uh to me where as as a couple I believe that we should have our, own account as well as one joint account okay because for the, for their own personal account it's that uh it's better because you don't have to know what is the other half is spending on and stuff right but to having a joint account is important because


as a as you start a family you want to have trust with each other and then you also want to learn how to budget your expenses with each other and then so with that uh I believe with a joint account, we we can you know sit down and review all our expenses every month find out what what is the most important thing that we need to pay and and how should I put it in uh things to pay and all the necessary stuff first


ya yes yes yes do you


yes I agree I totally agree yes yes I totally agree on that one because it's important that when you are in a marriage life you want to make sure your expenses are within the budget instead of blowing away your budget


now I don't have one but do you have, okay


(ppc) (uh huh) right, (mmhmm) (mmhmm) (mmhmm)


right right I understand ya, because it force you to save instead of spending the money ya which is good though because


because sometimes you overspend on certain month which you were you know which you try to prevent you see so I believe ya that's a good a good idea of having a fixed deposit account because I think with this uh account you are not allowed to withdraw if I'm not mistaken right


, right understand I see, oh , to me I find when they reach uh age about fourteen fifteen will be a good time for them to have an account because uh to me that's the time when they are slightly more matured they have already been to uh to a secondary school they have been


mixing around more with all their peers and also at this period of time that is when the kids are always going out with their friends, and having uh the access of a ATM card is good for them because uh they don't have to carry cash in their wallet in case of theft or lost you don't have you don't have any much lost you see on on


physically so how about yourself what do you think about uh when is the right age for a child to have the is this ATM card


(mmhmm) right (mmhmm) finances (mmhmm) (mmhmm) (mmhmm) right


and also make him more mature and independent knowing how to manage his finances and ya I agree on you on that point though okay would you prefer to have cashbacks points or miles


(mmhmm), right (mmhmm), right right


ya ya, but for me I'm not much of a traveller like yourself because as you know I always travel to work every single month which and when I'm home I would prefer to be at home most of the time right, but you know that is why I to me I prefer a cashback card because because sometimes when you go on a shopping spree when you buy stuff you know if it's like you are getting a discount every time


you know you know you are getting like this cashback into your into your cards so that the next time when you purchase something else it's like okay this somebody's paying a bit of for you as well and also it's like you know, it feels like uh to me that is to me I I prefer that way


because physically I don't have to fork out more money, yes yes it's always like discount all the time yes which I like discounts


uh do you have any experience what is your experience purchase of purchasing insurance products from banks uh do you have any experience in that


(mmhmm), give it right, (mmhmm)


I've never ever purchase one from many of the banks before because I have insurance from AIA which I think it's good enough for my needs so I don't, (ppc)


ya myself as well I don't do that as well, what is your experience of purchasing investments products from banks I believe you could do you have any


volatile yes (mmhmm) (mmhmm), for me as you know me I'm not a risk taker so I don't I don't like to do any any of these investment but uh I find if


there is uh I feel if uh in the future if there is any good investment plans uh I might want to try to do it so that I can, grow my money you see ya because at the moment uh if it I especially with this kind uh in this situation of this COVID situation I believe that just having your money in the bank you'll be just fine


just as of now ya, yes I am a traditionalist


as I've said before, I'm a traditionalist and not a risk and also a risk taker and not and not a risk taker, so you will know I always keep my money in the bank just to have that security of seeing the money every month in the bank


you know, right


right, (uh huh) right, I agree I do agree with you I do agree with you, in case ya in the future where we find a good investment plans yes probably I want just put a little bit of


of of my you know of my savings to that so that we can try to grow our money together


sure ya I have a I've just got a loan for for the, car basically it's with the same bank that I'm using now so basically there was no hassle with me trying to get that loan because they have they have seen all the histories of my transactions and stuff


so basically they within I think within a week within I think if you're not mistaken maximum within a week they approve they approve my loan without asking any more questions from me so I believe that is ya and I've never had any issues with any of these loan and yourself


(mmhmm), right


right so basically when the time comes when uh when you can do that then you will just call them up and just find out more about this, about this this programme also, these loans I mean ya so that is good though because uh at least we know more about about each other's other banking details you know so


so I believe that wait I think I guess that's a part of yes ya so I think that we find anything I guess


so uh, so just to


recap ya


part three negative experience


what is your biggest pet peeve or what annoys you


(mmhmm) (mmhmm)


my biggest pet peeve is uh when I hear uh people chewing loudly while eating with their mouth open uh because uh, I think it's a just table manners because you know you when you eat it's usually that you chew what you with your mouth close so


to me that is like something that irritates me most of the time I will always like stare at the person you know when they he he or she eats loudly I was like okay and I was like trying to give the signal to that person but no but sometimes they do not understand


you see but I'm but I'm trying to convey to them so ya to me that is my biggest pet peeve I have


this will be another malay movies that was I think in the sixties by P ramlee called #ibu mertuaku#, uh there was a scene which I remember clearly uh okay P ramlee uh P ramlee he was a he was a poor saxophonist he was a musician and he fell in love with this lady right which he in which which


which comes from an affluent family right so basically they got married without the consent of the lady's mother, so they ran away and then you know uh, they ran away to leave and this uh the the musician was working uh in the in the blue collar industry so basically when


the when the mother found out that that uh, the wife was pregnant the mother took her away so that she can live comfortably with her and when and when she gave birth the mother wrote a letter to to the


musician uh allegedly uh alleging that the wife had just passed away after the after the birth of the the son right so basically because of the sadness he, cried and he became blind so so he started performing again when he was blind and then somehow the wife the the wife who is now remarried to somebody else because the mother also deceived the wife thinking that the husband died as well so when the wife remarried found out that he was


performing and he found out that this musician is still alive so basically she asked her husband which is a doctor to try to cure him of the blindness, so basically when they found out when he felt when he was all okay he wanted to visit the grave of the the the the ex-wife ya the wife and and there was no grave he found out he was he was deceived by the mother-in-law and when he found out


about the wife uh getting remarried he was heartbroken and what he did next was uh he stabbed his eyes with a fork uh so that he will go blind again, so this is a bit sad you see because uh that was when I was young because, you know it was like a heart-wrenching story you know a love with the love that you uh the love of your life that you know and then we the love of your life which you never get


to fulfil with the family you know, , so ya that was my uh sad story that I have


right right


I never I never have uh issue with any of I don't have any issue with the older generation because I always respect the older generation right but however with the younger ones nowadays , I find that they are quite self entitled they always they always believe that they're always right they always think that they would always know better they think that they always think that the advice from the elderly are not good enough for them


they they feel that they feel that they should, earn uh get more out of what they are working they do not want to be in a in a hardworking environment they prefer they prefer the cosiness of the office


, so


, yes yes believed yes


so they just want us to conform to all the belief and taboos that day they are used to, okay, there are quite a few but I think the worst one would be my first assignment uh overseas for work that was where I had to travel to korea


, I believe when I when I arrive there it was on a sunday and as you know on a sunday nobody works on a sunday and I arrive I and I uh, arrive about late at night so basically when I arrive there was supposed to be uh there was supposed to be somebody who was supposed to wait for me and but unfortunately when I was there


there was no one you know waiting for me and I tried to call on my phone, but unfortunately that phone was an old phone I never had a smartphone before then so I thought it was not a necessary stuff to have before I didn't know that korea was quite advanced in their technology compared to singapore so I thought I was having a like a very very up-to-date telephone


so basically I couldn't manage to make a call to the office, so I was like going around looking for people and I managed to find this one kind kind soul who who assisted me to make the phone call and I had to wait for like four hours for the transportation to come because the travelling time from the


from the location where I was supposed to go was quite far so basically I was there for almost like five hours waiting, like hoping that somebody will come in the end and eventually somebody came to pick me up and I was glad and the thing that after that I didn't have any communication with my family for months because of my phone so I learned my lesson


ya sure, right yes and also they don't speak much english they mostly you know speak korean and about you and how about you


right right right


right correct, yes I agree (mmhmm) ya


so you're being so you're being naive again


okay it's the same thing my, because uh I my first time offshore as well I have this supervisor, he he found out that I have no prior experience working in the offshore industry because I used to work in the shipyard back in singapore even though I do the commissioning for for this kind of rakes I never have any operational experience


so basically he will always find issues with me with whatever work I have done or he will just push work to me all kind of work to me to see to see if I can handle this kind of these kind of problems and issues


but uh he would like to see that I break down and basically just resign and also he has been and I was with him for two and a half years, working under him and every single trip when I was was at sea I dreaded the time going to work because I hated my time there so basically


luckily I guess I guess god answered my uh my replies and ya I managed to get away from him and move on to a different, different rig so and ya I I guess that was


not a nice experience for me though with him, yes it was because you wouldn't know you will be thinking that uh you do not know the your job stability if you do not know if you might have a job the next month or no so basically you're always on your toes you're always on your toes trying to


you know and hoping that you're always on the right track you see so how about yourself


(mmhmm) (mmhmm), right I understand yes I I believe in it, okay there was this time when I was still into into drinking we had went we had went to vietnam for for our holidays my friends and I so we were out partying the whole night


so as you know when you're out with you when you are out with the boys you'll be partying hard and you'll drinking like crazy so I had one too much, and I couldn't handle my and I couldn't handle my liquor, so so that there was a point in time where I felt like I wanted to puke so I ran out and uh before I manage to before I manage


to puke into the into the toilet bowl I had spilled all over I had spilled all over the walls, and and my friend was waiting for me for like ten minutes and when he went to the toilet he saw me hugging the dirty toilet bowl like it was my best friend so I didn't want to do that anymore now so I decided no more drinking ah ya [loh] but which I did again after that


(mmhmm)


part two positive experience


okay so, okay Sayang what are the small things that always make me smile


okay okay uh to me right uh, things that makes me smile it's it's always like to see you smile every day when I when I wake up in the morning when I video call you I see you smile because I love to see you smile every uh your sweet smile


on top of that , I also like to see when kids are playing around laughing you know uh with no worries in the world it's just uh reminds me of the of the time when we were young when we don't have any worries


of our of our own we just enjoy what we can you know uh, that is why I always sometimes like to be back to the old days where it's a much less pace uh world you, have more more time to enjoy instead of rushing here and there and also at the same time uh


the act of kindness of people towards the less fortunate, especially you know you see like those card box uh card box uh pushes the tissue tissue sellers you know when people give them small amount of money you know they are happy to see that we are supporting them so to me that is a good thing yes


yes yes yes yes yes, (mmhmm) (mmhmm) yes


sure I agree with that one as well yes I do agree


I believe by by going offshore to work ya I believe that okay I know that being away most of the time I miss a lot of gatherings uh family gatherings festive festivals and, stuff but at the same time uh it makes my life as well as my family life better and also


the monetary rewards is better and also for the future of uh that's for the future for our sake of our family next time I believe that you know these sacrifices will help us grow you know and how about yourself what sacrifices have you made


right


it broadens your


where


right I understand yes yes, it makes you more grounded uh more down to earth to the people the unfortunate


the the latest show that I've I've watched is uh Ertugrul which is a turkish turkish show right this is, about uh the ottoman empire on how they they were on the brink of breaking up and


he came in and he he lead, the ottoman empire to what it was until the until the nineteen hundred I guess the how strong they were and how they were and how they were defending against all the invaders and how he managed


to you know try to solve issues among their own people it also it give me the what you call that uh like uh not say uh, encouragement or something like that because uh he comes from like a from a herding herding community


and he rose himself from a from a low from a low class, to uh to where he was, so it gives you like you know uh motivation to try to work harder towards things that you you know you want to achieve, and how about you


(mmhmm)


(mmhmm) (mmhmm)


you're right


right I understand, so basically it's just a it's a sob story kind of movie right


ya okay okay , ya this I should put it more to my my best friend okay since I've known him for like over twenty over years okay so basically


we, we are into the same football club we love our football club like crazy you see okay, basically we just won the championship last season after over thirty years of waiting so it was like a good thing for us so basically you always talk about how they perform on the field after every single game you know and uh we


we also managed to watch that the game in the UK together, okay also he's also into into riding bikes, which is into classic scooters which myself I love it as well so basically we have a we have uh old uh classic scooters a lambretta actually okay which is not not in not anymore in production in in the world the classic bikes are no more in production so basically


we are trying to revive all these classic movement classic vehicles so to me yes he he my myself and him we are quite into this so we do enjoy doing all this uh this riding


together and the last thing uh the last thing of I've common with them is that uh, we are into the same kind of music ya I listen to a lot of english musics rock especially rock we we love rock and we we love uh alternative music


uh like indie indie indie british indies music so so we are into our oasis , uh verve and all those you see, ya I've been I with him unfortunately no but uh I did go with some other friends during that period of time I manage


to watch coldplay radiohead if you know and then I watch , red hot chili peppers at hyde park in London, and then uh, and I do watch uh I I I like I like my uh life


concerts so I one day hopefully we could go together when this pandemic is all over and how about you ya


right


I understand


I believe you know where it would be it will be greece to me because I find that it's a, romantic getaway for honeymooners you know since uh you know we you like to travel and I like to travel well you know I find I choose this place because of the beautiful beaches the great architecture


so and they have a lot of history behind behind the country so on top of that uh, I just want to spend nice time with my other half uh in this country so that you know I love the beach much see that's why I work offshore so basically it'll be nice walking around in all this


small uh in all these uh small small lanes and stuff like you know when we are in the islands of Mykonos and and Santorini, ya so that will be nice while you are wearing your dress and I'm into my normal polo tee and stuff while having a having a nice drink along the way


ya


right, (mmhmm) (mmhmm)


(mmhmm) right (mmhmm) (mmhmm), right cool that's nice to know that ya


so on the next topic what are what are the three, things you are most grateful in your life for in life sorry


family family is the most important thing in my life because , usually I was I will if I have any doubts about stuff I will usually speak to my younger brother which I'm very very close to since since young we always get into problems with each uh problems together we always doing all the naughty stuff together


and also at the same time he give me the moral support and if I have doubts about stuff sometimes he will he will he will always give me uh some solutions, to to to the if to the problems that I have right and also I I'm grateful that I have a fiance


ya she's like the sweetest sweetest lady in my life you see because she's always uh very patient to all my quirks, and I'm always like I don't know and she's like okay you know she's always been very very patient towards me and I'll say which which I like about her and also uh I'm I'm happy I'm I'm grateful that


we are healthy because what's the use of having money if you are always sick you know even though, you know you you always have to think that you know you always try you always have to try to keep yourself healthy because


you you don't know with this kind of pandemic those unhealthy people you know it's easy to get into uh uh uh that it's eh it's easy for them to uh what do you say uh contract or contract this to uh this this disease so ya I'm


very very I'm very grateful to being a healthy person


business strategies and opinions, okay so let's talk about what do you think about investing or trading is seen do you think investing or trading is similar to gambling


okay I'll start first so for investing I think it's more to them expecting a profit or an income from it whereas for gambling I think it's more to them


risking your money without knowing there's outcome of it


ya I do feel that when you gamble you own nothing but when you invest in something you own a share or you own a share so, there is more positive


things about investment compared to gambling for me, so I don't think they are similar in a way, but, for both they do they do uh, for both I believe that for gambling and investing or trading


the key principle is to minimise the risk and maximise the profit take the the reward for it, so and furthermore I think like for investment that the investors have more reliable or relevant information than


gamblers do, because gamblers have they do not know what are the outcomes you know get what it means


but what does investing mean to you


but I do I I do agree I mean invest, I mean we are at the age when we should be, we should start thinking about this so for me I think it's true lah you, invest, in the for the for the future for your for our like universities and all you know uh our housings and


what so, it's but I believe that there are risks, in investing, like the more we invest the like when we invest we are more prone to uh losing the money that we invest to you get what it mean


the stock market the stock market is not that economy so what are your thoughts on on it, if there's a fall in the stock market there's a, there's a risk in the economy like if you want to take the this this pandemic for instance it's affecting a lot of


retail stores so , since it affected a lot of retail stores their stock markets are really low and it eventually affects the economy wise


but I I I do I do agree because I, I feel like even for businessmen and businesswomen for this pandemic they are also struggling for their stocks market and all, ya so


uh do do, how would you recommend a student with little cash at hand to plan their investment journey I think we can relate to this so that's how let's see how we, can answer this question


how would you recommend, okay first thing first I will have to approach uh, experience I have to approach an adult about his, investment journey


because I think we are all interconnected in one way


ya I do agree, I think when we come to a certain age it's as if we actually, since we have little cash it's hard to plan now so in the future, maybe we can't start on our investment journey right yup


so they should should I invest on financial advisor or should I invest on my own what do you think I should do, I think I I think I should try I since it's since I'm not familiar with it I should definitely invest with a financial adviser


like what you said ya you know it helps a lot it clears a lot of


but I think we should yup but I think we should be very careful to


they , I feel like, financial advisor at what age do you plan on doing, thinking of on, approaching an financial adviser


(hmm) agree, so , like err should we, but I I yes I do agree that the we should


think about it when as we grow old when we are already ahead of time, what are your thoughts on the leverage , on investing in highly leveraged products like options


okay leverage do you know what's leverage leverage leverage is the use of debt, oaky it's still amplify the returns of from an investment of a project


so it's like investors used to leverage to multiply their buying power in the market, it's not really thoughts ah but it's more to me understanding


what it is, so I think it's like when they use, if you are to refer to a company or property or investments as a highly leverage, company it means that maybe that that that that item has more


debt than equity, like the concept of leverage is used, from both the investors and the companies, so investors I don't know I I like to search up on all this so investors use leverage uh to to increase the returns that can be


can be provided to an investment, do you do you get it, I mean it's it's, okay let's skip this , let's go and change next one ya okay


I would definitely invest my money cause it's like a huge amount of, money you know so it's, best that I invest on it I think I mean personally I think it's best if I invest on it, property


maybe, maybe I mean what what are your plans


(hmm) I think it is ya I think it is for me it is ah, definitely less than thirty percent I think, cause I feel like the more you invest the more risk you are taking


because for some people two percent is also considered like a lot for them you know


so how would you allocate it, but did you, (hmm) like, do you have the habit of saving, how how do you ensure you meet your saving goals like personally for me I do have a habit of saving so every time like from my part time jobs and all if I get the amount of money I will actually uh give my dad because he holds my saving account my personal saving account


so I'll, just give him that a certain amount and tell him that oh can you please save this for me so that's how I I make sure I have a saving in me


but how do you meet your saving goals like for me , I would always have a monthly plan planner for me so let's say I have my allocated dates of work, so from the hours and all I'll just count how much I will gain from there from each day and I'll just plus and if it beats like my monthly uh goal so let's say I want to achieve five hundred in a month so I have to ensure that my working hours meet


my pay you get what it mean, ya so that's what I do, to meet my savings goals


in the future yes ya so would you like consider your spending habits to be healthy, I wouldn't consider my spending habits to be healthy honestly but but I spend a lot on food but the thing is that


I spend a lot on unnecessary things like the things I have already at home you know you know me so I like to shop, I like to shop but, I so I won't I won't consider my spending habits to be healthy


I wouldn't consider my spending to be unhealthy if I spend it on my family like I think that's the best you know when you use when you work hard you earn your money and then you spend it on your family so I consider it as


one of my healthy habits of spending


that ya so I do, , but ya I think with friends also like you know we always spend for each other things food and all so, I don't consider that as a unhealthy spending also I mean as long as we are happy and we are having fun that's not a


that's not a unhealthy spending (mmhmm), do you have do you have insurance, do you, do you plan to have


(hmm) I don't have, I'm not sure if I have an insurance


I'm not really sure, but even if I would want to have, I will discuss it first with my parents, my family members about it


because uh but I think it's best if you have insurance like let's say you you like let's say you got into an accident ya health insurance car insurance you know it helps a lot for you cause it's quite costly also


ya but I think health is very important when it comes to investment, uh no when it comes to insurance, like it's very important to have insurance for your health uh because you never know, what will happen in the future so you have a backup if you went that's really good already


you agree yes


it's singapore so, ya but let's , it's good that we want to have insurance you know, so which insurance company would you buy from


okay in terms of these I'm not really like, I'm not really good at it but definitely I will look on on the car insurance my health insurance


negative experience in your life, what is your biggest pet peeve, mine is when you grit your teeth especially when you sleep I hate that sound


!ee!, like you know when you grind your teeth when you sleep ah it's


(hmm) agree, what is your greatest fear


I think mine okay I think losing someone, we love is , manys fear many fear many fears that, but for me ya but for me it's deep, deep water deep ocean deep seas


it !ee!, ya I just feel I feel very dizzy and it makes me it's because like you know you never know what's under the water like some people find it amazing some people find it interesting cool


but for me it scares me because you know sometimes in uh like like the internet there is like pictures of uh fishes the scary looking fishes you know, uh ya and there are some fishes that we have never seen in our entire life and you know it's all like down there you never know if it's right below you or something so scary


have you ever experience any loss in your life and if you have describe your emotions at that point of time and how did it and how do you deal with the loss, should I share mine first


yes my best friends a few lost in my life and at that point of time I'll talk about my recent one lah, at that, point of time , I mean how did I deal with it uh it took me quite some time to deal with it if you were to recall you were there for me right so


, it was very hard but okay at that point of time when it happened I it felt like it felt like my the world was crumbling down, you know you felt like the world is crumbling down so


err it took me uh it took me some time to get used to the idea that oh people come and go you know, like if, it's their time to go it's their time to go, so


ya that's how I dealt with it I mean it took me a lot of courage to deal with it so untill today I'm very thankful that I got over it


talk about your worst travel experience, okay my worst travel experience would be when I was in turkey it was


because uh we went with okay my family consists of like, seventeen eighteen people, so we went with we went we went on a tour so there were other people too and uh when we reach touch down because it was a


eleven hours' flight so we when we touched down we were all like very cranky very tired from the flights and all because you know like airplane seats are very uncomfortable right so, we were all very cranky and then , I feel like I could do so much more


when I was there compared to when it when it happen because when I was there I didn't really manage to like, there were a lot of time constraints and all so it didn't really make everything like worth it you know I didn't get to admire the scenery like how I wanted to


and all because of the time, so it was very time constrained so that's one of my most, worst travel experience I would do anything to go back there so just so I can enjoy it


ya that's that, describe the moment when you feel like the world is against you


the world is against me, I think, the world is against I think there isn't any particular like significant incident, but other than that I think if the relationship wise uh


recall a scene from a movie that made you cry in sadness okay I got this one movie I'm not I think you you know about it uh it's the, is it miracle in cell number seven, yes it's that one it's the korean version of it


the turkey version is also very sad I cried too it is very very sad because it feels like, like innocent man in life you know like, and then the child cries you know


okay so, share about the time when your best friend backstab you and how did you feel, how did you feel and how did you react to it


it's not a she's not a best friend but more to like a close friend we we were actually very close when we tell each other things, and then suddenly I've heard, things go on saying that oh I've done these bad things towards her and all when it's not true you know I've had that those


those, do they call it rumors I don't know those those those news, that goes around saying that I did something bad, and all, and she told all my secrets to her friends I think at that point of time what I felt was betrayed


I felt betrayed I felt angry sad how did I react to it , I actually approach her and tell her why do you what what's going on and all, ya


but we ended things you know on a good term so I think that's okay


ya agree , describe the embarrassing moments that make you cringe I think our primary school moments makes us cringe when we, recall about it like every time we talk about it we were like cringe you know


so I think, ya like looking back at our primary school pictures and then the captions that we put it ah, ya that that that's very cringe


but if you were to recall that growth were good times you know, describe a


I think this this this this moment is when, , this moment is when, I think this moment is when when we are at our rock bottom like we feel like nothing is


nothing is good enough for us like nothing we do is good enough, , rock bottom


I think when I was in sec five I think everything nothing that I did was good enough


describe what do you dislike about the younger and older generation, okay this is a hard topic okay uh I think


the younger generation is to relax, you know and I think like, they are too stressed over like


I mean it's not wrong but some people really stress about it you know where they feel like [orh] they are not dressing enough and then they feel down about themselves


I feel like the older generation is more, to like, they think they know best, I mean, okay let's put in a scenario for a teacher and a, and a child


I think for a teacher and a child it works both ways you know because I feel like the teacher can teach the child something but the child can also teach the teacher something so let's say we give a child, a block uh blocks to play or blocks to build they can come out with their own creativity that teachers won'td even have an any idea on you get what I mean so it's like a two way thing so I think but it's hard


for us, to it's hard for the older generation to agree on it because to them it's like that they have a lot of experience in all aspects, which is true but, it can be somewhat


unfair is that the right word, but they help us a lot too


ya you are like excluded from your group of friends, ya, excluded from your group of friends , excluded yes, yes yes yes


that experience [orh] it sucks because it feels like, you know like we once shared something together and we have a common thing with, one another and then suddenly like, you exclude it out in all your


your outings your conversations and all we just like shut me down, shut me off you know that kind of thing


[orh] , let me think


experience in your life, okay, what are the small things that always make you smile


okay for me okay you go first no you go first ah okay I go first okay small things that makes me smile I think , the small actions that people do for me so let's say like maybe I'm in a dull mood and all and suddenly maybe my my dad will come into the room and give me ice cream to cheer me up I think those small things uh helps uh makes me smile you know it's the thought that counts


so what are the three things you have in common with your best friend or partner, okay since we are best friends so let's just talk about us, okay so three things common in us I think we are the very


, we are very serious in some way like we always have serious talks whenever we meet I mean not really serious talk it's more like catching up on what's going on in life for us, right and


and we love to eat we are always eating when we meet you know, and, and three common, things (hmm), we both have a thing for hats


again yes, ya accessories, I mean I do wear hats too when I'm when I meet you cause I'm lazy so I'll just wear a hat with a hoodie


okay yes it's greece right, so we actually plan to go greece at the age of twenty two but , hopefully the pandemic ends by then, right


but there's also one place that I there's also one place I would want to visit actually that I've been saving for actually all this while, I've been saving for my korea trip remember


ya so it's very sad that that the pandemic, happened this year, ya I went there with my family but, I'm going this time with my friend so uh we just want to go through all sorts of places I wasn't able to go with my family


ya I think it's ya, so let's


(hmm) [orh] yes


ya I think one thing that I admire about you is, your, your kindness like you're always down when people ask you like like even if it's last minute like let's let's, put me as an example like you are always down like you know I can just text you at at night and be like are you down to meet me I'm kind of down right now like can you meet me at a block or something and you are always


and you are always like there you know, so you are that one friend that I can really rely on and then that okay that's one number two is you are very very funny, like you'll crack jokes out of nowhere


and livened up the moods of me and the rest the rest of the girls, and the last thing is that you are smart, you I think, , I think you prioritise your studies a lot and it's very admirable lah


you know like when it comes to study you are just like so focus and all that so it's very admirable


okay thank you so, let's talk about one of your most memorable memorable travel travel experience


memorable travel experience would be, , korea but other than korea I think it would be #xi an# which is in china I went there for a school excursion back in sec three


and I learned really a lot from do that trip like really really a lot I've went to their schools the urban and the rural schools so, like for instance,


the one that impacted me a lot was this uh where we had to go to the like uh the village school kind of thing uh and it was freezing cold it was freezing cold but there were you know like, a heater or warmer you know heat pads and at all for the kids and I was in the twelve years old kids with the with the twelve years old so they were just and they were all smiling and laughing and it was really like !wow!


it's really a, eye-opening you know experience, ya that's, that's my most memorable travel experience


(hmm) that's fun


I think both of us is the same like we talked about this before right, ya, it's our N level results, when you get to go to poly and I went to sec five


I was a crying mess but I was really happy , I was really happy ya it was happy tears


I think for me it's not really an activity it's more to like, sitting by the beach or have a picnic where there is an open air you know and then you get to just admire the clouds admire the sunsets and you'll just lay down with your loved ones your friends or your family


you know that kind of thing, I think that is the best distress activity that I can do


so uh what do you love most about yourself, , err what I love most about myself, that's a tough, question,


I think I love, how uh, how patient I am like I think even if, there is a lot of things that keeps on breaking me down, I will still want to like pursue it


I was, like hold on to my belief and can go for it


what was the best meal you've ever had I think mine was when I was in korea like the food there is super nice, let, let's save money to go there after our greece trip, the food there is really nice like like you know in singapore we have Seoul Garden and in korea I mean they have their own authentic foods right like Bibimbap and all


I thought it would be the same you know like like Seoul Garden Bibimbap is the same as korea's Bibimbap but it's actually really different and I realised that their Kimchi comes in different taste like if you go to different shops their Kimchi will taste different some will taste very salty some will taste


sweet some will taste spicy so it's very so all the meals I had in korea is nice, I think Kimchi in singapore it's a bit more to the salty


but in korea it's spicy (hmm), authentic taste I mean ya it's something


(hmm), describe a, time I think there are many instances when I was appreciated from my hard work thankfully uh but one of it one of it will be other than my job hard works then it would be school


it's more to, my N level because , I remember I was, giving up in my science, back in sec three and my science teacher actually approach me


and he, talk to me about how I was actually improving and that there is there's a possibility in me excelling in like that subject, so he push me a lot that period of time he really pushed me and


I showed great uh I showed a great result for my N level and he came to me and he cried with me so it was like !wow! so I felt like I was appreciated from my hard work you know


so err, describe the best movie or TV shows that you have ever seen and what do you like about it, I watch a lot of movies oh my god I know what's my best harry potter


yes, TV show is like a korean variety show it's called running man, I watch it every monday with my family so it's good I mean it's a good it's it's a good thing also because it's a family bonding you know


so what are the sacrifices uh what are the sacrifices, you've made that made ya, that worth everything, sacrifice


worth everything since we are still young we can only relate it back to , oh okay I think, my sacrifices that I've made was last year like uh since my school started in october I had the rest of the month to actually work


work and work and work so I sacrifice a lot of my time working because I had to save up for my trips for Bangkok and korea right so , I really used I really had I barely had time for myself or barely had time for my family so it's like I was working every single day because uh it's a flexible hours so I will work every single day


and then like, sometimes when I feel like I'm not, giving much meant much attention to my family that I would like maybe , spend one day for them you know that kind of thing so I think those sacrifices was worth it because at the end of the day uh last year I got to go Bangkok and then I still have savings


investment strategies and opinions


you want to start first


okay in my opinion investing or trading is some sort of similar to gambling cause it involves money right but in terms of how it works uh it's different because gambling you can just


go with it like you just give in all your money in to the into gambling whereas investing or trading uh, it's just like you have to really plan out what you want to invest on or like what you want to trade in but both uh gambling and and investing and trading they have their losses ah so ya


ya because gamblers is like you can just gamble anywhere like investment or trading there is a certain company who do the stocks and stuff like as like different investments ah like you can invest like different banks and stuff like for example if like gambling is


just ya there's no uh not a certain like reliable source you can uh go to you know ya, investing is more of a future slash retirement plan for me lah


like in the future if I invest more I might earn more and I might benefit more from what I invest and it's not investment for me I feel that it's not just our savings


or our like it's not just savings lah it's just more of, future thing ah ya how about you


ya ya true, because like there is stocks right then like, the there's ups and downs of it lah and like if you invest in something and uh


I think economy wise if it's not good you can actually lose a lot a sum of uh money and like what you invest wouldn't be, you know err, you wouldn't get the same same back lah so ya there's a risk of it lah


the stock market is not the economy


ya I I agree it's obvious that actually I feel like stock market is there's a relation to it lah cause, I think uh it depends on the economy then like how our income is affected by it and if we don't invest in the stock market the it will like drop ah I think it's that I don't know if it


ya, I think, this is like err


I think for me I would like go to one of the banks lah maybe for me


ya like one of the banks and you find an advisor an investment advisor or financial advisor and like you know uh slowly go with uh come up with a plan lah for me and like


err maybe we could do some research also, like what other ways because uh in singapore there might be a different type of investment and in like US it's different and stuff but I think stock wise should be the same lah because if US


drop then we will drop so I think, ya ya I have stock ya small, knowledge about it but ya I think for us a student like we could relate it relate to it so much that thing we like with what you go with uh I would ask an adult lah but


for usually we would try to move for you know advices I feel like we should go for an advisor ya


same, because they know, what is the best for us like which investment right, uh category we should you know we should put more percentage more attention towards like which one we should invest more lah so I feel like for me I will also go with a financial advisor than investing on my own


because it's quite risky lah I mean if it's more riskier if, we were to do it our own on our own lah, so ya


in since you are nineteen I think it should be in two years' time I that's what for me lah for me in my opinion because uh I think we should be


already having, either a part time job and then you know we are going into our adulthood already so I think it's a ready time to


okay so what are your thoughts maybe you can give me a hint in this, (hmm)


(hmm)


ya I think we should move on lah, let let's let shall we move on to uh question twelve which is if you have a sudden win for of one million dollars will you invest your money and how will you allocate your assets for investment


ya, ya, will you invest in property I think I would


okay I mean I I would of definitely will invest in the one million dollar lah , maybe err, let's say okay we go with okay I don't know it's it's do you think thirty percent is a big amount to invest in I think it is eh


right so okay okay what's your percentage if you want to invest


right I think, I think I will go with like five percent first lah, because like you know but, ya cause it's my one million right


ya, I feel like if I were to invest maybe a two percent I think two percent lah and like you know, err


two okay


okay for me right uh I'm still learning how to save because I am actually a spender but uh


like I've seen like a few videos on how you can uh like you know uh set your income so for me I think thirty percent would go to my savings lah and like, uh fifty I think around fifty percent would be the expenses because there are stuff to you know be paid for and like another ten percent would go to my parents lah so thirty percent should be going to my savings so we


(mmhmm)


ya so yours is okay, I feel like I don't really set on a saving goal because


I think it's like, I just you know just put it in because I I don't know for me I just put it in you know, I just don't like think so much about the saving goals you know just you put in the savings and you see how much you are saving ah you know if


the more you'll the more savings you have the more happy you'll be mah you you agree right ya, would I consider my spending habits to be healthy


I am, I think fifty fifty


because I usually like you ah same I think we both spend money on food right so like, I don't know I will be spending more on food but when it when it comes to other stuff right, I think twice you know if it's like for food it's like okay I don't mind spending but if it's for like stuff if it's I will really ask myself if if it's I really need lah


if let's say uh I go on uh Uniqlo is somewhere I would spend my money on so sometimes I really think twice when I want to buy you know so I think it's like fifty fifty it's not healthy but it's not unhealthy also so ya


that one is like you just you know you don't mind spending how much you know for that month for them especially when it comes to your family members lah ya


(hmm) ya, as long as it benefits us lah right, ya uh


I don't have or I'm not aware of if my family my parents actually have I think I have have plans to have one, especially the health insurance ah even though you know we all have medisave how about you


ya l agree cause it's like it's like a backup you know because you can just pay with whatever you have but insurance can cover it you know even though you know it's like a sort of investment also your health is an investment lah don't you agree, ya (mmhmm)


ya true I agree ya so like I mean we should start lah even though you know we we all I think we all have MediSave right ya but I don't think that you know that is uh like I don't know whether it's sufficient I don't know do you think it's sufficient


like MediSave ya ya I I agree


okay I haven't


I haven't research up on their companies that you know do this but I think AIA or Aviva should do it you know but I don't know I think I'll go with AIA, ya


negative experience in your life, okay


okay I've never experienced that actually but okay my biggest pet peeve is when people actually hog the walkway and they actually walk slow


ya, no offence but really I if I'm in a rush then it's, something like you know ya it's annoying ya, my greatest fear would be


heights, ya but it could also be losing someone I really love, yes it's


(hmm) when you cannot touch your leg on the eh when you can not land lah


the sharks ah the big big shark or like different type of


ya definitely, okay I honestly have the same type of fear but if it's like for me if I can learn to swim right I wouldn't be


that kind of scared, but for me I have a fear of heights , but I don't mind doing the like skydiving or anything like I really you know but like for me if I stand okay let's say the shopping mall it's like uh


at the highest level right and then when you look down ya that's my fear literally it's just so scary


ya you should share yours first, (hmm)


okay for me definitely we experience a loss in our life lah at one point of time and for me I also have a recent one and it's definitely not only one lah parrot and sadly it's not only just one but two of them


, my emotions at both uh loss, it's just shock because I wasn't ready for it to happen and we all were not ready lah in any case right so my emotions was just shock and I needed to be strong for myself and for my family members also and like


, I definitely we were all sad about it lah and, , for me how I deal with the loss is to actually accept that they are gone and like you can't have them back also lah so I don't I just you know grieving is another thing but for me I was it was


hard for us to get used to them not being there especially when you see them everyday uh it feels empty but, for me uh, it's just the acceptance ah and the the strength you need in yourself you need to bring yourself and uh accept it ya that's how I dealt with it lah


ya okay , I, err, okay what why not you see I, don't know don't want


okay for me okay I just the neighbouring country ah and that point of time I think everybody wanted to go back and the queue was damn long it was until the back


and then I just had we had another uh we were supposed to go back that day but, we resort to another solution which is to call my relative and pick us up so I ya it was just ya cannot forget that ya even though it was not the worst but it's


you know ya (hmm) okay , uh, why not you go first


(mmhmm) okay for for me I feel like


I cannot recall also a significant one uh but I think uh about the choices I made, you know in whether what where I'm schooling and stuff


like for me when I okay when I was uh I had my results of what what school I went to right and people be like what this and then this school and like I'm just like !huh! I feel like everybody was against me going to that school


and like ya next would be


same same okay I watch the turkey person ya ya I think


ya even because, ya because he wasn't able to justify himself that's what made us that and him getting the punishment wasn't really fair that's why, you know and and he's a father of a young girl who had a future ahead of her and not having the father beside her is just ya it was just saddening


that's good okay for me I, don't really recall


a best friend backstabbing lah but I think in primary school we had one right, and, ya we just drifted apart lor and for, uh, for me in secondary school and poly I haven't encounter one


but, hopefully not lah in the future, and I don't think


definitely the the pictures are the pictures, the, ya


it cringe cringe ya, (mmhmm) okay


describe a time when you feel that nothing you do is good enough


(hmm), do you have a specific moment though ya


(mmhmm), I I have, okay I think there was a time when I, it's just like, same same in secondary school it's like how much you put in the effort and you just don't feel like you are doing best at it and you are it's not even showing lah that you are good enough


ya you know, I think we both can relate to it lah and like, err for me uh, in I think relation uh friendship wise also you know nothing you do is good enough in relationship wise lah there are there are always times when I feel that way ya


let's go, to uh uh what disgust you , okay can go for it uh, why not you talk first


like they focus on the trend is it and like, like you know ya I


ya I think the younger generations have more pressure on peer peer pressure actually and you know ya I think we were once like that but for me the younger generation now's uh more


uh brave for me lah I feel like because they have more freedom now that's what I feel, the


okay


ya, ya


ya I agree cause like you know sometimes the older generations are like


not that open ya because they have a lot of experience in life and definitely they know what's best and what's not but sometimes it's very hard because they are not open to uh, the opinions that we have and stuff like that you know it's like oh I know this and this is the best definitely we will agree with that but sometimes we want to go with our way also ya but it's you know


usually we should just listen to the older generation lah but, the younger ones I think they have uh more freedom to their opinion now I feel that's what I feel, ya, so err


I think we should talk about, have you ever been ostracised or felt ostracised ostracise is the left out right, or like you got, pushed out like ya ostracise is


when like do you have a specific


(hmm) ya, that feeling is unpleasant I mean I haven't I've never been ostracised but I felt like I was ostracised


more of like, uh slowly having a clique right and they building a clique in the clique then when they go out you are not there I mean it's uh it's and I don't know are we supposed to normalise it but


that's when I felt ostracised ah but it's never, I've never been ostracised but, I felt, that way before and like uh, it's just that sometimes, you like what you said they share you share some


thing but now for me I felt when when I was feeling ostracised they were sharing something that I actually don't I can't relate to, and like it's it's it's not a nice feeling to have you know ya


what okay let's go to what disgust you


okay shall we break it okay honestly for me, people who have like very bad, attitude, like they think they are the best like their


their world revolve around them only like that kind of people actually sometimes you are we all we all are at some point of time but there are those really like revolve around them only, ya there's that that people disgust me actually but no offence ya


honestly okay you start first you start first ya you start first


ya I agree with the the way the the the quote you give uh for me I think small things that always make me smile is, just being around your loved one lah and even the smallest little laugh, is happiness mah and like


err, for me seeing other people smile even though it's you know it's I I figure it's a small thing you know seeing people smile is feel it will always inside make me smile, ya so ya


can can we can talk about


ya we we are okay


one more you have one more, ya sort of I think hats accessories lah as in for you, okay, ya same I also


okay let's go with, , okay what is one place you love to visit and where I think we both have this common place that we actually wanted to visit right, so ya


ya I remember, okay honestly why do why korea I thought you go you go to korea before


I see okay for me for me I, think one place I love I will love to visit is I think iceland because there is, uh aurora borealis the night lights I want to go there and like


take nice pictures and you know just stay in the igloo and, ya it's a good good place to visit ya, uh which shall we go with uh what are these three things you admire about your best friend or partner okay let's we we we're going to talk about ourselves lah


right ya


(mmhmm), I think not to this point, ya


okay for me err, three things I admire about you is, how you are you know very determined when you want something you make sure you get it and like


uh like you just, no you should do this to get that thing you will go for it like you just don't care, of what you know other people is, uh say about you you know and I've I love how you don't care about people's uh oop like


you just don't uh really care about people's uh, who talk about you lah like talk bad or anything you know you don't let the words affect you ya that's what I, admire about you and another thing is


ya you are very caring actually even though that exterior is very fierce right you actually uh is very caring lah so ya, okay ya


why not you start first because I think you travel a lot you know


(mmhmm)


mine would be my first flight to Bali I went there with my school like yours to Xi'An and it was very eye-opening lah, to see other country you know and like other than malaysia ya like uh I think I went


to uh the school also which is a green school Bali and the alls they are the structures all are made from bamboos and you know they just study there and like it's just a very it's a very calming atmosphere, to study in you know and it's very like I don't know I like


the atmosphere itself ah it's just very cool and like I went oh my most memorable one was, uh us having the mud fight so that mud right you just fight in the mud ya and you can actually used to you for your face it's actually good for your face apparently lah so I I had fun uh playing in the mud with my friends


ya and we went to the school and it was very cool lah because it was like very old school kind of thing like very you know uh I think it was uh like


the the tables and chairs were wooden still and it's just very cool lah because we don't get to experience that and the people the students there are very, very nice very friendly so ya shall we move to uh what is the proudest moment of your life


ya the results day (mmhmm), ya I think because we put so much effort in it and that's why when our efforts it been paid off we were like so freaking proud


ya I think you could both relate lah cause I was definitely smiling on that day ah !yay! happy tears ah, okay okay let's go to


describe your favourite activity to unwind and relax think that's very interesting


ya, ya


I think for me I will also go for uh, beach to the beach and have a picnic to just relax or maybe just you know hang out, and somewhere and just watch a movie or like you know uh


I just sit down and talk ya I just relax ya, okay you shall start first ,


ya definitely a hard question


(mmhmm), I think for me I love most about myself is


my like strength like, similar to your patience ah I think mine would be the strong exterior I put out and like how when things get tough for me I try my best to you know


be more uh, positive about it like I don't like to be so sad like I'm not the type of person who is , like you know I can't I can't make myself I can't see myself being so sad for a long period of time I am someone who cannot be okay must be happy at least for a short while right at least in one day there must be something that makes me happy lah


even if it's if it if it's myself who make myself happy lah ya, so that's what I love most about myself, very hard for me to bring myself down also at some point, ya


oh my god I


(mmhmm)


okay for the Kimchi part the ones you eat in singapore how how different it is, is it like the authentic taste kind


okay for me I think the best meal I've ever had okay I'm someone who just


don't mind eating anything so I think the most uh best meal is seafood with my family, it's just you know the ambience and like you know seafood cereal prawn ya that's the best for me lah ya let's go to the next question which is


err, describe a time when you've got appreciated for your hard work


so touching, ya if for me I think same as you


err, for me it's like ah during, my my my weakest subject okay actually not really the weakest but, at the point of time before the exam right I was actually not doing well lah and my teacher didn't actually have faith in me that was sad but after I got my results for science right uh my teacher was like !ee! good job and like you know


I've put in so much effort to actually prove my teacher wrong so it was like ya, got appreciate so ya okay why not you choose


okay first movie movie ya I knew it I know it okay TV show eh


if for me best TV show ah I think movie can't really think of one right now but TV show would be friends that is the best, show I've watched lah then like I what like about is it just six friends uh living their life and living their own life like they work and stuff and they come back together and you know actually live their life


together like you know they help one another and it's just very cute it just uh it's funny and it just, uh make me uh, how to say appreciate my friends lah you know ya it kind of teaches me some some things in life also


ya okay


okay why not you go first


(hmm)


(mmhmm) okay uh


okay I cannot really think of any I don't take surprises which is bad but okay let's move to uh okay , like okay I have lah it's like leaving my, okay I can't remember but ya


finance hi, hi <P2>nellie</P2> okay, yeah so I, uh yeah ah okay I hope you will I hope you are doing well so I just I wanted to ask


okay so err, so err okay err let's err discuss about the finance now, okay, so err how do you think you know like we can invest our money to accumulate wealth, and or or to like you know like plan for a retirement ah


yes uh


ah I see okay yeah I mean for me also actually you know because I'm only eighteen so I haven't really thought about my retirement yet but you know I think you know as for accumulation of wealth I think I'll probably you know like once I'm of a, legal age in uh in three years time I'll probably you know afford open like


a fixed deposit account and you know start to invest some money so that you know I can I can accumulate wealth so err but then you know you must still ensure that it is stable and all lah because, so that's why we have or you always have to like you know go to the go to the a recognised uh insurance companies instead of the


instead of the unrecognised ones,


oh no lah I mean because for investments right it depends actually so I know like insurance agencies that actually uh have, uh like their their basic uh, uh their the lowest that you can deposit is hundred dollars a month


which is I think quite a affordable rate, yeah so, I don't think I mean I think you know that is quite , okay I mean we can I mean I will consider for myself some investment opportunities, in future yes that's right okay so like you know would you


like to would you be like you know recommending uh can you recommend any strategies to someone who is planning for like any big tickets expenditures such as starting a family or buying a car or a house, uh


oh okay yeah uh I mean sounds good I mean for me I feel that you know it all has to start with saving first so if you save from a young age then maybe you know if if in case like you know if you have any big expenditure like any


, major you need to like buy anything that is uh expensive such as a house or a car then we can you know easily tap on our savings because we don't have saving then you know we have like take loan and then we will end up in debts and all which isn't


very which isn't very ideal so I think we should always save up at least a certain amount first before planning on anything big, yeah


yeah they tried you know they are always have that some sort of foresight so that you know they know how much they'll be spending and all these if not, you know if they don't think about all that then in future they're the ones who's like you know going to suffer and all that right, so that's why yeah


okay so like how do you think you know you will manage your financial commitments before and after marriage


yes okay so yeah I mean I also think you know like we have to because you see for me you know I'm only uh, eighteen years old and I'm like still studying so I haven't really thought about marriage yet but I think you know once I met at I'm at that age and if I meet that person whom I gonna marry so I'll definitely you know discuss with


them you know all the expenditures like you know like uh who will pay for uh for what like how do we split the bills and you know and all these uh all these factors before uh getting married itself, so that you know after we get


after we get married you know we won't really face any difficulties you see like any misunderstanding or anything, so that's why yeah so , okay so in a post COVID world what are the changes


are you making in terms of your spending or saving habits, (mmhmm)


yeah okay firstly you know I'm so sorry that you know you you lost your job due to the COVID, yeah , so for me also you know I had a actually I had a, similar experience I should say because you now I was still working part time for this uh tuition company


and then you know in the end they said they didn't really need a staff you know because it was really, uh


do you want me to stop the recording or what, okay okay okay okay can okay can okay yes yeah yup yeah


so ah yes so in a post COVID world what are the changes are you uh okay so yeah we were talking about this so, yeah I mean as for me you know because I was mentioning I had a similar experience as you, so you know because it yeah so I was also you know uh asked to stop working you know I was also asked to stop working for you know when the circuit breaker started when the situation was really bad


so you know because all the enrichment centres all closed already so, for me also you know was the same situation you know I was without a job for like you know for for four months and then, you know it was it was actually I should say was quite uh hard and that's when I realise you know that you know I should have like uh


saved up more and all that you know what I mean thank god I had some savings so, it was yeah so it was err I mean I still managed to uh I mean, I still it was it was okay uh but you know I think you know if let because you know I didn't really think much about


saving and all that before this but I think now it's really important so that's why from I, think you know uh uh after this uh, experience I think I'll probably you know like err, try to save more and don't spend on unnecessary things because you know before this I like to buy a lot of like unnecessary stuff like if I go to a shop if I see anything that I like then I will just you know immediately take and buy but then


for I think you know uh as of, you know in today's world I think you know saving is really important so I won't really I mean I'll be more frugal as well, yeah uh okay so like


okay so uh what do you think of the of fire financial independence and retire early, so how do you think we can achieve that


yeah that's right you know I mean, for me you know I I mean I feel that you know we should still like you know save like from our monthly allowance we should just you know like save either save or maybe uh like invest put in a fixed deposit you know just uh, just like a small allowance you know so that you know when we retire at least we will have some level of additional funds you know instead of like retiring with


really nothing because if that's the case then you see like you know we see like many old people like still out there working and all that so you know since we don't really want to, you know like end up in that sort of state you know because when we are old and all we just want to rest so I think we should you know uh we should start saving and you know and perhaps even investing a little bit if we can


yeah okay so what, was you know can we give to someone who is, uh in, it's to someone who's trying to get out of debt, yeah


okay ya I mean I think uh firstly maybe you know they should like uh you know they should, perhaps like, stop taking more loans because you see like you know if they end up in debts right then they will take more and more loans in order to cover up the previous loans you see


yeah so I think would that is not a very err ideal situation because then they'll have to they will owe money to more people , so yeah I mean I think, you know that's probably not a good idea and you know I think they perhaps like you know just maybe err, maybe like find a better paying job or something like that and perhaps like try to pay off their loans


, yeah maybe let's say you know because there are like some people who are living in like a really big house like a you know like a semi detached house or something like that


so , perhaps they can you know sell the house and downgrade to a smaller house then they will have the extra cash you see to, you know to uh pay off their debts yeah okay okay err


for me I don't have a credit card I and I mean I would I I I don't really, and I don't think you know people should uh, you know actively own like many many credit cards because it will land them in more debt and yeah because


for me I'm, not really twenty one yet so I'm not eligible to own any credit cards yet so I use a debit card instead and that one is actually much better we can just you know uh it will deduct from our account so in that way we will not be we will we won't really end up in debts because


for many who has credit card they'll just you know like keep spending and then in the end you know once they get their bank statement then they'll end up shocked you know like they spent so much and then, you know they will not be able to pay off and then if they cannot pay off then you know they'll also feel really stressed out and you know they'll end up in a really err bad situation


so uh that's why I think, perhaps people you know should not, uh own like, I mean if possible they shouldn't own credit cards at all but , you know I mean if they own one I think they should be responsible and they should just ah


control their own spending, yeah that's right yeah


yeah that's right you know because I mean for me you know I believe that you know if you if you cannot like buy something you should just like you know save up and buy or just err try to find something cheaper you know don't like get, uh don't get involved in debts and all that because that will be even worse


actually so that's why yeah yeah, okay so what do you think you know we can, uh we can what advice do you think we can give someone, who wants to


like you know retire comfortably


yeah I mean I think that's true you know like, uh yeah I mean they should just uh you know like, always like you know save up and you know perhaps they should just you know like , try to you know like try to, uh like, retire comfortably lor you know like they should assess their situation their financial means and


you know from there they can decide you know like what, measures they can take like how much money do they need to save up you know in order to retire comfortably, yeah that's right and also you know like yeah they just have is it depends on their own uh situation as well like


you know if sometimes because some of them you know they might have like you know children to support them financially then, perhaps they'll need like lesser money to take care of themself after uh retirement but for some of them who are really like alone then they will need like money to support themselves like


uh completely so that's why they have to really look at all that, yeah, okay so ah what are your thoughts on CPF contribution, yeah I mean I


also think so you know because like err you know because they, you see if we if, if they don't have this CPF then we know we probably I think many of us like you know uh especially those who are not like frugal enough, like they they won't really you know like uh save they they won't really like save on their own accord so that's why the government have to come into the picture so that


you know they can err, they can ensure that everybody has a has a comfortable retirement, yeah so ah, how do you think you know like uh one can manage their CPF savings and


err what advice would you give to someone in order to maximise their CPF savings for their retirement, yeah that's why you know


actually in a way you know I'm also not really sure but I heard that you know that's why you know I was like you know I was also like you know confused because some I heard that I mean I, heard somebody mentioned to me that they can manage but they didn't really elaborate so I mean yeah because for me you know uh I mean for many of us it actually solely depends on the employer uh contribution and our contribution as well so you know err it depends like they'll just err deduct err twenty percent of our


err our, uh salaries so yeah I mean I thought that's about it so I'm also not sure actually, yeah


yeah you know maybe they can just put uh like some sort of a limit like you can only withdraw up to this amount like, per year then , I think yeah then I think it will be better


negative experiences, okay uh hi, so okay yeah uh I hope you are well so


err maybe you can err maybe would you like to describe a time where you felt that you know nobody cares about you


okay so you know for me like you know I feel that you know nobody really like, uh like, cares about me because you know I actually as mentioned I can't I can't really actually like you know err get along well with people and sometimes and even my own family members like they you know they can't really err you know


err tolerate me much because you know I'm really like sometimes too much you know, so like yeah because I have some I I actually I have like you know some you know like, err communication problems and all that so that's why so I like sometimes people usually like get offended and you know like they also like you know like tell me off a lot as well so I feel like you know like nobody really like


err care about me because like you know I mean they know like you know actually like how sensitive I am and all that and that you know I have like some you know like emotional issues as well but then they don't really like you know they don't really like you know put up with me much they are not really, like uh


like nice enough to me like even my own family members like they just you know often like scold me tell me off and you know these things really like you know uh affects my uh, my feelings a lot ah so , yeah so I think you know if if possible I wish you know they can perhaps like be a little bit nicer to me in the future


yeah I mean I can't really you know like err, point out a specific experience but I just think that you know overall you know I'm just not being understood by many people and nobody really you know like makes an effort to understand me like for example you know if I say like you know don't do this you know don't tell me these sort of things because it's because it really upsets me then you know


my parents or somebody else will just repeatedly use the same word on me they just don't learn their lesson you know even if I cry also it's like sometimes nobody really like you know, err, nobody really like you know like err consoles me they just leave me like that so , I feel you know I don't know I feel they are not really sensitive enough to what


uh I am feeling so I think you know I, I mean I hope that you know like, they can be nicer to me in future, yeah okay so, could you tell me the about the most heartbreaking moments in your life


(mmhmm)


yeah for me also actually like you know I have like you know like similar problems like with making friends and all that and I think you know the most heartbreaking moment was you know actually because I don't really talk much to people you know as, because I'm, quite introverted and all that so uh you know the most heartbreaking moment was you know like back in my uh back in my secondary school days I tried to you know like sit with a


with a bunch of people and then you know like they just err, they just you know immediately after that they just looked at me one kind and then they just uh moved away so I don't really know why they treated me as such but you know I feel maybe you know I think that was one of like the most uh


heartbreaking moments because ah that really ruined my confidence level and all that in talking to people yeah because I already have like social anxiety so I think you know that experience really wasn't good for me at all, okay I'm


not really sure what they thought but you know I I mean I I really I I really don't know what they were thinking but I think it was really, quite mean of them yeah, yeah you know I mean I'm also sorry that you know you also had this type of difficulties


yeah okay , okay so like you know err I would say like you know


uh like you know people have really because you know like err I was you know like bullied for a certain period of time like, when I was in school and then you know like they were you know like, those err classmates were really err nasty to me so they just like you know anyhow like you know like scold me it was not much of like you know it was more like towards err


err emotional, err abuse so even when I like you know told the teacher also they didn't really do they couldn't do much because you see when I, tell when I, when I report to err to the teachers about them then they get even more offended and then they err, they use even more harsh words so I in the end I just couldn't deal with it so I just


err you know like err, changed school in the end and things were much better actually so I think, I don't know somehow I didn't couldn't really get along well with the people from that class so I'm I'm not sure why, yeah how about you uh (oo) yeah uh


yeah I think you know that, I mean such err, remarks can really hurt people lah you know even though they might not have the intention of, err like hurting us you know okay so , what what maybe you can describe a time where you actually err


felt betrayed oh oh dear yeah uh yeah


okay for me as I mean for me you know I felt betrayed you know when you know because I I had one uh best friend back in secondary school, you know I thought you know I could like trust her with you know all my you know with all my experiences my you know like my secrets and all that but then she just you know like she was really


like like, she she was really mean to me she go and like you know like told, err some like she she went like actually like you know like I I don't know what she did whether she posted about it or what I don't I'm not sure, how they knew about it but then uh the next day the very next day you know like err different different people like you know started uh asking you know like !hey! have have you done this have you done that do feel this way and


you know I was really like you know like shocked then you know actually I confronted her then she said yeah you know I told a few, she said that she told a few guys she told a few people that you know I've shared with them all these and then I was like you know I was like you know like how can she say can she like you know release my secrets to like someone else you know I I mean to me it was really uh very uh mean


and I think, yeah I mean she shouldn't have like done such a thing ah you know I I afterwards I just completely uh couldn't trust her anymore I just uh you know like told her that we cannot talk to each other anymore then I just blocked her because you know I mean I think understandably it was really a very bad experience with her so yeah


uh yeah, yeah that's right you know it's just horrible, okay so what is the saddest what, what what was the saddest moment of your life


oh dear (hmm)


yeah understand lah I know because I think this has been a particularly difficult err period of time for all of us yeah so, yeah I mean


so I mean like for me also actually like the saddest moment of my life you know I would say is like you know honestly when the , when the the lockdown the circuit breaker was announced because, you know I was actually really shocked I mean although I knew that you know the the cases were rising I didn't know that it was so bad that you know they will announce a lockdown so


I mean you know I because instantly after that you know I I lost my job and all that so you know and I just had like to stay at home and for me you know if I'm like really if I'm very ideal I I cannot I have to be occupied, so it was really a huge strain on my mental health and you know even after the circuit breaker I I developed a


even worse err stronger social anxiety and you know like because so many yeah because I didn't like you know meet people for like so long I I was like you know I was I really like you know couldn't handle you know like talking to people and all that then , I mean already I have some pre existing anxiety like social anxiety but then now it was even worse so I mean yeah I mean I would say like you know even


even to date also I still cannot like I mean even though it's already it's already like phase two already I still cannot really uh get over the, bad experiences from the circuit breaker period so , yeah I mean I'm just trying ah because it has been really like hard for me and it really took a toll on my mental health and I think you know there was because


you know I have never really experienced anything like that in my life and I think this was really the saddest moment of my life I think I've never really like felt more useless and more, you know alone at all like you know in my life before this I was really just like going out going to work I was like you know like earning my own income and I was just happy you know yeah before because that's before my school started so


you know I was just carrying carrying on with my own life but then you know after these things started you know, yeah like it was really a lot of restrictions like couldn't eat out and as you I mean I I'm I'm the type who really like you know like go out and eat even even if it's like just


alone also I'll I just like to go out and eat eat and you know like just relax for awhile but then after that ah but then during the circuit breaker we just couldn't do anything you know even the void decks were all cordoned and, I just you know like going out was super depressing even for the essential stuff also like we don't see anybody you know like even like you know even like sometimes I forget the pass at my err


the the house err because my, to enter my block we need to pass these ah gate so we we have to scan the card then even sometimes I forget there's absolutely nobody there so I have to like stand there for for err a lot of, like for a long time before somebody actually err opens it up or because sometimes my parents also won't answer the phone when I call so


you know yeah like such things really made me realise that how hard life is like , you know like all the retail outlets closed and all that so I think this was really the saddest and the scariest period of time in my life, yeah yeah


it was like really, like a hell, hell on earth type of experience, yeah okay


okay so you know for me err generally I don't really follow err trends you know because, you know I just like to basically be myself, I mean you know I like to dress the way I like I like to , you know I I I have my own genre of music that I listen to I don't really like follow you know like others like for example you know many of my friends like they like all these you know like kpop K music and all that but for me you know I mean although I'm okay with it you know I prefer like you know more like you know like classical music and


I don't really prefer like yeah like the kpop type of music you know I don't really prefer listening to uh to all that so that's why you know I I feel you know I'm not really the type of person who will go according to trend but more of like you know what I prefer personally like I don't really


do things to just err please someone or like I don't really like I'm not self conscious like I don't really like think you know oh like you know like, err like this is the current trends like trend like people these days dress this way so I should also do it no you know I I just dress the way I want to I just do


things in a way that I prefer, how about you yes yeah yeah that's right you know (hmm)


yeah I mean I don't know I I I I also actually feel that you know like this is really like, err uh I mean it actually like, I mean like defeats the whole purpose because the purpose of masks is actually to protect us from the virus not for any it's not like a luxury item not like a status


yeah, I mean I don't even know whether anybody will buy it maybe only like the billionaires and what not because most of us you know we really just want, to wear a mask that is comfortable because I believe that you know such like these masks you know maybe they're so expensive they might be made of heavy materials which make us feel hot you know


yeah at least surgical mask is like more comfortable and you know you can still breathe so yeah, yeah okay so, yeah maybe you can describe a time where you felt like giving up, yeah


I mean for me also you know that was really a, difficult period of time because I've concentration issues as well and, you know I really actually I almost just gave up you know I was like thinking okay wherever I end up you know I just try my best and actually I couldn't complete my paper also so yeah you know that was really a time that I just gave up


like I mean I almost gave up yeah okay


positive experiences, hi yeah hi


okay so basically you know like for me you know like what really makes my day is that you know like to see like you know like heartwarming news you know because I really like use ah social media a lot like on facebook all so I really you know like like, to like see you know especially in these uh difficult times it's really heartwarming to see like you know like people like you know helping one another


and all that, so I think that is what that really uh makes me smile and you know makes makes my day, how about for you


eh yeah I I I yeah I think you know that really ah you know makes us happy, know, so so that we can understand each other's lives even during, err the time that, you know we are separated, yeah so like you know yup so


so what are the sacrifices you've made that's worth everything,


yeah you know I totally agreed yeah I mean for me you know I I I mean I think it's not just for me lah I think you know err we all like you know I I think the sacrifice that we all made was like you know back during the circuit breaker, uh many of us was really you know like uh


like we we really had to, kind of like err you know like, let go of our our life, like that we are so used to you know you have to sacrifice our lives that we were so used to and ready like just stay at home but then you know it's really worthwhile because it helped it really helped a lot to


err, like to bring down the number of community cases and you see now like you know we are in a much better state as compared to before so that's why you know I feel that is a sacrifice that's really ah worth everything, on our parts yeah


okay so err okay I mainly you know like to err watch err you know like err, err, movies that are like like you know like err bollywood movies and indian movies so you know I have I watched uh this one movie where you know I really like you know it really err


it is it's a lot on it focuses a lot about you know like family bonds so it really like you know like shows like you know how like you know one really like you know err work together as a family like to help each other and, you know like how like the sacrifices they make and all that so I think that is really err a very like err


err good and educational movie and it really promote some good values as well, how about you yeah oh okay oh okay (mmhmm)


okay yeah yeah I mean I understand you know I think it's definitely a movie that you know I will watch after this as well you know it sounds it sounds really uh interesting, okay so , okay so , what are the three things that you have in common with your best friend or partner


okay (hmm) oh okay ya


so okay so for me is you know I I actually I have uh, I also have two best friends so, I think uh what made us err best friends is that you know we are all like really introverted so it's just like you know like once err we uh went, we like you know let's sat together at a table and then you know it's like everybody was like chatting on but then we like you know had really we were like really like quiet so yeah so we just like we didn't really like you know like


fit in well with the others so hence you know we just err you know like spoke within ourselves and like you know in the end we became err best friend so, and I think you know the second thing is that you know because err we are both like you know really err in a way nerdy so we really like you know like focus a lot about uh a lot on studies and you know like and all that we don't really uh get engaged in like any other activities or you know any other thing at all so


err the last reason is that you know we are, both we are all like you know really like, you know, like we are really in a way like err very err like relaxed like we are both like you know really like you know chilled so apart from that you know like we really err you know we we are like we always like you know like uh


help one another like no matter at what time or anything so that's why I think you know we all like become really like good friends, (hmm) yeah that's right yeah okay so next, ah what is one place you would love to visit and why


uh yes


okay you know for me you know I I actually the place that I always want wanted to visit is is Bangkok the capital of, thailand so you know that I actually have already been there like twice err err actually err quite a couple of times actually since I was young


but you know it's like it's just that you know I really err, like err like really like the place, err very much and you know I'm really immersed in thai culture and I'm always ah keen to know more about thai culture as well and apart from that I have some uh relatives there as well so I definitely want to you know like go and mingle with my relatives and all that yeah so you know I actually like


err it it, I think you know that is definitely the first place that I will visit err after this err whole COVID crisis is over, yes my it's they are actually not really my close relative more actually they're quite distant actually but still you know like I have known them since err young so you know I I really enjoy like you know speaking with them and chatting with them and to know more about they err like


thai culture and all that so and what's happening in thailand so it's really like a second home for me so I definitely like to, uh visit that place uh yeah so what


are the three things that you know you are most grateful for in life, yeah


okay for me you know I am also actually uh you know like grateful that you know I'm born in singapore because like you know over here is like we really err you know we really have a good, life and you know like we don't really have to suffer from anything such as like in other countries they have like err they have like other crisises as well but over here you know we really err live a very good life you know there's not many people who is like suffering from you know like things like poverty


homelessness and and you know it's very safe here as well so I'm definitely you know I'm grateful to be a singaporean and you know it's like we also have a good education here and basically is that everything just uh like falls into place in our life you know in singapore so I think there's definitely one of the things that I'm really grateful for


then you know like secondly I'm also like you know like of course I'm grateful for my, uh that I have you know my family and friends because you know they really play a very err, good uh, a a very err significant part in my life like you know in like in bringing me up and all that so I'm definitely err


grateful for their help and all that because like I can like turn to them anytime if I need help and they also they will just err, you know they'll just help they won't like you know like complain or anything, so thirdly I think I'm, I'm definitely I'm you know like grateful


for for the opportunity to err study a course that, I like in err in my current school, you know I because I actually I have like err, long like you know I've been trying to find like you know my the areas that I'm passionate about and all that but then so that's why and actually I actually err skipped one year and I didn't


err go to poly immediately after my O levels because I just didn't know like err, my interest area but then, err you know I I, then this year you know I applied to err, my current school and then you know I I I actually my portfolio wasn't really the best you know but then they still you know like give me a chance so I'm really err


I'm I'm very grateful for that you know to be able to pursue what I'm what I'm actually uh interested in because after I joined the course I realised that you know that is really my interest area so I'm I'm definitely grateful for that, yeah so


next what do you think are the three things, that you admire about your best friend or partner, okay


so for me you know I firstly err admire the fact that you know they are really err helpful so err you know like err, when whenever I need any help of any kind they always err you know helped me out they don't complain you know even if I like message them really late at night also they still like you know like


put up with it you know because sometimes I like do homework and all that like really you know in the wee hours of the night but then even when I message them also they still like you know like reply to me instantly and they don't really complain so I think you know for that I really err admire them


you know because they are they are helpful and you know secondly you know I would say their their their, err really like high level of tolerance, because you know because for my character you know I sometimes I really tend to say the the wrong things to the wrong people so you know not many people can err


can adjust to my character but then for my friends you know they they kind of like you know, err err, they they believe that everybody's different in their own way so they they accept my differences and they are you know they are quite err


you know tolerant to me so, I think I'm definitely err grateful, err err so I am, both grateful and I also admire them for that and thirdly you know they also had a quite err talented so one of my friends is err actually err really err their strength is


more on languages and another of an another friend is mainly like their strength is towards err you know like maths and all that so they really err helped me out a lot, err you know I think without their help I couldn't really err score err I couldn't really have scored well for any of my subjects so


I think for that you know I really admire them, uh yeah okay so , what is your favourite activity to unwind and just relax


okay for me you know I also err like to just you know like err stay at home and just err relax I like to you know I I like to actually play err you know like the farming simulation game so these are actually like games that uh that we have to buy them so you have to


buy them from the store then uh after there's like no in app purchases or anything you can just uh play no ads no nothing so it's like we just like truly immerse ourselves in games you know, yeah so I mean of course you know because these games are really like you know addictive and all that so you really have to be in control of


of you know the time that we spent on it but then you know I think they are really err, you know they are really like a good source of relaxation and all, yeah and then err secondly you know they are really like,


like another thing that I like, and that I enjoy is of course you know like watching netflix and all I, like to you know like watch a lot of like movies and because netflix have all sorts of movies you know I can just pick the genre that I like you know because I I uh


I personally like prefer like you know like thriller movie type of thing so I can find you know such movies over there and I also can find like, err like, movies of different different languages and they have like good subtitles that we can read and follow as well if let's say we don't uh


you know if we don't enjoy uh uh uh I mean sorry like if we don't uh, you know understand the language, and I think you know I I also like I also, watch on other platforms such as like err like youtube as well but over there you know I watch mainly all the animated stories all the short short stories like short films and all that because over there it's not much of movies it's mainly like err short films and all that so ya that one also I really enjoy


okay so , what do you err love most about yourself okay okay


finance hello okay hi yup


like considering my age right seeing as I'm only eighteen and I'm only like joining the actual workforce soon I have not really thought about my plans for retirement but like theoretically speaking when I start having a stable job and income I think like, the most basic thing I would do is like have a separate bank account for a savings to use for my


retirement lor like that's the only thing I can think of what about you