ya because certain rebates actually uh, it makes you want to spend more also like they give you fifty percent off at certain restaurants or certain area, so you might think that oh I'm actually saving money but at the same time you are actually spending more lah


it's fifty percent off, ya true ya correct, so uh how do you uh, pak what do you feel about credit cards yourself like


ya but I I mean many people don't think that way because uh, uh having a credit card actually, uh, gives like like I said gives them a false sense of uh purchasing or spending power, ya so, I mean that's uh to me that is a bad mindset to have whereby uh you you have this mind set of


you're already in like, plan what to buy before the money comes in, we have ya, ya a lot of people have that mindset whereby like before their money come in okay I'm going to buy this I'm going to buy that I'm I'm I'm going to eat here so


ya ya, you already use your money before it even comes in ya, ya ya but I mean like uh like , a lot of people who have credit cards you see them


uh, like spending here and there like you, give them ah ya, whereby at the end of the day when the salary comes in they won't have any money for themselves and they use the credit card again


and it uh it had ya, ya and it it it accumulates, ya yup ya true correct okay so uh


ya ya ya ya go on go on sorry, uh to my knowledge uh one of the things that can off set your income tax is actually your insurance uh that is what my insurance uh agent told me whereby


not that you don't have to pay but you can reduce the amount it's not significant it really depends on how much you pay your for your insurance like for example when mine hit uh hundred and ten every month uh my insurance agent told me that I could actually enter my plan into my the IR IRS website and I could get a certain amount of relief


or you when you actually contribute to charity you can actually uh you can actually submit a uh tax form and you can get uh ya income tax relief I mean even as an ya you, even like being an NSF you actually have some income tax relief uh I I mean if you know that because you are considered serving the country in a sense


okay ya, negative experience


I I mean we both know that uh the dark web exists, ya ah ah touching on that subject so ah, certain things that uh uh I mean I have google and research on on the dark web whereby, I mean not too, uh


insidious but uh, one part of it is the, ease of actually, uh obtaining, I mean I'm not sure in singapore but other countries whereby you can actually purchase guns off the web, and it cannot be trace ya


I mean is it it, ya I'm not sure about that, but from ya, but I mean the I mean the people uh they, clearly have no good intentions and uh


giving them access to actually purchase firearms, uh without being trace actually uh it's very scary, and I I mean it it gives me in a sense goose bumps, whereby uh knowing people out there uh and you can actually hire people to uh


!aiya! sorry to !aiya! it's it's it's quite scary ya


I did something wrong, uh I I would touch on the subject of my N levels, uh okay so basically, meaning I did something wrong in the sense whereby I didn't study for it, I I played truant I


I, in a sense wrong meaning I did wrong by my parents, by actually , not studying and, I, actually going for the exam in the first place, but subsequently it actually


uh , so I thought there wasn't any way out after I actually did the paper, but, at the end of the day it actually turned out nicely lah


uh actually I do of cats ya I used to be uh scared of cats uh ya I get I I I I would describe it as


uh phobia in a sense whereby I won't even go, uh, one feet near a cat or two feet or in any if I see a cat from a distance I will I'll actually run away, but there there wasn't any bad experience behind it but I'm more towards


uh I'm just assuming that they will scratch or bite me so I, my mom was the one that actually helped me overcome the phobia of being near near cats uh where whereby whereby I was actually forced to sleep over at my mom's for eh my mom's friend


house, uh and she has a total of I think anywhere between fourteen to sixteen cats, ya and she told told me to sleep over at uh her friend's house, there uh no her uh I mean she I don't think she knew I had a phobia but I acted brief like uh ah I can uh no worries I I can be here I can be here but deep


inside I was actually swearing at myself, so, uh uh after spending a night there, uh I I actually felt much more safer around cats, but uh, ya I actually slept but the cats were like all around me


oh that night I was taken to the hospital because I I, as I found out after that night I'm, deathly allergic to cats, ya so their their, ya at this point of time I I can't be near cats because of uh


uh their fur will trigger an allergic reaction, uh to ya to me so I I love, cats that are at home like uh like


that are tame that are uh home home based cats in a sense ya but not feral cat like but not cats under the block and all that lah, (ppc) how about you


to touch on this subject what uh is an issue that you feel upset over


because you feel the world needs to do more about it


for me it's, uh the fact that, there are people that are still hungry, uh in a sense where their families they don't have enough, food, uh like for example people in third world countries whereby


we actually have enough money in a sense whereby to help everyone, but uh due to, I I mean it it's based on greed and, uh wanting more


there are certain people that actually have, more than what they need or more than what I mean you can base it on the fact whereby people actually work hard to get what they want but, as a whole the number of people who are wealthy


are actually able to help those, uh, uh uh the less fortunate ya, because the accumulation of wealth in the one person it to me it's not justifiable whereby , the world can do something about it whereby it's, uh spread accordingly (ppc)


but not to a sense whereby uh, the people who actually do need the financial help, uh, they they they feel entitled to it, it's it's a token of, uh like, appreciation in a in a sense whereby uh they are already somewhere


uh or at a stage or have the power to do something, and they do it qualitively, the world can do something about it, but uh, people do go hungry people do die because of


uh like, being famish or other other poverty, ya uh, uh to me that that that shouldn't be the case whereby if we have the mentality of helping one another, uh ya


people will still be alive today ah


ya ya ya go ahead go ahead, uh financially yes uh I mean there are a lot of titles


with uh so, uh, there are certain times when people come to me, okay I I I'll describe a time, so uh someone actually needed, uh help in, in a sense to


pay their debt, but I couldn't actually, help them because I didn't have the money to do so, so I mean of course I I feel bad about it but uh, there's nothing I could do at that point of time


but I mean I did, try to, talk to him about uh, uh ways to actually maybe earn more money to, help settle debt but at the end of the day uh, that's all I could do lah I give advice


would you kindly describe an event that made you very angry


uh so for me what made me very angry was uh when, I actually uh uh , fell down a flight of stairs at the MRT, and people just walk by


uh uh, uh only this ah, old uncle was the one that actually came to me and like !hey! are you okay do you need help but those uh strong able bodied, uh people just uh like look at me and continued walking


so, it's either people don't care or don't have the time to care is it like it it just goes to show like, how much, uh the the the society is like people would rather just


maybe take a phone to record or just watch and just like !wah! I wish I could have help I mean maybe it correlates to your incident lah more or less ya


ya I I I mean it's not it's not the fact that no one wants to help but the fact that, uh, those strong able bodied people none of those strong uh able bodied people didn't bother to help but an old frail uncle came to me and like help me up to ask eh are you okay


positive experience


for which question sorry , okay uh, describe a moment uh okay so basically my N level results, ya uh, I actually thought I would uh flunk my maths paper and


I mean because of the pressures that I get from my family members I thought I was going to actually, uh, fail my N levels like uh certain subjects, uh, I mean I actually cried uh uh ya, uh I I I actually went with my


I went to my friend's house to actually research the certain ITE courses that I can, go to and I called up my teachers, asking them like uh, how did uh uh how uh ya advice and how they think I would fare in my N levels like uh they they said they they couldn't uh do anything to help at this point of time because like you already wars over


and done with it but I mean uh, till the day that I got my results I was actually very anxious panicking, but on the day itself itself I found out that I got uh pretty decent decent results to actually promote myself to uh sec five and to


take my O levels, which uh which I actually regretted lah because, uh, there was certain ITE courses that I wanted to go to for higher NITEC but uh my family didn't allow me to actually hit to ITE due to the uh


due to the stigma that uh , singaporeans have of ITE back then ya whereby they actually said it's the end eh ITE stands for it's the end but I mean it uh, that's not true because a lot of people that I know of


uh actually from ITE head to the uh diploma program and are pursuing their degrees, so like certain people are , have a knack for, theory certain people have a knack for, uh hands on work uh


so it actually just boils down to the person lah, and like, personally for me I think I was forced to uh , go to the O level route which I didn't actually want to


ya I mean uh not to like uh toot my own horn but uh I actually uh without searching I got uh, like uh, in a sense A one for my english, which which all the teachers were actually shock lah because I I I'm the one that usually sleeps in class during these lessons


uh ya, not not not not really shot them in the in the face but but more of like okay I can do this lah you don't need to tell me what to do, uh ya so okay


for you uh what is your biggest blessing in disguise


did you, not see as a blessing, but, one day realised that it was actually a blessing, like it you don't even anticipate or uh, see it as a blessing at one point of time but over time for example if uh when actually you hit rock bottom or something bad happens


uh, here comes a saviour or something ya to save you actually


ya I mean for me my biggest blessing in disguise is uh, my family, because uh, I, growing up in a difficult childhood I would always resent my family in a sense, whereby I don't think I'm getting the support and love that I actually need


but uh over time when, uh things do get tough uh, they were always there for me and supported me through I mean not in a way that I, expected them to or wanted them to but if I look back uh ya uh


they've always been there for me lah whereby they've uh ya in in a sense tough love whereby uh, they, they might uh reprimand scold ya, in a very mean or and not not not a nice way that actually shows love but there there's actually care behind it


uh you will always need I I mean one thing I've learned is to put yourself in, uh another person's shoes, so for example if your mum actually uh, keeps on nagging on you uh, uh day to day about uh what you do wrong here and there, its most probably because uh uh she wants you to


maybe she wants you not to be like her or go further than her, in a sense whereby uh there are certain mistake she made as a child and she wants you to avoid it or there are certain, turmoils that she face and, she sees that you are going down the same path as her


and, ya she wants you to be a better person compared to her but, because, ya this will uh boiled uh like go into the family's authentic whereby the way she is brought up maybe


that's why she doesn't know actually how to approach you in a proper or nice manner, so she does things uh only on how she knows or what she was taught so you can't actually entirely blame them because


just as how she was brought up that's and you are brought up there are certain ways on how you actually talk to people how you interact with people at the same time


ya but you, ya ya, but I mean like one thing you need to keep in mind is that they will always have your best interest at heart lah, or or not you wouldn't even be born ah ya


yup uh okay uh what, was one thing that you actually hated, when you were a child but now you will actually like as an adult


interesting


uh for me but I I would say coffee, yup because I actually hate coffee when I was younger because of the bitter taste, that uh, it it it gives you so


uh, I mean it it's a part of uh in a sense life whereby you actually get more tired , from doing more things as you grow older especially during work and me being in the F&B industry I'm exposed to different kinds of drinks cuisine and I'm dependent on coffee to


get my day to day buy lah, so it it, gives you a boost of energy when uh you actually low on


ya to start the day to jump start the day or not it will feel a bit awkward or its with a bit off, ya, and you you won't get uh things done right or proper lah in a sense


okay, so okay I I am interested to know this uh, who in your life do you look up to most and why


for me it'll be my uncle, ya, so because, uh he's the kind of guy who has uh he he he's quite he's very highly educated he has a very good job position in life, but he doesn't uh


label people in a sense whereby, uh, he doesn't see people as beneath him he will always treat people with the same respect he gives everyone, and he will always give uh people the benefit of the doubt, ya and ya and and and he works


hard also so, that's uh why I look to him and and admire him because of his uh ethics that he holds within himself, uh the principles that he'll I I mean not all that I admire but certain


qualities that uh ya I would like to emulate lah, , ya you you can say so growing up uh we grow side by side lah


we live together for a good uh you can say fifteen years, more or less, ya so he he's like my buddy in life also lah


uh my friend my brother


my perfect day is to, okay my, my perfect day it uh would be to actually wake up


do my uh have uh I get to do my own stuff, meet my family members, meet my friend meet my, it uh significant other my partner, and, then meet my friends meaning, uh getting the time


to actually spend time with uh all the people I care about, that would be the perfect day for me I mean, ya it it it is tiring but when I am spending time with them it's like you are you are in the moment lah ya


with your own voice or someone else singing


uh finance finance related question


so how do you plan to invest your money to accumulate wealth or planning for your retirement uh elene


uh don't really for me accumulating wealth like isn't like a lot of money ah so like to me uh insurance is enough cause you can still earn like some money back and I ask some of my friends they they do like saving accounts for their insurance to plan for their retirement


ya, uh like Prudential savings account that kind something like that, uh work like part time as a student ah ya you eh okay okay so uh what strategy ya you say first you first


I try to save as much ah so to me what is important is like transport and food lah and some things that I won't feel bad in spending is like school equipment so the rest I try not to spend too much I like control a bit ya


you eh then you eh


, , okay uh, what what do you think of FIRE the finance independent retire early


oh pricey right, ya quite pricey


cut down I guess, they say like singapore is the priciest in terms of like car or like housing, housing also, cause housing is a need


I think like if I has also like an end goal ah like a long term goal it's like something that everybody want to achieve, ya if you want retire early lah or do it forever , so that's your for for me ah same same ah


ya , oh depends on spending power cause if, you have that money right then you it's good lah cause you can earn stuff like rebates or like points et cetera but like if not then there will be more financial burden like you owe the bank a lot of money and it's a lot of money ah and you need to spend like a certain amount to get all the rebates and stuff


ya just ya lor can I think debit can lah cause like just play safe like owe anybody money ya for ya lor I mean that's what I did ah cause like I just think that like


it's better to to not owe money than to like earn more rebates and points [orh] cause it's not important ya it's just personal thinking ah ya true, what advice would you give to someone in order to retire comfortably


uh would you for,


, I think we can like start not we lah but generally like like it's not too late to start a retirement plan or and like for me maybe as soon as I start working cause I don't really know my income also and like


how much I need to spend that kind of stuff cause it's different I've always been a job as an adult as uh compared to a student so maybe, start to plan earlier [loh] , just ya like even the uh transport ya so


and like you might need to support your parents also !wah! Sian cause I'm a only child yes ya my god ya


!hais! , so how do you like manage your CPF saving or what advice would you give to someone to maximise their savings


save ya, cause we work part-time right, , but I think I heard that there are specific methods or I haven't really like find what are the methods but their ways to like maximise but personally cause I also like you right I don't really have much CPF


to us to, uh subjective ah I think as on a government's , initiative ya it is ah cause it makes you save for your retirement or housing but I feel like a lot of locals don't see it that way and I hear that like not everybody can


get back their money if like they don't like write their will or they don't like handle it properly so it can be a good or bad thing but I think in the big picture it's good lah it's just that there's a lot of mishaps and then a lot of people don't really see in that way so it's subjective ah what about you


oh true true


would you like invest in CPF, safety lor, ya [loh] ya safety net ,


how would you okay you say you say you say you say , uh okay so I think, can save by like not having a car or like try not to stay in landed property or condo I think they like incur more income tax as compared to staying in HDB that's what I found ah you eh what do you think


oh okay I didn't know that (ppc), uh what sorry


the question I ask before is it the about the CPF thoughts on CPF, oh oh okay okay uh how would you make a financial planner investment portfolio for your family or children


is it what financial consultant right ya , ya ya same


ya sia cause got your future in your life so need need to would you would you like would you consider uh going to a insurance agency cause they're in a way a consultant also but they are more focused in selling insurance and instead of investments


right , the ya the company right so you prefer like the bank kind of consultant financial consultant ya same same ya cause I I think like insurance it's just like one


one package only what and I want to focus uh like life as a whole like, family whereby insurance sometimes they have like the car kind the travelling kind then very <mandarin>麻烦:ma fan</mandarin> ya okay uh you want to ask


uh I don't really give myself like a limit or goal lah like I just have the mindset to like achieve uh as much saving as I can lor then


I don't really have uh habit but I have mindset lah like behavior like when I eat right I tried not to like add uh upsize or like add extra food or like , those like one dollar for cheese fries kind of stuff I I can live without it lah so okay lah I just


save money like little little bit like that then okay I think like jason ya ya something like that cause like I say right I don't mind spending on food and transport so like with that I also try to cut down furthermore cause uh that's the only thing I spend less on


lah and then I mean there's other stuff that I spend on ah but I also control that lor, like buy when I need to buy ya you eh,


true if you don't like watch out for what you spend right, , I mean as compared to ten years ago then I'll all the #ah ma#s still use the what is it called the no they want to put the bank note eh not the note the book ah I forgot think they die die want to do that thing I forgot what is it called


the bank book thing right, well you get what I mean right ya I think they still use it sia then like so <mandarin>麻烦:ma fan</mandarin> like a lot of, #ah ma# like go #toa payoh# they just die die want to use that I mean there's credit card but some of them still quite stubborn or reluctant to like move on lah you know ah maybe your time ah


they probably think like oh very complicated to like set this up but it's easier right ya lor they need more time cause you can, ya you can see everything in one go what just need the token only


okay so uh what's on uh financial advice that you give to your to you five years ago


anyhow anyhow whack


so , so what if you can tell yourself something what would you tell yourself, ah, ah okay


I wanted to move out for very very long lah I think since sec sec two so like I know that housing is not cheap ah like !wah! like the price especially like central or like southeast !wah! it's next level and like


I low-key don't want to stay in the west then north maybe not like !wah! the travelling time is super long I rather spend more time eh more money, on uh a location that is easier to travel at so it can to you get to save more time in travelling ah so like I wanted to save


uh when I was young lor it's just that I don't earn money cause we are too young to also do part time job right so I, I know I did what I can ah but I still like uh I'm still not as cautious as my spending so probably the same as you lah it's just that like I kind of know what I wanted since young it's just that I don't I don't get a lot of money so I also cannot go anywhere with the amount of money that I save lor it's just like a few thousand only


something like that but it's not a lot of money so like no difference [orh] ya it's just a goal only,


ah post COVID what ah, to me like no difference eh I know it's like food only cause like no we don't really go like school as often right


then uh by like the way I spend on my food is more different [orh] I don't really eat as often, as as when I'm in school ya, and in school I think anyhow buy food lor got craving during lesson want to eat this


oh ya sia !wah! never thought about that probably cause uh they say they say cause of this COVID stuff a lot of people will spend online right uh, I just downloaded Shopee lah but I think I try I try not to


spend lah but probably uh cause I cannot all the shops that time circuit breaker all closed what so have to buy online [orh] so maybe that's the difference, but (mmhmm), right right uh the stupid lockdown stuff


I tried to give myself one day cause I know like uh one of the marketing technique is like giving you time or like you know, the sales thing some things I do is like you know you can like the product then you can keep track so let's say I like this thing right then I just wait for it to have a sales then I buy so it's like way cheaper than you buy in the original thing


so that that is the time, that's the time I'll buy in sales cause you know that that's the only time it's damn cheap ah and like just just Chope like !wah!, it's cheap [loh] so okay lah but otherwise if I just see a product that is just on sales right I don't know if the thing could be like on sales for one month already still on sales than that one like


anyhow what so I have to see how lah ya you eh, are you tempted by sales okay okay, I mean cheap mah and then like a lot of people review then like okay lor looks good then just try


uh, it it , you want to ask ah [orh] okay okay uh okay lah this one a bit, far ahead but


how do you think you want to manage our financial commitment before and after marriage like if you're talk about


uh you want me to share first okay so like as of now right it's just, each other lah like whatever I earn I spend ah then whatever the other party earn they spent but I think after getting married right you need to combine your money what end did there's certain allocation ah I think like if I don't know how your parents work but


sometimes my dad he would like give certain amount of money to my mum so I think you need to uh talk about that also and expenditure what cause you all live in the same, same house everything right your expenditure would would roughly be the same like electrical bill water bill right


so we have to split the expenditure like uh discuss who'd who'd cover what expenditure and like have to control your finance ah to fit each other's expenditure and based on salary cause we don't know who's, earning more than that who mah so that one need to discuss also


ya you eh, (mmhmm)


oh okay , okay


uh discussion regarding negative experience, okay uh you want to start first


okay so is this is actually in primary school lah so a bit embarrassing but (ppc) I think like uh I have some friends but they are like a bit


they they get jealous over little little things ah so like uh I think like, think they were jealous over something small then (ppc) they went to the counsellor the school counsellor then they said stuff like a certain things that I didn't do lah like let's say like


they (ppc) want me to follow them but then like I was a bit slow so they they say like oh she don't want to follow me that kind of stuff they they just accuse me of stuff that I didn't do lah then, like one day they just bring me to the counsellor and then, I didn't know that they already told the counsellor so the the two of them were quite angry then (ppc) like they just the they just retell what they told the counsellor right then the counsellor just asked me the same question then I had to


like admit to what they say I did cause the two of them was very angry and then the counsellor also like side with them in a way like she never , to me lah like she doesn't seem to like read the situation lor or like like I was very fearful lah cause they were so angry then like I scared if I say no right they going to like look for me after this session or something lah so like


they were my close friend in primary school so I didn't think that they would do that and then they were making me admit to something that I didn't do in front of uh like an adult so to me that was like, betrayal and like we were in primary school eh so like !wah! to me it's quite big [orh] cause still quite young mah and then I still remember it lah cause like


friends so that was my experience ah you eh


oh then they never tell you what happened right like (ppc) then they just leave you in the dark then they just don't care about you right


oh oh, bro like they no mind sia they only follow the leader and what they say


obviously it's, ya oh she manipulative to the leader some more you all in primary school right


oh my god !wah! shag sia childhood friends eh, (ppc) , okay describe a time when you were heartbroken


so if for me her it's my mum [orh] cause like


uh it's just she don't trust me ah and this happened since I was very young like I know that I'm not the kid that like, act destructively or like spoiled I know I'm on my best behaviour lah and I really really like love my parents so like I never had any ill intention and I thought that she will trust me cause I know that I'm a very like good kid lah


then she say she trust me too so in primary school right when I was p three that there was this english teacher he gave us like little books and then, it's in a way it's like a diary recount but it's us to practice our writing day to day ah so like everything that happened in our life we just write down then he will like take back after a week then he will mark or something ah so cause he mark right so it's just uh I just don't want to keep it too personal but


enough for between me and my teacher ah like things that like I think it's okay to share cause sometimes you think it's okay to share with your school but you awkward to share your family right, then like the way I write also like quite embarrassing for for I don't want my parents to read lah but I know my english teacher won't mind cause like he's english teacher what so I told my mum lah like oh you don't don't read this diary ah cause it's personal and then she say ya okay lah I won't read


(ppc) and then I also lucky I didn't write anything personal it's just like small small stuff so like I thought she really won't read then like the room that we were sleeping in right it's like something like, the vanity table is in front so when I walked in right I saw her back her facing me lah but she had like


my diary in hand and it was like reading through and then like I quick I quietly walk out lah cause I don't want her to find out that I know but like, that was like quite young lor like nine years old and like she say like oh I trust you ah I won't read your stuff but in the end she's doing the opposite like she obviously don't trust me lah and like I heard from somewhere that she say like oh kid mah you must make sure that they don't go astray so you must like control them or something so


(ppc) I know that I wasn't well behaved I I know that like I did my best to be very well behaved already but she's still don't trust me so to me like that was heartbreaking lah cause she also lie to me lor and like she didn't keep her promise lah, ya, uh you eh


ya ya your day to day support mah, talk to heart to heart also


and like there's you think that there's no reason to drift apart right cause you all so close and then you all clique apart like you don't see a reason to drift apart


oh okay okay


you you feel like you did something wrong right cause like suddenly she click with people that don't even like in the first place and then she don't even tell you sia (uh huh)


a bit weird lor cause she she also don't tell you what happened right, so you like keep suspecting yourself I get it ah can I ask the next question


, there's no like particular time that I remember cause like I always feel like giving up so


uh to me maybe the one that hit me the most is like, the ones that take the longest amount of time like you tried for years and years but it never work ah so there are a lot of things ah but I won't talk about poly cause poly only one year right so I was I'll talk about secondary school ah that is like


my CCA is gymnastic right so flexibility is one thing cause a lot of them started young so they don't have to like, uh go through the the hard beginning now eh but I start like much older so I had to like


I've to put in twice the effort lor and there are some things that like I I tried for like !wah! like four years but I still, I still not flexible in that area lah and like I admire the rest [orh] cause like they they do it they start since young what so they are able to do it effortlessly and


try for so long already but I still can't [loh] and this just CCA right even in school like even in math I don't I'm not super good in math and I know that math is important cause like, O level right if you don't do well on math you can go ITE, then like just just try lor like some people are gifted what and math is important also and math is just not my stuff lah and like


something that I've been trying since primary school but still won't really do well in so like ya lah day to day to felt like giving up cause it's not something that I enjoy also but have to have to work hard [loh] cause O level mah ya you eh


a'ah [orh], oh yes sia


!walao! eh cannot compare, it's not fair, it's so asian thing though


that's messed up how dare they say they don't even recognize your efforts ya (ppc) ya ya if I were you I'll give up too cause didn't recognise your effort what and and everybody keep comparing you also (ppc) quite toxic I would say


(ppc) , I ask ah describe a moment when you felt like you were treated unfairly


(uh huh), (mmhmm)


oh so he bring that out on you !wah!, unfair sia okay for me , !wah! I don't know what to talk about cause there's two that like they both matter to me so first one is again secondary school okay sure


the first one is is no lah okay I think that one is very normal lah like if you're in normal acad right people would treat you differently and like in normal acad the express and normal acad NA so, today it's quite common ah but it's something that


I've been through for so long that like like it's part of my life and it's part of my habit it's the way I live, I think cause like the express right they the way they speak their english right they think that they're like high end or or like they're just more well behaved so like


we're a bit more rough lah like when we curse out loud right then they they look at us like animals or like that kind of thing then, they're I think they're very good in studies but we're better, in sports ah cause I think NA mah like not that not that


not that good in uh theory so like they like to like how to say when we combine class right they just try to like, when when we discuss they can tell that they like they don't show ah but like they just like look down you [loh] cause they think that you cannot do as well as them and like


it feels it feels like you know those america those race like those, colored skin and those white supremacy it feels something like that like they already live like that for a very long time but not as bad as like america but it feels almost like that like the segregation just between streams like it feels like a race thing you know that's how it felt like lah but


it it's very common ah but then again like I've been living it for so long, that like it's part of my life and like it's mindset already so like I think is worth mentioning ya, ya got used to it like I automatically, think myself down when I'm with my express friend cause like it's uh it's a thing we started since sec one mah so like we like we just think ourself lower like we don't do we will obviously not do as far as express it's uh it's uh like thinking already lor so ya the other one I want to mention is


quite recent ah it's the it's the people who get cheated uh unfairly cause of the, frontline worker uniform like the SCDF right they wanted chicken rice but then he he say like oh you just put on the floor and then I take cause he then he knows that a lot of people like don't dare to touch him or like the nurse who whose daughter like Kena like


sprayed the hand sanitiser or something cause like, the person is a nurse mah then like the neighbour keeps cursing cursing at them so like uh, there's a period of time where we whereby we had to wear our uniform to school then


it used to be not a problem like can just wear, you can just wear to school and come home in uniform but now they encourage you to change ah and then , going to school <mandarin>麻烦:ma fan</mandarin> cause in the morning who got time to change right so most of them most of us don't really care but even as a like student nurse right we still like we still get unfairly treated just by wearing a uniform even though we're not even like proper healthcare worker yet but


like you can tell that there's this group of people that really like they scared of you or something lah and they just, like they sit away from you like nobody want to stay close to you that's what my friend say lah but to me I wear a jacket over so it's not that bad but I still hear about incidents from my friend who is wearing uniform and as a student they still get mistreated lah even though it's just a uniform so


like uh , it's around that station ah like #yio chu kang# mrt uh like walking walking out of school ya so, my friend say they do like in the bus they just like ah they just look like they just don't want to get near you cause they don't want to bring the virus home it's cause of the uniform I don't think they know the difference ah but like as in you can see how powerful


uh piece of clothing can bring to uh society ya, that's it lor you want to ask the next question


okay so, actually a lot but I was very violent right last time like scratch here scratch there , then I scratch it until like got got remember there's this like triangular patch of skins gone


it's cringey ah but then like !wah! I can't believe I used to be so violent I think like violent in uh like fun like not fun like just weird way but I cringe ah cause like I know a lot of people don't like lor and like uh I very like into Anime so


like you know those fan girl like you know those BTS that kind then they like a bit too much like you want to fight over ah Taehyung is mine oh my god no Jungkook is mine that kind of thing , it's just like a phase right so I had that phase not with BTS lah like if anime then like a lot of other girls also like like anime then they like to fight over like fictional character then like you will think about it quite cringe ah I think it's just like


those secondary school age like I think once you get over it's okay but I still cringe ah cause, , !ee! you eh what what do you cringe about


(ppc) selfie , oh really ah I thought you just like also, anyhow tomboy ah


oh oh, but tomboy is different what tomboy is like you're trying to be a guy what you mean like the and, anyhow ah ah okay okay okay


, okay lah at least yours is like appearance mine is like actions ya , ya okay it's the past already so uh what keeps you awake at night


it's my sleep schedule [loh] cause like stay up for exam that kind of stuff right then it's very hard to like return back so school lor you eh


ya, but you always have troubling matters meh, oh for me it's for me mainly it's school lah over more school than troubling matter


uh, positive experience question, okay (ppc) uh


okay we start with the first question ah describe a time when you were helped by someone in your time of need,


oh (ppc) okay that's nice, for me right uh, ya important what cause if you don't pass english !wah! I cannot go anywhere sia ya sia, so cute oh close friend ah


oh nice nice, uh okay do you remember when we worked in the retail at orchard, so they were very hard on sales ah and like, even though I'm a part time they still like the one of the manager still like pressure me then I'm still quite young mah don't know how to handle this kind of stuff


then uh I think I was very stressed but then like I just pretend to smile also uh cause like business mah then I think this customer was very nice, then she like, she actually ask like oh how are you doing then she's the only customer that ask like how I felt and then !wah! like I uncontrollably like not very nice lah not very professional but like I like cry lor then


then like she like worried lah and then like she's a customer what and a stranger but she's still like nice enough to like comfort me and like she gave me tissue and like I really appreciate like your friend that kind of support but support from a stranger is like the least expected and like it's one of the most


memorable one cause like it it just give me faith in humanity, [loh] like there's still some people out there who is very very kind then we like exchange like contact and until now we still like have each other's contact lah ya ya, so !wah! but (ppc) because a lot of people they just buy then okay bye they don't really care about you cause sales person right but she like ask then I like !wah! then I just like told her how I felt then like !wah! she comfort me lor so that's that's one of the


times I remember lah , ya ya sia especially singapore, can I


okay what was the best meal you've ever had (ppc) best, meal ya, (mmhmm) me, uh okay uh it's very hard for me to say best cause like the way I rank my meal right is the way I appreciate the value so some meal might be like difficult to make ah and some of them have more skills they have


more passion like they're chef right obviously the food they're going to make is good but there also the people who like take the time to go and make or they put in a lot of effort cause they're not very professional so , it doesn't taste as good and as professional as to like chef in hotel that kind but you can tell that they really put in the effort and like


they are very thoughtful ah the sincerity is there so to me it's very hard cause they're both good in their own way you know like the chef they have the skill right but they might not be as emotional as, the ones that like take more time to do it lor so


to me I think I appreciate the one that like really think about it lah like they make the food out of love that kind then I think I like I prefer that over the the more professional kind and I also rarely eat like fancy food so that's why I had that preference uh you eh


(ppc)


so it's like, rare, like bonding ah chinese new year confirm right but that one is more like relative kind right family and your ah


okay okay so cute so heartwarming okay (ppc), ah I like to I prefer to talk about giving ah so the gift


I give wasn't like wasn't like pricey but last valentine right like I used to I very Sian ah you know every year single then I was like !wah! why everybody have to like give roses and chocolate to like your lover like why don't we just like give love to like our own friends who are like supporting you like


day to day and they have been your friend for so long what like why not just give them some love lah so I was thinking like just give like handwritten letter and then like just post it like a few days before valentines so like come perfectly lor, ya I thought I got send you no meh so ya so I


think like to me thoughtful and like personal gift is like more to me I appreciate it more so so uh, I I I I enjoy doing it lah like it feels good to do it also lor and like


maybe that's one of the best gift I did uh last year this year like, valentine like got COVID all where got time to do this then circuit breaker so like quite hard lah but ya you eh,


okay, !wah!, (uh huh)


do you like do you learn to embroid or you know how to embroid all along, oh so cute like you you find the it's no lah it's cute lah but it's nice ah I mean you find like the time to go and do all these stuff and like I think embroidery not easy like you need a lot of time and patience to go and do that


oh words okay okay ya, some more need to waste a lot of paper like you write halfway eh not nice then you throw away ya right, (ppc)


and like I scared like I say one thing then I missed out like other thing or like I cannot convey everything I need to say in like one letter or like they think like oh why you so emotional some people might not think that way lah if you're not like super super super close with them ah cause you all from work right ya


also okay lah I think the socks one also cute idea, , uh do you go concert one if not we don't talk about it ah do you go concert can or not we skip the question okay okay then we don't talk about it okay the question


describe a time when you laugh too hard,


uh like you do ah TikTok isn't it Musical.ly that time ah okay, I like the cringey cringey kind ah so cute


come in right very awkward sia like even now when you do (uh huh) (uh huh) when you do tiktok halfway then someone walk in then like very awkward , I have, ah true true secondary school mah


(ppc), I I think I always overly laugh like I always cry when I laugh but one of the like like weird weird stuff that I laugh over is like one day like me and my friend was going home then the school gate outside sometimes got this trees then like you know the the bird that always like


like something right so like quite loud then I think I quite high so like the bird like call right then I mimic the cry then the bird call one time I call one time, then we shout we shout until until the bird like shout shout then the bird eventually just like keep quiet ya ya I think the bird ya


then I I laugh cause like in the end the bird keep quiet sia like what I think the bird I think the bird took it seriously ya that's why , then then if initially my friend think like oh crazy lah but when the bird keep quiet then like !wah! that one next level cause like that one then unexpected


sia [bah] ya lor so that that is the weird weird stuff that happened ah but I still remember cause bird sia so ya [loh] that's the, thing ah for me it's still it's also in secondary school but it's a different kind of thing [loh]


(ppc) okay, so describe a time when you took a risk and was rewarded with success, oh very mainstream lor I think like cause I I am doing nursing now right so it wasn't like uh my dream course lah but it's like a related to like the subject that I'm interested in ah like science medicine that kind of stuff


and like it wasn't uh it wasn't like something that I really want to do or like really really like it's just like, okay okay so just join and then eventually like I start to like like it like I think like it's uh like good job lor cause it's in demand and like the job security is there and some of the nursing job pays you more and like now got this COVID stuff right I think the government pay pay out more for the


front line worker so I think like not bad lah I think nursing as a job, like can earn a lot and if you migrate right I think like it's very easy to find, like nursing job also (ppc) more right even higher right ya so like (ppc) initially like when I just got O level result I like !wah! oh don't want do this course then like in the long run I think good lah like the money is there and


like security so that to me, very mainstream but I think it's one of the biggest risk and biggest success also lah you eh (ppc), certain risk right unless you're damn sure but there's still some risk lor


oh (mmhmm)


oh by robots right ya I was thinking about that too, can do it ah (ppc)


, then what is the success eh (ppc), oh just the manual kind right can punch out


oh like flexible (ppc), and then if you go uni right like you can branch out to like other like it it's very powerful but I think the course can like open a lot of way in uni


(ppc) ya ya some business course


ah okay okay cause basic right so they go through everything somewhat ah that's cute that's cute, ah same same somewhat cause right okay (ppc)


in life there's a lot of thing that you need to persevere but to me right, I feel like my life really like rely on or it's, about education ah cause we still student right the only thing that matters to us the most to me is education so like my what makes me persevere always change ah so uh okay I start when I'm young lah when I'm young obviously like you kid right all you want to do is to like please your parents you want to make them proud


so primary school lah you know I just want to win win some award or some pass some exam then they all happy then they can share their uh with their friend but (ppc) eventually like that's primary school right then, secondary school was like just to do well for myself lah I want to pass I want to perform decently lah like I just don't want to feel useless ah I want to prove that I'm useful to myself lah then like eventually it's like


I just competitive lor like you know if you like if you have award right I think it's good for your resume or something in the future , then to me ya ya portfolio then recently uh it's like I just scared to fail [orh] so that is my recent like thing that persevere lah I just don't want to fail lor then I just uh #jia you# lor


you eh (ppc), ah right , it's it's good to me I find that it's it's good to like set higher expectation on self cause like if you set high expectation you still like far within that range what and people say like oh it's


improve like you push yourself right at least you know that you try lah and a lot of people say like oh like don't overdo it like it's not healthy but, to me like the end goal is what that is matter lah even though the process is not very like good and healthy cause you keep forcing yourself right you might like push yourself to the limit but I think that at the end of the day ya ya it's good to to push yourself ah and like and then (ppc) then you still like


you know you did your best what so like that is the best you can do really lah so you don't feel good lah ah I do feel it feel good lah ya, (ppc)


oh got paid off right !wow!, , oh okay okay motivating factor,


ya, o level understand understand, okay I ask next question ah, in the post COVID world who or what are you really thankful for or appreciate towards towards


oh to


cause they have to like move everything online then like make sure that it's still works and understand !wah! cause to me like history all it's so hard to under it's harder to me to for for me to understand lah cause when they teach all it still it feels like they are watching


uh what a lot of oh ya ya technical problem right, oh that's nice cause (uh huh) you say you say you say , I was expecting like those like main mainstream I was expecting you to say those like mainstream stuff but eh okay lah I didn't think about that apart from those mainstream stuff so I think


like I saw this somewhere lah but that was before there were safe entry so you know there was contact tracing like oh this cluster that cluster but there's no safe entry yet so whoever this is I think it's a government agency right I think they're like unappreciated lah or like they're underrated lah cause


they they do it everything in one day and like it's a very complex and tough job to like contact trace without safe entry sia then they do it like in one day which is quite fast and it's very meticulous and then with a lot of people rely on them like day to day but like we always we say thank to like those nurses or like


those cleaner or delivery but nobody like thanked them and like I feel like, uh we we rely on this even though they're not directly frontline worker right we still rely on them day to day for like contact tracing then you know the cluster it's important to us but with I think most of us take it for granted cause it's undermentioned ah so I feel like we should also thank them lor cause like they do a lot of work also but they don't get any like


but, they did their best already what ya lor maybe the, government maybe maybe isn't the they didn't make the best decision but people who like work under the government did their best to follow suit and like !wah! they still Kena backlash it's quite sad [loh] cause they did their best already


, right then recognize then you still Kena backlash sia even though you are, intention was there like your intention was good but people still don't appreciate it so, !wah! (ppc)


ya it's not even like it's it's even different from SARS cause it's way longer than SARS, we don't even know when it's gonna end sia so like I think it's unique [orh], ya


you want to share first okay somebody say that , during


uh nice ES right IV, so you


nice and then you go and just tell


(uh) okay accounting (ppl) okay


oh right so, I've heard right cause, I personally don't, have like , my knowledge of finance is not very high so actually I did some research lah like among my peers a lot of them are actually like putting their money inside ETF so like ya I was thinking of using ETF cause it's like


the risk is not as high as like investing in like a particular share like company share or stocks lah, ya so I think ETF is like better I guess I'm also not very sure but it sounds pretty good cause it's like lesser risk and


not don't really need much, management something like that ya then what about you


uh, oh oh what kind of insurance, oh okay okay


so what can you do to earn like extra income like normally what do you do, to oh , ya ya same same


but do you spend, uh you you go first, uh like how normally how do you spend your money


so basically normally I spend quite a lot on transport and ya same ah, food so , then sometimes shopping ya


oh actually I think it's, doable in singapore even though like there's a lot of like even though the living expense ah ya a bit


pricey but then like, I think it's really doable if we actually like, like how do I say, ya cut down on our spendings and all


ya housing especially, so like exactly ya then, I think it's good lah ya


ya , okay same same okay, !hais! did , eh but do you think should one own a credit card


, oh ya true I don't know first like I was like cause some uh like


I have a few friends that already have credit card but the thing is I also not very sure like do I really need it, ya it's just a rebate, that's good other than that I feel that it's, it's just give you additional financial burden lor


just in case is it and you can't pay, advice ah I think you have to save up a lot, if you wanna retire early


ya , like save up a lot and try to earn as much as possible ya


I think adult expenditure is a lot higher


all the tax ya and then like once you grow like once you became adult then you have your full time job then you still need to how do I say, , pay your parents ya, ah ya support your parents it's quite expensive ah ya same


, uh for me actually now I don't really look at my CPF though cause I have nothing to like I can't


really use it for now lah, ya , so what about you


but do you think CPF is a good is a good thing


think it's good like the the interest rate is I think relatively like slightly higher than the bank one so I think it's good to put money inside lah, ya


uh I, guess so I think it's like sense of what financial security ya, ya okay, what advice !huh! oh what


advice would you give to someone in order to reduce their income tax


ya true , oh I remember like there's this retirement account thing from CPF that's like , tax deductible so some people might actually put their money inside to avoid tax [loh]


ya, then probably can make donation some donations are also tax deductible ya, I think so, oh what's the question you have just now


what's the question you have just now, ya, uh, no lah just now when we like both both of us asks a question at the same time


think I will consult the bank first cause I think they are like more, know ya, uh I I ya ya ya like this kind of thing I'm a bit lost and ya it's very serious matter so like I don't really want to make decision


ya a bit scary this, ah


but I feel that right I'm a bit skeptical lah cause like ya they might be bias to like a certain, like package ya ya ya that's why, ya


ya true true,


oh so like how do you ensure that you meet your saving goals


it's like you differentiate your needs with your wants lah


I think same lah on, honestly ya, it's like everyday like at the end of the day I will like look at like my bank lah like look at how how much I spend today and what have I spent on because like nowadays we are using like online payment mah ya cashless payment method so it's very hard to like


really see how much you're spending like you just keep using your card using your card but the at at the end of the day you also don't know how much you spend if you don't check, ya, it's very easy to spend a lot, ya ya


exactly ya , the cash what the


oh like the uh the what's that the book uh the accounting book is it the book journal , ya,


I think it's like it it will take them a like quite long to like adapt to the technology [bah], ya I think they need more time


I think for us will be easier lah cause like we grew up in, ya , uh, true but I guess they just need more time to adapt [loh]


five years ago, five years five, years ago I was, oh oh ya true, I think I will just like I, think when I was in secondary school I spend a lot on like, , I don't know nonsense


stuff , like just keep spending cause I that time I haven't started work yet like I haven't started any part time job so it's like all my money comes from my parents so ya, , so I just spend all I want


ya , save more lah


exactly, true true


ya


, ya


oh but at least you have a saving goal is it consider, ya , okay lah same same ya okay , but


so wait do you think, what advice, like in the post like currently right, are you like after the whole COVID situation right, ya, but what changes are you making in terms of your spending or saving habit


like eat out lah, ah ya true , but do you increase like in online like increase spending in onlines


ya, ya, ya and nowadays do you realise there's a lot of sales going on,


when you see sales are you like more, prompt like to, buy the items even though like you don't really need it,


ya (mmhmm), oh true ya but you must be willing to read ah


, ya a bit suspicious


ya ya definitely ya exactly ya oh !huh! no you can ask ah


uh actually I haven't really thought about like, like marriage yet, so like probably if I got married right


then probably, I would prefer if you have like ya, sure


ya, (mmhmm)


parents it's also same ah like my father will give my mum like a certain monthly like monthly allowance, ya so like probably I think right, , it's good that to have a joint account lah joint saving account for both of them so like probably they can put their own money uh like put


a part like partial of the, their salary inside [lor], then they can also have their own (ppo), saving account ya


which like can you describe a time which you felt betrayed


oh , !wah! I think like in my primary school right I have like this group of friends like this group of girls we came to the we went to the same primary school lah I mean we went to the same kindergarten then we also go to the same primary school


then we're really close even though we are like different class but then I don't know ever since I like when I was in P, four right I went to student care lah like my parents enroll me in the student care then we started to drift, I don't know why like they just


don't really want me to be inside like they just like keep, like like talk ya, like distance themselves with me then they also don't really talk to me anymore like they will just ignore me lor then like, feel very sad ya


I felt betrayed lah cause I don't really know what happened also, then I tried to ask them ya that's why then like, !wah! then like very sad lah, exactly then, like okay cause like you know in every clique right there will be like leader one lah like a leader


so like, there's this period of time that the leader is not there, like it's not in school lah cause she need to go overseas or somewhere I don't know where she go lah then the the remaining girls they were really friendly with me out of sudden ya then


this makes me really confused you know like suddenly you don't talk to me then suddenly when your leader is gone you suddenly very close to me, then after that, exactly that's right, then later I asked like what happened ah why like you all like that then they say uh never mind lah when the leader come back we're not going to friend her but then after that when the leader came back they stick back to the leader ya that's what makes me really angry ah and like I felt really betrayed


ya that's all exactly ya, exactly you also from the same kindergarten so it was like, ya okay lah ya sia


heartbroken ah ya sure


(mmhmm)


oh me ah I guess I can't really think of what a time when I was really heartbroken though, so probably the closest one will be, I think like


to me friends is quite important to me as cause like I feel that it's very hard to find like, ya like people that I can like really click with cause I don't know probably I'm weird I don't know lah but it's just like as I'm ya it's very hard for me to find like close friends and like someone that can open up to so when I really found one I'll I will cherish lah


so in secondary school there's this girl like from my sec one class, we we went to the same class in sec two it's just sec three different class ah then sec three we started to drift apart lah then it makes me really sad cause I don't know cause I thought we're going to be like


friends forever something like that ya, ya exactly and the thing is the thing is she drifted away from me and join like be friends with like this girl that she don't even like in sec one sec two


ya that's why I'm very confused and I really, ya I we're really very close like, exactly, exactly and the person that she got close to, she is in the same class as me in sec three that's what I'm confused


ya but then like she's really nice lah, but it just ya sadly we drifted apart ya ya , that's why it makes me really sad ya I really hate like this kind of friendship problem ya okay


is it like again describe a time when you felt like giving up


ya true, I don't know when you talk about your CCA right reminds me of my CCA also, like I was from chinese orchestra, then uh most of them also have like like chinese orchestra like experience in primary school


which I don't have ah and I'm I'm quite slow lah like when it comes to music I'm really really, like I really don't understand like the beats or so like in general I think I'm like the worst player lah then even my junior can play better than me lah even my instructor also say so then it's very demoralising lah it's like everyone keep saying oh your junior can play better than you you need a back up or if


exactly but then they just keep comparing then like uh then uh there's quite exactly then they say oh you're not putting enough effort and all then just okay ah like that [loh] just makes me cried ya it's very demoralising ah


oh so this actually happened in my workplace so last that time I was working banquet at this hotel, so basically right it was an outdoor event so we are under like captains then the captains right let cause we can secretly take breaks one lah cause it's very long mah


then can secretly like take turns to take fifteen minutes break there I then this captain right let like this person go for fifty minutes break but he don't allow me to go for my fifteen minutes break cause he say I slack too much already


then I felt like I was treated unfairly ah that's all cause he has like previously he have he he already had some personal grudges with me ya, that's right exactly that's all lah


yup it's okay !huh!


, , how do people treat you differently


!wah! that really sucks eh


, and you got used to it oh


!wah! that's really


faces and, like those judgmental face lah, uh that is really


, , do you have like any embarrassing moments that make you cringe


!wah! I remember in secondary school everyone is like so crazy over like BTS EXO, ya, ha I don't like, me ah ,


I know last time when I was in secondary school I'm I'm a like a tomboy, like with very short hair, ya no it's like, primary school short hair then super long skirt, like my skirt is even below my knee


I guess that's cringey enough ya , oh then it's a bit different it's just I'm not fashionable, ya just not fashionable ya


, exactly , what keeps me awake at night ah


you want to share first oh it keeps me , ah ya, true I think someone, say you have like troubling like matters also cannot sleep ya


okay no lah


experience, okay you want to start first


oh oh so like when I was studying for O level right I'm very bad in english so like actually my friend actually helped me a lot lah


ya ya my english improved


what about you, oh ya


and by sales also


, oh


oh really that's so sweet


okay that's really nice and it's quite rare to find like customers like that ya,


ah okay, best gift ah best meal, oh meal oh you want to share


, ah, I think like best meal ah probably it's like probably with my family like depending on who I'm like eating it with lah like I really enjoy it when I'm like eating out I mean eating at home with my family also quite nice cause actually my family we don't really eat together one ya


ya so is quite rare and like this time this kind of moments I really cherish lor, ya ya , ya but that's like once a year lor like hotpot like that


uh no it's just like uh me and my parents that's all, ya, it's quite nice ya, do you have like any best surprise or gift you ever given to someone


uh


oh that's so sweet , got


true though !hais!, uh me ah what is best oh oh so like recently cause I'm like leaving my my part time job cause of some stuff lah then I went to handsewn the socks cause I they really like


Nike so I bought like all the Nike socks ah I hand sewn it like add embroideries I embroid like some flowers on it, no quite cute, no I just learn from YouTube


ya I took up a lot of time but it's quite ugly ya right ya ya, no cause actually I wanted to write a letter but then I'm really not good with words so ya


, oh ya true true true then I also think very long eh just for like one sentence I also like, ya , exactly


ya, that's why, exactly it's just colleagues


not really I don't really go for concert ya okay uh laugh too hard


oh I remember when I was in secondary school right me and like my group of friends we always like to go to the toilet and then we'll then there's always like some funny dance on TikTok right and we like to, learn it in the toilet like the school toilet ya and then we'll take video


the ya , I forgot lah but then it's like some very funny dance ya ya, ya , then every time we'll dance, scared that that there will be someone that like walk into the toilet


ya but we all , ya but we always very loud, exactly, but it's like good memories lor, ya ya what about you


, are you serious you're like having a fight with a bird , , , okay so you won man,


ah, a risk and rewarded with success


I think other country earns like they pay their nurse even higher, , so it's really pretty good, ya there's like ya there's a job security


ya , I think every choice we make is like there's a certain risk to, it lah ya, exactly it's like when I'm


first like when I was growing up the, I don't know the, the form ah like to put our choice also don't really know what I want to do with life, ya, then I just, cause honestly for accounting right I'm just really scared that like it'll be completely taken over by like technology ya exactly if


it feels I don't know cause their task is very manual and it's like repetitive so it's like robot can actually do it what, ya so actually I was quite scared lah to go inside also, , I think so far okay lah cause like


I realise there's like a lot actually accounting is there's a lot more to it it's not just like bookkeeping or like that ya actually like we can like there's a lot of other value added, task that you can do for your clients lor


ya then through this course I also learn a lot lah, I think it's like the basic lah it's at the fundamental so I I don't know business so like ya I also like like let me learn more about like what like myself lah like what I like and what I don't like


like for instance I know I really don't like accounting I mean, as in I don't like accounting but I really like like marketing this kind of things lah cause we also got touch on that, ya ya,


ya uh okay is there anything that makes you persevere


a portfolio


ya, I think it's like say like, I don't know I really don't want to feel because like it looks bad on me lor like I don't want people to look down on me it's, quite like embarrassing I don't know I feel lah and ya


ya, then you improve,


ya and I remember right that day I don't know why else like after I received my O level results I was quite touched cause like I feel, like okay for one moment I actually made my parents proud ya something like that ya so I guess like my parents also like it's like secretly a motivation like


or I don't know ya, cause I really don't want to let them down or something, that's why, cause actually I was really like hopeless with, O level ya I, I really wanted to give up , too hard ya


post COVID world, I guess actually I'm really thankful of my like lecturers though I think they really put in a lot of effort


like like that's what I realised lah during the COVID situation, ya ya, ya then


exactly same and they also have a lot of admin staff also don't know what they doing ah, ya ya exactly, so I guess they really, put in a lot


of hardwork ya how about you, like,


ya


ya and also like the government a lot of people keep complaining this and that, ya so it's quite sad lah like, exactly, so like


exactly, ya lah, exactly it's quite sad lah it's like your efforts not being, appreciated ya, ya quite


ya and plus, I mean COVID situation is like a it's a very unique situation one so like people also don't really know how to react, exactly


okay ya ya, !hais!, , share a do you have any funny inside jokes that you and your friends still laugh about till this day


, I was thinking about the , , okay sure so apparently I my english is really bad so I wanted to uh like we're working in banquet mah then the manager wanted me to write I don't know two hundred fifty knives then I thought


knives with , plural must be I I IVES I don't know how to spell so I put , I thought that was a plural form,


, then I want I just wanted to say, knives in plural, form I don't know till now I still don't know how to spell eh


(uh) that was funny (ppl)


financial rated topic


uh for me for personal insurance I do have is under uh Prudential I, have uh two policies under my name, and uh


do I have to uh, elaborate more on what is the uh policies that I have, okay uh so the policies that I have is uh PRUsave


uh which is which has accident death disability medical investment early stage crisis uh and also investments slash savings and we they also provide a PRUsmart lady free check up every two years


for another one is PRIflexicash protection plus, uh which has accelerated terminal illness and also investments slash savings for retirement


uh okay, okay lah then we go to endowment plan for endowment, plan, I do have plans but uh


and until now I have yet to nominate anyone, , , and for the number three to


for me my policies do have a mixture of both


uh insurance and investment, uh, because uh this is connected to number four because I think that uh is more affordable if you mix, uh these two insurance and investment rather than buy two different policies


ya for me is uh for me is term life insurance , uh from what I'm having the policies that I'm having now is all term uh by term uh because I think is more affordable


and then also number five is the investment linked policies, uh I do not have any investment linked policies I'm not sure whether any of it is investment linked or not


so , I think is more uh but I think if I were to get one is more uh affordable lah to get a investment linked policies than, like what I said than two different ones


and then for number six, for the insurance coverage


uh ya I heard of the dependent protection scheme uh this one also I think this one is for when (ppc) let's say if, uh I were to pass away or, what and then maybe my children my family members will, uh


I mean there will be at this will help them lah to go through the first few ya to go through the first few years of month for the benefits lah, and then also for the MediShield life , I think I think this is like MediSave it helps with the hospitalisation


and the surgeries, , for ElderShield I, uh I don't really heard about this but I guess this is when you are when you are very very old and weak sickness and disability I guess


uh when you cannot work anymore this will help lah with the monthly cash payouts, for I think to lessen the burden for the medicals lah when you're old, ya that is what I think


ya I will approach the agent also correct correct, because we also don't know anything about insurance also before we buy one, correct is easier lah, okay let me think


uh what, have, uh what I look out for in an insurance agent and what question should an agent, ah okay for me right


I want my agent to, be able to act fast in processing whatever that is needed when in time of crisis approach , and uh to be contactable, not to say twenty four hours at all time but when I need


uh when I got any question to ask when I'm, like were to message them they will be able to reply as soon as they can so that that's how we can trust our agent lah, I think ya that's what I think also


hospitalisation only for you


for me ya for me is more to medical reimbursement hospitalisation and very important retirement savings, at this age I think about retirement a lot I don't know why


no number ten I


think I spend about, ten fifteen percent of my pay, I think about ten percent of my pay to insurance itself, cause I do have , uh I think I do have a few that I need to be


need that I pay every month uh, about the coverage I also not very sure I'm not sure about the coverage I think I need to check again lah with the agent, most of the time I just forget


ya ya ya same same so for me also uh to prevent headaches I I, I get mine also from a single provider, uh, and also it's more comfortable dealing with just one agent that's how you can trust them you cannot be trusting a lot of people with your


insurance that's what I think lah right, ya that's why we go with one insurance only I mean one


for me ah uh for me, travelling uh of course when we go for traveling then we do need an insurance for that actually , luckily


you can buy cheap cheap ones like NTUC eh from NTUC just in case that nd when your trip got delayed cancelled or you lost your things you lost your luggage, and then I don't know any accident all overseas or what it helps lah


but so far okay lah we don't need to use so just buy just in case, and then also for property I think we all need to buy the insurance, with the fire fire insurance right to help with the damage if anything happen


for me it's a yes also what do you look out for, for me what do I look out for


ya correct these uh these are the the top essential lah for me I think uh the top essential also are the medical reimbursement hospitalisation, uh retirement savings retirement view very important retirement is super super important


to me and medical correct ya, this is what we go we need we should look for this lah,


ya for me also I, I think as an insurance agent also right I should ask their I think it's normal for them to ask for our salary range, to see our budget, which insurance you can afford


because most of the insurance we need to pay on a monthly basis right, and then also whether there's an uh there's an existing illness or condition and then whoever they're getting for lah themselves, themselves and their spouse partner or children I think these are very important also to see what is their budget whether they can because


I think it's too often that I heard that a lot of people they just the insurance agent will push push push like take this one take this one take this one then they can only pay for a few months then uh after that wasted cannot continue, gone, you know what I mean Kan


ya ya this what I this is what I feel also lah then they if they go on for one year then Sekali after that cannot continue cannot afford, so I think budget is more very important and how long they can pay ya


a personal personal personal loan have lah , , , for personal loan


!whoa! can,


this is very very important , oh ya uh I think, I think maybe I speaking for myself but I'm not very good at saving money investing saving money in the even when whenever you know there's okay there's money in this account you sure will take out one day you sure will take out want to spend so I


think I think that's why I, sign up for insurance for the retirement, cause whatever you pay you cannot take out, need to lock the money for me, take the money from you away ya


, , online


ya ya you keep ordering food in right then after that, after that post COVID still I think we will still be lazy lah, we'll still we still order food online shopping ya ya ya correct correct


okay how about the


!wah! this one retirement eh, ya it's very important retirement is very important, uh number , number eight what advice would you give to someone in order to retire


!wah!, I think for this right oh, singapore is a very very expensive


high demand country to live in we do get a lot of help from the government but we still pay, expensive so for me right, for anyone young out there for you to retire comfortably just study very hard then after that just work and then you know just work and make sure you're there ya saving saving is very important


while you work, just put aside every month, doesn't ya hundred per month also can already start very young ah start the saving very young, you may be feeling like ah what is this for but when you're old already I tell you the savings will the savings will help lah I guess for to retire comfortably


not I mean not anyone can or not everyone can retire comfortably here


correct correct


for me savings habits ah, for now I practise I actually open up a few, accounts like different accounts so I make, I kind of, instead of just using one account that one I cannot save and spend at the same account I will spend everything there's no savings so I I will open a few I open actually opened a a few account


so that I can like okay this one is for spending every month this one is where I can save this one is for or where all they cut my bills here so you know, so for the accounts that I do for savings I don't touch lah, so I don't do any ATM card also lah for that one no need lah


, ya so it's I think it's uh for now all doing okay lah still good lah, I guess everybody got different types uh uh different ways that can help them ya to save, it's very important lah


uh oh oh, what what's one financial advice that you would give to


ya for me also you must start young and , that branded bag is just not worth it, , , ya , that bag is not worth it do not go inside


that is not what I mean , , , five years one lah five years once lah it's just not worth it


ya is start young and then be disciplined disciplined is very , yup I think ah


I think ya correct whatever is necessary if it's a want rather than a need then make sure is not a very expensive ones lah, just don't go inside that shop not the bag


I think that's it ya , oh I, do you think one should own a credit card


, for me I do not believe in credit card at all so after I got married also I make my husband pay up everything and cancel all his


credit card because , ya so I believe in zero debts, and also I don't like the idea of spending money that I don't, have, that it will give me more headache more debts


so credit card is a no no, if you cannot afford it then don't do it simple as that , , ah ya other than that I ya I think it's very important lah savings


savings and insurance, #ada lagi takda# how do you manage your cashflow


ya ya I do not have a lot of cash uh sometimes I have zero cash except for five cents inside my wallet because I believe the more cash you have, the more you want to spend the more you want to spend so it's good that we right now they are ya you don't see lah that means you got no money don't spend lah is more is more to like


(ppo) ya done (ppl) #kurang ajar#, [oh] stop


negative experiences, (ppc), okay uh number one recall a situation where you were forced to change your plans against your will


for me too I don't think I I've ever had to change my plans against my will


, ah ya I think there's I don't I do not have any situation where I have to change my plans, , ya correct that's it for number two describe the moment when you feel like the world is against you


(hmm) I guess this one right there're I'm not sure whether it's for everyone I guess for, me you know when you're younger I'm not sure whether anyone will know this feeling you know when you are younger, there are times where you feel like the whole world is against you you feel like


everything you everything you do also cannot everything you do also cannot you get what I mean, ya ya ya that I think that is when, that is when you feel like everybody is against, you your friends against you your sister your mother but come to think of it I think once you're older ah you think like ah actually nothing lah it's all for your own good


ya ya I think for this one I think ya everybody will go through this kind of when they're uh this kind of feeling when they're younger I think


heartbroken oh heartbroken


heartbroken not sure what kind of heartbroken is this but I think


oh she passed away already so sorry ah yes yes


for me uh I will be heartbroken , this happens to me every single time when I got my period I will be heartbroken when my when I see my husband disappointed face


I pity him lah poor thing ah, it's very heartbroken


for me I don't think there's ever a time I'm not sure whether it happen to me or even if they look down on me I think uh it's not to my face so I think for so I don't know whether is uh I ya I don't think they


for for me lah I don't think that, ya so I I maybe they have maybe they do like there's no such situation but


from what uh according to me lah from what I see I don't I've never have a situation where a family member or friend or friends uh look they uh look down on me I don't know maybe not openly lah maybe


ya I'm not sure uh for getting these, , I do have a situation where I felt betrayed


by a friend, uh we know each other during that time for quite a long time, for more than ten years so what happened was I make the story short lah ha so what happen was uh


what happen to me uh with her actually do still affect me to this day and and I didn't really hold on to the grunge the grudge but , how I act lah at work so what happened was uh I recommended her to work with me and then once she got the job she started


to spread rumours and talk bad about me to everyone to the point that I cannot take it and I just have to, leave and she was happy that I uh I left the company ya


uh that is when to this day whenever it , it's hard I don't really not trust anyone is hard for me to, straight away when I got into a new job right to straight away be like extra friendly talk to everyone and hard for me to open up


and or be get used to the get use to to the new environment I just it's very hard for me to open up lah to a new environment and new people


cannot open up easily ya correct


, this is this is more for your husband lah


for me I think is about the same I think I think a lot about this uh question though for me uh is more to to let them know that uh I, of course I do love them and also I'm I I think I will say I'm sorry that I should have done more because even now where I keep thinking I should maybe I could do more for my family


I don't know I just have that feeling lah like we can do more we can do more for them you know for my mom ya until to this day lah maybe my last word would be that also lah I should have done more I guess


ya we never know, attention for me


, when you don't get attention for me I I've never felt that I should give up, , ya lah you fall lah you do hit maybe during that time you do think that you hit rock bottom or like when maybe you will hit rock bottom then you feel that there's no one there but I have never felt that I have to give up


number eight we move on to number eight what are the injustices of the world that make you angry !wah!


something not fair is it I'm not sure regarding this in the world ah, it doesn't really not to say


ya no I think is rather than angry (ugh) I'm not sure whether is angry


what are the injustices rather than


uh okay I think the injustices in the world is more of, I guess is all the war, poverty and uh, and you know all this world with not


not enough to eat I think this doesn't make me angry uh but it makes me, to not want to know anything about the world, if you cannot


okay from for me is it just makes you not want to watch the news anymore or read anything about the world because there's nothing you can do about it


you get what I mean ya, uh embarrassing embarrassing is


I think this is embarrassing , it's not something that is uh, very bad actually I think is more to funny lah very Malu very very embarrassing, ha


, I think for me embarrassing moment is uh rather than feeling bad uh it's more to a very uh Paiseh moment it's very you know uh is when I was cycling a bicycle at east coast park


and then uh I'm really really scared of flying insect or any bugs at all so I was trying to dodge a flying insect right in front of me, and I ended up, uh, crashing to a, pile of bushes in front of everybody else I fell very badly in front of so many people and then that is the first time when all the kids start calling me auntie auntie you okay or not


ya I think I think that's the most embarrassing uh so far, , no embarrassing moment, ,


oh okay uh this when you were treated unfairly


oh like you feel like there's a, I think everybody have this feeling lah you feel like there's a favoritism going on, ya for me also uh


there're moments when, I feel I think this were only when I'm younger I know that oh this one show favouritism one you know uh you have this feeling and it's very obvious you don't have to have the feeling on your own I think anybody also can see one even uh but


I think the older you are you just get used to it and you don't really care anymore


I think uh our dreams change, when we are younger we have different goals and dreams, than, now that we are much older, right, so the dreams that we when uh that I have when I was younger


that one die already lah, because you know you, people as maybe some to some people they may think like it's never too late but to you is like never mind lah not going there anymore


so now that I'm young uh older right I think my dreams changed to a different ones and I think it's not dying lah we we can still keep trying lah, I don't know maybe to get a better house, to be financially better we we in


a bit Apa I mean financially better in your as in your marriage your, I think we can still keep trying but the dreams when you were younger that one is gone , for now our dream is not dying I think still can


for me I feel, for me I feel, that, helping someone, when I, I know that the help that I give doesn't last long or I know that is not enough


like I can help you does this much, but I know it's not enough but this is how much I can give you, I think, that is when I feel bad lah, that is when ya


like when I went to a orphanage, and I, uh we all like you know we all share money for the donation to buy them food and gifts, , I actually feel very very bad leaving even when I arrived, I saw all the orphans there I really feel bad


I mean ya, there's nothing I can do that's that's that's the only thing I can do that's, that's why I feel bad about it lah


embarrassing moments that make you cringe


for me I don't have a very serious embarrassing moment that make me cringe, but I guess every time when you accidentally, bump into an ex boyfriend, like then you go like oh


and then when he saw you there's eye contact then he say hi !alamak!, don't say hi don't come here I think that is the, nothing serious lah it's just when you bump into an ex


for me what keeps me awake at night, uh I'm a person who thinks a lot, so even though I'm very tired you know when that feeling when you feel very tired, you feel like okay today I go home I shower Makan everything then I can sleep already right


but every single day, when I, got on my bed turn off the light, I will just have to be thinking I just keep thinking for no reason why, like (ugh), I don't know about anything else lah I think most of the time right


I think about, our financial uh our financial, situation lah our financial situation when you feel like okay is this going to be enough in these few years are we going to have enough to do this in these few years


are we going to have enough for a baby how about if uh, I don't know when uh husband want uh want to move house is it going to be enough to have this to have that I just keep, thinking lah I think it's on a daily basis I


think a lot about, our financial I keep thinking a lot


I just uh keep thinking about financial situation and also my family lah I just keep thinking about my family also, ya, I think ya that's all


the saddest scene


for me, the saddest scene, !wah!, for me the saddest scene will be when, my when my father pass away


and then when my mom that is when my mom and my step mom, they, the first time when they have to


when they first time that's the first time when they have to not to say suck it up lah then that is when they have to, they start talking to each other and to know there eh then they that's, the day when they start to


to this day they actually comfort each other, and they actually, getting along very well, because of my father death I think, to me that is the saddest thing lah to witness


for someone who, uh for two women to not like each other that, a death actually bring them together is, not easy it's it's not easy


and uh it's also but from there is also a gift lah, they got each other ya, that's what I feel


uh what okay what makes you stressed, ,


ah, for me stressed ah, I'm not sure whether I stress very easily but , ya lah ya lah I think


I'm a person who thinks a lot and I think a lot about my retirement so my finance and my retirement stresses stresses me out a lot a lot on a daily basis uh, ya I think that one uh really stresses me out, oh


positive experiences


oh this one describe describe a time when you were helped by someone in your time of need, and <P2>zahirah</P2> you can go first


, , uh for me you know ya for you I you know when you're younger, there're a few times is not exactly rock bottom but you think is rock bottom when you hit rock bottom and a friend


is actually there to help you , I think that is when you feel hopeful and you feel like oh there's someone is save who love me but now we are older with, we know that it's not rock bottom lah actually you fall down you can get up lah, yes


, , , uh for me I, think uh , there's a dinner after my wedding after I got married we actually bring out my family


and my in-laws side, I think, that's the best meal lah like that is when the in laws and the in-laws' two family actually mingle properly after the I think that's the best meal I have


sad to say I don't, think I have any I didn't give I


I don't think I give anyone anything, that is considered best gift or best surprise so far, in my life I'm not sure , hopefully ya ya ya I think


you try giving your husband a game lah PS five or what that one will be the best gift lah, ,


my first K pop concert experience eh which is in two thousand seventeen


and I remember the concert is on the first day of #hari raya# , I actually skip #hari raya# I , to go to the concert my mother got very angry but I don't I didn't exactly skipped #hari raya# lah I faster go to my grandmother house go to the other grandmother house


change my clothes Cabut then I just go to the concert, I think uh it's some , it's an experience lah, first and last ha uh


I think when you laugh too hard this is countless times lah, , I'm always laughing hard whenever I meet up with my friends my family uh almost every day at work with my colleagues, and I think laughing too hard is not


it's not hard lah, ya is a good thing make you release stress, ya ya


it's a good thing ah ya, for me, my marriage is a risk, I used to think that getting married is not a good thing but I took a risk I got married


it's a success, at around I now I'm a clingy wife and I think that uh, and what marriage is great is my reward,


persevere is when you Tahan and keep going, and then , even though it's uh in difficult times ya so what makes you persevere


so your children lah makes you persevere, same for me is my family and also my goal for me to reach that goal, I, with everybody I think they will persevere just to reach that goal


in life, number eight in the, post COVID world who or what are you newly thankful of, or appreciative towards


ya ya ya correct, oh so your husband like lock locked up lah, , , so Kena lock ah Kena lock up ah for me


!wah! I am, thankful that uh, I think everybody and those who have still have their job I think I'm thankful that I still have my job, still have my earnings, still uh earning money and then also we appreciate the fact that we are a singaporean the government still giving us a lot of help


yes and ya, as in you know uh the fact that they are helping because you know in other country, they are not as lucky as we are they are just not as fortunate


and also we are very thankful that to this day that uh my family and me we are still safe and healthy at the moment lah, ya Inshallah still still still healthy still safe ah in the future


until this thing all died down, , if not it's still scary lah still scary to go out


!wah!, okay I tell you , this is actually not a funny but well this is , the situation is not funny but actually me and my friend make it funny


because if you think about it is, it's funny lah when, I was getting married my wedding is uh the day I supposed to get married it got cancelled, so the next day I am supposed to what malay say Sanding right


so you are supposed to Nikah first then you Sanding, but, it got cancelled so I actually Sanding before I Nikah and nobody knows when we Sanding that we're we're not married yet is actually a sad thing when that happened but then after that we two weeks later after the Sanding then we got Nikah


uh and then until now my friend uh actually laugh at that situation they're saying that that was my rehearsal wedding that's why it never happen, yes but now thankful lah we actually got married


ya ya we went up the Dais lah we end up the we went up in the Pelamin uh before we were husband and wife , my friend keep saying that is a rehearsal wedding lah so rude but it's funny how about you you don't have any uh funny funny


, uh describe a fond memory you share with your loved one, me uh


for me there's no I don't have like there's this one single fond memory for me every time because since uh everybody is all grown up and then uh not all of us stay together, like, uh four of us got married then another three stay with my mom


uh I mean another two staying with my mom on most like we're all not staying together lah what I mean but so every time when we have a family gathering, or every time when we meet up for meals or when we (ppc), uh


hang out lah basically, I think, these memories are always a fond memories to me


as long you see each other can already you don't need to really catch up right so everybody will have, like, this person maybe talking to this one you maybe talking over each other


ya ya correct, this kind of gatherings are always fond memories to me, ya, number eleven, what are the things that you most look forward to when the pandemic ends


, yes yes correct for me, uh first of all


we have to travel to JB oh haven't finish ya, for me first of all we have to go JB


, , , yes first of all we all need to go JB guys ya it's very important to unwind ourselves and then uh also I've been actually before the COVID we've been planning to


uh , we been planning for a family gathering and barbecue at a chalet , and then uh this COVID happens so I think the first thing we do is to look for, uh


ya then we can overnight there also together, and then the kids the new baby she's been growing up in the house only, as a baby growing up in the house only not being able to go here go there is very sad lah for the baby but then again the baby don't know anything lah


ya yes , I think ya ya family gathering barbecue , first of all JB JB please and also to travel lah traveling


ya for me travelling to europe countries, I don't really care about europe country , asian asian country is the best ah, that's where you can see all the rural #kampung kampung# life


ya that's the best lah to unwind to relax, let's all pray for JB, , uh number twelve uh talk about a, time when you experienced personal growth


eh when you grow


for me , when I when did I experience personal growth is when I first move out of the, my parents' house and stay on my own , that is when you have to do everything by yourself


uh, even you got money uh no money got enough to eat not enough to eat uh whether you die you need someone or not you know I think that is when you learn, to do everything to handle everything by yourself that is when I think


I I experience personal growth not sure yet but I think that is when lah, ya correct correct that is


, I think I think it for everybody lah when we, go, correct correct ya that is when


you may not may not uh notice lah but I think that is when we ya correct correct, and also


oh, nothing lah then why do you haven't finished


for me also I think nicest moment will be marriage it's a risk it's scary but it it makes me happy lah I used to think that it won't make me happy but it makes me so so happy right now so I think marriage lah


oh describe one of your most memorable travel experiences, , I I think uh is when I go to


Phuket with one of my girlfriends and so me and her just the two of us, uh we decided to rent a motorbike, and then, you know in Phuket right at the very far most of the hill uh in Phuket is what beach


uh Surin beach and then the very far most is another beach so we decided early in the morning after breakfast we going to ride up and down the hill uh, just to see what is outside Phuket, and then we go through all the rain and then we decided to stop here and there uh soak in the sea and then after that get dry up while we riding by uh the bike


and then at the end of the day when we come back to our hotel both of us got fever, , I think that is the one of the memorable and uh we didn't even know we got fever until when we got our massage the masseuse told us that eh guys you got fever I think that is uh one of the memorable travel experience lah that is my first time


, not really no lah I think first time uh we decided to, travel without any plans at all like we decided eh you know what let's just go there you know what let's just go there we got lost a lot of times I think


ya, ya getting lost and finding your ways


, oh really why


for me I still don't know it's either my husband or my mother, , I think I look when it comes to strong will, uh perseverance I think I look up to my mom, uh


ya and then uh for other things, , advice support I think I look up to my husband more, ya, so I think there's two people lah most important people in my life


I think at this point of time we'll be thankful for a lot of things right and during this COVID moment we're we're thankful that we still have our jobs we thankful that