like cause properties are there for a long time, but you just got to find constant people to keep renting out the place and all lah but other than that it's it's actually a very smart way to keep get a secured income coming in , and make sure the cash flow is there right and the properties can also mean like uh investing in a hotel so in a hotel you know that these people people are going to keep coming people are definitely going to come and go come and go come and go so you know that that is a smart move but of course you must make sure that you


you know you don't run a uh rundown hotel lah it it must be a you you invest you have to pick what you invest in cause in the end of the day it's your money, I yeah


uh as of now I I know my, parents did use their CPF which is why the elder generation keep emphasising to go for a job which have CPF go for a job which have CPF because it takes half your burdens away alright that that's what they emphasise on


but these days uh you know people are capable of not uh using their CPF and paying for the down payment by themselves ya there's a lot of schemes and a lot of stuff and they they there's a lot of jobs that that you know pay you well enough alright


alright , hello hello


hello wait wait wait hello hello , <P2>katie's</P2> brother just called me on whatsapp I went to go and decline the call and then now it's red colour there, and when I talk it's not coming I'm going to kill your I'm really going to kill your brother


but it's not hello hello but I don't see the bar like when I talk ya, ya ya ya


okay , okay can ya, so anyways where were we before your brother called and ruin everything


buyer's stamp duty when you buy a wait ah would you buy a property for investment given the implementation of buyer's stamp duty for people buying additional property would additional buyer's stamp duty, uh


buyer's stamp I only know I don't I'm not sure if it's the same thing as the stamp that HDB gives so I I'm really I'm really really really not, I I'm not sure I to be honest I'm not sure ya so maybe maybe maybe we should I don't know wait ah let's see uh I don't know


ya let's skip the question uh okay HDB, loan or bank loan which home loan would you consider when purchasing a HDB flat I would say HDB loan, okay reason being okay HDB loan they deduct straight from your CPF on top of that it's a lower interest rate so you can really see you yourself affording it and let's say something happens uh you know you don't get affected because it's under the government and stuff


whereas for bank loan when I checked very recently for my own house is well it the interest rate was very high I'm actually paying over twenty to forty K to the bank for actually giving us the money and that that is very bad because uh it's it's a lot of money, right so so I would prefer HDB loan and it's also all under one one one place you know I'm buying a house from HDB I'm getting the stuff from HDB and it's all like in one place ya that's why it's like not a lot of headaches ya so I I would prefer a HDB loan


sorry, no home loan is the I'm not sure I'm not sure


which home loan I would prefer because I've not really gone to see them ya as of now I'm very I'm not really I don't know, ya


it's pretty much straightforward lah if it's the bank then uh you know a lot of uh, ya true true, and if it's a HDB loan what makes it simpler is when you are getting the HDB the flat from the HDB when you apply the loan the HDB side will pretty much do everything whereas for the bank loan you need to submit


and then you need to do this after that you submit again and then after that a lot of things you have to send back and it's, ya that's cool, ya it's quite annoying moving on okay if you settle for a bank loan do you go for a fixed or a floating rate interest package


okay both has their pros and cons lah, sometimes the interest rate will go down, true


ya it's it's pretty


I mean some some some months you'll get lucky cause the interest rate is lower and stuff but you can't assure that, ya so because the the rate is fluctuating right so it's going to you can you can you can have the liberty to do that but but it's not going to be low all the time or you know you won't get lucky all the time


no they will look at the you okay you know like stocks right you have you seen stocks you know how it's fluctuating, it does


so it's like they will take the total average and then after that they will give that okay that month is like they know say our shares are good and they can that's that's the kind of thing I mean I mean to the best of my knowledge that's that's what happening lah, ya then they will take the total average so that's why sometimes it's low sometimes it's high so when it's low good lah you pay lesser but if it's high you play you pay more lor


but if fixed means you know that okay this month I'm only paying this much I know that the interest is this one and for the next don't know how many years down the road I'm just going to pay that much so I don't need to worry that much


no no no, no


oh cashless


well for me I I I prefer cashless also, ya that's one thing but I also prefer cashless cause it's more convenient and you don't have to carry so many things and it's a very fast transaction like


your my preferred name and feature is uh the paywave paywave everywhere you go you just tap your card and that's it and it's like very fast and and in a very fast running world uh and we are we are moving very fast it's it's really helpful, uh although ya there is uh you know chance of you being scammed and all other than that everything else is pretty good and it's it's much more convenient lah ya


ya you don't have to go like physically down and and start paying with cash and and like it or not sometimes when we go to a place where they say no it's only cash we actually we can see people getting annoyed because they are so used to the cashless treatment already


ya so choose , ya we good


oh oh ya so so cashless cashless all the way man


alright oh no sorry


part three negative experiences, !whoa! (hmm) right okay


time when I felt trapped or helpless was when I came back from Glasgow and I realised that I couldn't go back and study there because of the stuff that has been going on back in singapore so I felt very, I felt really helpless cause I didn't I like okay what am I supposed to do now I don't know what to do so I felt very


felt very upset lah so ya that was like one time that I actually felt very helpless, alright what always brings tears or sorrows to your eyes, right


mine is, when I think of simba, uh and when I think about the, very near future cause I especially these, few months where I know it's going to be very tough so and I think about my mum and everything I'll start uh tearing so and also thinking of like how am I supposed to


uh take care of my mum my dad my family and my better half so this kind of things, ya, if is there one thing you wish you could change but you'll never be able to


my parents my parents divorced, ya , I think ya that's, ya (mmhmm) did you


sure, ya we do I mean ya even now my I have family members who look down on, me saying that you know, you are good for nothing and stuff like that is the hurtful words which is quite sad actually so


all this stuff like you know you try so hard but then they just don't they just don't see the best in you, and all they do is just bring you down it's quite saddening, that's why ya so did you simba


ya simba and uh casey, this year was very tough because we we lost casey boy, and uh, it was a very scary moment cause uh it was very unexpected


we lost simba because he was very old and, his last few moments are always in my eyes, I will never forget that, ya so


what , , , it's I mean it's it's it's popular but it's it's not a food but


I think I dislike #mee siam# with the soup, no #mee siam# with the soup , , I and and #mee soto# and #mee rebus# oh my goodness I I don't like all those


and uh uh chilli crab, and uh, salad oh my god yes salad I I I dislike salad mushroom soup is nice okay


what sacrifices have you made for your loved ones but were not appreciated for it, that I've gone broke for very long just so that I can pay off whatever that needs to be pay paid off


and I've, I'm like suffering, ya, and also, like once I was ya


ya like, we do so much for our loved ones but they just don't see it but all they do is just pinpoint us when we are in the wrong or something which is quite irritating lah , ya eh hello no


no what do you often worry about, ya finances, ya finances


ya I often worry about the finances, ya


alright what did you believe in when you were younger but not anymore and why, ya they said adulting was fun but I totally choose to not agree with it cause


ya, now I realised that it's not


ya a lot of freedom they deem to be ya said that will be given but nah I I I just choose, not to believe that nonsense anymore , describe a time


describe ah describe lah, okay uh


I ended my friendship, okay man never mind friendship is still fine I'm still talking to the person so I ended my relationship with someone because I felt like I wasn't treated the way I'm supposed to be treated I wasn't given the respect I wanted and I was always the second option so ya it felt


very bad at at the beginning at the very beginning and all so I had to make sure that I I push myself up, I I put myself higher like I know I'm not being treated right so I should definitely be able to


you know uh get over this and instead of like the self respect for me was like very important so of course I felt very bad I was, I wasn't doing very well I felt very upset I started crying at random moments but still we made sure that I mean I made sure that uh you know I will pick myself back up I gave myself the time allowance and then I slowly started you know making my way up


ya so that's what I, uh and I and I finally got over it ya so it it was sad uh ya ya I I I still feel like you know maybe I could have done something or whatever to end it off in a better note but uh well it's over so I I'm I'm I'm much I'm in a much better place now


so ya that's pretty much it that's when , have you ever wanted to get revenge, !huh! , what happened that made you feel this way


ya I I never wanted revenge rather I I I think I wanted to just show this person that look if ya I'm just going to show you that I'm in a much much better place in life like I rather I mean that is my form of


ya I I'm, ya I want to prove I just wanted to prove them wrong


that's what I felt like, like, so ah ya I never really wanted and what made me what happened that made me feel this way is uh most of the time it's it's actually my own uh loved ones, uh one of the person there very close to me but likes to you know scold me and always look down on me everything so sometimes when that happens I will always tell myself like oh you know what I'm going to make sure that I


I I I show this person that I'm going to do well in life ya this is the kind of revenge I I look out for not the one that I'm going to kill the person or something okay , ya, so describe a time when things turned out not meeting our expectations


okay uh describe a time when you ended a friendship or eh no no wait uh describe a time when things turned out uh things turned out I think was the job before this job where I actually, went in with a lot of energy thinking that oh you know this person is also going to guide me and everything and ended up eh leaving the job because the


person was micromanaging me and uh I was very excited to join ya and uh when I went there and I found out that you know it's not actually what it seems like I got very disappointed and uh hence why you say you know don't have expectations you know and stuff it's true


so when it when this happened I was very upset and I also felt like you know, I I just felt very upset lah and it shouldn't be this way so ya , yup so


ah ya #sushant singh rajput's# uh , passing really made me super angry cause the media made it seem like, it was uh I don't know they were very insensitive lah


ya, to them it's just another news so that people can get, ya the TRP rating's up and the people to talk about their channel more and all rather than talk about why did he actually you know decided to do that to himself and all


that was that was very very ya I I found it damn insensitive and uh they they gave little respect to him and the family


ya ya that is


the kind of people that I dislike or I hate ah are people who, like to watch other people fall just so that they can rise and stir up shit, they like to you know find uh they are problem makers lah basically I I can't stand them


okay, so ya, these are the kind of people that I I just really can't stand, alright so


the time I felt betrayed ah, (ugh) , I think I always feel betrayed when uh people are not completely honest with me and they think like you know


it's totally fine, lying to someone just for your own benefit or anything I I can't stand it, I feel like it's it's very it's very hurting lah when they do this kind of stuff, you know when they go behind my back or something like that something happens so ya it's it's very hurting so that was a time uh I I whenever anyone who I I any loved one of mine goes behind my back and does something but I am not aware of it I feel very betrayed ya


how about yourself


alright, I can't hear you properly you're muffled what are you doing


my saddest moment was of course simba's passing and uh casey's passing and , when I , uh before both of them it was the part where my my parents told me I cannot go back and study in Glasgow


ya tiktok


I I have done tiktok but I cannot stand people who do tiktok everyday and and I usually when I do tiktoks I'm, being forced, uh I I am just being forced to do tiktok so I just cannot stand tiktok and okay oh oh another popular trend


is uh okay I'm so sorry but I cannot uh I can't stand those K pop uh, people who are crazy about K pop, oh she's back


part two, positive experience


alright so, nice, uh you you you go first, for me , uh mine is of course playing with my brothers my football we played block catching we played #ali pom# reliving all the old times it's so fun you know we make so much noise we are just always on the ball man we just get so so so excited


ya !aiyo! what happen


alright alright okay so there was this one day when I was coming back from school, and uh simba was outside my gate and I was like what this fella trying to do then I just peeped I I walked and he didn't even see me then he was playing he was like sniffing the floor and all so I was like I was peeping and I was like what's wrong with this one


and then he was trying to basically do a a prison break and then uh he got caught and then he just stared at me like oh shit I'm the and uh ya like oh no and then he just like started wagging his tail very slowly ah it's like one of my favourite memories of him and then the whole day he just stood


he just came uh right beside me he's like following me everywhere I think he was hoping for me not to tell my mum or something like he was just trying to be a very you know Manja boy it's like like Sayang him a lot so that is one of my favourite memories with him ya


simba


okay so what are the dreams and goals that you wish to achieve before you die, photography studio ya okay uh for me I want to be a very successful entrepreneur


and my biggest dream is to actually, uh how do I say , okay uh uh uh uh I I don't know this is a dream or a goal lah okay my biggest dream is to actually be the owner of uh of arsenal football club


that's that's my , that that is my biggest dream you know I want to be, I want to be I want to be that rich ya I want to be I want to do that, okay but uh something that is more realistic will be skydiving I have always wanted to do skydiving and I can't wait to do it uh I would love I would love to do either skydiving or bungee jumping


I think I think skydiving will be better ya skydiving is you know the eh, I love the adrenaline rush, anyways , what do you love about life


what I love about life, what I what I love about life is that I dictate what happens next I I have the liberty to choose how I want my life to be, and I I love the fact that every single day when you wake up


you actually have, it's a it's a whole new day there's something you would actually learn out of it or something new will happen more memories being created something will make your day so you know it's it's like a surprise that kind of thing that's what I I really really love about life which it's quite


what what what is it what is it, I say I I hello I say I can dictate my life it means like


okay if I'm going to go to this job means I'm going to go to this job like this is how much I'm going to earn that's what I meant like okay this is how much I will settle down with, okay, when I meant I don't know what's going to happen is


no when I say that when I don't know, so when I say that we don't know what's going to happen meaning to say as in we don't know what's coming it's like all the stupid jokes that we create and all like we'd we don't know what that's what I meant anyway this is not a debate I will settle with you on skype later


okay describe an experience when your faith in mankind is renewed, so


uh when I was in, uh, Glasgow studying I had an experience of witnessing racism right like happening right in front of my eyes, so when I came out of the club and you know these two guys two white guys hitting up a black guy in a dark alley and uh uh and then I thought to myself like you know and I've I've always wondered that human beings are the most


you know disgusting creatures and all like you know we we are given a blessing of having we can think but we don't use it well enough we have so much of toxic thoughts that come into our mind so


when I saw that uh I really was like you know what I'm so disgusted to be a human being you know I rather be an animal like a dog or something a few months down the road I think it was the following following year or something so yup, in the same dark alley it was it was quite interesting because like when we when we walk and all we can see but but it wasn't dark at that point of time it was still afternoon I I saw this same like uh another


dark guy you know uh uh was there covered it was it was winter and he had no proper uh jacket so, uh what I saw was uh a family, (ppc) went into the the shop nearby and went to get him a jacket and food and passed him cash


the only reason why I saw this whole, scene was because I was sitting in the opposite store drinking coffee and doing uh studying so when I saw the whole scene I I realised that, you know it was wrong of me to think that all people are the same I I shouldn't be a stereotypical person well there are there is a good in everyone and we should just awaken that part of everyone and that's when my my faith in mankind was renewed and I felt like oh you know


people are not that bad after all human beings are not that bad after all why am I only looking at the negative people so that's what, that's that was one of the experience where I felt like okay it was just one of it there are so many times or even in our own singapore, you know sometimes the uncle auntie come and sell the tissue paper and all that you know you you feel bad for them and then you you know you pass them the money that kind of thing so these are all the tiny tiny things that that you know oh you know people are actually nice and kind so ya that's my


short story, let's move on to the presentation, yup, what is your favourite, childhood food or snack hello panda, till today


the tapioca chips, we have that we all I also have the you know the thirty cent one the colourful colourful one, you know the thirty cent the colourful colourful one you pop out everything then you eat the colour


ya the no no no


no I really don't know maybe you can show me later, alright describe a moment when things turned out better than expected, my current relationship


my current relationship so I I didn't expect like cause I only know my my my better half for like what three days before I actually went to say I love you to her and uh what happened was uh I didn't expect us to be lasting this long and uh this coming week is our anniversary so it was actually quite uh


I I I you know it was quite quite uh I was taken aback you know sometimes when I think to myself like eh !wah! you know we always say that uh well I always say that when we talk when we know someone we get together with someone we need to know the person well enough but over here here we are, three days we say ah I said I love you


got together and we went through so much and we are still going strong even planning on a marriage and stuff so so it it was very very interesting it turned out way better than I expected so and on top of that now we are both in a career line where we both can really make good money and we just have to put in hard work so I was really really


like taken aback so I was like damn , ya so that's uh, that's a moment where I I felt like things turned out better than expected


you say lah I say the previous one already what what is your your, okay uh what's the nicest thing someone has ever told me, , that I am that one person who won't think twice before helping my loved ones


that I'm very kind and uh I've a heart of gold my like my heart is very pure, ya ya hurry up (mmhmm)


describe a fond memory you share with your loved ones, okay okay ah


describe a fond memory right uh , I think it was every holiday trip, we go to where uh my family and I we actually really enjoy ourselves there so there was once we all went to Batam and I really had a good time with my family so, it was quite fun and uh uh gardens by the bay ya I went there with my better half and and uh it was


ya, ya it was uh one of a very very very memorable experience so yup that's it talk about a time when you experienced personal growth honestly for the past few months I feel like I'm a lot more responsible and I've been about uh a lot more focused


so where to a point where my my mentors come to me and say that you know you are capable of this and to a point where people look at me and they're actually scared because they know that I'm progressing in my uh business well so I think that is a personal growth for me


nice okay


I'm thankful for the people who genuinely love me, ya our loved ones, ya, okay what is a skill or an ability that you are secretly proud of having,


you are proud of having procrastination, okay I think my skill or ability that I'm secretly proud of having I think my humour level, I think I'm very funny ya


ya right I think I'm very funny so I think, the ability to make people laugh it's something I am secretly proud of having cause sometimes I become the joker in the house , alright let's see what was your best


what was your best birthday present and why, , okay my best birthday present is when


that was honestly one of my best birthday present when she came to my house with a cake and then she gave me a huge like a big hug big warm hug so that was one of my best birthday presents like uh her her coming because she's one of she's someone I idolise


she's someone I look up to ya so I was very very excited when I saw her so that was one of the best birthday presents ever , yup and the second favourite birthday present was when uh, ,


okay then what is your favourite , alright me


I want to get up I want to go to the office cause I love my job I love my office I make sure I see my guys, and uh the people I really like and then I want to you know end end work at probably six Sevenish and go on a beautiful dinner with my


better half and then after that uh most likely uh dinner by the beach or something so that we can after dinner we can go for a short walk during uh you know uh by by the seaside and then after that I would love to


take a long drive back home that would be my perfect day, day lah


K what is your comfort food that you can always rely on to cheer you up, mac and cheese , yup


mac and cheese any day any time the cheese, especially seven eleven one also they will it will ooze in your mouth it's so good the astons one also the astons


right we good we good that was just on time yeah


part one finance


uh for me I invest my money to accumulate wealth to small investments uh when while I'm still young and also uh putting money in my personal accounts in the CPF


I also try uh to put my money in uh singapore saving bonds to get as much money as I can in the future because it's very liquid so I can pull out the money when necessary when I retire, what about you Yee-Shi


oh I see I didn't know that I actually didn't know that can ask you should I DIY or get a financial adviser to plan my finance


ya I agree I don't think I'm very well versed in these topics, but uh I was just what I also I was also thinking about getting a credit card recently because I think that it'll be nice to just spend and pay back every end of the month maybe but I heard that is a very controversial thing to do but then I don't know what's your take on it


I see but sorry sorry sorry, I don't know but I heard of a secured credit card where like I backing up my debts with collateral such so like I'm thinking about that because like I may not actually be able to pay back but the interest won't be as high


ya I heard it's a more safer option, alright alright uh did you do anything on the highlight or just did you do anything on the side to earn extra income like are you happy with your current income if you don't mind me asking


I just I do I do the same I just take jobs, that I take odd jobs and things that don't really require skill something that gives me quick cash, but I think I rely a lot on spending habits so like I try to be as budget-friendly as possible which is like one of the ways I try to uh I keep track of how I spend my money


and I try to make sure like what I'm spending on is always justified so ya but uh what about you do you feel like you spend your money wisely like, or do you feel like you've been spending too much or anything in general


so you would say that saving has become a habit for you


I see then !wah! that's all that's all great to know but uh do you ever think about like, when you're gonna retire and like I mean like I I think about these kind of things and I wonder like how I could actually like retire like comfortably with a comfortable amount of cash you know like money like do you ever think about that


oh alright alright but unlike you I haven't thought it through the far but but uh


I'm purely depending on my spending habits and savings, right now because I don't like good knowledge on like uh investments and all these things but in general I just try to get side income and spend wisely just save in general but I don't really have given it that much thought as compared to you


, so do you think that the CPF plays a big role in your savings like what do you think of it like CPF contributions do you think like it's actually beneficial


I see I never got the chance to learn all this like or like to read up, well then I think that's pretty nice to know what do you


well then in the future if you ever plan on like I mean like I guess we're all planning on like going overseas and stuff making a family and all this stuff uh do you ever wonder like how you're gonna how would you recommend yourself to go and plan for all these big ticket spendings


like let's say like I wanted to buy a new car or like something like that or like a goal that I had specific in mind how do you how would you advise me to like save towards that goal


I think no lah but I would like to share something I read online where it's like they said I was reading about something I just saw on the internet and they were saying like for this kind of uh of like goals like big-ticket goals


you the one advice that they gave was to open a specific a another savings account in your bank just for that specific goal because, it's like psychologically comforting to put in money inside and know that you don't have to spend that money on expenditures because


you know that account is just to uh meant for, saving money for that goal and you don't have to worry too much about it being depleted from expenditures so it's very like comforting ah to see it just grow slowly towards your goal and it's also supposed to be motivating for you to save more so I think that's quite cool ah because I didn't think of it that way where it's like


oh I would see this account uh increasing in money but and I feel like more motivated I I thought it was a cool way of like actually working to saving towards that those kind of big uh big spendings


ah, that's nice well speaking of money like how do you like generally spend your money now though since we are on holiday


then would you say that you are spending too much on anything


I've been spending on with our friends just


friends and myself because I have a gym membership to maintain so I renew it like every six months and I have to renew it for, about three hundred and thirty dollars at one time so uh ya that's like it puts a dent in my savings because I don't really have that much to begin with as a student


but uh other but I think to me that is justifiable because it's something that I cannot like live without so I have to I have to get it because it's a it's a lifestyle for me and uh I would say that I also spend on outings with friends


which involves food uh entertainment maybe some drinks I would say the only thing that I spend too much on is like drinks like for example yesterday I went to a bar and I got two drinks for like fifty-six dollars but it's like I wouldn't I would say it's like


it's uh both it's like despite me spending that much in the night uh it's justifiable in the sense that I only do it like maybe once every two months or three months like so it's not that it doesn't put much of a impact on my spending


but ya the main thing I spend on other things that are like necessary to main so like gym and good times with friends but things like clothing and


accessories and other stuff I don't really spend, in fact I haven't bought this kind of clothings or like items for very long because I don't I'm like quite content with what I have so far so I never felt, the need to spend and I feel like and and it's a good feeling ah to just uh know that you don't really need to get this these things so I save I end up saving more


so do you speaking of money


I didn't like waste like like I mean now we are like going to be now we are eighteen did you ever wonder like when five years back if there was anything you like you wish you knew now for saving money when it comes to ya


I wish I told myself that, a hundred dollars isn't as much as it seems because I think, five years back I will be like I have no idea like sec one maybe but like to me back then like, a hundred dollars would be like maybe from chinese new year or this kind of things it will be like


a lot to me because obviously as a as a thirteen-year-old like I will never have that much money in my possession so I will buy like things that now that I look back is uh waste of money ah like I should have saved the money


uh not even like besides five years ago like even like maybe like three years ago when I was working jobs I used to think like having like a few hundred dollars like maybe like three hundred dollars in my bank will be considered a lot and I will spend the money like


like the way I spend my money would be ridiculous because I would like buy it I would buy like clothings, and like drinks and I think I was like it was stupid because I used to spend money on cigarettes so like it wasn't really worth it then looking back I can spend the money on other things now where


ya basically I would just tell myself that I don't really I really don't need to spend like I would I I would have woke myself up and ya make myself realize that !hey! you don't actually have that much money don't spend it on this stuff


this unnecessary stuff so ya I wish I just knew that just keep the money you know just make it just save it


so are there any are there any like, good habits or like special like, you know like something that people may not know on like how we actually earn more money as a student like maybe like do you know anything about like investments or like stocks


ya because my friend has a like he plays with stocks and, like from what I see I don't really know much but from what I see it's like very fast because he's always like on his computer and as soon as something goes wrong like he will just pull out straight away just to run away with as much like as much as he can lah before he loses loses anything


so I but I think it's very complicated but I think it's a very cool way of like earning like money without really like doing much you know in, so is like something I would like to learn because he got his uh knowledge from a book which I think is quite admirable because I think that uh it takes effort to read up on this kind of topics and ya and actually apply it and you can get money from it


so or would you wanna go first okay okay I'll I'll go first I'll go first


so uh, do you want to share with me a time where you felt trapped or helpless


I think the times where I felt trapped or helpless would be


(hmm), I think it would be studies as well cause I in secondary four I was I was from normal academic so I was like struggling, but I mean like I was like despite me like not being too like concerned about grades like I knew that if I just got into a poly or like a higher nitec course I'll be like satisfied but


I think my grades are so bad that I couldn't really go to anything decent so I would just I was stressed out and uh it was during the n-level period and also like ya after the n-levels I went to sec five because that was the most like logical option for me but, uh so in secondary five you have to take O level so the O level period was like the most like helpless and trapped experience for me because my mom


would like force me to like study relentlessly so like let's say I was like studying something that, like let's say I did it for two hours but and I wanted to take a break my mum will like scold me and like stressed me out uh to a point where she will shout she will literally shout at me everyday and like I felt like I was fighting every day to like


to like have a have a moment of peace so it was very stressful ah like I felt I really I literally felt like helpless because I knew that no matter what I did I will not like satisfy my mum so, so it was like it's like it felt like a bit like what what what what am I supposed to do because I cannot I cannot like have fun I cannot take a break I'm doing work but I also cannot take a break because she will scold me then she will use to compare me to other people so uh that will like bother me a lot because to me it's like


I I was already during my best and yet she wanted to like you know make it seem like my best wasn't enough so it was a very stressful time period but I'm just glad that I I managed to uh get into a poly ah, ya and at the end of the day it's like


ya it was just a stressful very stressful period but I now now that I am in poly I'm just glad that she doesn't step in to to take things into her own hands ah


ya I've been, look down by people because uh like I said before I used to be very skinny for, ya and uh, people will look down on uh okay so not just skinny but I think I weighed ya just skinny and people will look down at me because like ya I look like


ridiculously skinny so people will make fun and remarks of my like my built and like uh in, I think back then them the things that like the things that like would trigger me the most or like affect me the most where I felt the most looked down on was this year when I eh no sorry not this year last year when I started gymming


like very like literally just started I think like maybe like just the first or second session uh this this dude this guy in my class would come to me as as a joke ah he think he would think it's funny but he will come to me and like say like !hey! like what like, oh imagine him


I'm trying to walk he would lose balance like and then he will like mimic like he would make fun of my legs lah he was basically just trying to say that, my legs were so skinny that I couldn't balance then I was so upset because firstly I remember that day I wasn't even talking to him he was just talking to my friend who was training me and I was just so annoyed because like !hey! I'm like I I was like ya that's I was thinking to myself like


yo that's that's why I'm if that's why I'm I'm at the gym at the first place so like you know you are not really helping but then, I just took all of that in and I like it made me want to like train even harder ah and it's a funny story because uh, now I reached a point where my strength is like considered strong for my size that I'm like he would he like recently came to like tell me ah like !hey! actually it's quite impressive what you're doing now uh like you know he would like compliment me ah and it's like


it's like quite like a good feeling to have lor to prove like !hey! I proved this guy wrong like in fact I would say that, ya I'm I'm I'm as strong as him so it's like a good feeling ah


so uh what are the what are the


do you have a pet that you that you love then lost, I had a dog and uh he was with us for about, eleven years I I think but uh it's like a sad story because


he I think for the first maybe like four five cause he we got him when we I was super young like maybe like three years old and I think back then we were still living in like a big house so like we had space to actually let him run around so this dog of mine he was like it's it actually wasn't really mine I didn't choose him but


but either ways ya he was just able to run around and get space like and he was well taken care of ah for like maybe like the first five years of his life because my parents have like more energy and, they will bring out on walks more often and I was obviously I was too young ah to actually like develop habits of like taking care of a dog then my bro my brother like didn't really do much


so it was my parents' like responsibility in a way, but then uh as we moved to a different house uh with less space uh we had to put him in like the toilet because he was never like toilet-trained so like he would like just go off anywhere you know but ya that was the reason why he was so the sad part about this was that


for like a good five years we didn't really take him out on walks because like, he was like no one ever took the initiative to like it felt like we had like a decoration more than a pet so it was like a very like, very like it was just it didn't feel right and I will always feel bad deep down so


I think I think one day I just like like like, I think one day I just decided to try to give this pet like uh more love ah or like more like attention so I will try to bring it out on walks and stuff but I realize that his foot actually had like a


some sort of a growth or like a lump I not sure but it seemed like he couldn't walk properly and I was noticing like he was like his health are declining as he got older so, eventually right the weird the sad part of this story is about this story is that despite him like living this kind of like a closeted life for like his last six years uh the thing about him is that I didn't know because because one day I woke


up and he was he was gone from my house and the thing is that I didn't know where he went, and my parents told me that he had passed on which was like okay I I I took it in lah I felt like oh he was in a better place but the funny thing is that I discovered he was actually in SPCA like the whole and I I only discovered it through like my friend because I was telling my friend


about it and she was like !hey! isn't this your dog and she sent me like a picture of like like this no it wasn't no she didn't even say like isn't this your dog she just sent me a picture of a dog from facebook's SPCA page and uh, ya it was in and I was like where did you find this picture of course that's my dog and she was like


she was like oh uh I was just looking at uh their facebook lah but I didn't even know that this is your dog are you serious then I was like ya I'm very sure because there are so many things I recognized so I went to ask my parents and it and they informed like the story of him passing away it became like, uh oh we sent him to the doctors


but the thing is that I was reading the story on the SPCA page and they said that they found the dog in a car park wandering alone, near my blog like near an near a block near my avenue and I was very confused because like that make no that makes no sense like the story didn't add up so I I go and ask my pants again and they told me like they they like told me like no we sent it to a doctor I don't know why the stories say that so up to now I don't really have closure because


I have no idea why I don't really know exactly what happened to him but I do know that he's in a, he last seen lah like maybe like last year last seen he was in a in a vet vet home, so that was the only thing I know but I do not know why where is he now I don't know if he's adopted or he's been put to sleep or like just passed on so like honestly that pet of mine that I had for like a good eleven twelve years I do not know where he is or or what like I I just don't know anything ah so there's like no closure


which honestly speaking I'm just gonna let time pass on and assume that, like eventually obviously when it's like been long enough I'm just gonna know that he has died lah but uh that's the only closure I think I will see myself getting so I think deep down I'll I feel like quite bad about it because


like I grew up with it like with the dog being in the toilet and stuff like, so I use I grew up thinking it was normal until I started to like you know go to other people houses and I'm like !hey! actually their dog seems quite happy ah why is mine in the toilet send that's when I started to like try to be more like active in like getting my parents to like let him out and stuff but they weren't really


helping me lah so, I feel bad about it lah and I think I mean it's not much of a compensation but, one thing I would like to do his own like a dog of a similar bread, not even similar breed the exact same breed actually and like take good care of it lah and give it like a nice life so like


uh I can like in a way like oh compensate you know like for something that like you know when I'm older obviously like how I take care of the dog is more of in my control rather than me being like a secondary school student you know so, like ya lah that's like one way I would like to make up for it but ya that is a pet that I love but I didn't get a chance to take care of properly and I was lost and I don't really know happen but ya that's the story of the dog


ya


that's a good question ah hate I okay okay I think I hate people, who, I wouldn't I don't know how to exactly phrase it for me what I


I think is hate but I don't think is also the right word but I hate people who don't respect themselves or like I hate people who don't, put themselves first or like just don't value things that should be valued or respect other people lah I hate people who ya I hate people who don't respect people


and I hate people who think they're entitled to things it could be anything and I just hate people that don't put themselves first uh for the people that don't put themselves first actually I wouldn't say is hate I would just say it's more of like annoyed because like, like you should just you should just be really you should just like put yourself first lah I think it's more of like annoyance like getting being annoyed that they're not they're not putting themselves first rather than like


rather than like you know like doing things out of their way to like make themself feel better but it's not really helpful but I don't think that's hate lah but for people who feel entitled or like people who feel like that, who don't respect others I think that is just the most like uh disgusting thing in the world ah and I experienced that a lot growing up because obviously being like somebody who wasn't like


very like you know like for my build as a young skinny kid like I wasn't really getting respect like I was being treated differently just because of like the way I was I think that's like the most annoying thing on earth because I was literally like, born that way so I couldn't be nothing could have been done to like actually make people like me more except like if I went to gym ah and I looking back at it right it's like


uh I wish that they had like treated me like, like everybody else lah despite me being like uh build that way and uh ya I wish it was that I wish that that was the case lah but it wasn't so like I have a hatred for like people who don't respect people and like treat people differently on the way they look that's why I hate like things


that that's why I hate it when I see in my friends or family when they say remarks, based on like or judge or make judgement judgements based on like uh people's looks or background or anything uh that's why I'm a very I would say I'm a very open


guy in the sense that I I will literally like I will be friends with anyone lah as long as I think that they're decent person


I see I get it ya that ya it's a pain, uh is there anything that you believe in when you were younger but not anymore and like why


I think that I


when you say that happiness won't like happiness in a moment won't make you happy in the long run I would say that what you're saying I agree with you but like I think is the decision of like, I think it's more of like the knowledge of like !hey! I know that deep down I know this this won't make me happy so you find something else to get


so you find something else that puts you in a better mood, but you know that it won't affect you in your life like I think is the think the knowledge of knowing that like !hey! I'm not gonna get affected by this if I do this


that thing that like might give me like temporary happiness because there there are many vices in this world like cigarettes and drugs gambling these kind of things that people maybe like !hey! this has given me joy for my terrible life but I think is like


the like the consciousness of like knowing like !hey! this isn't isn't gonna keep me happy in the long run I think it's the know the , it's just the acknowledgment of like knowing that it won't make you happy forever that and doing something that will actually make you happy forever like is that knowledge


I I wasn't referring to like I wasn't specifically trying to say vices I was more of trying to say that fixing the problem rather than finding temporary solutions and vices was just an example


I I actually can so at uh when I was secondary three uh I was like, those that was the best year of my life so that was like four years ago I made new friends because, my old friends were not clicking well with me so I fell out with them so I think I had to get like I didn't had to get but I just mix around with new friends I click well with and it was fun lah but it was also a stupid year of my life


because I manage I got into like dumb dumb things I I I I was uh I was getting into, uh people with who were in gangs but I didn't actually get into the gangs myself but it was just a bad influence but I took what was whatever I could take from it like the best of it and just have fun so


uh that ya I was the year I actually started like smoking sneaking out of the house you know going to bars and clubs but uh it was uh it may have been a toxic or like a , very unhealthy lifestyle for someone of the age of like uh fifteen to have but


back then it was it seemed very fun and actually it looking back now it was still very fun uh but ya uh that was the best days of my life because I will do things like sneak out at like three AM and cycle around singapore and watch the sunset I mean sunrise I mean and I think to me back then it was


like a big deal to sneak out because my parents are always like restrictive so you know to like be cycling around, in the late in like the early mornings to to go out with friends eat uh you know watch sunrise go and have a cigarette this kind of things and doing it like behind my strict parents back you know it was like very thrilling very fun like very young it was it was just fun lah and


ya it was the best time of my life because I don't think I've ever felt that free, so ya I would say that that was like very memorable because it was a year I started to do stuff that I never thought I will do when I was younger before that


what about you Yee-Shi


I see I see I don't travel a lot I don't have that like I never done that so I only been to london and paris when I was primary six so that was like I think twelve years old but I don't really remember much because that was six years ago for me


but it was memorable lah I got to climb the eiffel tower and it's quite nice it was something I never done before and I haven't done since like I haven't been out of singapore, ever since then and that was my first time too so it was like technically as of now it was my first and last time going overseas so ya memorable


uh do you have a do you have any do you have any things that you want to do before you die like this sort of life like any goals what are what are your dreams to achieve


what really what what like why


what kind of do you have any uh mountain that you you wish to climb like any mountain in mind, oh !wow! how ah


okay okay uh for me my my dream before I die is uh, like I want to be strong like I want to be physically strong, before I die because it's a dream of mine it's like I was watching this interview about a bodybuilder and he said that his uh his only fear in life is that he dies skinny or die weak and to me that's like


I relate to that lah because I I don't want to I want to like for me I want to reach like my full capabilities like physically before I before I actually like, like die ah and I think it's just like quite I think that's a goal that I really want to reach and that's something that has always like


gave me like a purpose in life ah even though it's not like (ppc) even though is sorry even though it's not like a very, uh , it may not be like a very like crucial goal to others like some people are content with what they can do


but to me it's like once I have a taste of like progress physically I never like want to stop so I think it's something that I always hunger for more and like it gives me like, uh it teaches me things along the way ah when like I've learnt like to always trust the process always and also learn that progress comes by slow


uh ya and it's not always like a constant speed of progress it can be fast at the beginning but slow down at the start I mean at the end so I think ya it's a goal dream of mine lah to be strong, that's it, I I will


I was actually about to ask that but uh I would say , it's those uh apple granola bars I had I have no idea what's the brand name I think


I, ya I know that it was the brand name but but apple granola bars like the crunchy ones those remind me of like, ya they remind me of when like my mom will like send me to primary school and then she will wait for me at the canteen but I didn't want her to leave so so like as a comforting


act she would like buy those for me from the snack store and then like give it to me and then I will just be left alone at the table ya I'll be left alone at the table just eating my bars and then like ya it was like it's quite a it's like a memory that, I've always held on to for some reason even though it's not like significant but it's always been like I think I would say like it was like


me and my mom are not very close so good moments are very rare to me so I think any like good moment or wholesome moment or like any sweet moments in general are something are things that will always stick in my brain


so like ya it's like it's a nice ya that snack reminds me of good times


I see so uh what are your favorite things to do in life like what do you love about life


like just you know but basically what do you what what are you are you glad like I don't know it's maybe it's a good thing every once in a while to think about the things you should be thankful for


I see okay ya that's great that's nice uh I'm just very grateful that I have had friends who are always who are who are always on the same page as me ah in terms of


life itself I would say like like all my my circle of friends we have exactly, if not exactly super similar views on things that are quite controversial I I don't think it's uh I don't think it's do does any good to list it out but but ya in general I'm just glad that I have friends that


uh uh, good influences [loh] to what I already believed in and they hold me down every time I'm , going through stuff so I think it's quite good that I I was just blessed with like a like a group of friends


whose dynamics are like a strong support system for me so is very like honestly very lucky for me I think that without them I would be not myself today so it's quite good quite good uh ya I think life itself is just


that's the good thing to be thankful for ah for the people and I think another thing to be thankful for would be the fact that I met good people in poly because they were the ones that start helped me get started on like


uh fitness lifestyle because I was super super skinny back in, uh last year two thousand nineteen uh before april so when school first started in april which is uh year one in polytechnic I was like I was the smallest guy in the class so I felt like very like


like very left out I always felt like the runt of the litter because, I was just simply the smallest so I felt bad lah and I just remember that asking the biggest guy in the class one day and I just said like !hey! you're huge can you like train me to be like strong or like big and then he told me he was so nice about it so he was just like okay let's start tomorrow and ever since then I not look back it gave me like a purpose


it gave me like , a sense of confidence like nothing is impossible because to put it into perspective , in the beginning in the beginning things like like maybe like, a ten kilograms squat no lah or something like that would seem like hard


but then now I'm doing like numbers that are in the hundreds like like a hundred plus which back then last year I'm very sure that I thought was impossible for myself so it is something that is very motivating for me, like it's really something that is like !hey! I work hard for it and I got it and I know that I can get more if I just keep doing what I'm doing so is very ya and this kind of feelings this kind of feeling of satisfaction and like


like a sense of purpose in life is like the things that I'm very grateful for because it gives me like a joy ah to live, so I would say that's really the best thing about what I feel in life


ya is it is it is, , so uh do you have a do you have a fond memory to share with like a loved one


no it could be anyone me I would say, fond memories honestly speaking I would say is like the days back in sec four sec five because, those were the days where I was cause you know in secondary school you get to see them you see your closest friends everyday and like


it was like literally like the best days of my I think secondary school was just fun because I it was like seeing my best friends everyday and like everyday after school I would like go out you know sing karaoke or like eat and it was like it was just fun lah it was just simple simple days ah but now that we are we have graduated from that


it's very hard to see them so often like we do meet up once in a while but it's not the same ah compared to seeing them like five days a week for like a year so, ya I will just say that every day in secondary school was my most memorable I think but to be specific I think with the the best parts were when I used to


honestly speaking I think it will be like uh physical education class because, like we will play sports like I think captain's ball and it was that was all this one guy his name was daniel, we will like take the ball and like side like we will like we will pretend to slammed it in his face it was like uh it was very mean but it was just very funny to get his reaction every time and like those kind of moments like like everyone will laugh you know it's like something that you don't really get anymore especially for poly


like in my poly uh we don't even get to do sports so like if like it's uh even though I am in the sports course I don't even get into sports so it's quite ridiculous to me ah so this kind of memories like, I will look back and I'll be like !hey! like ya those were some good times


that's good that is good you got a anchor like a friend who will anchors you down that's good but uh ya that's good that's good, so do you have a, do you have a do you have a time where you experience personal growth where you were like !hey! I'm gonna I I'm I'm like I'm I'm I'm gonna grow better from this experience like have you ever felt that in a moment


sorry what quarantine


I I see I see that's actually that's I'm just glad that you managed to snap out of it, but I would say my personal growth, was a process it was there was never anything too significant that like woke me up instantly it was always just a process of bad and good things that happened over the years but nothing too life-changing for me


uh but ya I mean everything that everything bad happened everything that has happened to me I always found the lesson in it as fast as I could and just take it and just move on and just like apply it similar situation so that's why I've been dealing with things


quite well I would say putting myself first and everything I would say that I will just grew up ah by simply not repeating the same mistakes more than necessary, and there was and it worked out really well because I like where I am now and I'll I'm so glad I've raised who I am now without having to trade anything too


uh damaging in a way so I would say that's that's that's how I grew and how I learned to be better


okay uh so brandon how do you invest your money to accumulate wealth and uh planning for your retirement


uh I'll go for bond investment in the future for retirement so I will, shift money from, my special account out before I before I turn fifty-five so that my retirement account can get more funds from my ordinary account to


maximize my returns lah so and I get my retirement account then I will transfer my money back to my special account to get the four percent interest


I think that it'll be more reliable to get uh financial planner, because they will have more knowledge and experience with handling customers of across all backgrounds ah so they should have a better


how to say ah like they will have a they have better, choices for you ah in case cause if you do yourself right you might miss certain points or like you misunderstand some things ah I mean like they are professionals unit so you can trust them lor


and I feel that unless I have a strong ground of saving and understand and like controlling my spending I wouldn't get a credit card in case I spend I get the bank overdraft and I will be unable to


pay the bank back whichever amount that I spent lah and credit card debt would be bad on me financially and the interest is high so unless I have like, uh a well-balanced spending habit then if not I wouldn't get a credit card lah cause it's dangerous to have too much credit card debt so would you what so will you still get a credit card


uh that sounds cool I think I will read more into that


no ah I won't, ya I mean like I would opt for some passive income so besides my, current job I will take up some ad-hoc work or like do some dropshipping so that I can earn passive income


via sales lah cause, I would like to maximize the amount of money that I can earn ya how about yourself


I feel that I have improved on my spending habits ah like I used to be more spendthrift where, and I just got my first job and stuff lah but now I've learnt the importance of savings for the future ah so that I mean with more money in my bank I'll go I can get interest and I'll be able to invest more in the future ah and like same ah I'll also go for budget options like ya


ya definitely like whenever I get my income, I will save a portion a specific portion of it perhaps like ten percent fifteen percent reserved for savings that I wouldn't touch ah


ya so my plan is right to actually have a fixed amount of, percentage of my total income per month so that in a year I can save a decent amount of money ah including the one that the government takes into my CPF so including the cash that I have on hand plus my CPF I will make sure that I have


a reasonable amount for myself uh to carry on I have, even planned when I would retire but I would like to retire earlier than the average I guess so that I will be able to enjoy my retirement, life with the funds that I've saved ah


!huh!


if I do bond investment then yes because if not the CPF will take my the money from my special account and only release approximately


one k plus to me every month after I turn sixty-five even though I can withdraw cash from my ordinary account and my special account but the interest rate will be low for my ordinary account because it'll be two point five percent, but right like


if I have a house next, time under my name I will be able to pledge my house so, like ya then I can lower my my retirement account from the average to the ninety something


K one so lesser of my funds will be in a shared pool with other singaporeans so I can maximise recharge our CPF lah ya, what do you feel about CPF


from past jobs, that were related to the industry ah


for a big-ticket spendings I will, (uh huh), I will advise you to paste them according to priority so it depends on which big ticket expenditure that you want to in ah for example if you want a car first or a family first let's say for instance you want a car first you have to pay for your car the loans and all the


necessary payment lah I would advise you to save up more for your car first since it has a high priority than starting a family for you or you can also consult a financial planner to get some insurance for your car also so to save on costs


in case there's damages to your car so you can save on the amount also like there's actually a lot of thought to be put into financial planning so I feel that it would be best to consult someone who specialized in it lah in case of any


wrong steps that will cause you to lose a sum of money that you could have saved lah, how do you think that's like alright or do you have any other ideas too


that's interesting I think that I


would read more into it and might actually do it for myself because it sounds pretty nice to I mean like so the money will be kept safe aside from my spendings lah


since I'm on a holiday I'm I will mostly spend it on outings with my friends, so such as like food maybe transport once in awhile if I decide to take a cab I have stopped shopping for, goods on the higher end so I'm settling for lesser now lah so I'm saving on that side for my clothings and necessary but I would say that most of my money spent on food lah when I go out ya


I will say that sometimes I would spend too much on food unnecessarily like even though we are full but we'll still go and eat extra, for the sake of eating and, it's like very unhealthy ah for both my financial and my health I mean like ya that could be saved but if I had


more control over my own spendings ah I which I will work on ya, how how are your spending money spending habits during the holidays


oh


that's nice


five years back, oh ya definitely when, I was in my secondary school days I will actually spend more money on


merchandise from my favourite band which I think is very unnecessary ah now but I would actually I didn't get a lot of pocket money but I will spend majority on it of it on the merchandise because I was a really big fan lah but it will but


I was still doing side business so I guess that's good cause I learned how to do some sales amidst the, I sold clothing accessories and merchandise also online so I got some income from that ah and I was still young so I it really helped me to get a slight understanding of the business world lah because we don't learn that in school


but ya I would have told my the five years ago me to spend lesser on the merchandise lah cause I really, spent a lot on it ya how about you


I mean students can play around with the stock market as of now with less like, maybe a few hundred or two that you'll still be able to see growth ah or losses but I feel that they should get a good understanding of the stock markets before testing of waters even


definitely


negative experience okay uh okay can you can ask first oh okay okay


I felt helpless during like sec four prelims it was when my grades actually deproved right before the o-levels and it was


at the stage where I couldn't even enter poly lah so I was really stressed and I felt so helpless because despite studying I still didn't get the results that I wanted lah so, I actually broke down and took a break from school to recollect myself before continuing the journey so that was when I


felt helpless lah but I made that in the end lah so I'm happy for myself ya how about you


whether you have been looked down upon by people in your


I would say that it was when I was sec three where to sec four because


I came from a school with integrated program so everybody didn't have to take o-levels but I drop through into the o-level class though which is the only o-level class in the entire school so my batch mates would look down on me


and like I wouldn't be offered leadership bureaus because just because I was in o-level class lah which, I feel that is unfair because your grade shouldn't define your leadership skill ah but it definitely reflects on your responsibility but ya it was just


something different and odd for the students in the school lah cause everyone else was in the integrated program, so I would say that was the period I was looked down the most ah


uh no I do not how about you


I see thanks for sharing , what kind of person do you hate the most


okay uh, for myself I feel that I will dislike people who are, rude when they, despise others I don't like when people despise others like personally when I wasn't scoring well in school I was actually placed next to students who are like the top in class and stuff but they are very selfish and they despised to me and the other students who scored


badly because they think that they're superior ah I don't like the elitist mindset that they have I feel that they should be more than willing to share their knowledge to actually help others rather than to keep it to themselves because it's very selfish


like I don't think it's right for you to despise your peers especially at such a young age in, in school because at the end of the day sharing your I feel that sharing your knowledge is the best lah you won't gain anything from hiding it from me


and like there's a reason why you're put next to me right, like ya I really dislike it when they're selfish about this kind of things lah is the elitist mindset that I cannot see through


I believed in this thing, whereby, it's like as long as you're happy it's okay because as I grew up I found out that there are a lot of consequences to actions and it's not what I feel in the moment that matters is how it will affect me in the long run because happiness can be a temporary


feeling so I shouldn't just base like make choices or decision based on happiness because I have to take, other aspects into factors and, like happiness is important, but only happiness will not make me happy in the long


run like I have to work, I have to work on sustainability of other aspects and, like, ya like I mean as I grew up I had more experiences that really showed


that more things do matter ah I cannot, just and it can't be just based on my own happiness I have to think about my peers and my family about the decisions that I make lah so ya that's one thing that I believed when I was younger but not anymore


I wasn't referring to vices I meant like example I want to go for, a massage I would pay let's say fifty dollars for it right I'll obviously be happy and enjoy the thing lah but at the end of the day it's a need I mean it's a want not a need so like I could have spent the money elsewhere wisely more wisely so I mean like that type of temporary happiness lah I wasn't referring to anything so drastic because


that's a different weightage of things


part two positive experience okay, uh could you share with me what was some memorable moments during your younger days


okay okay


oh that's nice


a memorable moment for me will be back in maybe twenty sixteen year end I went to finland with my family and it was a really memorable trip for me because I loved winter and it was just winter wonderland for me every single day there, like it was during the end of the year so in the


it was at the arctic circle so the sun will only rise, in the afternoon it would it would set very early so we only had a few hours of sunlight everyday and it was just really beautiful everyday and I had a good time there with my family I got to see the northern lights I got to


ride sledges with huskies and I also got, to meet a lot of nice locals from there as well as tourists lah so it was, a very memorable, holiday for me I mean like I I like to travel so


so I would say that memorable, moments from my younger days will be when I travel with my family, because now COVID so we can't travel lah but like ya I enjoy traveling a lot so every trip is a good memory for me ya


(mmhmm) oh that's nice


I have a dream of visiting all continents and I am six out of seven there lah so


I wish to visit antarctica before anything unlucky happens to me, and I also want to climb a mountain I want to go


like game but it's an experience I feel that climbing a mountain takes a lot of perseverance and mental strength because I mean, some mountains are really high so the, air is really thin at higher altitudes and it will be difficult to be physical ah ya so and I have never climbed the


mountain cause ya I've never climbed the mountain so I want to climb a mountain, but I I I there there just there just walk like if I have the chance to lah if not any mountain probably hopefully is snow caps that will be nice snow caps


snow snow no no mountain white on top white colour one, snow cap yes, and I want a pet dog


that's nice hope you achieve it nice


so what was your favourite childhood food, or snack twinsies


oh the green colour one I also don't know


that's life very naive


that's rather wholesome, for me I will say that I like


push pops are they called push pops the strawberry flavored push pops a lot because after I came back from school my, aunt will always buy those for me lah and it, was it's really nice and just reminds me of the sweeter times that I had in, the school ya


!whoa! okay oh I I mean


I mean every day I will remind myself what I should be grateful for lah like my family and even the, the my, accommodation food and stuff and the close friends that I have lah, but I would say I love it, when I live life with the flows


like when I shut the, uh negative experiences, and push myself to achieve the best, so I felt like, really good about myself last year when I was working because it felt like I woke up every day to, achieve more goals


and earn more, money even though it's a bit materialistic but like I felt, like I finally have the capability to treat my parents like I return something to them, in terms of money lah cause they've been, providing for me so much and I also love


that I have people, who I can trust like my, close friends whom they make me feel loved and I'm very thankful for that, because it will be a bit harsh, to leave the world alone lah


with your thoughts as shit what what do you love about life


that's nice it is


would you like to share first ya


uh I would say that also in my sec three ah


someone I met someone who I didn't think that I will ever get close to and we ended up becoming really really good friends and, just every every outing with that person is a good it's a fond memory to me lah cause we always genuinely have fun and it's very scary how much we can relate and understand each other on like she always be there for me and vice versa lah and


it's just like we really support each other all the way and it's just really fun lor cause we don't keep anything from each other we are super transparent lah and even though when times get tough, we won't back away or whatever


oh I did lah especially from this year because the


I was facing some personal problems at the start of the year and then COVID came where it really took a toll on me because we were basically quarantine, time at home every day quarantine I quarantine quarantine at home


every day and it was just really tough for me because I'm the type to go out every day so it was very suffocating ah but it gave me a lot of time to reflect on my past mistakes in recent years and I was really able to reflect and


it got me, thinking how I could change for the better lah so I would say that I had a lot of personal growth this year especially as well as when I was sec four it was the times where I really had to put settle myself down and get my shit together


will collect better, lah uh how about you


mine's just same, like , I currently have like two E savings accounts under POSB so like to separate my spendings and my savings, so like


there's like a preset monthly saving account so like I have to save like, I think a minimum of five hundred within the account or else you will get shutdown, uh, ya but it's, ya in my savings account under POSB, I mean it's safe lah so it's like you just


like that's a pre-save monthly savings account so it's like you can save within any amount but it just has to be minimum five hundred, within twenty-one if I'm not wrong within twenty, twenty-one years old by twenty-one years old you should have five hundred minimum in your bank, okay


think I started it when I was sixteen or eighteen, so like cause I, previously shared the POSB kids account with my mom and I closed down the account then I made a new one for my own uh savings


but like technically it was like, my old savings account into a new savings account so, I had, the preset already, I kind of like it because like


I you know lah I cannot spend, I I I have a tendency to spend whatever I have on hand so like if I save it in my bank then I I see the money, keeps on increasing then like I'll be more tempted to save, so it's good motivation ya can can can


can lah but I choose not to, because savings is also like at one point of time you have to take it out what


it sounds reasonable but then it's like, cause I feel like savings is like, you keep money then it's like when you really need it then you can just take it out you know, then is like like if you say like take out within like a certain


age, then is like what if you desperately need the money but like before you reach that age so it's like


okay so like with my, with my spendings account I also have like a DBS Visa debit, uh ya and, I mean the features of it is quite nice


like cause like, three dollars cashback on online food delivery three dollars cashback on local support ya, foreign currency spend and then like local Visa contactless spend, but then again you have to , spend minimum five hundred on visa


and then you have to keep your cash withdrawals to four hundred dollars and then like we're students when are we going to spend five hundred dollars, right, and then and like in the same month eh, the same month ya so it's like


debit is good cause like contactless then like, I don't, I don't have to like stress with the cash, cause I very klutz cause like, very like you know when you hold large amounts of money then then like very


, panicky cause like, if, you like you, , pay with a large amount then like the money is like everywhere, then like if you are holding a queue behind you


net show they didn't show on the thing


uh but do you think couples should combine their finances, and open a joint account if you have a joint account with your partner share your experience and the details of your joint account


so your joint fund is for things that you all do together


I don't know for me I feel like, couples shouldn't, open a joint account, cause it's like very, confusing ah it's like


okay but like if you put that, dates and like couple things aside right, it's like, the loss of financial independence, so it's like I don't know if like, you will open a joint account and then have your own like separate private account


cause then, if like that I will agree lah joint account is better lah, for couples, but if it's like you close all your accounts and then like you share one account only, then it's like, financial independence gone ah


it's really confusing and like very messy but like, I I read on I read online that couples actually do that, like, they share one bank account together then like that's their main source of


ya but it's so weird because like okay if, like touch wood lah, like uh the couple are is no longer together then like you share like one, joint fund then like the money how you gonna split, like


you all won't agree I don't know if you all agree like half half is better lah, but like you would think like it's a couple then you be like half half cause like


they say like communication is like very important, cause like, you don't want to be keeping like financial secrets from each other lah especially when it's a joint account


I think like the legal age in singapore to get a bank account on your own is like sixteen right, so I guess, I mean the, the how to say ah, the eligibility is one thing but also like your parents whether they like give you


the, like whether they trust you enough to have your own bank account, right ya oh my god fourteen that's so young what when you can't


ah shrug this one must be rich


I think I survive on fifty per month eh, that's like two dollars a day


sixteen will be sec four


ya then they can learn how to save, like allocate your money efficiently


games what games do you buy


but it's okay cause it's under spendings


but then why not give you an ATM card so like they can learn, how to like manage your money, like you know cause you said like your brothers also like if they got fifty dollar then like they all spending on a lot of things right so it's like we give them ATM card then is like


it encourages saving also


!huh! you can loan ATM, but credit card you need to be eighteen what


and then if debit you need sixteen, !wah! that one is messed up I don't know who dare !wah! I wouldn't dare I wouldn't dare


like even my ATM card I don't hold it eh, err


I mean no because, because still under government what so like got no student loan for me


no it's not that deep


it's like one would be like when, I'm sleeping like having a nice sleep, okay uh my biggest pet peeve would be , people gatekeeping I don't know if gatekeeping is a correct term but like


when people gatekeep, , or like okay I have this friend I mean, you know this you know this friend like we talk about it, !wah! like !wow! so agitating, then it's like


!huh! you no cause I have like this close friend I mean, ya I have this close friend then is like she has like a best friend but then it's like, the bestfriend is like very controlling of my, friend and then


it's so annoying because like why why won't you let, her be her own person like, why are you restricting, her friend circle, to just you, and then it's like especially was when like


when she could when like , how to say ah she like, very inconsiderate of her feelings, something like that it's like, you want to be the best friend but you also like


don't want to let her, like you also like ignorant of her feelings lah then it's like


!wah! I hate people like that, like do you want an award, for that I don't know, uh what is the motive of


how about asking the guy to just keep quiet and don't talk, it's basic knowledge right is like when you have nothing nice to say don't say so is like


you know on this note of objectifying women type of thing right, until now I was reading my literature notes and then it's like the main theme right is like a woman lah because


like in the book uh, the woman are like seen to be like caregivers to the males then I was like think and then it's like they're like portrayed as like, , people that needed protection from the world then is like


why like what is it about, women that needs protecting from, men, when we need to protect ourselves from men


if look dumb but like they must, eat beef, I don't know how to say like they must keep like something like subliminal like got hidden meaning that type of, thing eh ya I guess but like if not wait wait hold on


but it's like I feel anything about it lah cause like I feel like it's also true but I also like, I don't know if it's like, me not caring anymore, like it got to a point where I just don't care already so it's like, whatever you want say just say like I don't care already lah, that kind of thing uh I mean I don't mind sharing but uh you know it's it's not personal okay cause you know I've been having uh okay


like my results in economics is like damn bad like really bad then it's like I have this one friend like he's, my seatmate and like he, I mean his marks are quite good ah like, I mean that's what, I like about him I guess cause


it's like he can teach me and then it's like uh but like, uh he got this tendency to like make fun of all of us, so it's like I cannot like it's like getting roasted, but I guess ya it's like I also don't mind ah cause like it's true


I don't know it's like I just don't care anymore you know it's like I don't I don't, feel like hurt about it it's just like, ya facts, okay move on you know that kind of thing like I just, I don't like to think about it cause like, I don't want to think about it what's the point what like, it's not gonna do me any good it's not like the more I think about it my results will change right so it's like I I have to work hard on it ah like on my own you know


is it an old flame, your your first best friend, oh my god eh but she looks like she's doing well


literally no better


and she was your own best friend that


ants are attracted to sugar I don't know what she was expecting she, she was like consuming a different type of sugar


in general for me is like when people put me on those, people uh like, when I somehow am in attention, like, when people put me in the attention of others, then it's like so awkward then it's like, I don't know why because like I hate


if anything like I hate, being, like having a spotlight on me that type of thing like you know when the attention's on you, ya I don't, know it's like so awkward cause like I, cannot ah it's like cause , I still remember in primary school like you know when they had like those people come to your school like for assembly that type of thing


ya so it's like I, was just sitting down there minding my business and then like the lady she like made like she forced me to go up on stage to like, do some I don't know like to do the thing ah !wah! and then it's like I got it's like, so bad and then cause you know I was in violin CCA in primary school I think we got performance all it got so bad


like, I keep on messing up my performances because of that single incident, so it's like if I was I don't know it was so bad cause I couldn't, stand it what it's like so awkward then it's like, like I hate


especially when in primary school cause primary school also I haven't, even like fully mature then is like I don't know how to like, be controlled be in control of my own, feelings and emotion that type of thing, so it's like so I don't know ah it's like damn


I don't know if traumatising is a good word do you to advise, it's like whenever I, like I can't I cannot go on, stage, without thinking about that incident, and that incident is like eight years ago eh and until now if I can still remember it's like


oh ah I can't take, you know that time ah you know our school there there the path from the school to west mall the walkway, then you know before that got no shelter right, so it's like it was raining then like got that metal plating on the drain


!wah! I still remember when I slipped and fell and then , me and my old friends partner you know the old group !wah! they laughed at me sia they laughed at me sia instead of help me out eh then I just sit there like one clown like that and then


got other people behind me like looking !wah! it's damn embarrassing, , but now I think about it it's like, I fell, so like they made shelters for it they have shelters now eh


for mine like I think a main injustice is like, !huh!, I mean it's like the racism but more for the females like cause you see, uh wait like, uh within religion cause like okay you know like muslims like they have to wear the hijab and all right


and then it's like, some people wear it because they want to wear it some people wear it cause like they are forced to by their, parents ah so it's like, if like their parents force that one cannot be helped but like for those who willingly wear it that doesn't show any sign of oppression right but then it's like people call it like people just generalise it like as like oppression then it's like


why can't you understand that maybe like, some people actually want to wear it you know, it's like, then it's like you know, ya, and then okay then okay uh then like for instance okay christians I don't know


we take christians as a whole like you know the nuns they wear like the headpiece thing, ya I mean like , ya the headgear thing then it's like people don't call it uh oppression or anything like they just call it like, religion then it's like same thing as hijabs ah it's also under religion what so why are we get why are we being


like labelled as oppressed, and then like, other religions are like oh it's just for, religious purposes, so it doesn't make sense lah it's like, don't let your underlying hate for the religion


makes you speak nonsense lah you know, it's just not, you're not thinking straight you know like


how about recall a scene from a movie that made you cry in sadness, ah no I haven't watch train to Busan yet


later he just spoil just spoil just spoil, that's why that's why yes talk about it no just for ya no but wait hold on I don't know what oh I don't know what I cry about eh err I mean I don't have


any movies that I watch that made me cry honestly, it's more like I feel like


oh is it when uh is it the Hashira meeting, !huh! you cried at that


describe your favourite activity to unwind and relax, I start first ah okay so like my favourite activity, activity to do like to unwind and relax


would be to eat because like I get, scared to calm down and like enjoy the food without thinking about anything else, sashimi is like my favorite food, so it's ya I just like to eat Samyang ah I just like to eat Samyang I don't know I mean like cause


it's spicy so I think about nothing else just like the spice, ya, then like people keep on telling me I'm like so concentrated on my food, so it's like I tend to not, listen or like be aware of my surroundings when I eat, ya then like


I like to sleep also, has like, I'm not contrast so I can't, like you cannot experience something that you're not physically there you know, so it's like oh, what I am not there for is not


thing, I don't I don't get make sense by that


oh I watch finish also, but like I took like three days, I took three days, because I started it in the afternoon, and then err the next day I was sick so I watch like two episodes


playing with my friend makes me stressful, because like the betrayal that I get from them, like you know that time I was playing the UNO online right, like and then like my friends just, it's made me like you know the plus the card, so I ended up having twenty-two cards on my deck then like the rest are like all like seven-ish


oh I saw this cat video just now on Twitter, uh like the cat , I think I also on the ledge ah, wait uh I was lying down and then, no the white cat and then suddenly fell down you know from level two


eh your friend's cat damn cute


one thing that make me smile would be like, go on, someone buys me my favourite food like you know when I'm thinking, no it's like you don't understand it's like it's like I been thinking of something right, but like I don't buy it cause like


err, I'm too lazy to buy food, then it's like I'll either be thinking about it for days and then suddenly is like oh it's for dinner then it's like you know, happy, cause like I don't need to say anything, just manifested it you know


okay okay okay I make it positive uh, err, uh I guess like despite all the, bad experiences that I went through like I'm still here today I guess like I'm still


sorry what about you


uh describe the best movie or TV show you've ever seen and what do you like about it, okay I like twenty-two jump street, like no, okay you know that meme the my name is jeff meme right


on Twitter, ya okay so, I think I I don't know if I saw it on Twitter first or I watched it uh in the airplane, cause uh I told I forgot where I went, then like I was watching twenty-two jump street in the uh in the airplane then I couldn't stop laughing eh


like I think, like within the within like the first half an hour already laughing then I was like already like struggling to control my laughter, cause like if I laugh so loud in the plane then like public disturbance, but like it's very funny like I don't know makes me laugh lah go watch it's so fun I don't know


I don't know it's just like really funny like I just started laughing, I, I don't know is like the jokes are like damn, dumb that you will laugh


I don't know I just couldn't get into it, the minute I see the titans they are damn ugly then I just couldn't then I just stop


click off cause it was so annoying, it was it's so ugly like I cannot, stand it it's like I don't know I mean it depends


then you should watch another what another is like a horror but mystery anime, ya I like it I like it but it's damn but it's very graphic


feel like all the english horror movies like very bad but I watched oh you know I watched shutter, I recently watched shutter cause I was having night study but then that during that short break, I want to I went to watch shutter with my friend on Netflix and then we were in we were in the container classrooms like very secluded lah then it's like during hungry ghost festival !wah! I damn dumb mistake eh because err they got this one scene right where they show like


the mum the mum preserved the corpse of the child, !wah! I don't know that scene right somehow right I keep on thinking about it, then it's like I very paranoid, then cause, cause my friend that I watch with right, a few years ago he texted us lah he said like oh he encountered like some


mystical things at Tuas I don't know why he go to Tuas but he went to Tuas and, then it's like then because, we were sitting in a classroom then beside us is the window and then he said got something outside then my then I just look out I don't know why I was thinking of like


some more like, cleaner or something and then I forgot my friend told my, my friend told me the cleaners they leave school at four-thirty, so, was like I don't know what I was looking at then we went to the toilet right around seven plus right, !wah! then ah I ask my friend to follow me ah cause like I cannot


I keep on thinking about it then it's like damn weird, cause like, I don't mind horror I don't mind horror stories lah it's like you know I don't get spooked by them easily but this one really like hit a spot then, uh I was in a toilet I was, uh then he was waiting for me outside then he told me


I think got something following me, , like he texted it to me and then it's like it's like already Maghrib already you know, and then it's like, hungry ghost festival period


I think it's !huh! no but I'm okay it's you that's cutting off, I think you're cutting off again, you your video keep on


your audio is like stuck


are you okay like your WIFI okay, I don't know eh can, okay okay great okay great okay great, okay , okay never mind okay last question okay last question, what are the dreams and goals that you wish to achieve before you die


uh I want to do cliff diving, ya okay ya want to go cliff diving cause like okay, uh cause yesterday I had a twilight rerun then it's like uh


you know new moon like in the books where edward isabella jacob takes isabella on like cliff diving then it's like !wow! so fun I wanted to try that, and then it's like uh, uh I saw this picture on Instagram uh you


it's in australia like you can swim with the crocodiles or something like that, like it's like they pulled you ya, it's like they'll put you in this cylinder it's like transparent ah then it's like there's crocodiles all around you it's like gonna scream but also damn fun


so it's like I wanna I, I would I would really do that, I don't know I just I wanna try something fun try what ya I love rollercoaster but like not the not the three sixty one lah like the


the three sixty one I don't know if I can bring myself for, you want the three sixty one or the it's a battle star galactica right


it's a battle star galactica one right, that one don't know, I never go USS for like eleven years already


reminds me of the you know the Prudential carnival they got this one ride where they just launch you up, it's not three sixty oh yeah that three sixty one, !wah! I, I was going to try that and then I backed out cause I went to meet you all for dinner what


cause, I went with one of my friend then I meet you all for dinner, and then uh it was like that last ride before I left, then it's like !wah! I look so fun then I was like okay let me try and then as I sitting down I was like backing out because it's like


no I don't mind try I just seeing the crocodile it's just, being in there I didn't have to like, turn my intestines all around you know, okay but like what is your, dreams and goals that you wish to achieve


what would be your dream wedding, what is your dream wedding


is your WIFI okay


okay what's your yes I can hear you


okay okay, so uh let's start with question one do you have a saving account if so share your experience and details, uh if not why do you choose not to have money in your bank


okay for me I do not have a savings account because I'm still a student and I don't really work full-time so I don't really have money for me I'm working for my allowance as my parents don't give me money so I only have like


an account to put my allowance so it's not a not a savings account how about you


it's a E-savings account is it, what is E-savings account


I see so when you started your account


so when you close down it's automatically you have to save to five hundred in by twenty-one years old lah


then your experience with it how is it


okay then can you like take out the money in the savings account, oh so, oh so you don't want to like have the a savings account that cannot take out money


for me if I were to open a savings account I would like choose the option not to take out the money because like you said uh I would be very , tempted to use the money right so if so where ah you can only take out when you are a certain age I think or when you hit a target then you can take out like I feel like is very good so what do you think about that


okay okay true okay let's move on to question two do you have a credit or debit card if so share your experience and details, name and features of the card of your credit or debit card if not why do you choose not to have a credit or debit card


how do you know about that oh my god you're


for me I have a a debit Visa from DBS ya the four so for the features of this card uh I really like is the Visa PayWave, cause you know I'm a cashier right so I will have I will have like experiences with people uh saying Visa Visa or NET


or NET usually in the older times they will use NETS right but it will usually take like honestly like five minutes for them to just, key in their pin and just like, take a long time and it holds the queue I don't really like so with Visa it just like put on put the amount on the


on the ah card, reader ya after that then they just tap it's it's super fast I love it, and then but the thing about Visa is it takes a long time for it to err, be seen in the transaction history


ya so you don't know like so so like let's say the next day you want to check uh what you had spent on then you check the transaction transaction history you don't know what is it, cause it's not being reflected then your money's gone then you're like


I don't know what you will panic lah if you don't know especially oh no I had an experience where I had a negative amount in my bank account, , negative amount like negative twenty or something then I check my transaction history and they didn't like because of the Visa they they couldn't track


like what I spent on, then I don't know where the I didn't know where uh the amount went then I I was so stress, ya then I had I had ya and then had I had to call the DBS, I was working that day so I had to call the DBS while working then I said why I suddenly have negative amount I thought I I didn't like I had money in my account but uh they didn't


they didn't ah, wait sorry , ah didn't show ya they didn't show up then the person said, what did he say ah


he said something like oh because of your Visa and you didn't have a and a correct amount in your card that's why we deducted it, ya and then and then he said okay next time, ah I will uh waive the negative amount for you but next time please be aware of your amount


because the the thing is they didn't reflect the Visa the Visa transaction history how would I know right, and it wasn't fair if it happens again uh, uh I'll be angry ah, I hope like I really hope that they will make it faster to introduce the transaction history


okay for this I agree because okay me and my boyfriend err trying to save money together right but then he keep spending money so he transfers his money to me, in my account so I have to calculate, my my