part of uh childhood is , I think I still, miss my great grandma I always with her, I always sleep with her so it's like uh I can share my stories all that to her,


best thing that I, I have done for myself ah , can't remember of anything but I'll usually I will try my best to do uh for myself lah, cherish okay I okay


for now , okay uh families, uh for now, now especially uh because due to my mum uh her he's now in uh, she's now uh she's she used to be a cancer patient mah but Alhamdulillah when last week


I went uh I send her to the, the hospital for her appointment and I chat with her, doctor appoint uh her doctor in k uh tan tock seng, uh so called, free from cancer but we have to still go on going with her


uh appointments ah so actually every month or maybe two or three months once that we need to send her, and uh to monitor her closely, because I think that's the only time I I have, have for now I mean like you know I have to spend more time to with her uh


uh and also with my boy my son and uh, uh because I think for now he's already turning to sixteen uh, uh I think I have to really spend uh more time with him before he he goes, out to work and then after that if to have a own family so I think


uh, I really really need to, spend the time with him lah, you give me a moment because I don't know why the the appen thing keep on record when we I don't know why you know <P2>gloria</P2> it's it kept on going back to zero


okay the, best best lyrics ah I also cannot remember oh oh okay never mind the best thing that I, I always uh that I I can think of now is actually the bunny song that's why when I come over to your place ah if I play with your son you know with the kids ah I love you you love me I I think that's the really best best thing that I can think of now uh it's like a


that that that's the moment where actually we can uh, hug them and but like for me now my son already big right so I cannot sing that song so I only can sing with the the ya because you still have


, , ya


uh I I miss that part, lah , [orh] (mmhmm)


(ppc), oh uh be the most happiest lady, especially when you know the current situation now I'm just hoping that uh


I left with one more person that I, I have to settle and then after that I think uh, uh I just, want to just stabilize my my my life I want to settle all my all those outstanding and then the arrears, if can also to pay off more my house my house loan


then after that I'm free, so I think if let's say we're I if I'm a millionaire I don't mind sharing with you and then we can go out for holidays so just enjoy , just wish that


, , okay for sorry carry on


my luckiest moment ah uh, so far, far okay but sometime also like, uh like like kentang like that, but okay lah my luckiest moment is when uh, uh moment that actually I, find when I


I'm delight that I I managed to get a, my own house after my divorce with my first husband so actually I told my my mum to just look out for me and then after that, I was just like okay lah help me, after that actually when I get to have my own house I find that it's a


uh the moment that is a very very lucky where I don't have to you know uh, uh whatever, whatever it is also I still have my own house whatever so I find that's the that's the most Iuckiest part lah


okay uh for myself the most that I be until now that I I find that it's the I, I I won't forget is the moment actually I went honeymoon with my ex husband lah, uh although it's quite sad but I went to phuket so it's like I I do a lot of things there


uh only that the the weather is not really that good but at least I have travelled, travelled above, malaysia I think that's the furthest I I went to, so ya the moment there is like uh I mean


I I I can travel to all those islands lah


(mmhmm)


uh, I went to uh one concert with my son let me uh, but I forgot the the name of the band uh junior eh something junior


uh it's a indonesian band my son wants to really go for their concert it's a it's like, a teenager, band lah I totally forgot what's the name of the band for now uh, uh but he really love it and then he said to me that mummy I want to go for this uh thing uh this concert then uh okay


uh I make it as a like his birthday gift and uh, I'm then he was like you know smiling happy I find that that's the most happiest, time for him lah so I don't mind spending on him that time although my uh I I'm quite tight my financial


but I'm good I'm good best surprise you want to start first, first


I cannot think of one best surprise for now ah seriously I'm I'm totally bank blank but uh, what ah I, cannot think of it for now actually I remember but suddenly I, the the past few days I because I got this problem of I don't know


uh <P2>gloria</P2> I don't why my this recording is keep on prompting and making me like quite blur, oh ya I don't know what's wrong ah for part two only then I it's like now I keep on looking at it ah so it's like distracting everything all I forgot already


uh I, cannot think of a what what's my best surprise for now I'm so uh, uh what ah then how ah if I say, biggest blessing in disguise, ah


for now because I I'm do uh, whatever that I'm uh, uh okay I've decided whatever that I'm doing now okay uh, uh but I okay I had a I, I have some uh misunderstanding with uh my sister because of uh this our current business lah so


but uh, uh with that but with that uh incident it really makes me uh, uh into my line now, and alhamdulillah is that I I'm, I'm I'm getting uh, I'm I'm quite stable uh I I'm trying to stabilize it uh


uh to settle it out everything by by latest by next year


true because I remember the that time I remember that time, where you will always like angry for no reason and then after that I was like, why <P2>anna</P2> ended up there you tell me right so I was quite, surprised ah but okay ya, true enough I I I can see that for uh from you lah that uh your mum really really really really help you on that situation


so for my biggest blessing is the the one I I had an issue with my sister, and then with your, motivation with my another close friends <P2>azah</P2> and <P2>renee</P2> uh they will just saying that I still just


uh you see without this past experience that you have, uh you wouldn't be now what you are, you are getting now lah so there'll be a very very big I mean for me it's a blessing in disguise lah, then now I'm really trying to settle all whatever that I'm I'm I'm I'm trying to settle out everything so alhamdulillah alhamdulillah uh


from four I I left with one more I left with about another twelve k and I'm settle so I'm trying to, to settle it within this uh before I mean within this one whole year but I try do it like in six to nine months time so with that I think would be I'm on I'm


I'm fine with it already lah


my happiest moment actually not really that I I mean my is everything is like


I find is uh a normal one uh, ya maybe the happiest moment also is to to know I, first was like I when I I I I gave birth to my son lah, my one and only so that's my my biggest I mean I find it that's the the happiest for me although in the first place it's like you know


when I get to know that I'm I conceived then I was like can I do it can I can I be a mother can I feed them how how do I shower him you know but that's the biggest moment although my contractions like every two minutes and the labour pain is like twenty four hours


but I went through alhamdulillah


I know what you going to say I,


, actually I'm sharing out I want to share that also to but since already open up so I but I


when you told me this I was like laughing until now you know that's why I actually I want to share about this matter, {ah], uh I just I I I I just couldn't understand why like on hell that you you can bring a calculator because, calculator is bigger than your


it's the bulky one right, , ya no more


uh part one finance okay okay uh


uh uh okay I have a saving account uh, and in fact uh two saving and, uh current so as I mentioned saving is for my own uh save whichever little bit of uh money coming from my salary I just put it aside for current is uh for my daily expenditures uh for bills uh


all these lah so it's quite active lah in my current so I choose current uh to be active because I can also issue cheque on it so is more uh feasible lah for that


okay credit card I do have uh one credit card and one debit card


so the credit is uh I used to have it uh not used lah I still have it uh it's for emergency, purposes uh but of course, I try not to use it often because of the interest and maybe you know of course the the temptation lah to use it for wrong wrong spending okay debit card is uh is actually the function is same like ATM card lah


uh so but because of uh paynow uh function it's uh it's advisable to use debit card, and it's also can like uh you know for those who don't have a credit card debit card is also can act something like credit but it's like direct come out from your


account you don't owe the bank any money and you don't have to pay the whatever uh money at the end of the month so it's like there's no uh I mean it's like ATM lah you it's direct debit from your card uh from your account,


okay


okay ya joint account I do feel personally is important to have, so that is uh you know uh both of uh I mean if both couples are working they should actually put a a fair of sum of money from each individual salary to put input to the joint account for me it's like for emergency uh purposes of it can be for saving or you you for enjoyment


so is have a good foundation lah if you have joint account, and I also think that as an individual you also need to have your own saving account that one is for your own uh safety precaution for safe I mean, for emergency purpose also lah for yourself uh in terms like actually joint account lapse in somewhere I mean not enough money you can actually use your own saving to top up whichever is not not not enough lah


but try not to, really use the saving for any like, ah unless is emergency ya, uh fixed deposit uh


the interest is definitely higher than the saving account but, problem with fixed deposit is uh definitely you need a certain fair of amount, to place as fixed deposit and you you need to keep a certain uh tenure uh, uh I mean in the fixed deposit so if you intend to have like you know uh use it you have to break it and then you will not


you will, actual fact lost some of the interest or maybe do it you do it earn interest or maybe there's a penalty on it also, so ya for those who really have a, sound income and you know or a sound amount of fair money like you don't know where to throw you it's best to have actually fixed deposit lah I I mean I do wish to have one day to have this fixed deposit whereby I don't have a certain amount that I don't need to even touch it and then is like


it's quite a good thing to have a, to keep a certain amount of money in fixed deposit lah because the interest is really quite good, for this


, uh


uh means you cannot even touch the money because if you, uh touch right you you, you will get a penalty or you you lost all the interest lah, that you need you that you keep for that certain amount of tenure, for my son I already given him the, the ATM and he's already fifteen uh actually I give him last year so this is to actually it's my my account but


they we he can access uh have a extra ATM card uh purposely for him to use, use so he can also manage uh help me manage uh, daily life lor uh expenses so he I can monitor the whichever withdrawals uh so through internet banking so he has to be truthful about what he spend what he withdraw and uh so far he's quite religionly update me what he draw on the money on the accounts lah


so, I mean it's good to know that, you have if you have certain amount in in this uh account right it's like you cannot like


uh any uh I mean, at your own free will you can just draw the money and spend it so they need to realize the importance of, uh how fast the money can be gone in even in one day so ya I do think it's actually good to start them early especially if they're tertiary level or secondary right so that you know they will know how to manage their finance


accordingly lah, okay I do not have any investment products, uh sorry I do not have uh, I do I have never purchased any insurance products from banks although I work from bank uh I only get my home uh


insurance from a private company and then uh, my health and hospitalizations and investments all from uh uh prudential, so ya I do not have any experience lah in purchasing insurance products from banks


oh [orh], point six which type of credit card I mentioned before I think personally for me is the SMRT citibank credit card because uh


as you, I mean as you use the card, right okay this SMRT uh credit card is actually more on transportation which is you do use it every now and then, so when you never whenever you spend you will earn certain rebates and then you can use this to actually pay off your uh little bit of your bill and then uh maybe on your next spending so ya maybe s


SMRT credit card is good to use lah at the moment


okay definitely uh the interest the bank interest is not really that attractive as compared to uh


uh private investment company but definitely bank, it's a safest place to uh place our, money lah because , you know is governed by MAS so not govern it's monitor check by MAS so definitely it's quite safe uh


uh, I'm sure they have their safety uh precautions on or terms of you know to make sure that all the people who bank in their money and they have some rules and regulations so that we can actually invest or save your, keep your money in a safest way ever


lah uh, uh so ya I still prefer to put, put my money in a bank compared, to other financial sector


okay


so experience of getting a loan from a bank is definitely, you need to meet a uh meet certain criteria which is a bit uh quite, uh number of criteria that you have to meet lah it's because they're more uh they are taking more precaution measures


whereas uh but I, still think that it's really good to take uh, a loan from coming from a very stable institution lah which is a bank uh so it's quite safe uh ya I do get my car loan from there uh UOB


uh so far I've not tried on home because I'm is still from HDB but I do think in future I will take a home loan from a bank


uh, oh because if let's say if it's okay the reason why I think they need to take from a bank loan is because they don't want to go for HDB


so okay in in terms of bank loan ah I do think that they can actually ask for refinancing so ya bank rate is fluctuate but there are do there are other banks who offer fixed rate also depends on what rate, you actually looking for when you apply for the housing loan


so you can ask your friends to actually go approach their banker to say that eh I want to refinance so it's like you know they can get a better I mean I personally think that uh because, HDB beside HDB the alternative is to actually take a loan from a uh from a bank so that you know because I think now HDB you need to come out a certain amount of uh


percentage of your money before you can take a HDB loan so bank don't have to but of course the rate is slightly and some even better than HDB but you need to check and maybe, shop around for all the banks


okay, okay


ya I do have personal insurance uh, health and hospitalization and some investment


uh, all comes from prudential, uh but mostly uh, they deducted from my CPF lah


okay I do not have endowment plan uh, at the current moment, uh maybe, later parts ah I might consider taking it uh, uh but I don't really quite interested in endowment, yet uh I'm more interested in retirement plan actually


I'm not sure whether the feature of endowment and, retirement plan is the same but I'm more and prone into more on retirement plan lah actually, okay


uh I mean okay how much percentage of income uh will just, I think uh, ten percent lah of your income is doable lah to actually take up an insurance uh I don't mind spending ten percent more of uh I mean coming from my salary to actually take up another insurance which if if it's good benefit for me for my family I don't see a problem for that lah


I mean you I hope, I do not have to use it like you know for a lot of emergency but it is actually for a standby purposes I don't mind, I mean I got experience that you know we really can use lah and it really helps us in times in need


oh ya I forgot I also have car insurance , , ya I forgot that sorry ya I I also have car insurance I forgot what kind of insurance I have yes I have a


whereby I also insured uh ya, uh for the car uh what else uh oh for car, travelling no I do not have a travel insurance at the moment I only buy it when I go for travel then I buy I only buy it and purchase it when I'm traveling that's all ya ya other than that I do not have it on monthly basis or quarterly basis or daily basis okay


uh and we just uh for safety reasons for in case of lost luggage lah you know you met with an accident there I I do take up lah whenever whenever I travel okay okay yes I do !huh! finish


(ppl), (ppl) this, stop [eh]


one two three okay you want to start first


oh negative experience, uh okay, I seriously


uh, I don't know when but uh, so far I, I have not experience uh that nobody cares about me lah , I think I'm quite covered on that, so of course I do not feel I I


I'm I'm lucky enough to have uh a lot of, people surrounding me so in that part I don't feel that uh, I have nobody that cares about that don't even care about me I mean there are at least a few individuals lah uh which is yourself and a few others that really care about me lah uh so I do not have that kind of experience uh


my heart, my most heartbreaking moments is of course my recent divorce which I could not uh you know believe that after sixteen years of marriage uh he just go off just like that, you know uh so ya uh I could not believe that in this uh moment of my life uh


after forty three of years of age I have to go through this hard, painful moment lah


(ppc),


okay I think , at one point of time uh I do hurt uh my mum's feeling uh, where about I say nasty things lah whereas she have helped me a lot lah in that sense so ya I do have regrets because after all I mean


after I say such a hurtful things or maybe hurt her feeling in some way, uh she still come back to me and say that !hey! if you still need my help you know, uh in terms of financial even though I know that she's not working she still do offer some help ah she say I do keep some money for you you know in terms that you want to you said you come back come to me and ask me for money I will give you you know after all those moment that you know previously I thought that she doesn't care


but she actually care in silence lah


okay, oh no what are some of the hurt


hurtful words, this one I cannot remember, uh you say first lah,


okay , I not sure lah but uh, uh okay when someone uh, say something hurtful words right, I'm the type that, at that moment but it doesn't really get through me, you see


okay it's like someone that she says like, uh I don't know ah, maybe all the hurtful words that someone said to me is like, it's like a a pinch of salt is actually a reflection of themselves you see, so I don't really take it seriously for me


so, I easily forget whatever hurtful thing they said to me I really can that's why cannot recall any hurtful words that I can just choose to ignore and just block them, so of course when I uh when of course lah when I felt the most the the time that I felt betrayed is the moment that I know you know


my ex husband actually betray me with someone that I actually hired, living in the same house definitely, that's a worst moment of my life and the saddest moment of my life also so it makes up both, ya it's uh it's like I


I means it's like the hand that feeds that person is is like you know they actually bite you back on the same hand that feed her so it's like oh, is the the most betrayal the most saddest, and the man that I trust for uh sixteen years of


my life, just gone, like that


okay I don't like tik tok, the tik tok now , because it's like oh my god I uh, it keeps getting the children do nonsensical thing you know you have to follow the trend especially I see my niece each time I open uh facebook I see her tik toking in the toilet anywhere any place


so it's kind like obsess thing right now so ya I don't really like tik, tok ya


ya I mean of course the time that I felt like giving up is like uh, when I have uh, uh marriage problem then I also have health issues I keep going out and in uh from hospital go for medical checkup


all these uh involve me in uh, physically mentally I'm so tired so stressed on top of that I've to back be I mean upfront right ya, uh with everybody to keep happy for my kids ya, there are times that I really feel like leaving everything down and just left


for good like that ya there's a there's a time lah when I really don't want to you know I just feel like giving up everything


(mmhmm) ya


uh okay, okay I, so far I've not witness anything and worse lah I mean, not not not for me lah, okay uh issues and problems that keep me awake at night of course my


two elder boys they're in teenagers aleady so as a single mum now, I it's, I need to keep tab on them and of course financial, I don't know whether I can keep up, uh but so far so good but I don't know how I mean


it's it <P2>radisha</P2> is my health lah I mean if I'm healthy of course I work of course no financial issue if I'm not healthy , cannot work of course there will be financial issue you know that kind that kind of thing worries me lah because I've no I mean I cannot depend on my mum


ways because she also not healthy uh not in the best of health lah should I should say so of course it's all me me and me so and there four kids and one maid to think of to feed them actually so ya, uh this this issue lah keeps uh I mean I mean quite frequent lah keep me awake I just pray that you know I've a good health I I'm in a pink of health so I can continue work and provide


one thing I never joke about is of course feelings lah when people tell us their feelings uh it's not a matter of uh it's not a joke, so you must actually respect it and whatever their issues their feelings about something we just have to respect and you


know, to me it's like I don't really comment much on their feelings lah


undo in my past, there's nothing that I wish to undo uh in my past, if because if like say uh


I would not get, what I have right now if I undo my past so I'm quite happy lah the past is actually makes you stronger which actually make you have what you have right, right now, I wouldn't pass it up or anything


treated unfairly, uh, no lah I already mentioned that, there's nothing that I wish to undo lah, I mean the past is is is the one that make me what I am today, and it's the past also is made what I


have today so yes there's nothing that I want, want to undo in the past I'm, quite fairly happy lah with my life although there's a lot of sadness too but, ya it's I think it's a fair deal lah it's, what you reap what you sow right so ya I'm quite okay what you sow what you reap I think


okay one two three okay, alright okay part two positive experience hobby okay my hobby uh and


that I felt the happiest uh doing as a child last time was uh, uh I'm a bookworm I, I love to read uh all sorts of uh genre uh mostly those uh nancy drew uh not so romantically uh book but


all these uh keep me happiest lah because it's uh my time alone it's like because I have uh four siblings uh, uh include me is four right so ya this is my me time so I will just lie on my bed and just love to read and uh other than that I would love to collect stickers so my late


dad will actually uh, buy for me uh very cute cute stickers and I felt very happy when I had got the when he gave me right and I will paste in a my sticker books and whenever I look at it it give me a like you know a smile said !wah! so many stickers so many cute cute things it's all go by actually


how do I say this if I go uh if I have a melody one page of melody if I got a uh, uh you know another page of different types of uh sequence but in a family mode lah , uh, uh best parts of my childhood


it's definitely growing up lah I mean uh, with both of my uh parents my siblings we have uh so it's quite uh noisy uh but fun lah we will play camping in a room during school holidays we even have you know whenever uh hari raya right


we the four of us will plan uh something for our parents like you know eh come we hari raya we uh actually uh we, coordinate a dance so we can actually dance in front of our parents during #hari raya# okay uh


uh, okay what is the best thing that you have done for myself is like uh, uh whichever


difficult experience, that I faced I always believe in myself whichever, uh how would I say this , like never fail to believe in myself lah so it's like when I do somethings and when I make something or make a decision out of something it's like I'm


I am very confident that I can do it I'm made to do this and uh whatever people can say it's like I don't care it's just like I I have I mean how do I say this, uh it's good lah that I can actually uh


it's like to stay out of negativities in other people's life or in my life uh so of course the people that I cherish most is my family my kids they are the reason why I am living you know the reason why I become strong right now uh


uh they are the people that I look forward every day what is the best song lyrics that I ever heard !alamak! I long time never heard any songs ah, , , seriously


, okay, oh I see


and the person you cherish


oh


okay, what is the best song lyric you have ever heard


, ah I still sing ya lah I still


sing with it with my daughter ya ya it's like a it's a family song lah it's a family song so it its has a good lyrics also because I love you you love me we're happy family right so ya it's a good song actually ah okay how what will your life be like


okay if I'm a millionaire of course all my problems will be settled uh by, of course it's a millionaire I can live a place uh have a home which I really like decorate to my best moment uh of course lah it will be good lah how about yourself


okay of course I, I I felt the luckiest is when I know I, I am having a daughter, uh after all three sons and finally a daughter which is a a mini me and a fiercely one so ya, ah of course lah at the moment I really do feel !wah! so lucky ah after all three then finally a girl in my stomach ya when the doctor announced ah you got a girl !wah! that's I really felt I'm the luckiest women of that day to have a daughter finally


describe okay sorry sorry your luckiest moment


okay okay my, travel experience that leave me in awe is when I went like two three years back when I went to [ho] chi minh


I never expect to be honest the country to be like so clean uh it's really something that which I'm not expected but I like the people down there they're very uh friendly uh


I mean the place is overall very nice I mean I mean I I'm, quite shameful lah when I go there I I thought the worst but when I when I'm actually landed there I was like oh my god this is not what I'm expected so it's not bad lah


I cannot wait uh to attend this uh indonesian concert, uh sang by charlie uh that time is s t doblas if I'm not wrong !wah! I really a fan of him I like all his songs I like his, voice !wah!, it's very special lah I mean it's I'm very excited to it I mean


of all the concerts that I've have uh I'm look really looking forward to his actually concert lah which is is a good performance also, not bad I like, really like it, how about yourself


best surprise ah ya knowing that I'm going to have a daughter is my best surprise ever in all my life, I the I because during after three sons I do not expect uh do not have I have expectations I'm quite a bit like uh whatever lah the fourth one you know but uh when the doctor say eh you going to get a girl it's like oh my god it's best surprise best moment best of everything lah in my life


never mind lah then what is your biggest blessing in disguise


(ppc)


I don't know what is my biggest blessing, but , okay when some my mum lah is someone that, I, a big help from her when I happens like seven eight years back, when my ex husband was uh charged by something right and then by right he was supposed to be I mean go to jail lah if he cannot settle the fine that he is that being imposed and then he's like sadly calmly beside me and say never mind I have the money


you know it's eighteen k I can give you now so your husband won't go to the jail won't go jail for it, you know that kind of thing, !wah! that moment I mean, speechless I I really don't know I I don't even ask her that time but she was there to


to help me when I really need it that time ah and then it's like she really helped him out uh you know for going to jail so that she can actually he can actually sat for the exam, and then uh to have to continue for his degree so you know and he's calmly said ya never mind I have the money I will pay for for him and then you know you don't have to go to jail


and then ah it's like !wah! you know, during that time difficult time imagine someone say like that I can give you eighteen k and to get someone out from the rut it's something like I really appreciate to the day of my life to the end of my life until now,


of course lah the birth of my kids is a best gift ever uh all four of them uh each time whenever they out only it's like you know when you see them literally of course


I mean that's the moment lah happiest that you can actually hold them and see them grow, up to today


funny joke I think you know before it's like you know when I was at work and then suddenly out cause I had a bad day at office so it's when it's my lunch time already I instead of bringing my handphone I actually bring out my calculator out and thought it's a handphone


and then everybody everybody was like looking at this said why you bringing your calculator out


ya it's big it's big it's big and then, ya I actually realized it when actually I want to message I say eh why is this calculator where's my phone then I've to actually go back to my office and take it okay it's no more already right


okay


okay uh hi Gupika do you have a saving account


I actually don't I mean I know that there are a lot of advantages for a savings account but I never saw a need to it especially since there are also disadvantages like first of all there is minimum balance requirements most saving accounts have minimum balance requirements or monthly maintenance fees


and if your savings account falls below the minimum balance requirement the bank will deduct fees from your account, negating the from interest you earned and, at this stage we are still students so I don't think we'll be earning that much especially since we have to go for university next year and everything , so that would be a a pretty big disadvantage and there are also low interest rates it's way lower compared to other types of accounts or investments such as like money market accounts or certificates of deposits


and, access and availability it's, I mean this is pretty much an advantage but if you find easy access to these funds it's too much of a temptation and a person like me who has no self control that's not, pretty good yeah that's it


ya, yeah that is true, actually no I really think it's pretty important to have a credit card because now every single transaction that we are expected to make at this age is using these type of cards but unfortunately I still do not have one and I'm trying to get one how about you


I see


ah,


couples should combine their finances and open a joint account


right


I guess some people might argue that independence is like important like you know I wanna have my own bank account and everything but, in this err, err, I mean in this issue I think it's completely fine because we have our own debit cards and everything so it should be fine


and also, the, ya sorry continue, no no you continue


it's a very awkward conversation


oh ya okay I mean I do not, know of any joint bank accounts but I do know that it's actually pretty advantageous because there's a smaller chance of encountering financial surprises when all money goes into and comes out of one account that both of you can see


there does not have be any secrets which is what married couples usually tackle with and they might, they may find it easier to keep track of their finances if there's a like what you said before and it also makes it harder to miss account activity such as withdrawals and payments and they don't have to keep updating each other and also easier to balance checkbook at the end of the month


right, I mean, another major drawback is that it can cost issues in a marriage I mean like what we have been talking about for the past few minutes but , when spouses aren't, communicating about their account activity I mean not everyone can be very open you know


and if they if they keep any financial secrets it doesn't have to be anything shady, it can be also like you know getting a gift for your spouse and you wanna be and you wanna be secretive about it and everything, and that can cause problems so that's a huge disadvantage thirty five percent of couples actually say that a secret bank account is the equivalent of cheating on a partner not that


I think that that's how supposed it's supposed to be like because like how I said, it doesn't have to be that way it can be just a surprise for the spouse or anything, yeah


ya I do


actually did, kind of reminds me that, spending and saving, it's also pretty important especially in a married life and everything because, as they might get a lot of like problems between them lah but going on in that direction now that we are in a global pandemic in a post COVID world what changes would you make in terms of your spending or saving habits


and spending right now has okay but in err as a counterpoint spending right now has, err, very sorry not as a counterpoint but spending right now has decreased mainly because of lower incomes and the fact that people are stepping outside lesser and they avoid a lot of unnecessary shopping and this might continue into the future too but as a counterpoint uh


we are okay we're tempted more to do that because we have nothing else to do because now everyone is at home and they just wanna like online shop or get their favourite food because they're craving it when going outside into the real world and like working or studying actually like forces our minds off this temptation


ah


ya, (hmm) a retiree, I mean about retiring comfortably is it


financial independence is the status of having enough income to pay for one's reasonable living expenses for the rest of your life without having to rely on employment, and it is very important to each and every person because it allows them to have control over their own life without having to depend on someone else for their needs like how we have to depend on our elders for


our needs and first of all it also gives you freedom of choice and security freedom of choice to change your career or even retire early and security because once you're financially independent you're safe from several events that would cause a significant income loss


and retiring early about that it's a very personal decision and it has many factors because it depends on the person themselves of what they expect from that life suggests the nature of work and individual preferences and at this point


even we do not know how our retirement plans would pan out so how can we say as to each individual, uh, what are your thoughts


right, ya, ya


, ya


as much as we enjoy we have to plan our expenses like what you said it's have, ya I mean having a passive income would help like my err relatives they do not work anymore because they're quite old but then they have a they own they own a bunch of property that they have rented it out so that passive income helps


them stay you know pretty much they've a financially responsible life actually talking about twenty years down yeah sorry continue, yeah yeah go ahead


I see this a very subjective, question it really depends because


if it were up to my own family I wouldn't say that my siblings are matured enough to have a ATM card yet like I would think that they would spend it at at what they like the most like mcdonalds or something but, I only got like as I said I I don't have a credit card but I my mum allows me to use her own


one once I was seventeen because I had to go out to different places every single day because of of my projects and everything so I for me I feel like seventeen is an appropriate age even though it's not a triumph per se but


uh I also think that it really depends on the individual because some kids are responsible and some are not


, right


, okay that, is a good, ya that is a good point but I think where, ya right I think that's actually a very good point like when we give them pocket money and if they lose it and everything but I really think it depends on the parent themself because if


some parents they would want to trust their children like you know I don't want to be very nitty gritty I don't wanna look at or whatever like what are they spending on and everything and then again it really depends on the age of the child, but, as far as I'm concerned rather than giving I would


still make sure that they do have a bank account like for example for myself I think I do have a child savings account but I can't use it yet like my mum and my dad they used to just put a certain amount of money every month so that it can like be used for my college education I think that is pretty it's still pretty vital but


I'm still not sure what a child, being given a ATM card, and


ya yeah she ya ya I think the student loan is pretty important at this point because we don't wanna blow all our money in uni because it as everyone knows it can be very expensive ya that's okay <B>


negative experience, what always brings tears of sorrow to your eyes


for me that's when your friends became become strangers because we're at that stage of our lives where we continuously have to evolve meet new people and began to move on with our lives, and we also have to socialize with new people in our universities because that's just how life is going to be and it actually makes me really sad because I definitely have made a lot of friendships in my


uh JC junior college and I want to hold on to them but it's really hard with everything new in your life if, we have to see what's, the best for us but it kind of sucks that I can't talk to them as much as before


for real ya


it's very hard ya because when you're more with, ya you're like as a whole, makeup my mom would expect me to you know talk to her and my family because like this the first time I met my house for more than a day because when we had our school like when we have school before we just use this day at school because projects and everything


and now that I'm, finally home my brother my dad and my mom they expect me to talk to them like strike a conversation with them ask them about their day but too sad through this we will also, we still have a lot going on in our lives COVID or not so it makes it really hard to converse with them and that does not helped us to strengthen


strengthen our relationships with them also, which kind of sucks overall and especially at this time I'm kind of expected to help my brother first exams also because I'm the elder one here but when we have our own thing it's so hard to do and it get you frustrated and you tend to shout at your family members and take causes of other between them and


it's very unpleasant like at times I just want to give up and just not talk to anyone, but ya it's very sad,


so many deaths like death you already do that that really puts me in such a bad mood but there are so many of


my idols like Irrfan-Khan he was in he was in life of pi and everything he died and my other favorite actors died like Rishi-Kapoor died and, another north indian actor died and Chadwick-Boseman oh my god I'm I was such a huge fan


of him and he died and that was really hard I mean I know that you are not personally related to him or anything but the fact that he took that really amazing, uh marvel movies with a colon cancer, it really helps you put things into perspective


, ya


that one is the worst me it made every single one of us think about mental health especially people could be laughing straight to your face but you might not know what they're going through at their own house and that really triggers we like we are in such of we in such a


, an elitist mindset I mean we would like to think that we don't have that but when we went for our camp last year where where we had so many people from different walks of life joining us, that really help me put things into perspective this


man he was only two years older than us I think but he had to pay for his own apartment his own food all because he didn't have parents anymore and he had to fend for himself and, that just I just broke down crying that day because I couldn't take it we we don't have to think about these things we sit down and there's food for us and everything and


it really just hurts that there are people going through this in the world but all we see them with this uh


then what hurt me more than that that black black lives matter ya it the fact that someone had to


go through that how the whole world came together for that it was it was sad but another, thing which really couldn't make me think straight for days was the, uh similar case in india the one where they are tortured a son and there his father


I mean my friends just couldn't stop thinking about it really affected our mental health and everything because the way they described it and everything and people even shot videos I just think these kind of matter shouldn't be happening in a world anymore, and


we already have we already have so many problems from the world like COVID and all of our other, , you know problems


climate change ya, and it's hard enough without, having humans turn their backs on each other and then, oh another world is the explosion in lebanon


right


ya and yesterday I think I was on, ya and, and as in like just to continue on that topic I was on instagram yesterday and they actually posted last recordings hurt from the lebanon uh explosion and there they actually posted recordings that


women and men did in the main building like they knew that the explosion was going to happen so they were giving their final goodbyes and, someone knowing that they are going to die is literally the saddest thing that I've heard them crying and saying sorry to their family and can you imagine they are saying sorry that they are dying that just really it really sucks


ya uh how about do you have, nightmares, so do you have nightmares


like do you get nightmares usually,


I recently don't like my my dreams are very


specific I mean they do not make sense at all but they all have a message that I've been thinking about usually, but this is very abnormal because when I was very young I used to have a, recurring nightmare like it just used to be everyday and I couldn't I couldn't express my thoughts about it to my family also because I was very young and I didn't know what to say and it basically it is very similar to like it in many ways kind of thing it just used to be me and my friends of that age like


when I was standing in india for awhile we just used to hide behind, bikes and bicycles uh in front of a abandoned building and the building looked very haunted and this silhouette wearing a blue raincoat with a lot of images used to come near us with like a machete and he just used to like advance towards and when he got very near my dream would be over


and this was used to happen every single day and ya I'm just going to be really scared I used to just cry when I woke up it was, ya it was very creepy


, ya


you also scared that you have like fever and everything it really really affected you physically as well as mentally


I mean a lot of, things definitely make me sad but I tried to compartmentalize because I just feel like if there's a point where you end up feeling drained every single day you would go into depression and I try to compartmentalize but


I think the best just to to just to talk someone talk to someone about it, we have to unload ya


okay some times I think it's basically, how I am brought up cause enes you know like our parents they don't have the usual parenting style and what gets me more angry is that


I go along with it I usually talked back to them and so many things could have been just avoided by me not talking back or me being understanding for once but I am just sad that, I do not think before


getting my words out I always like do is do the action and then think about what I did yeah that gets me really angry how about you


in a civil manner ya


I mean, you can't stop yourself you are like yesterday I think I fought with my brother and it we I was just so mad that I was crying and I didn't know why I was crying and I it was just it's a lot of emotions to deal


especially when you when it comes to the options of occupations like what they expect from you versus what you want to do it's a very


positive experience


okay hi Gupika , okay can we are big movie buffs we see so many TV shows and you said that your hobby was netflix and


yeah that's pretty much what you do everyday so tell me about a TV show that you have seen


oh love that


it it's really dumb humor, yeah you don't have, to think about the humor it's very it's very fun basically


I'm kind of scared of goth but, crime and thriller ya they definitely excite me but I am a huge sucker for you know uh dumb humour like I said like friends and brooklyn and everything but I also like, I also like shows which you think is dumb humour but they actually make you think like even for brooklyn nine nine right it's it actually has a lot of like issues for you to look into it like they talk about so many issues


like yeah, ya


it's one of the best shows because, ya because it's a smart comedy and it can also handle really serious issues like harassment shootings child abandonment in very serious ways that other shows can't


and my other, favourite TV show is the good place that one has truly good vibes and thing and each character is so lovable in their own way and their tightly knit family they form with the help of ethics is it's very enduring and the show might as will be made of sugar spice and everything good at the world


and it's so positive it has found such a special place in our hearts and you its main point is that you earns you owe certain things to the people that your share earth with and that's the point of the show, and the ability to create entertainment out of philosophy it's one of the biggest strengths that the show has


exactly


ya ya, honestly you bro I I I can only remember you and our parents ya I remember that time we went


to uh, I think it was a art competition that our parents put brought us to where esan adam was the guest of honour and everything and I it was, a competition for children but I remember our parents drawing for us because we were literally like art illiterate we couldn't draw anything it would even to save our lives and our parents were just there drawing first


finish with was not allowed but whatever, yeah and those are the pictures we still recreate to until this day


ya ya


oh my god


who we whatever time we came we just honestly basically


oh my god is it the uh ya ya it's the plastic bubble right which doesn't really like break and like we just oh my god that was the best memory of my child


like my brothers still wants to play with it and he's fourteen years old but ya I love that that used to be so fun


and it's like a one time thing also so, oh my god the the old pencil he is the you've had the the plastic one right we used to I I


had so many of it because all of our teachers used to give it to us for children's day, oh but do you remember my favourite teacher madam annie Huang she use to like like me so much that for my for our primary five children's day she give me a smeagol's pencil case and at that time it was kind of like


you know the trend it was like the hot thing going on ya ya all everyone was so jealous of me but it was like, very worth it I just used to I just used to show them, smeagol was elite and it's still elite not that we use it anymore but it is


oh ya ya ya ya


I think we just used to be obsessed with every single even if it was kind of useless all like stationery they use to sell in school we used to just buy everything with our pocket money,


oh my god I saw I saw a primary one keep using an iphone and when I was primary one I didn't have an didn't have a phone and when I was in primary six I had a nokia phone with like all the buttons taken off but it still used to give me so much happiness because of all the ringtones


ya actually you talk about friends how was your how was your experience with the friends' cafe I'm so like I really want to go there so badly, ya


!wow! I really want to try that


okay we have to go there for my next birthday


that's a lot, oh my god your hair was so long it it really used to it really used to like arch as a cave who really really just want to cut it all off


and I remember like our like they used to our class they used to make jokes about using a piece of your hair as the, you know we used to, I have to bring the thread for math exam to I think calculate the distance of the map or something yeah everyone was just joking that we should just use a piece of kopica's hair because hair it was really hilarious


and help with two b


oh my god you were you were such a fake which you didn't you said you were a vegetarian and every single time my mom used to bring chicken nugget, and fishbones you just eat and be like auntie this is so yummy and then like just eat it every single time and you're not even supposed to


oh my god, ah you did you did you did know


swim but swimming makes me happy, actually that reminds me what is the best meal that you have ever had like okay don't say any non which items even though I know you like them but


ah it can just save your day


[orh] yes for sure


call me basic because I love fried stuff I love the things that you said were basic I love burgers I love fries I could I could literally eat mcdonald's everyday


care I mean it would make me fat but I still don't care because that's just how much I love it I mean I not I mean not to like confuse but I do love indian food especially south indian and north indian but okay that's not really especially I love both


but I really think fast food has a special place in my heart like I just can't go without fast food, I think there used to be a point where I blew all of my pocket buying on mcdonald's every single day that to the point that my parents had an intervention for me they were like okay you need to stop and but if it goes to my favorite cuisine I will choose korean cause you have korean barbecue food while amazing and not that you would have tried it because it is not vegetarian


lame


right


that's amazing man like I I used to like get okay that day was very over ambitious so I kept telling myself you know what you're indian it's part of your heritage you need to get like super spicy food so I just got the maximum level of spiciness


it just, ya it was it was so spicy okay but like


a better version of noodles that I love is just plain old maggie bro like I just I oh my god you you you you can literally just you can do the worst you can't do the worst thing to me and say sorry with maggie but honestly you can I would, we've pretty I would be pretty happy if you just give me maggie ah as a way of an apology


did you see all those like instagram videos they use like the uncooked maggie to fixe furniture did you see those videos


it's so insane I mean it's, monday purpose brave it it actually helps me convince my parents that I may need maggie for the house to keep our house functional and to keep my body functional


and my dad my dad issued a rule that we have to do it once a month but it's fine I will just eat noodles more than that okay let's move on what are the three things you admire about me your best friend


the whole world, yeah I'm I'm a narcissist bro


very low maintenance ya I love that, we could literally just not talk for like a month and you would still know the rules about each of them I love that


ya that is unfortunately true ya


to call me out no need to call me out, okay you're you actually pretty like you're pretty bad also but then I would definitely say you way better than me so I let the in between the two of us you're definitely the more responsible one


but over we both ya have the same problems, rose


!aww! this going to make me cry eh bro


lazy


honestly I would I would say that, I would say that it's this is same for we're honestly the same people like not going to lie you would definitely do the same like if you try like I'm pretty much I usually like think like not trust people that fussy but if you trust anyone I would be sure to trust them because you have such a good radar of you know knowing when to trust people and


ya and also you drawn me whenever like being out of you know control and everything I think that's the best thing about it we we put a pretty amazing uh not to be a narcissist again but yeah, I'd say


yup (ppl) done


uh actually I do I do have a savings account which was like, actually started by my parents so I ah, uh I get money deposited to it uh the money that I get from internships or any, price money that I get from competitions uh ya it's all in the savings account how about


okay uh, ya I think there's also the idea of compounded interest it's cause most traditional banks or credit unions compound your savings account interest monthly or even annually this means the full potential of your money is isn't always realised especially when compared to other investment opportunity so I think that's


but there's also the good thing about uh how your savings account forces you to separate a portion of your funds from your everyday spending money and I think that alone can eliminate, the temptation to spend cash


uh and on second thought you might actually, to see so creating these barriers to curb your impulse spending can help you stick to your monthly budgets and actually avoid that so I think there are both the disadvantages and advantages but, personally I still think that it's safer to keep a savings account lah ya


so how about a credit card or debit card do you have any or


ya I actually have a debit card I actually didn't know the difference between credit and debit cards until very recently, but ya I just learnt that the credit card gives you uh access to line of debt issued by a bank but debit cards deduct them directly from your bank account


so credit card offer better consumer protection, to warranties and fraud protection but they're actually costlier when compared to like debit cards which offer less protection but they have lower fees


, I think that most couples actually do open a joint account together because, it's like the ultimate symbolic gesture, their financial and stuff like that but uh they have their benefits they have their disadvantages I am generally for


uh couples opening up a joint account because they have their benefits for example like sharing an account allows like, each spouse to access to money when they need it, and joint bank accounts usually provide each other each account holder with a debit card a cheque book and the ability to make deposit and withdraw funds and if your bank provides it each of you would have


online access to it account information and tools which can make all the paying bill part and all the other financial tasks much simpler and you can share it, between the both of you you know so it it's way easier to do things rather than each one of you like doing everything


independently and having to communicate it to each other it might become a tiresome thing and, you won't always have to remind each other to do things you know that there's always that


ya so I think err I understand, where you come from when you say financially independent because for example something happens to their relationship and, at some point they decide that they want to break up or something like that, it might become very chaotic and it might become a hassle to have to you know uh split the money in the account and I'm pretty sure there are a lot of legal procedures to go through


so I think that's one thing, yes it's definitely awkward conversation but it's also, good things about uh having joined accounts even legally do you know any of it


I think like when when, you have sorry, when it comes to


ya that's really true I think that's that's kind of highlighting some of the things that I said as well and even


some legal affairs err are streamlined with joint bank account so in the event that one of the spouse like passes away I think this happened in my grandparents case the other spouse will retain access to the funds in a joint account, without having to refer to a will so suppose my grandparents didn't have a joint account and they had independent account it would be much harder for one of the spouse to access the other spouse's


account and withdraw the money even if they did want, the other to have the money so, I think it uh this depends on each country's laws but I think they're generally that uh there are a lot of legal procedures streamlined with joint, bank accounts as well so


I think that's also another advantage, but, do you think there are any other disadvantages about it


oh !wow!


there are both uh advantages and disadvantages to having a joint bank account I think it depends on each couple what they think is important, and, how much they trust each other and all these things but I think these things should always be discussed earlier on in a relationship they should always uh decide whether they wanna have a joint account earlier on so that they can uh avoid a lot of hassles later on in their relationship


actually since I'm not working and I am currently in university I don't have a lot of financial decisions to make not serious ones at least but I think , for me when I look at post COVID my spending and saving I I expect it to be way harder than how it is now I think the trends today are that the job security is definitely dropping and so people are definitely is starting to save more aren't they


ya so I'm pretty sure that


the security of not just jobs but financially anything it's everything is very volatile, right now so to, say that a certain industry will be uh will give you security or anything as such, it's not exactly we we can't say that this this industry is going to receive or that's is going to receive because everything is very not decidable right


now so I think, in a post COVID world it's important that we start saving now and we carry on with our saving habits so that, in a situation that we as like fresh graduates, from university or something are not able to find jobs immediately and stuff like that we are able to at least


sustain ourselves ya at least for that sake I think we should have a proper saving habit but what do you think about cause since we are talking about post COVID and that means, slowly people entering job pauses


and the job pause and then especially us, since we just are universally I'm going to be fresh graduates there's a lot of idea about financial independence you know how you earn a lot and then you return early uh you retire early so what do you think about, that so do you think that's a good plan


about ya like about having the financial independence later on in your years like when you're fifty and sixty like not working until you are that old working hard in your early years and then later retiring early so what do you think about that


yeah I agree I think right now what we can do is to study to to create our career pathway to work and earn and we save along the way and try to be as financially independent as possible but like you said I don't think it's in our hands our retirement plans will workout especially with


the world in a global pandemic and like discuss the job security and many things many factors affecting our decision at this point, we don't know how this this financial independence and retire early thing will be twenty years down the road if this will be a popularly accepted idea or maybe it's


it would be widely like dismissed and people will not be in support of this so ya I think for now personally my ideas that I think this also means a lot of stress in your early years, because that means you have to work way more and and you have to be really really stringent with your money you can't spend it everywhere and anywhere and I think it's also important to spend


money while you can enjoy so uh rather than just a work work work and then in the end maybe retire early and enjoy when you're forty and fifty when you don't have the energy to enjoy thing we should always continue to, like


spread out our how much money you spend how much you say we need to be consistent this is what I'm basically trying to say


ya true, wait so can I ask you, sorry ya so I realise that like my cousins like my younger cousins actually have uh ATM card at a very young age and and it's actually just a joint account as in it's like a


account that is attached with their parents, so, do you think that children like at a younger age they should get an ATM bank card you think it's safe or what what do you think about it


(mmhmm), so I actually think that because giving kids cash, versus giving them a ATM, cards because since like you said earlier earlier on in our conversation that's everything is cashless every we use our credit


card and debit card for everything, it isn't it somewhat safer to give a a child the card so you know where they spend their money like you know where all the money is being spent versus, you know, instead if we give a kid cash we don't know where exactly it's spend because it's not like we collect receipts for everything but


a credit card means you can get to keep track of where your money is spent so in this sense, when it's a less mature age and things like that isn't it better to give them a credit card or debit card where, you keep track of their actions so I think that was my take on it so I thought it's actually better to give a kid


yeah and, I think even when you lose


I think I think our parents do that where they say about for our education they if they have some plans they get some plants from the bank and then they follow it where they put in money so that you can withdraw it several years later thing different parents uh


uh plan their children's money differently lah for some of them want to like uh know everything some of them don't mind just giving their children cash [loh] think it's up to them so I think generally we covered everything


that we want to discuss but uh had do you plan to get a loan perhaps eh in in uni a student loan because I've been thinking about getting a student loan because, uh, university is definitely very expensive you know yeah


so, what what do you think about it do you think like


I agree I think because especially because there's, COVID right now and it's really, it harder to make friends now and we have classes online you know, all the classes are online which means we don't exactly get physically meet anyone or interact with anyone which makes making friends so much harder


make like and, it also means that we are at home alone most of the time because half the time we attending, lessons and there's the time even the whole family's at home, everyone is doing their own thing


which means we barely talk to each other in the whole day and since we think that we're all the same space and we're altogether we kind of get sick of each other, very fast as well so we don't talk to each other like properly and ask how each other doing think in in this time period what's mainly getting a


a big hit is our mental health if you ask me because you'd ya because you are losing your old friend from school you are not making any new friends from college and you think about it ya you you ya slowly detached from your


family because, you are always preoccupied with something from school or something and even if you're not everyone is just doing their own thing on their laptops even when they're close to so it it it really kind of makes everything so much more depressing it's very hard


(mmhmm)


I agree


ya I think that's there and then


you think about their future everything so bleak you know because, we are all in university right now and then we see all the you know so many people out of job, he he you she opened the news you feel like you want to cry already like everything this is so depressing


and you you cause, this year has been like extraordinarily bad the sense there's just been so many I can't even like say one milestone event because there's so many things that we're kind of


ya ya I think for me because today I think even three bader ginsburg she was she she was in the US supreme court lah she was think second


second female to ever be supreme court and she championed so many thing she's championed, the quality a lot of a human right programs a lot of things she was I think a lot of people's idol, and, she was she did so many things and


in her life that you know I sit down today and read in my books like in my law books and stuff so it's it's, just very sad to see these people and it was very sad cause a lot of people who this year passed on were they're not even they didn't pass on it because of COVID worst worst kobe bryant


this year then what's your think that, I think that one that one really shook a lot of us the thing I think that one was the most most impactful one where we


ya I think especially this year okay because we see a lot one there's the whole pandemic situation that's really uh backing lot of minorities around the world like a lot of we saw the black life moment uh matters movement happen


and we saw the whole uh, ya that was so painful to watch that that was in US and that actually bought a lot of awareness about racial minorities racism casual racism and all those things but as


things things start being unraveled makes everything so much more uncomfortable makes everything more complicated you know, so I mean this year


ya ya ya


ya it's it's really painful to read all these, ya even, big like george what


ya !wow! I remember I saw a video on instagram, about uh, lady on her wedding day she was taking a video, of of, her like I think few hundred meters from, the explosion was extremely sad to say I think someone lost their significant others during


pretty sure a lot of people lost a few like each other but, it was a sia has been think it's also because there's so much more media coverage maybe these things were happening when like in previous years but which is so much more exposed to media and media choices sensationalize


news that really capture last and stuff like that so I think we also get bombarded with a lot of, newsworthy content which happens to be always, negative content as well so I think it, the news also it's not needs to be filtered lah when I look at it now because when we it really affects a lot of people's mental health if you asked me like we get we get


so affected by the news that we read around us even because we understand that you know the world is kind of becoming like one global village and it becomes so much harder to distance ourselves from something that happens from india or america wherever it may be you know okay maybe let's not go delve too much


okay maybe let's now talk about ourselves and what negative experiences


make us fear what what what do you think, uh, describe


I I think when I'm stressed about things I get nightmares I get dreams a lot but nightmare, I get them when I think I'm stressed about for something to happen things like that oh oh I'm specifically traumatized for certain incidents and its subconsciously on my mind for like a days and stuff then it manifests as a dream of like


one night I will probably, wake up in the middle but, how about you do you get nightmares


I knew about this actually I think mostly mine ah just, my nightmares are usually very realistic like we'll just be me living out all these internal fears that I have for examples I have a fear of being late to school


and I have a fear of you know I'll probably be expecting, something like for example my uni results come out I think I couldn't sleep for days until I got my uni admissions I had


I just used to get these dreams that I didn't get in or I screwed up something like the interview process or like some uh written examination for some course I used to get recurring dreams of this and even when I like right before my a level results were out I think I had dreams of kind of feeling everything and


think yeah ya there was, ya I remember because this was during a level itself I think it was after my math, for and I I remember, uh I was I was in the uh after the exam I came home and I


cable when I cried a lot, ya and then after that I remember I just instantly went to sleep because I didn't know what to do and then after that, that night I remember I was away for a long time, how about you


I think that's us though like at the end of the week we just come to each other we basically rent it out ya because if not it becomes


so hard on us and we keep bottling up things and it kind of gets out some way or another into on onto like people we don't wanted to go out or you know cause I when I'm so annoyed about something, at school and then I can come back home and I don't like do something about it I get pissed off at my parents which I really don't want to do lah so I think it's better that we always don't keep things like this bottled up


yeah , oh my god okay so let's let's move on to another question, what what do you think , what is something that what what some incident perhaps that makes you angry even till today despite happening a long time ago


I think for me right uh what makes me I think I usually when I'm angry right it's also about, it's usually with my family member and it's usually about something regarding, how I want to do something and how my parents don't it's always a difference in opinion and


what annoys me a lot about people is when they are not open to taking in opinions but when people are closed minded and they're ignorant and they don't ever want to do anything about it that that pisses me off so much because I think even if, we we are annoyed about something or we don't agree with someone we need to give them at least the dignity to respect their opinion and listen to them you know


ya but when people don't do that and they think that they're right without any drive of listen that's one, I get really annoyed and that that those are things that really really make me angry I think, when I get angry a lot I I've like break into tears I think that's that's a one habit you know about me you know when I'm so angry it's it's not a sad coloured cry when I'm so angry and I don't watch about the I start crying


true especially when you especially at this time when we are all in like so close proximity to with one another like especially our families and there's so much friction amongst us we it's very hard to, to like be nice to each other


occupational everything actually everything at least for my sake lah for from like when I go out who I grew up with and everything is every small thing make becomes a issue for us ya uh okay was there any time that you felt like giving up


I think the once my


favourite one my t favourite TV show is, brooklyn nine nine I really enjoy these sitcoms like friends, sick brooklyn nine nine how I met your mother always these sitcoms I really enjoy them because they're very short and you know when you're having a lunch or you are having some meal you just want to like laugh no not think about everything that stressing your day and you just want to laugh at something you just watch this ya it


ya exactly that's like, like one category of netflix shows that we love and then the other categories like super, hardcore binge worthy kind of uh content you know okay so I have I have this show that I really like called how to get away with murder so if it the show that I think I binged in about a week it had like six seasons but I just binged it in a week it's insanely good and it was


so I really loved it because , first of all it was about, actually how a person got away with, doing murder and it was so smart it's like those slow burn shows where you you know it's slowly start unraveling itself and you're just like mind blown half of the time and it's so exciting and you you really cannot stop watching it's so super binge worthy shows


you know uh can you hear me, ya, ya so those shows are also super interesting I I think I have a taste for all this crime thriller kind of shows so I enjoy anything that has a lot of uh gory things in it I think


they just kind of amaze me a lot so ya those what about you


one of the episodes was dedicated to, how uh females get harassed, in work and stuff like that and it's really nice to watch shows that can put all these things in a lighter manner and convey to the audience where it's not so unpalatable also you know and people can still watch it and laugh


(uh huh)


yeah, I think I basically like pass my I I


cause I remember watching the show and being like I understood what I couldn't understand in so many lessons of, philosophy into a series and I remember, watching it and being like this is what they were trying to explain to me and the shows beautifully captured everything you know ya okay enough about netflix let's let's talk about our childhood what were the best parts of your childhood anything that you remember


very very illegal but we still did it anyway


I remember, you know who took so many pictures that day yeah I mean it was it was a fun day, ya we do and I think childhood that, I had cause I'm I remember we both met first when we were in preschool it was this


nursery that we used to go and I used to like cry every time when I had to go to the school cause, I just wanted to stay home and then my mum used to trick me everyday and bring me to different different ways into the school but then I think like like half an hour into school I would totally forget about everything then I just be laughing with y'all and and at the end of the lesson I wouldn't want to go home I'm like oh I want to stay and play and that was everyday


then growing up we used to be so against sleeping we were like I don't want to go nap I don't want to sleep and then then there's us now we we just just want to sleep all the time,


yeah so oh my god that's actually a lot of things that I miss do you remember when we were young we have those , there's this like, bubble thing that that you you blow and it becomes this huge bubble, it's like bubble and balloon combined thing


ya ya ya, ya


I always wanted it I think it it was it was just thirty cents or forty cents but we never used to get it like my parents I always used to ask my parents when they were like I've wasted so many of it like I always buy them and then break them so they never used to buy it for me I think when we were young


right ya ya after that, the the fan was gone I think we're young there was a pencil case you know the pencil case where you could press and then the the eraser compartment would open it was double sided, sharpener one yeah


the hype ya, uh I think smeagol was, smeagol was also another hype thing that was going on at the time, but


yeah, (hmm) ya it's still uh you could eh even though the I think the, pop up bags like you know the the pink bags that they sell in school when you go there's like buy your books the there's this certain bags


yeah it was really, ya I remember the the long eraser and the pencil were used to put one behind mechanical


pencils everything was very new to us it was so fun now I feel like all the kids are just like obsessed with phones iphones I feel like we are so old


ya ya that was a maximum ya, all the, you know that time like when you type you have to like the a b c you have to like press it twice or thrice to get through to the c, I was a master at it but then now it's all that's gone ya okay let's move on to another question uh


the friends cafe I mean it's it's it's a place where you go and see


everyone else be as crazy as you have boyfriends, and the like the place is so pretty and it's exactly like you will imagine it to be like the whole set is just like the friends set, and you can buy all these I think I I bought a ross milo dinosaur


something like that it was some nice drink and then we, it and you know the couch that that all the friends like sit on so you get to sit on that and they'll there's always a screening of friends going on like on the screen there so you get to buy food sit on the actual couch and then watch the show it's insane it was super fun


you should definitely go ya you should definitely go there okay let's move on to another question uh, oh share a funny inside joke that your group of friends still laugh about that, till this day (hmm) I think y'all


they tend to shave off my hair, when I was very young and I think when I still have yeah when my hair was, ya I used to play with my hair


everyone thought I could literally strangle myself with my hair, with everyone thought I I could probably strangle my hair, probably could have at that time ya but that that is so different I think oh, when I was young I remember when we go used to go swimming I so uh your mum used to bring us food and I never knew what the food was kind of used to eat it all without asking


ya think it's, , I know but I think at that okay first off I probably did not know that it was fishballs but I was so hungry after swimming and I used to be like anything anything people gave me I used to just eat so


I think ya it was so, so fun though I think, all our swimming lessons we used to have uh we used to had this coach who used to, he used to throw us in the middle of the pool


okay I'm actually a strict vegetarian right now so don't don't flame me on this I'm actually a strict vegetarian but uh, what is the best meal I've ever had, okay actually I really enjoy , all these like proper, like like proper indian food or proper italian food of all these uh ethnic foods I really enjoy them a lot more than just normal like pizza burger type kind of stuff that's pretty general so


if you want to make me happy right you just need to like give me either like a a full set of north indian of like Biryani and and everything or you can just give me like, a full on like ya ya ya it's not if you like go in the opposite side like give me pasta


and you give me like really like nicely done like, okay not not not like real meatballs but like you know vegan meatballs and everything like the whole italian cuisine like I really enjoy italian cuisine I love mexican cuisine I enjoy mexican cuisine a lot because think there's a lot of resemblance


ya all their nachos and everything the burrito really like them a lot because they also very so lot a lot of flavor it's also as spicy as indian food so I really enjoy it how about you


ya,


oh yes korean food, no no no no that that's actually vegetarian versions okay this vegetarian option for everything so come up this I I I mean I, like korean food also I I've been slowly been exposed I'm, okay now I basically live on Mala that's not korean but I'm saying I basically live on Mala whenever I go to school I'm just like because you have the cold food then I'm like sick buying lah cause most of the other places don't even have vegetarian food and this is the only place where I can actually pick up the stuff that I want


and since I'm like eternally obsessed with noodles like any sort of noodles that you give me any type of noodles I'll just eat instant non like anything right so I just eat Mala every time I go to school I think it's very unhealthy but I still do it anyway ya I do enjoy korean food as well


no no no no, no I cannot I I take them literally the smallest like oh the the lowest level and that's


still end up like crying by the end of the meal I'll just be like it's nothing and crying by the end of this meal ya so but I still do it to myself every time


yeah I think maggi can solve anything in the world that that maggi should be used


I think I have but no that that that kind of destroyed maggi for me no, ya I don't I don't want, , no that that's, no that's very insane it's not healthy and you should probably not eating it more than twice a week or no sorry twice in a no twice in two weeks no that means each what am I saying twice a month ya


okay, you just ask this question to hear me talk about you


okay come let me say what do I love a lot about you you always, manage it's it's like our relationship isn't exactly the, most like ons kind you know where we talk to each other every day but it's like the low maintenance


ya but when, that's super high quality like anytime I can see you, and ya I don't think that's that's what we learn about each other the most cause we know inherently who we are like each of us we know each other so well that


we can probably tell what's I can probably tell what you've been doing if you tell me that or do I have to do this this today by the end of the day I can still tell you what you would have done what you wouldn't have done because I also love that we're both, extremely extremely lazy people and procrastinate till the last minute for everything


ya so even if you tell me that eh you're going to study today if I like message you at like eleven fifty you be like dude I probably, fell asleep in the morning I woke up at like twelve and then I wanted to study but then I got a call


no but I'm just saying this is you are like diary I can I can make stories about thing in your life your timeline I can probably get it right so


, okay thank you but okay I think, let's let's not use this opportunity to bash each other let's let's what did I what do I do really love about you is you will actually honestly do anything for a friend it's so cliche I know it sounds so cliche but if you really really


love someone right you really love someone you will actually go to a lot of extremes for them which usually includes, forsaking your own like sleep and everything, but you usually ya but you will go out of your way for a friend and I think that's that's one of the best things about you and if you really want something right and you put your heart into it like usually most of the time you are just like ha what's going on but when you really want something and you think that you you can do well in something you put the effort


you can do really well so that's the thing when you're determined about something you really do well and then, and that's also something I I admire about you, you actually have a like uh a lot of potential and


thank you thank you thank you so much


part one finance


uh I save money by investing into different types of retirement account,


to me by investing is to actually to grow your money so it doesn't just stop there like some people think like oh you save money in your bank but like I think by investing you actually helps to grow your wealth, then uh I also have to estimate my expenses so I don't overspend uh ya so that's how like I plan for retirement so I just estimate my expenses I see what I can do to not overspend


okay


okay so for me to, what I would recommend is breaking up the cost so I just have to total up the expenditure including like my transport meals and like other spending then because it's like a big cost right so I have to know by when I want it so I can


like oh this one I have to save this much this week I have to save this week this much ya, so number three how do you spend your money which expenditure is justified and what have you been spending too much on


nice okay


oh how I spend my money, , usually if I go out with my friends if I really like get one stuff, I don't get anything else so like it's just like a one time treatment if I go I don't spend a lot of a lot of stuff then


I expenditures that is justified to me is definitely my transport meals and basic necessities but what I've been spending way too much on is grab


cause I like to I like to procrastinate so procrastination leads me to being late so I have to take grab, yes, yes okay ya


next question is what advice, would you get to give someone him or him or her out of a debt, to me, debt is like a big thing uh but the the only advice I can give is to stop spending for themselves


because like to actually make them focus on getting the money back or the other option is to lend money from like your close family members or your close friends that you can trust, what about you


ya okay uh, what are your thoughts on CPF contributions, yes ya ya


should we to the next question, okay ya honestly I think for me right like right now I have a lot of like clothes I don't use so


selling used items and then reselling it actually like have a lot of profits ya then I I actually earn more than I actually paid for lah then start up a small business like can be food or anything lah just like a little bit of profit what about you though


uh okay


okay next question do you think one should own a credit card


ya same goes to me I don't think I should own a credit card because, I think I will just spend too much ah, I I will keep on thinking ya I will keep on thinking like oh confirm I payback lah confirm I payback but I feel like ya I wouldn't I would just keep on spending and spending ya


okay next, uh my advice is so easy work hard now enjoy later cause like after retire


live eh life after retirement I think you want to like chill and like relax lah so ya it's just like hustle now, how about you


ya, what I ah


what are your opinions, on, ya what are your opinions on supplementary retirement scheme, true, okay to me I it's okay lah it's like I think it's good because uh


uh, I heard that your employer can put in the money for you also so it's like uh the account you can put in money at anytime and as often as you like so ya that's about it that I know ya


uh, I think I will open my children like a savings account lah so like because like when I was younger my mum open up like a OCBC account for me and then like every one dollar I put in I get a sticker


so to me that's like something fun so I like I always want to compete with my siblings who has like the most stickers ah so we will like, save as much money as we can


ya, okay next uh


uh okay, habit of saving


you can go first, I see


yes I have the habit of saving but like it's not too like disciplinary lah like I don't discipline myself too much to save because it's like !wah! you got a lot of money you didn't like you have the urge to like spend a lot so


ya but, at the same time I still have to look at like my spendings lah like if I see like this month or like this particular like might I've been spending too much on grab I will actually like try to cut down keep on try ya


ya, advice


I think if I were to know sooner is to start saving at a young age because, you don't have much time, ya what about you


ya so, in a post COVID world what changes are you making in terms of your spending or saving habits


okay so for me post COVID world I think ya I actually realize like, it's not really that hard to, cook yourself for me lah because like we I living


in a century where we are like uh exposed to a lot of easy, how’s ya, like easy access ya is, ya so it's like a easy access to get delivered food so ya I think like post COVID maybe like


I'll try to save more on like cooking myself meals lah, okay next


uh, ya like, I think


ya like I feel like you need to have like self discipline lah because, money ah,


ya honestly, what


in knowledgable uh, what, uh what


ya ya


how do you manage your cash flow, how much of your income is allocated to savings expenses and insurance or investment, okay wait for me right err


to manage I think is probably to regularly check financial transaction what we have now is I-banking so I think it's easy to check what you've been spending on and then to increase cash flow uh, cut


spending where you need to then uh to divide it maybe fifty percent needs twenty percent wants and thirty percent to saving for me lah, ya uh uh no


okay uh I prefer to go, cashless, for my part is maybe because is much more convenient so, uh because like I said earlier because you use like I-banking or what you can see what you spend on but if you were to use cash like it's a bit harder to keep track if you don't regularly just keep your receipts ya


then also by going cashless there's a lot of like benefits ah like if you were to use like your nets or passion card like you can get like cashback that kind of thing ya so you can redeem


ya ya ya ya


so how do you manage your financial commitments before and after marriage, ya


part three negative experience


okay, okay uh my biggest pet peeve or what annoys me the most definitely


ironic people like if someone were to say like oh my god I hate that person because she's doing this is doing that but literally like they're doing the same thing, so to me that is like so annoying because like


why can’t you mirror yourself first before judging others, ya ya what about you


ya uh


I have a lot of movies that made me cry sadness but I think the one movie that, uh for me lah is a netflix movie called all the bribe places , yeas


it was about like a guy suffering from like depression or something until he met like someone but like all movies like things took a turn and , he actually


committed suicide uh because, he felt like he wasn't good enough to be with her and like she deserves better so he actually committed ya suicide, ya


is it Nairobi, ya ya ya describe


oh describe what you dislike about the younger older generation, younger or older generation, I think I'm gonna go with describing younger generations because


now like I said, earlier like, we're living in like twenty first century so many technologies has been exposed to us , little kids especially younger generations have already like


learn how to surf the internet they watch a lot of videos they have more access to like the social medias and all uh and the fact that they already have like this uh privilege given to them


I feel like sometimes it makes them, a little bit rude to their parents, because , they feel like, they feel like ya they're entitled to something so like


to me that's what I dislike about younger generations they feel like ya they are entitled to their saying, even though they are literally like, primary school kids ya ya ya sure


okay next question, talk about your worst travel experience, uh err, I think you can start first


ya okay so for me is, actually very recent a trip because uh me and my friends went on a trip to


port dickson uh literally like a day before, malaysia, decided to close their borders so we got there and literally the same night uh we got there we received a news that oh uh malaysia is closing their borders


if we don't if we don't get in uh to singapore by the night we might be, uh quarantine in malaysia for, fourteen days or a month if I'm not wrong so it was a very hectic experience because within the same night we had to look for drivers look for people that can bring us back to singapore we had to


uh cancel all of our plans uh make uh even with our airbnb , and the worst thing about it is that, when everyone received the news everyone panic so uh people that were from singapore


everyone everyone is trying to like get back in to the borders right so, it took us like around eleven hours, eleven or twelve hours uh so around eleven hours we were sitting in the car without


like proper meals because all we had were just like crackers and our last meal was, twelve PM and when we got back to singapore it was already like two thirty AM so ya it was and and the fact that the car itself was like super cramp which makes us all like super


agitated by itself so ya there's like probably one of the worst experience in my life, travelling ya


experience any loss in my life, , probably when, I lost my, grandmother uh because


I I didn't talk about this because , I were still young at that time and it was a very hard, thing to deal with because, she, she stayed with us the whole time uh when she got diagnosed with cancer so I spend a lot of time with my grandmother we always like we go out together I would like


push her wheelchair and all , like, I will literally like and I get back to school I will ask how she's doing so when the day that I found out that she actually like pass away


I was at school so, it was shocking lah because , I didn't expect her to go that fast, and the fact that I got to know from uh my neighbour that she pass away I I didn't wanted to enter the house because I knew the funeral was going on so


ya it was a bit hard for me to, like grabbed about what what actually happen lah so ya the passing of my grandmother was, like err, the most saddest lah I think so far I've been through


ya what about you


uh


ya okay next


I think I'm gonna skip this but you can state


okay


what is your greatest fear, , to me my greatest fear is, probably losing, my parents first, uh because I feel like I wouldn't know how to function in life because obviously I grew up with them


, they've always been by my side so, ya I wouldn't know how to like react if like my parents were to go first like there's literally one of my greatest fear


is I can't live without them, ya okay


, uh, I think you can start first on this


ya, uh, describe a time where you feel that nothing you do is good enough, err to me


it at I think this feeling probably like happen like probably, two months three months ago because, I just graduated from higher nited and, when I couldn't


get into poly because of like my GPA, I felt super useless because seeing my other classmates get inside poly, really makes me like, angry about myself because I feel like oh why can't I be one of them why I didn't do better uh


why I didn't like study harder that kind of thing so because of that uh thinking, err, it really like made me feel like oh uh everything I do is not good enough because I can't go for


I can't look for a job I I can't go for, poly so ya that was me after graduating I keep was when I felt like nothing I do is ever good enough, what about you


part two positive experience


okay for me


is when I get like, small recognition, like let's say if I were to like take pictures like for my friends or like because I do flower bouquets and if like my family members or like my relative were to compliment me on it


actually that makes me smile because like it uh like they actually looked at the little things, ya what about you lively is it ya


ya, okay second, I think you can go first, ya


I think to me is, probably, cutting ties with like, people I used to know because last time last time past self and my future self I mean present is different because I used to be so


like wild and, ya I used to be wild so ya rebellious uh so like, so like now by meet not meeting them anymore I feel like I'm a different person like completely different because uh I meet new friends meet more people so ya the biggest sacrifice is probably to cut ties with my friends lah last time


uh so number three, describe the best movie or TV show you have ever seen and what do you like about it, ya


okay to me I like , honestly I like watching brooklyn nine nine and friends because , even though friends is like seen like as a comedy is actually really similar to what we face because they


talk about like issues that, go through like, young adults like entering like the adulting life so to me is like so relatable because they feel like oh they're already old so like what are they supposed to do in the future that kind of thing so


is like, teaching me a lot of stuff lah about life, ya, ya


ya they go through everything together, three things take you have in common


, we are both ya we're both funny super open minded , and I think, like ya


bubbly also like we like to like, talk to new people meet new people ya and like, so this, three things that is common, ya


okay the next thing, ya definitely ya


ya same ah to me , definitely the beach also because, I feel like in singapore right everything is so hectic so like when I reach when I reach when I am at the beach it's a different like atmosphere like everyone is so chill taking things slow like relaxing with my friends like that's why I like to visit the beach


ya ya


okay next


good for I think you can start first


ya ya, three things I’m most grateful for in life, definitely, ya my family members


my circle of friends and, honestly my, ya, honestly ya my family members close friends and uh my relatives


like, honestly if I were to get like, , of those relative like I'm not close to like I wouldn't enjoy family gatherings as much so ya close friends because like you said earlier none of my circle of friends are toxic we are very supportive of each other like if


someone were to open like a business or like to do something like out of their box like none of us will be like against it but instead , we are very supportive of each other, ya ya


yes definitely, so the next one, , your best friend or partner, they you can begin


for me I don't have a boyfriend so , I'm gonna talk about my best friend, uh actually I admire about her,


one thing I admire about her is how, like, positive she is like there's so many like downfall like, in her life that , I think if I were if I were to be in a position I would have just give up ya literally but ya she has like a positive mindset always


thinking, like thinking of others uh, and then the last one is , she is very, caring even though she's like super busy with like dance


cook and work , is is hard to see her at like events because like she's always like busy but, little things like her checking up on you like giving you a text meeting up with you is like what I admire because


it's hard to, it’s hard to like, look for someone like that like truly cares about the people around her so ya that the three things I admire about my best friend, okay so ya


you can go first