlooked people in our society there's so much gaps in it so I think that's quite that's emo yup


go for it you


so many things , so many things cause I'm an artist and everything will turn out not meeting your expectation, so , okay so like you know when you do art


you have this beautiful picture in your mind, this is just day to day life thing it's not like in one important moment in your life so like you know when you do art as a dancer and as a artist when you do art there's a one picture you imagine, in your mind okay I wanna achieve this


and then you try and do it you try and execute it and through your own ability you cannot, you cannot because it's simply like, it's either too ideal too perfect you don't really know how uh you don't have the ability to do it you don't have the resources, something like that so like maybe you paint the picture it's not pretty enough i'ts never pretty enough


it's it's always like that like mitigating the expectation it's not , , I guess I would say I have high expectations most of time, unrealistically high so I will always like mitigate, the expectation, the ideal and the reality like


is it like livable if not then are you gonna do something about it so, ah like, so if the if the art is not good enough then I'll probably do something about it if not, I'll throw it in the trash or just live with it all and then like you know if


there's if there's uh something let me think err where was I if, okay no if the okay if the art


was I would say if the art is like, people say oh it's so good and then you don't think it it's good you know it like teaches you something or the other about accepting, the raw beauty of it even though it doesn't look ideal, ya thank you


guess what, what, guess what I'm interested to know now you put up the suspense you can't just skip over it I wanna know now


that's so sweet, uh but it's


it wouldn't have you wouldn't have those memories if you didn't get rejected


yes, yes, I can relate cause same cause yale NUS rejected me, ya, eh no but I can I can relate okay cause


as in mean like you can't compare like you can't say like oh, oh the phone the computer has died brother the computer has died


biggest thing holding me back from my goal, I don't have a lot of long term growth which is a problem that would probably be the biggest thing that is holding me back because I'm rather indecisive so, you know lots uh


I would say, I have yet to decide on what my solid end goal is, I probably will find out you know in uni , I feel like closer and closer to it every day


but, biggest thing holding me back is that like I feel like I'm it might not, be it might not be true, but like I feel like,


there's this one university that I really really really like it's part of my goal like it's like, like my heart like is drawn to it and like is, like there's like a calling lor so like , in in going to that university as dumb as it sounds


ya so I think I already uh like, is yale NUS ya, so like there's a lot of things, that like I learned from that and that's like when you go there and then like when I learnt about it and then like like there's the energy that you cannot explain kind like then


I feel like !wah! if there's something I really want then might as well go for it right so I think getting rejected by them was also quite devastating so I relate to you on the DJ thing because, ya, ya but I know


, ya so that is one of my short term goals like getting into that university and, I may try next year uh, I would say it's just like my current level of of experience and of experience of life and like the fact that I go to like


like not so on schools I would say, uh where the people are more low key and they don't like have like school initiatives even though I started one school initiative like maybe like in #hwa chong# or in RI there's a lot of people who are very hands on and have a lot of experience doing school initiatives


and like I'm currently in contact and learning about all these things right now so it's very interesting because their organisation is very interesting they have a lot of experiences because simply because, they were in the right school, they have a lot of experiences and resources and connections that I didn't have


, so I think it's good to, I think current level of experience and, like connections is stopping me from getting what I want to generally be a better person and make a good impact into society


I know one or two, I know one or two but I wouldn't attribute that to yale NUS, I think I have two like general goals one is just a generally be a better person and impact to society I live in in a good way and second is to get into yale NUS yale NUS is my ability that or my experiences that probably lead me to like look


less than good in, the, admissions officers' eyes but the second thing to be a better person also has to do with my experience and connections, so, yes both would come together and impact my


positive experiences


patriotic


I'm thankful for everything almost everything I think uh family and friends super thankful because they're so sweet super, and never ending support and feedback and like a lot of a lot of things to be thankful for lah because


you know they they always give like their advice their life experiences their support and is usually doesn't come at , with with with the intention of, paying back of course we are we are so blessed to have them uh we have a very very very very tight knit uh


friend circle social circle and you know they're always, supporting me and been so sweet uh and you know my family's best !woo! and, obviously I'm born into this like, uh, like level of income very very thankful for that because like I don't really have to


experience sort of things or hardships that like my other friends may have to go through that is, a unique experience that not a lot of people get to enjoy so, ya and also my education background and you know ease of education what would I do without learning you know


!yay! alright oh that's


!yay! !yay! !yay!, !yay! sick alright, what for me (hmm) hate ah


I don't really hate !hey! I didn't hate anything okay I think I did I was very picky with my food and I didn't like vegetables, and guess what now I'm a vegetarian trying to be a vegetarian, !whoa! big, I I don't hate meat I love meat I really love meat


what did you say as a kid I hate I hate vegetables and I hated tofu and I hated , I hated mango and I hated durian and I hated uh literally everything I eat now like brinjal,


apples I hated apples, I couldn't eat apples so, everything I hate now I think I I just I just give it like second third shots and then I was like okay okay everybody say it's good so like you know try to see the good in it and I like


now I can eat almost anything so I think taste is a very acquired thing as long as you like uh open minded enough to try enough of it, maybe you just tried the wrong, right like maybe you just tried like a bad apple or maybe like a bad


badly seasoned, Mapo tofu, you know you just keep trying maybe in one day you'll like one of it, ya and then like I found so much variety of food, , like as like while eating like, indian food like uh and mexican food and like all the all the stuff that vegetarians eat I was like oh my gosh yes


it's pretty easy, so tada here I am now, now, and I used to not care about my health now I care about my health so yup, lovely let's let's do, number one what was your best birthday present and why


oh damn okay ah , I wouldn't I would say the best birthday present was not an object it was an experience, so uh my homies my friends uh really gave me


a very good experience last year and this year and you know every year I live but like, past year it was especially memorable because they , you know pulled a few surprises and like


uh one of my group like my frisbee team they didn't, like we weren't especially close or anything like we were just getting to be quite close, and then like suddenly like they threw me like a huge surprise I feel, and it wasn't even my birthday it was like two days before my birthday so I was so shocked


I would have cried on the spot but like you know there were a lot of people so I didn't cry ya but it was really funny they like pulled some pranks, like I'm not gonna say it because it's quite it's quite gross to say so but it was really funny and then they poured water on me and stuff like that and then other and then my friends afterwards like


they tricked me and they were like oh no I'm super so uh like oh no I'm so underprepared for was so underprepared for a birthday and it's like oh no it didn't arrive yet !huh! then like we got her cake that I think this is on accident but like they got me coffee cake and I still hate coffee so , like I was like I don't really want it let's share with everybody so it was like fail all the way until like seven PM and then they were like oh no I'm kind of injured can I go back to your place then bam !whoa! huge celebration


so it was nice it was so sweet, and then I I think I cried ya I cried so so sweet, the best birthday was an experience


!aha! self conceited


of course like a preconceived notion


!yay!, !yay!


happy birthday , okay so okay okay okay let's use this one what, what who in your life do you most look up to and why


!whoa! do it go for it self love


that's so sweet


nice okay (hmm) who I look up to most most is hard I also agree because I don't have like a single person I look up to I look up to a lot of people but like the opposite is I look up to a lot of people because


uh I think everybody is very admirable in their own way, , I would like to say I would love to give credit to my mum because she's pretty inspiring and you know I think works damn hard works super hard


uh and doesn't really complain a lot and is you know, a woman self made woman !whoa! , really admirable other than that and she takes care of people a lot and stuff like that so a lot of


super thankful to mum and super inspiring, and I think I would like to be as hardworking as that but other than my mum, it's very obvious because she provides me all the time, uh other than that I think I look up to most people who are like generous and have


like a sense of humility even though they are all amazing people they're just very humble and I'm just like, you're a beautiful person thank you for existing, ya ya, so I I think I look up to a lot of people in different aspects like every single right


everybody has something admirable, !yay! thank you, oh you go first


no , oh no I can't okay , !hey! okay that's not fair okay I only have, uh, family uh


uh overseas ya so I only have family overseas trips and I haven't I haven't gone overseas with my friends yet because COVID but it's okay, uh most memorable there's a lot of memorable ones


ah it's very hard to decide because it's like good bad I think the one of the one of the most memorable was like japan, and then we got lost because I gave them the wrong, I don't know why they trusted a ten year old kid with directions in a foreign country but they did and we got lost in japan and then we had to walk a few kilometres in the snow and it was very fun


because we found the ice cream shop that I wanted to go to and it wasn't that good but it was fun ah and then my aunt fell into the snow oh that was fun, ya


oh ya eh that's not fair okay


!huh! , oh my gosh, oh man that's so funny


it's a small rock but it's called an island


!whoa! that's wild leh, you put your students at the rock


sick insane, !wah! that's damn cool


no live in the moment


authenticity, sick, !wah! oddest


ha, okay I got it already, tell you okay my friend, who just started to know me on a overseas like VIA trip, like we were in vietnam and I was very I'm I'm a very excitable person


so he turned to me and said, eh you like dog sia and I'm like , excuse me that's rude and then he was like no wait no , I mean that in a good way because , because like dogs are like so small and then they see something they are like oh my god oh my god oh my god


so they were very they were like oh my god you're very like a dog like a golden retriever because like, the your reaction to like durian or jackfruit and then the woman climbing up the tree and getting it it's like so excitable is like a dog so that was, quite heart warming yup


that stuck in my brain for a while


oh, yes if you're, I thread you thread, !yay! welcome to the world of girls


all these compliments are thrown around every day that's why everybody has, high self confidence and, it's true lor same


nice, !hey! five four


financial related topic, hi I'm xavier so like I guess I'll start on the


this financial related topics lah so like, uh, I think like one financial advice that I would have given myself five years ago which is like, when I was seventeen is probably not spend so much on like uh


like uh, as in uh, uh such novelty products you know cause last time used to buy like a lot of like, uh clothes and uh


stuff that didn't that didn't really have like much of a value aside from like just clothes so like I would have just uh, saved that money and put it to maybe more banking stuff lah so like maybe uh try to, have more savings and like uh just save up for investments and all lah so ya that's what I would give myself I mean like the advice I will give myself ah if I was to


say five years ago ya, elizabeth what about you


okay so for ya so for this like I know that uh I personally have been approached by like, a couple of friends lah like uh asking me whether I should uh try some investments save up for my future so like


some of the plans introduced and some of the plans that my friends have lah is basically saving about two hundred dollars every month and putting into this uh investment plan so like once you put this uh, money side investment plan uh every month like the interest rate will accumulate then at the end of maybe uh couple of years depending on the plan you'll get back a higher interest rate lah so like


like even though I thought it was like a a pretty good idea but I personally don't think it's sustainable lah for my situation ah because uh I don't have a stable income because uh I'm studying in uni lah, so uh for me to uh commit to such thing is a bit difficult so uh that's why I would


uh prefer to wait until like maybe I have some time to, uh work on, a part time job then maybe I can get an income to be able to, uh subscribe to such high commitment plans ah so ya that's my personal take


do you have any financial advisor thing, !wow!


financial independence or retiring early, I guess it depends on the sort of standard of living that you wanna decide on I I also have heard like a lot of my friends and like they have posted a lot on instagram lah to


uh to, what is it uh save up for retirement even though like you're twenty plus you still can start thinking about it lah uh it is, quite like, it's really like looking into the future


and stuff like when it comes to all this but like for me right now I'm more concerned about uh how to, establish like a more stable income so like let's say we are talking about, uh like uh


selling things online like building up your own store that sort of thing so like like to understand like how all these business models uh can work I have been like working with my friends in uni as well lah as like some sort of side project so like


ah like these kind of things like will be able to help me understand so uh as much as being financially independent uh I still have a long ways to go lah let alone by uh thinking about retiring retiring early


so ya that's my views on that lah, but I would definitely want to, uh try to retire early I don't want to spend like all my life working


but how do you know but but what job will you work, to allow you to enjoy


for for me I guess it's like uh I'm think like for my I'm thinking like to pursue some marine biology job or maritime job so that like cause I do do diving outside lah quite a a number


so I think it'll be quite an interesting prospect, but uh with whether it is feasible to, do in singapore is another thing as well lah so definitely a lot of planning, and ah testing will need to


ah will need to come into play lor, so I, ya, it really it really is ah, really is is one of the things that I'm looking to do but even if I cannot be like maybe a marine biologist I guess I'll still want to do a maritime related job


so maybe like a ship's captain all that kind of stuff of ships, ya that's why so like uh probably we need to like think, I would need to uh slowly think about it lah, this kind of things


yes so uh, like personally what do I feel about uh, CPF contribution I think it's uh very okay lah like when I've been working like part time jobs then it take away like what how many percent of my pay I feel quite Sian lah but then like


but then like despite that like uh I know that it's for the future so like next time maybe uh, uh there's medishield, and uh other healthcare plans, that I can use lah I can use CPF to pay help pay for some of the


uh uh, the bills that I may face in the future so I'm just like, uh , so I'm just like slowly thinking and just trying, to uh uh get get more information lah with regards to this aspect


ya we


definitely ah it won't it won't it will never cover like every single, aspect but then it can like, at least assist lah it's better than just maybe leaving it up to, uh leaving it up to uh in your bank or spending it on something else lah


that is not as useful, so I think it's still a pretty good decision by the government lah, cause a lot of people don't really, plan for retirement sometimes, so ya


why, yes I see


out of that, I mean definitely loan sharks is not a good idea lah to borrow


it depends on the size of the debt lah I would assume, I guess you can reach out to, fellow friends and family first but if the debt is too big then, might have to take uh bank loans and all that sort of stuff lah


ya you, ya, but there's always I mean there's, some of them are like it's forced debt lah but regardless you shouldn't like


uh, entice yourself into ridiculous activities that sort of stuff that sort of stuff as well


I guess I guess ya, okay, so I guess for me like uh like in a post COVID world like what changes did I make is uh, uh like I didn't really I don't really spend a lot like typically like I don't buy I mean I used to buy a lot of clothes and all sorts of stuff but now recently I don't really do it as much so like uh mainly I spend on maybe like


like subscriptions such as netflix the apple cloud, and spotify ah so aside from that I don't I didn't really spend much because most of the food is home cooked uh at the very most maybe just go out and, like uh


uh spend some money on like uh the nearby food cause you need to Dabao lah, then


I guess I did I mean like aside from those expenditure I did like do like a book course online which I had to had to pay like a few hundred for it and I also like ya I just spend like I made like a few


uh purchases lor, like uh, like to keep myself entertained throughout the CB period, so yup


yup just to entertain, anyway so (hmm) uh, what, do you think you should own a credit card for credit card uh I do understand that like it comes with a lot of benefits


uh but I mean self discipline lah so you shouldn't recklessly spend and you should definitely like track how much you spend because I understand that like if you overspend, uh you can incur quite a lot of credit card debt lah, so for me I I have no need for it because I don't really make many big uh large purchases purchases for myself because like I mean like I said I don't have a stable income yet lah but uh possibly in the future I will


probably have it uh because of all the benefits but definitely I will regulate myself lah, and uh we should, uh I guess like for credit card benefits like


they do give you like a lot of uh, uh bonuses I guess, uh it depends on the credit card lah actually like you there's sometimes there's like uh, uh points so like the like the more you spend on a credit card then uh you can uh get more points and you can use those points to redeem


sometimes for money for air miles that sort of things lah aside from that like like other credit cards you can have is like uh, like, like mainly is air miles and like bonuses that sort of stuff so like uh ya there's occasionally cashback and all lah so


uh, like if you if you are a big spender online and like I mean obviously you need capital lah, uh then I guess it will be more for you, for credit card


okay so last question how do you invest your money to accumulate for wealth okay for retirement I guess it's save save save yes that's what I would say, save and uh try to find a stable income ya


yes definitely, health is very important


negative experience in your life, okay so


!wow! there's so many, saddest what, I can't saddest scene !wow! !wah!


what is the saddest scene, witness in person or online


I guess saddest scene was like, ah you know funerals that sort of thing so like uh it was quite heart wrenching to see like uh when my grandma passed away then uh basically the my entire uh maternal side of the family they started crying and I guess it was very sad


because like , like even though I wasn't very, too close to her like I really treasure my family a lot lah, so, like it was a bit hard to it was not a bit lah it was very heart wrenching to see like, uh them cry and sad


so, yes I guess that would be the saddest scene I've ever witnessed


okay so, let's see uh describe a time when things did not turn out meeting your expectation, let's do that


you can go for it, so it just, so please go


I have no idea you are talking


interesting !wow!, I guess so for me so a time when things did not turn out meeting your expectations so for me I I'm quite a simple man I I used to like clubbing quite a lot so so uh


like I wanted to join a hall, ah, to do some DJing CCA ah which was really cool lah I thought it was really cool but like uh, there were some factors that didn't really like I did try for it I did like research I did like uh think about like some songs that I wanted to mix and all but it was it was quite uh devastating for me like it's quite I don't know why I


I was so sad over it as well like I think it was like one of the few things that I really really wanted to do, and try and I really set my expectations very very high like I was thinking like oh you should be quite all right to get in and like I've seen my friend like having so much fun in their CCA so like I really wanted to try and I've been listening to a lot of like uh


electronic music since I was quite young lah especially when I study I'm like I'm like always the guy who likes to dance in the in the club or like even like uh, like, play music for my friends when we gather and like even in library when I'm studying I always play like a lot of EDM and like


ah music lah because like I really enjoy uh listening to music, so like when I didn't get in I was it was like I went through a breakup which is like it was a bit obsurd absurd to a lot of like a lot of people will be like !wow!


but to me it's like like !wow! shit I what did I join this hall for like I could have joined any other hall but I chose it because of this, and like there isn't like much reason for me to stay anymore so it was like really it was really quite a sad stage in like my hall experience because like


like I had I felt I had no more purpose being in that hall so it's like ya that was really one of that, time when things did not meet my expectations but then, guess what so oh wait no this is a different


this is a different, thing so ya ya but I guess it, !aha! so luckily like I did manage to bounce back a little bit so like my one of my neighbours was like inside a DJing CCA so he took his time out to teach me which was which was sweet but I wasn't like part of the CCA still so it still kinda sucked so


then like uh like I always like asked him asked to go, to the room and stuff like play with the DJ set then like even when some of my science friend came over they they wanted, like they were like oh let's go to the DJ room then I was like I don't know if I can then I ask and then they were like sure let's go then I got to play with it a little bit more


me and my friends had a good time like jumping and like I mean they were screaming lah like my friends are a bit Siao one lah sometimes then, ya really had like some good memories lah like even though I didn't get in uh like I still managed to bounce back


uh despite all that lah, I mean ya I guess I understand what it is like to really want something because like I didn't really I guess I I could have put in more effort into like wanting it like maybe I could have bought like a DJ set which I recently bought uh I guess I could have


done more research and maybe like made more connections but regardless I probably am gonna try again next year cause I do know the head so this time maybe it'll be different lah


yes, bounce back, oh no you poor soul


hello hello, ya okay anyway so I guess I will


like uh continue sharing so, I guess uh, what is


yes uh I guess one thing, that uh I wish I could change, but never will be able to lah, it's probably like uh, how could I change


I guess maybe I would want to change something like, uh probably , some weird thing lah like maybe global warming or something like that okay wait uh maybe not global warming lah but maybe like uh


in particular like my, like I really wish that my family could be closer cause last time we used to like uh do some like and my brother used to bully me and all so then now left a bit of uh


stressful relationship between him and me lah so like uh I really wish I could change that lah so but not say I will never be able to but it'll be very hard because like it's sort of like embedded within like


uh something, easy to change it's going to be very hard, !aiya! so , what is the biggest thing that is holding me back from my goal


my goal right now is as much as possible to explore, and, uh really try to get out there and, really experience like as many things as I possibly can lah because like I really want to like try working in a maritime industry cause I really do have a passion for


the ocean uh, and like uh, diving and stuff lah so like like I really do hope that I'll be able to, uh, uh achieve my goal I'm slowly working towards it lah in uh getting uh to


my maritime job I guess, uh but I guess the biggest thing that is holding me back is, I don't know uh pressure mainly pressure to do better in my studies, uh like cause


you know like asian parents and stuff lah like they really want us to do well for studies, like just do studies get degree then maybe go find a job or maybe advance your PHD that sort of thing so like like it's really is I wouldn't say it's like holding me back from my goal I understand the rationale but it's like


like I don't want to end up like doing like this sort of like nine to five office job, then I'm really like working myself to death chasing after paycheque after paycheque and like, uh, just working to make ends meet


and like , I think I would like want more, not say abnormal lifestyle, I guess I would want to live like, not say uh, uh I wanna live more of a


a lifestyle that I would never regret so like I don't wanna be I don't want to live like uh, in the future then I think back oh damn now I'm too old to like try smoking, uh I'm too old to like go to the club too old to go to cruise no time I wanna be able to


experience all of that lah so, like that is really like, it's holding me back from my goal like definitely like, uh, trying to please my parents while trying to battle what I really want in life lah so like I guess that is


like that is the main thing that is holding me back lor, so ya, what about you what's the biggest thing holding you back from your goal


in doing what, oh what what what university, oh okay


that's that's a long while ago I was talking about, okay yes well go on continue, that's good that you remember, I see


, so did like a lot of like Hwa like I guess uh accredited schools like people in from there like they got into the yale NUS lah is it, I mean would you know


positive experience in your life okay yes so, !wow! !wah!, positive experiences so


let's start so what am I thankful for I guess I guess I'm thankful for being in singapore, and uh really enjoying like the safety that we have lah and all the opportunities that we can have so like can


uh we can, study you can uh go work and it's all within like a very safe environment so like it's very it's a very protected city ah so like uh it's very I'm grateful for it because maybe I'm a bit


uh uh how do you say, more like a well to do ish that sort of thing so like I really uh, I would I I I get to go to a good school go to university that sort of thing lah so uh it has really provided me a lot of good opportunities


and meet uh people of the same like lah which I really enjoy, so yes thank you singapore, what about you


okay uh what what okay something uh what did you hate as a kid but now love as an adult last time I used to hate, all foods containing chilli !wow! it was it was so bad like I couldn't even eat like


any chilli, so like I was really quite uh bummer for me like all the spicy food, until like one day I went overseas with my family then uh I was able to like uh start eating spicy food from then so then it was really


uh it was really a good thing for me lah I really enjoy uh eating spicy food from after that so ya, so now I love spicy food like Mala, curry all that sort of stuff !yay!


everything , so do you hate meat now, !aha! you didn't answer the question answer the question


!wow!


lovely, okay you go first


!wow! that's so nice !wah! I cannot remember what's my birthday present, !wah!, I guess it will be my twenty first, when I had essentially like a whole weekend of celebration for me


which was amazed which was fun lah I mean but then I I did plan everything but then like my friends were really, uh, how to say Ons to like uh join in and like help me celebrate and even like help me set up all the party and all that sort of stuff lah and like


and everyone really enjoyed themselves like the first day we we I had dinner with my family and of course I went to a club uh then then my friends, my, my friends enjoyed like the night I I assume lah if I remember correctly then uh


the next day we went to uh, uh check in at a hotel then we set up uh for the party then that is when all my friends came again to sit eat good food and just like enjoy lah it was it was really quite a nice occasion


ah then the next day uh after checking out, uh we went to a chalet uh that was and then this one was strictly for family lah so then like, and throughout this three days like !wah! it wasvery tiring but then like it was it was nice lah to see everyone uh gathered and enjoying themselves lah so I think that was really quite a good birthday for me so it was last year


that is not my birthday anyway so


can I say myself , I don't look to up to anyone in particular because I feel like everyone's just trying to find out like what's going on in their life so everyone's like very uh just in this journey in their own self to like find out like


like whatever they're doing lah they're maybe they're doing it just for fun uh maybe they're doing it uh to pursue something else lah or maybe they are just hustling there are so many different people lah so like, uh for me I wouldn't say I look up to anyone in particular I guess I look up to those people who maybe have like more discipline than others in like trying to achieve their goals


like if they already have a particular goal in mind so example like maybe people who really want to get into the academics field !oh! I have a friend that is like uh he's he really loves animals a lot lah so he studies really hard, for his uh vet course so he can so he can do uh he can go overseas next year to study uh in australia that sort of thing so like I I respect like his decisions and stuff lah but for me is like uh it's not


like for me I guess I'll take a different path like I may not be too good in academics like compared to some other people and I have like a high propensity to, uh , decide to do spontaneous things with my friends lah so like that is like clearly not very academic directed so like I guess that is my direction like


like I know I understand everybody has a different journey so like for me is I respect the people who have like discipline because I do not have the discipline, so ya I guess


that's so sweet, !wow! nice, okay so, describe one of your most memorable travel experiences


no you go first , because our topic definitely go


!yay!


that's nice , so for me so I I do teach diving uh here and there like the especially before the COVID before the COVID period lah so this is one of my extreme like craziest memories like of my childhood experience so like


so so I went uh to this island in Tioman to teach diving and it was my first time on that island like my boss decided to trust me for some reason, first time on that island and first time leading a solo trip which was insane lah so the first day went really well all the students were quite pleasant and stuff


so like the crazy thing was when it was like day two, so day two we woke up we went for the morning dive, uh like like uh, first like within like thirty minutes of the first dive one of my students like she suddenly pointed at her mouth regulator when we were underwater ah like ten metres underwater then she was like she was like frantically gesturing !hey! help help then I was like


what what's wrong she pointed to her regulator then I was like okay but I still don't understand then after that she took out her regulator and then like like her her breakfast came out lah and I was like oh my goodness, and I was like oh my god then I was like okay I immediately told her like go to the surface and like she wasn't feeling very well maybe a bit seasick so she got to rest on the boat


and then so after that we went to like we went for another dive in the afternoon with the student still resting on the boat lah so apparently like uh when we were diving, uh halfway around this uh island called Soyak lah like a very small small rock like when we're diving like thirty minutes


I mean okay yes it's a it's a rock is like is a very it's it's not even big enough to be an island so it's like a rock so like like this, this uh like thirty minutes into the dive suddenly like like it was very calm then suddenly all the fishes start turning one direction then they started swimming then I was like what so there was like


there was like a huge current there was like a wave of currents suddenly coming so then I was like !hey! something's weird so I put my students at the rock then I got, at a rock like to shield them from the current so then I went to do like a surface drill with one of them so when I got to the surface then the student pointed out to me like behind me uh there's something behind you then I look around then it was like a


huge like water spout like just fifty metres away which was insane lah so it's like in like it was so like cool lah you can see like the water droplets slowly being sucked up in like some look like a tornado ah which was like !wow!, it was so crazy and then I was like I was a bit worried for my students so I told him to go down but since I saw like they were all doing fine like apparently it wasn't like very deadly or anything because there was no current so I got each of them individually up uh safely lah


then they got to all see the water spout that was just forming right beside us which was !wow! that was !wah! that was the craziest moment of my life ah I wish I took videos, ya, nah it's a good it is a good thing to keep a memory because I cannot remember I cannot remember like how exactly it was but it was absolutely


insane very one of the most memorable things in my life lah, yes alright, so what is the oddest or most unique compliment you ever received


yes, I also have go go, yes yes yes


so ya so you're you're a good dog !yay! , okay so like for me I guess like what's the most unique compliment I've ever received was, when I was just like chilling with my secondary school classmates then one of one of my uh friends who is a girl suddenly like looked at my face then I was like what what is going on then she is like


you have very nice eyebrows then I was like what that was so random of all then I was like okay !wow! thank you I never knew they keep on asking me whether like what is it ya I thread my eyebrows but


no, apparently guys said it also some of my friends were like oh that's pretty good then I was like what then I was like okay interesting I've never thought about it


eyebrows are essential


uh part one financial related topic


okay


okay, okay so what's one financial advice that you would give to the you five years ago, so I say out the question I need to, say out my answer or I wait for her to reply


, okay so for question one uh what's one financial advice that I will give to myself five years ago so is probably uh proper planning because for myself right I didn't really have any on planning throughout the years I just like


do whatever I want so so like now I realise that oh you know and I actually I should have done a proper planning, yes, now is your turn


actually I can't really hear or you want to put like near near your mouth so that I can hear, still soft leh


yeah, yeah, like I think maybe have to like speak speak really loud


ya okay


still a bit soft yeah


yeah yes, , okay


uh yes I do agree so for question two right uh should I DIY or set a, or get a financial advisor to plan my finance actually for, myself right and I will look at the three uh points one is what is the value of my time


compare to the uh monetary cost of using financial adviser because uh, I rather uh let the uh professional financial advisor to actually to plan my finance because if let's say I were to DIY myself I will need a lot of time to actually to read through


uh to do all the research then second point right I will actually look at uh can I look at my money without uh, interference of emotions and the third point and I will look at or do I enjoy the process of investment research and financial planning or do I dread doing it yes so for myself right uh


getting a financial adviser the benefits are they actually they helps in on provide the objectivity they also ensure that uh I am well informed of any you know updated uh news on uh any


necessary uh advice and they can actually work with me to establish on the positive objective or investment decision that I have, have and even like uh can help to undertake like, any investment decision on my behalf


yes , so my answer on I will let uh financial adviser to plan for my finances


okay so for myself right uh, how do I manage and I will actually monitor my cash flow regularly so I can actually uh keep track of on what is uh in and out and uh I can also uh cut cost like what is the unnecessary on


uh cost that I can actually cut on then uh I can actually do like a percentage on like how much is allocated to my savings expenses and insurance or investment, and the remaining part uh it's actually should be uh the amount that I should spend


, number four is it


uh okay so for question four right uh what can you do to earn extra uh income or to improve your income level so we can actually uh sell things like sell on stuff on social media platform like uh


facebook live which is actually what a lot of people is doing during the COVID nineteen period and also on the instagram because uh why because starting on the facebook live platform and on on instagram it is actually free we do not need any money to start


so as long you have uh internet you have a phone and you can actually start to sell and uh a lot of people they actually they selling right they don't even have, to have, uh you know on purchase the stocks because , they can just state that okay uh whoever is interested in this pre order item can actually uh you know


you know uh let them know and, afterwards then they do the delivery so there's other platform like carousell and shopee as well and it's totally free so this one is actually a good choice which is what I'm doing also during the COVID nineteen to actually to uh earn a little bit yes and on


second is actually to build a site on hustle business is on can actually uh look at like what is your , interest so from there you can actually start from it so let's say or for my friend she uh she do baking once in a while so and I will like uh saying like oh why not you can actually like start doing baking or you know you can actually uh


I, actually I do have quite a lot of friends who do baking so for some right uh they actually they baking on like certain periods like uh for example err, mother's day father's day or like you know whatever festival reason or you can also do baking on like


okay so on do you have the habit of saving and, how do you ensure you meet your savings goal


uh okay so for myself right on, be organized uh you can actually set your goals in terms of short term goals medium goal and long term goal so short short term goals right is uh from one to five years time and medium is five to twenty years and long term is twenty years and above


and secondly I, I uh you can also prioritise your goals know what is your main focus uh and third uh is is your goal achievable because if you set like unrealistic goal right I think is quite pointless like uh goals like I want to touch the moon


and on, four I will prepare for, emergency so uh we must always prepare a lump sum or for rainy days for emergency because we won't know what will happen next and on, fifth is on find the best deal


yeah and six is be flexible with your planning


okay so how do I spend my money basically as and when I like yeah and uh for myself right uh actually I've been spending on quite a sum of, food and maybe like online shopping ya


so seven


okays, err uh okay so for seven right what strategies would you recommend to someone planning for their big ticket expenditures like starting a family buying a car house etcetera so the first on and I would ask is


is it a need or want, yes so I think that is very, important yeah, so number eight so uh how do you manage your finance uh, commitment before and after marriage


okay


okay so, for me number eight uh okay how do I manage my finance on financial commitments before and after marriage so before marriage right uh, there are some points that we can actually look into which is learn each other spending habits because uh and secondly draw up a budget on together and third is on share the expenses and save for common goals


and fourth is set goals and work towards them fifth is avoid impulse spending or borrowing and on the last is uh to shut up the, the important things first and which after marriage right , the pointers that we can actually look into which is set financial goals and boundaries uh second is combine financial accounts third is reconsider uh insurance option because


as we enter into different stages of life and our uh insurance needs is actually different so after marriage right may have to actually adjust the insurance uh have to probably uh discuss with the financial planner


uh or advisor and last right is to take care of the various legal procedures and benefits


eh


okay actually I just realise right , I didn't really read the chat, thing okay so actually I miss quite, a lot okay on, what advice would you give to some,


okay, yeah because uh you just like uh you answer accordingly to the topic one , ,


okay uh so, okay so I'm actually looking at , how do you invest your money to accumulate wealth and or planning for your retirement so actually I feel that one


one of the option is actually you know to get those , insurance plans, uh which which I actually I did for myself so so actually I on last, a couple of years back actually I on get this pruwealth pruwealth uh from the prudential which is actually which I feel that I think is quite a good uh plan because uh you just have to like pay for like


ten or twenty years and and the plan will just ongoing uh all the way to ninety nine years and you can actually so as long you don't take the money you can actually uh at the end of the day you can actually take a lot lah, yeah


so twelve what advice will you give to someone to get him or her out of debt so I think , the advice is to spend within your means is like to spend what you have, and not spending the future money which means like


for myself right I don't and I don't own a credit card because I, and and I don't really like spending future money and I like to spend like what I have so I would will consistently tell myself okay this is the amount that I have I can only spend this so I will not overspend or you know ya


, so, okay uh do you think one should own a credit card and I don't think so because I do have my friends who would tell me oh you should actually get this credit card uh you can actually get this amount of savings


so so my reply will be like and and I don't really need to save that five percent just to save that five percent and I need to actually to spend more so, I don't think uh, it's best to avoid credit card lah for myself lah ya


okay so what advice would I give to to someone in order to retire comfortably so I think the same thing is to spend within your means


yeah so uh don't overspend which means like you let's say you earn five K so probably uh you just like spend like two K and not like six K seven K so in this right you can actually like, uh retire comfortably yes


so what are your thoughts on CPF contribution, okay


yeah just realised this stuff


K uh, negative experience, okay so what frustrates you, okay yes


same I


same I think , low and poor internet connection do frustrates me especially when I want to uh search on google for uh something and it just like stuck there so it kind of frustrates me


and the other point is on especially when I'm preparing uh to go out so during that , thirty minutes of preparation time, so usually on I will want to do my things quietly so sometimes my my parents will actually talk to me at the wrong timing so it do kind of frustrate me at times yes


ya so so I think, that, that that that will frustrates me, yes so uh


the worst thing that I've, uh witnessed and kept quiet about I think is probably uh, , for this incident whereby you know uh my friend actually you know did something wrong


uh so when , when the person in charge was asking who is the one who did it but then uh because it was my friend so so I didn't actually like uh uh pointed that oh


it was actually my friend who did it, yes so I think on this is probably one of the worst thing that I witness and kept quiet, so what about you


, , actually at the moment right there isn't any


scene from movie that make me too angry to watch, yeah


maybe not much, of, the the angry part but then is more of maybe like the storyline is very lousy or like the acting is very lousy that make me don't want to watch, ya more than angry to watch


so I think uh, no no


err describe a time, describe a time when I'm, unable to help someone, in need uh I, I think most of the time is like I when I'm rushing you know I'm late for work or something so there are people who like you know approach


me for something but, so I can't so so I think probably that is one of the few times where, I'm, unable to help them, in need, what about you


okay so, what is your greatest, so, what is your greatest fear,


and I think , fear being broke , , fear being broke so that's why we are all like working hard, since young uh hoping to earn as much money, uh ya as possible to have uh


normal living yeah I think uh, this is one of the greatest fear which on everyone is facing because , , and ya as you all can see lah the prices of uh everything is all increasing but not on our pay


so I think this is one of the, greatest fear, and also I think uh the other fear is fear of failure, yeah, so I think everyone uh, so I think must overcome the fear of failure in order to succeed


yeah, and to learn uh, from the failure, ya so I think this is very important, so on number six is, a series of unfortunate events describe a time when everything that could possibly go wrong did go wrong


so probably you can name a few


okay uh so from , series of unfortunate events I think is err, probably uh, I think it's


yeah actually don't have , my life is very smooth don't have anything okay but, do you have any phobias like uh and how do you uh overcome your phobias


okay so how do you uh overcome it


for the moment at, at the moment uh, , not really I mean like if let's say we're to name one is probably like those , insect those insect yeah especially


that they can fly, and I will be very scared and I will be screaming at the top of my voice running around yeah so I think uh so how do I, overcome it which is uh I think I will just run and hide , , actually is more of uh me escaping running away from it not really on overcome it yeah


and I think, , goosebump goosebump actually not really but uh and I did came in across a lot that uh give me uh sadness \ ya especially those like touching


, video clips or like you know so I think this is a, what that makes me feel sad instead yeah, so uh because previously I did uh came across this video clip it was about this


mother she she, she got memory loss so she don't remember uh uh, her family members at all so it's actually quite sad ya so she keep like uh ya asking oh who are you who are you so I think this is


a very sad, clip yeah so do you have any uh uh clips or like uh


(ppc)


uh for myself actually, not really to that stage whereby uh there's no way I can actually get uh, get back up and start over so uh


I think uh for for okay, maybe I can like uh mention uh a times where like like those younger days where you mix with like the bad influence so that's when you all would do like something bad uh


uh, uh ya so so actually that's happen to my friend so eventually uh she she follow uh the wrong peers, and uh she committed like a crime then she left like uh uh a bad record so I think uh yeah so that's what happen to my friend so


she she still can start, on a because it's only her, first time, so now she still lead a normal life yeah so that's what happen, to my friend, yes so do you have any uh, experience where you committed


something really wrong, or there's no way you can get back out and start over do you have any or, your friends have experienced any


okay so


oh okay the event that makes me very angry actually uh


my patience is very good so is, is not, it's not that easy to actually to make me feel very angry so I think on probably is unreasonable and demanding customer or even like uh


uh situation whereby you know uh uh and especially like you know people or like colleagues you know, snatch your work credit so I think that will makes me angry, do you have any like event that makes you angry as well


not that you can think of, okay, then uh number ten is what disgust uh what


disgust you,


okay so for myself right will be uh actually, probably human fake character or like uh scammer, yeah, okay uh, so why why scammer disgust me because I feel that


they , uh they shouldn't be doing, things that they, uh okay because they are doing things that they shouldn't do, so uh so for myself right I actually on I know


two scammers, so uh, so one right which err one which actually err, okay so, so what did disgust me right is actually that this this scammer they are actually really very very good so I actually happen to met them again


after near like almost ten years, so err many many years ago I didn't like uh fall into it because , uh and I don't really believe in what they say and also because I consult my friend yes so what they do right they actually on they will trick people into invest into their so call investment uh thing so instead of like you know going work getting a paycheck


they will ask you to put money instead so that's, I think that is a very no no thing so, so err which I don't know why they they are still like you know live a normal life they are still not get caught


so so they are still doing uh what they are doing which is scamming people so so uh which is a couple of years back right uh they are actually scamming more and more because they are targeting into like those countryside uh


people which is from, china and taiwan, and uh I think one thing err they are good is they are actually very good in a sense that they they do a lot of homework and they uh can actually like a drama scene they can actually uh dress up themself so well


so I feel that is very, disgusting lah yeah, so I think on ya so, scammers are disgusting, they they should get caught , , yeah, yes yeah


okay as you ya and as you know that uh I know, another scammer yes, so which is on happen like last year so recently he he was uh appear in the newspaper for scamming people, yes so he appear like not just singapore news and malaysian news as well


ya so, it's very disgusting is like you say lots of lies you know uh, on just to scam people and you don't, feel bad at all, and, and now they just like lead a normal life


and, and the worst thing is the sister actually approach me to to help me uh to ask me to help her with her, business which I feel very disgusted , yeah yes !huh!


[oh] okay


positive experience, K


err, and to experience life to look at uh how beautiful is this world to uh yes and what about you


yes I do agree that to, to eat delicious food to eat all the good food in the world to to travel yes, okay so now, number two which is uh what is a skill or an ability that you are secretly proud of having


okay, okay uh, so for myself right uh, for me I can actually like get to adapt uh in different type of uh environment


so I think it's uh no problem for me then I think uh yeah, maybe sleep cause I'm a heavy sleeper so I think because for me and my mum right uh she she's a very light sleeper so she can be awake very easily so where else for myself right


and I won't so I think that is a secret skill that I secretly proud of so number three right when did you blush the most and describe, that, that experience


not when you see your crush, , okay uh, uh, for myself I think uh when I see my crush right then maybe that's when uh I will like blush because and I will have the eagerness to see the face of my crush is the and also like will have like keep waiting for the message to come then become impatient


en, so I think it's like a feeling of happiness , , because the guy haven't appear , okay so, uh


for myself I think is, it's actually phone leh because if let's say uh I I got a long day and I want to relax my mind uh the first thing I will do is to take out my phone scroll uh all those social media and I'll look at those video clips I think this is uh one of the best way uh for me to relax my mind


uh what about you


and, I think also one one thing right is to eat your favourite food and drinks so for myself right and I do have, this drink which I call the happy drink which is the starbucks because whenever I drink right and I will feel that is happy and I can yeah so it can actually help me to relax


yes so I think uh, delicious food and drinks to help to relax, mind, so number five uh describe the time uh when you make a comeback that shut everyone up


err for myself actually I don't really have it leh but then uh, I feel that is, maybe okay maybe I talk about the social media one I feel that it's like sometimes right if this, this person have a super high following or high follower and people will like !wow!


you know that make , those other people shout out so I don't know if that count okay, , so number six, what is your best surprise


a what, okay uh, for me my best surprise right err


actually I don't really have any best surprise eh, ya, , for me I don't have any best surprise okay number, seven uh, despite the ongoing global uncertainty what makes you optimistic about the future


okay so on for, for myself right uh, I think the most importantly is to have a positive mindset err no matter what uh situation or circumstances you are in because with uh the positive mindset right


you can actually uh, do things positive and you know the outcome will be positive as well, yeah, very important, yes number eight uh describe a travel experience that left you in awe


so for myself will be go out into nature uh get out of the comfort zone and have an open mind uh you know uh to, to travel alone uh you know uh to overseas to see the world ya because if you travel alone right that's when you get to really experience everything all by yourself


yeah


okay uh for myself right uh, so far on and I won't say the biggest, reward lah but then uh, I would always believe that human should do a lots of good deed be uh because I always believe that uh what comes around goes around and I do believe in karma as well so for myself right


what I usually will do right if let's say uh, and I feel that no matter what happens you should keep doing good deed like uh let's say for one example is many years back when I was in a train I saw someone like rushing out


of the station err so I just like quickly tap on him to to tell him or her that oh you dropped your wallet so the person like just quickly grab and just uh go without saying thank you so at that moment I was like thinking !wow! should I really


uh what, should I really do do uh as in if, if, if the if , as in, if such thing happen again would I still do it actually my answer is still yes although I'm quite disappointed with his uh


uh reaction because he didn't even say thank you but, I think that won't stop me from doing good deeds I feel that , most importantly is like seeing the smile on their face is priceless, so ya so so no matter what uh and I will still keep doing good deeds so what about you


okay so for myself right and I will take the COVID nineteen as an uh example because, as we all experience the COVID nineteen and also the SARS period so we know that how deadly this virus is and it's actually more scarier than uh the SARS because


uh you can't see it and it actually is, spreads like so, so fast, so so, during this COVID nineteen although there are a, a lot of stubborn people who refused to uh you know wear masks and so on but


uh we get to see there is a lot of selfless you know uh kindhearted uh, human like you know uh willing to give a helping hand you know uh , uh, do what is within their means like uh to give out free masks or like you know uh and


as we can see a lot of like uh quite few hawkers ah that they actually the you know, although they are not earning uh their business of, was being affect uh quite, uh, hard on this uh of for this COVID nineteen but they still like uh do a part they they will provide meals for those who can't afford their meals so I think this is what that makes me feel that !wow! you know actually uh human is not that selfish after all


so what about you


okay so for myself right it will be in times of stress like such as the exams or job interview, or even uh when I was doing extreme activities including uh, riding a roller coaster uh


uh or even the bungee jump so yes, what about you


K so, so for myself it's definitely the lucky draw because as the name says lucky for someone who gets a draw so, when I get, lucky draw and I will feel the luckiest but so far never lah so


what about you,


K but, then for myself right actually I don't really believe in luck, so that is the reason why and I don't err gamble because I feel that is actually a, uh


the possibility of like winning is uh is very low, yes so, so that's why and I don't have buy four D buy TOTO no , , okay so number thirteen, what's, what was the proudest moment of your life


okay , for myself the proudest moment, actually, I don't really have because I'm not a proud person , , but then uh, , okay uh


or maybe I can say like uh the happiest, moment I guess is uh, when I didn't really study much for the test and yet I can actually score so I think , , so of and of course I feel okay not bad


, uh what amaze me is uh, hardworking talented uh before and, uhyes hardworking and very talented people what about you


, same , okay


okay, ,


okay, okay so uh, okay so what question would you like to elaborate more on


okay


okay actually , okay uh, so maybe and I will like , start on the topic two question one, so so I think


it's very important err, to have your, like uh goals and uh to have life goals in life you know, uh to set targets in life, to achieve it and not to uh, live within your comfort zone because whenever you are in a comfort zone you are actually not growing


and I feel that , certain stress is good because, it, keeps you uh, wanting to uh do harder ya so, so I think is so I think that's one of the reason


so what what are the other


uh skills or your ability that you, are secretly proud of that I I don't know,


okay , then what about your favourite activities, to unwind or relax,


(ppl)


sorry ah on the phone as in, oh the appen app oh but my recording also on the appen app just a moment, yeah oh can you see


yeah uh financial related topic


uh


okay so but for for my advice I would said I will put my, saving in a fixed deposit instead because I think I I make a mistake of uh putting the deposit uh I mean my my salary in just a normal account and then if I can


do again I will give advice to the younger generation put if you have a saving account put in a fixed deposit so you can earn a highest interest rate, that's my advice


okay can you hear me now better, still very soft ah is it better now, okay K I I I think I think uh must be face this side cause the mic, ya


okay so okay, K so I'm going to repeat myself, okay K one of my my advice would be err my advice that I would give, to myself five years ago I would uh put my saving in fixed deposit instead of just a normal account because uh fixed deposit give a higher interest rate that's my advice


, still a bit soft , oh no, yeah, yeah yeah uh I'm not covering the mic I'm actually holding on the wire the mic is here


okay is it better now, okay okay I don't move already okay so so my advice is err, put my money in our fixed deposit to earn a higher interest rate instead of just uh you know putting in a normal account saving account


that's my advice, thank you okay so uh, then, do you think I should get a financial advice or or do it myself from to plan my finance,


okay okay , like, you you like okay for for me I will I will first think of what I want, and my uh capability to pay and


the amount I comfortable paying first and then I I will still seek the financial advisor end of the day they are the, I mean they are they are major in their field so I will still seek their advice and maybe not one maybe like a few, because uh maybe you know some advisor I think they they they might want to know just uh


more on the sales then maybe I will also ask my friend and then consult a few to to think about it, yeah, then how do you manage your uh cash flow how much of your income is allocate to saving expense and insurance investment for question three


I see so uh what can you do to earn extra income or to improve your income level, yes, what about I share share my point of view uh


what I will do to, there's one question what hold on ah, okay I I go back to question three for the for for myself right I will put I will spend fifty percent of my salary and then fifty percent of my monthly to to my expense like


my expenses food drinks insurance investment, and then , fifty percent saving that we will put aside which cannot be used like I say I put I put in my fixed deposit to to roll the money so next time when I want to is for next time if I want to buy something big like a house car or family in the future


so what can I do to earn extra income or improve my income level maybe you know take up like some, part time job doing uh grab food grab delivery or if you have a car license I will ya drove uh grab for part time


, and I have a habit of saving and I will set a target every year, like a yearly target, ya but uh more realistic ah, how do I spend my money


what which expenditure is justified and what have you been spending too much on, I been,


okay,


okay ya sounds very good, okay so how do you spend your money, uh in like if uh you have any advice if you have been spending too much or how to justified


oh okay K I I uh I touch on myself first I, I like to spend my money by uh paying E pay like uh paynow and all this because uh then I can able to track my spending then end of the month I can tell that uh did I spend too much and then next month I can do better something like that


sorry,


yeah okay okay, , I before I mean before you can you have to communicate with your partner I think that's very important communication and also individual ability


I mean after you marriage and earn, is everything is about money and budgeting you have to plan for your children or if you are not going to have children you have to plan for the house and, the future so you have to spend lesser budgeting yourself and also budgeting yourself and spend lesser is to also uh ya for the rainings day you don't know what will happen and then that's why people get insurance also to cover themself


so ya ya everything is about money, and, you have to discuss with your partner depend on uh personal and a partner income also to work together, what about you #yu ting#


, okay so, okay uh in the post of COVID world what changes are you making in terms of your spending or saving habit


during this, post COVID world, this one is I think is on the


in the post COVID world okay I I share about myself what changes in term because post is means after is it, oh I remember I wrote something, okay anyway during during the COVID nineteen right I think I spend lesser also because


you are staying at home cooking and then you you hardly spend unless like you are shopping online because during this COVID nineteen I feel there's a lot of uh sales going on so you it's very tempted to go online shopping and when online shopping you will tend to shop more also


and then post COVID world I, I'm I think post means after after wise because now the market is you know everybody's trying to look for a job, so


but the sales is still going on everywhere so we will I will still spend but uh, I will think about is a need or want, and,


oh okay oh okay okay , okay, can then what do you think about the financial independent retire early


how can one achieve financial independence I mean you have to work really really really hard lor when you are young, and then, you have to put your money investment so you can you know if you want to retire early you have really to set a sum of money and also depend on


how much a month after you retire you want to spend``, I mean for this , I would I think uh yeah uh #yu ting# you continue


oh oh !wow! sound,


ya same so so what


ya, uh ya for me too because yearly you still have to pay the annual fee also, and then is actually to encourage you to spend more unless you have a have a big bill to pay leh then sometime you can waive the their annual fee so what advice would you give someone in order to retire comfortably


K I still so is saving, , I think CPF contribution, there's uh good and bad I feel the good part is uh for for the next time because there's uh three different section is prepare for your hospital also and also buying houses so actually


unintentionally you [oh] hold on we need to save first


okay done , okay so negative experience,


I think what what frustrate me most is uh when internet connection is bad, when you know you're trying to load load your drama and then they just watch on the most exciting part and then it just stop there hang there


or when the wifi is not or when the wifi is not working like this morning everything was okay yesterday and then suddenly the wifi couldn't connect I have to restart everything so I think that's a very frustrated it's like it just spoil your day


yeah and and I think the most important thing nowaday is wifi , what what about you


ya ya actually, actually uh ya a lot of thing that frustrated us, other than that like our parents


when they come and nag at us, and then when it's not your fault also so what is the worst thing you witnessed and you kept quiet about


me, I think witness