at the end of the month when I see my bank, but, ya and it's like when you think about when you think about like when you see your bank and then you think about oh my god you still have one week left


before you get your pay or before you get your allowance and you're like , I can only I can go and eat grass already yeah those kind of stress so it's like small stresses ah not really, they're not really major right, okay let's try move on to the next question which one do you want


how about money, , ya ah yeah we


because let's not because we we don't want to dig deep, we we we are superficial, , let me see I worry about money I worry about, I kind of okay now I kind of worry about school quite a bit


I worry about I know okay I don't really care about what people think of me but I care about like what my, dad thinks of me and what like my close friends think of me, which is why like sometimes like when I hear things that I think like my friend said ah I'm just like and it's about like me and I'm like (hmm) I don't think I'm like that then I'll try to fix it but ya that's what I worry about


and there's one more thing I worry about, I can't remember right now I worry about my love life like once in awhile, you know like we can joke about it yeah I know we can joke about it but at this point right I actually truly think right


that I'm never going to find a boyfriend , yeah


carefree no you're not no you're not


ya but now it's like most of the time I don't care also but at some at in certain timings right like, like like set I will set hours right, and then it comes it hits you and you're just like oh I'm god going to die alone, but


I hope they break up , I'm joking, but what do you worry about


you worry about your school about school , you you always worry about you always worry about , about paying your parents back


yeah and you always worry about like financing yourself oh my god I used to worry about financing myself as well, which also bring stress


yeah, , no but I told you before just, you can pay them back in the future, like after you get through the, the studying period


, it's okay at some point right at some point your your bro or your sister is going to make so much money right they'll be like daddy mummy


I will take care of her, I know I remember I remember yeah yeah I remember, but I think


and then you won't be you're going to starve, I had that one expensive meal uh, okay actually yeah you lose so much weight


seeing the positive side of things, oh your eyes always itchy okay understand like your the question


no okay that's what I'm very fortunate about like those people those like family members I'm close to right, have not died yet god bless god bless them god please bless them and keep them sane


, friends I don't think so but, some like I think some like like moments that hit real hard in life right it's like when I have a few, I feel like I think I have one one secondary school schoolmate


like she suddenly just died, ya because I think she's a foreigner then she went back home and then, ya she actually died like she actually passed away ah I ah we I don't I didn't really ask about it I felt so insensitive asking about it but from what I hear it's like she caught a disease when she went back home


I think myanmar, ya and then she like passed away lah then , don't know it felt so real you know because like people around me right were friends friends with her I was just schoolmates with her like I I like she knew me I knew her like we didn't even say hi but we just like knew each other kind of thing but


like the the I had like, same acquaintances who like were friends with and there was so sad and then I see like they're they post on Instagram right like like during the week that she like they found out about the news right they post on Instagram it was so sad like we all just like, ya and then


then I think recently I saw it again like I think cause her anniversary is coming up then they posted it again, and I was just like !wah! this this hits hard ah it's like yeah it's like it's kind of a it's kind of a god bless nothing has happen to me, but


I can foresee it you know


, singapore


he was like, he was like santa claus, oh I feel you told this to me before,


was it stomach cancer, but if he always pain pain then how come it take so long to diagnose it, (hmm)


yeah that is just so sad did you go to his like, , I think,


how old is the daughter, did you get eyedrop already


oh that's so sad oh my gosh I, whenever I watch shows right then this kind of thing happen right !wah!, it's like uh you know I don't think that, I think I I I I'm more I have more empathy and I'll be like !wah! so sad for the girl don't cry you know I actually cry when I watch shows


about when like sad things happen like I can I can I can relate to them I'm just like !wah! I feel so sad for you it's not pity it was like a imagine myself in that situation and the same time it's just a sad situation


yup it's okay it's okay you cry for your friends can already, I have no idea, the only time I see you cry is like when you put the eyedrop and then it like drip down


but oh my god, I know that day I was thinking right I was thinking if I think I think I though it's a very weird thought I was walking home and it was late at night and, and my phone didn't my phone was dying so I was just thinking


so I was I I suddenly have a thought right, so if I die okay I have this thought quite frequently actually if I die right, then who's going to go to my funeral what's going to happen at my funeral are people going to cry who's going to cry would this be who will they even care what happens after that


I don't know like it was just a random thought like suddenly I was like !huh!, what if nobody cries does that mean I was so like insignificant in their life


my covering song ya it's like and yes, yeah but I don't I don't think I go to funerals before ah I went to funerals and I was taken


for who like the your, yeah, so you don't really feel like affected by it lah


oh my god I just remember okay okay I think I've been to like a few funerals in my life because my dad has, my dad's pretty old and he has like really old relatives or like not relatives just people that you know like old people think you like to call like people they grew up with like your family that kind of stuff


ya so I remember going to this !wah! hit me like quite hard I I going to this, cause every chinese new year we visited big house right and this this old lady is staying so I can't remember her name I can't remember who she was to us, but she was like she she was the main reason why we went down to visit now we don't visit them anymore because the old lady is not there lah


ya so she died, and then we went to her funeral, alright and then I felt so guilty because that chinese new year right, because every chinese new year I will follow my family to go that that one that that year that one chinese new year right it was the year that I skipped on chinese like going to her house


ya and I felt so guilty lah it was one of those like oh my god I need to treat like I need to treat better in my like people in my life better I mean she wasn't really involved in my life right but, yeah I have heard oh my god it's really such a sad feeling eh and then the thing is right my dad is like my dad is not like I question my dad wasn't my dad is not related to her but my dad like


he being him he likes to be involved but then he really cared for her ya so I know we were there for the I know I was taken out of school and I was there for like all five or seven days of the funeral, I don't know she was a respected woman like not her family it's like pretty like


known I guess I think someone was also I have no idea I know I know they got a lot of bouquets and it was on the, when people die it's on the news right, okay yeah it was on the newspaper I remember I had to wear the, the outfit lah you know you know with the pants and the


that's why but I'm I'm pretty sure I'm not related to her, yeah but I was like me and my sister was like wearing the lowest grade pants like the most distance pant, yeah that was like one of a sad memory like really regretful lah up to now


because I if I can still remember and tell you that means I actually, kind of feel bad yeah, you got to live life to the fullest one, tell her tell everybody you love you love them, don't cry I love you too


okay what's next , describe a time when you where you feel that nothing you do is good enough


same I know it's okay we talk vaguely, try your best, ah yeah yeah yeah


(mmhmm), oh my god that's so scary


(hmm) (hmm), ya ya there's the fear right oh my gosh that's so scary ya oh my god


but was she like was she like you did fine, okay okay, ya I think this is what happens when you work somewhere where you're like it's not that you're not qualified for I mean you kind of are not qualified for it ya ya but like like we don't have the


like the skill for it and the knowledge yeah, that's why, for real yeah I feel that I feel that oh my god my I actually like you might not like like processing what you went through and I like feeling your your I can I'm like picturing myself in a situation


ya bit a bit so but it's the rabbit okay, okay, (mmhmm)


but holding the while holding the blood , it's actually actually very cool your job's very cool like it's a good experience


positive experiences, I think this is a very difficult question


I think cause like, you know most of the time right you kind of have you kind of really have expectation to go well right, yeah


I think that could be it ya I no I think it's no I think it's quite normal but at some point right you kind of keep telling yourself like stop stop stop, stop don't ya stop expecting so much stop, people aren't that good


ya I know most of my experiences in life it's like pretty good and even if they're bad they turn out pretty good because, because I believe that we make it good, because we are problem solvers !woo!


ya so it's like nothing ever turns out better than expected and most right oh my god maybe like and you cooking right, ya and then you are like !wah! this going to fail this going to fail because you don't have like faith in your skills and then suddenly the dish comes out and you're like


ya ya because because we are those kind of people, like like what the hell what what is this recipe why why do I need this exact amount, no okay , yeah this !aiya! #agak agak# around there can lah can lah


I don't want so sweet less less put less, (mmhmm)


, you sneak your way into the bedroom,


yeah I guess, nicest thing ah someone ever told me you're very pretty did you lose weight ah , that's my favourite question ah did you lose weight then I'll be like yes I did thank you


yeah but I but I gain back the weight lah I gain back like two KG so I need to go and lose more weight so fat, but most of the time I think people have nice thing to say and if they have like not nice things to say I'll tell them to just don't say anything at all


but at the same yeah but the same time right I'm those people that don't have a lot of nice things to say, ya so I'm just like half half okay so if you can throw some you got to take some


may not nicest ah just like a few nice things people say that make you like happy and you smile


probably like any compliments or, your banks look cute then or like , or like I don't know I know what do people say to you


is the question so hard you haven't say like it did you not know did nobody compliment you


I okay I start complimenting you more you also you must compliment me too okay it's a, ah because you want to alpha


ya, this is so difficult ya oh okay , I think the happiest moment or like actually I think a few ah I I you can't really


how can you define it to be one moment right you can't unless I I finally have a kid ah it'll be like the day the day I my daughter was born, but like I'm like, ya I was thinking about that I was going to get to that oh my god you beat me to it


ya the day I brought my dog home was the best day of my life not the best day happiest day of my I don't know I was like I think I was like uh don't really remember man, my I, three oh you remember okay ya who's dog I was three then


I wanted a dog for super long since I was young yeah I always wanted a dog like I had bunnies I had hamsters, I think I had cat but I hate I'm so scared of cat, I don't know I had like weird animals but I never had a dog, ya I have bunnies it bit me and then my dad gave it away


I remember my dad that protective , yeah, I have a need to take care of the bunny


but yeah uh ya then we brought her home I was so happy like my best friend was there and my mom was there and it's like hello, she was so cute that's a good memory like it's one of those is a pure memory like nothing can ruin it


so what about you


yeah but is it ah I see, like nothing when nothing can go wrong cause, cause it was the two most reliable people in your life


that's better that's probably why, oh my god I want to do that I want to go out with my like my dad and then he pay for everything oh, ah wasted


daddy I want to go Gucci I want to go Chanel, no but oh my god my dad ask me to go , car shopping with him


not I already have a car but he wants to buy himself a new car, ah ha, ya actually I think it became two I think he that he give the one of the one of it to my, step mum I'm not sure


yeah one of the old one the, second one chanel's chanel's mum, yeah chanel's mum, uh ya they are they are on good terms so and recent, yeah yeah


recently like our car have problem like the BM has a problem it's so funny so the rights the left side of the car right the doors two doors, both cannot open, I don't know the car have problem and it's like it's been less than five years leh I think the car


so but it just suddenly cannot open, and then the, ya but my dad doesn't want to, I don't know he just wants to buy a new car just let him buy a new car, he just wants to go car shopping


of course yes, and then the right side the door right, you can only open it from the outside, no it's not it's a manual door, yeah


ya and then only the driver seat right you can open the door from the inside, yeah, no no so oh no no no only the right right side driver door can open


ya so my dad basically becomes a chauffeur now, and he open the door for everyone after that he then he no he you know he open door for everyone and everyone go in then when we leave right he have to go out open the door for everyone ya it's so funny


honestly I have no idea, I have no idea we are we we we are not mechanic we just send it to the mechanic and what like why


I don't know if he oh he never update me I think he never update me, he just when I'm just going to buy a new car and I was like okay, yeah , but ya but oh my god I think I think I think that's like a happy moment right my dad the day I and my dad and he told me he was complaining about his car and I was like oh and then he was complaining about my car because I haven't gotten my license yet right


so he was like he was saying, ya because it's he this is his car before then he's going to give it to me cause I this I actually ya say this is my car because it's like I got it when I was really young like not got I got it sorry he got it when I was when I was born


so technically it's like meant to be mine already but, the point is, I mean now will be nineteen years lah right, so I'm not maybe he give me the car for one year only or then ah then he is either he


but he's fixing it up that's the thing, like he told me he's fixing it out then I was super happy because I thought like because last year we fought right so I thought that I thought that he won't want to give me the car anymore, I thought that I was like my life is over you know like all my life right I've been looking forward to this like one thing when I can finally drive


of course I will but he said that it's for he said that he was gets getting it ready you know but then my heart broke ah because he said he said that now the car is having some problems, like like the battery couldn't work that so he went to fix it right then after that once once he went to fix it right the next day he when he brought it home the next day the fuel leak


yeah so he brought it back to the mechanic again, ya cause it's a very old car if you think about it, yeah I know maybe !aiya! he just really have to fix ya lah he confirm I tell you he confirm never take care of his car lah


oh yes like me, okay just go next question


yeah sure go, I want to go vietnam


but okay wait is, I know that vietnam hotels are really cheap so it's, it's a really expensive hotel in vietnam terms yeah okay


but and in vietnam it was was like five six then stars


of course yes


(mmhmm), so they tried uh that's cute


korean roadside food you know what oh oh okay ya ya ya I just I just picture what you talking about okay ya


vietnam food vietnam vietnam wait my friend always vietnam is amazing you should come, yes I would go soon but you're not going you know vietnam that all of vietnam cities is lock down


be something do that I have any idea cause is it I think so, #ho chi minh#, yeah I went vietnam once also like when I was in secondary school just


I I probably went to #ho chi minh# honestly I know I saw the pink is it the pink train station, or pink post office, the pink building yeah, you went to eat ya okay I I I I got that I understood that


I don't know I just remember like, the traffic being so scary


oh, accident, oh do you actually believe that


oh okay I thought like maybe like you just never report, so there're like skilled drivers they can just like swerve


you know what I don't think I was like I don't think I'll ever want to go vietnam alone so scary, yeah and I'll be like be like


and then we'll just be at the airport forever, great trip , what was the question again, most memorable travel experience, uh I travel quite a lot, cause my mum likes to travel my dad likes to travel so most of the time like when I go holiday like during like holiday months right


I'll go on on two trips, yeah and and ya now since like I'm old enough I can travel on my own, so I will travel a lot more so memorable ah most memorable


I went on a road trip with my dad before like we always go on road trip my dad hates tour packages, it was yeah he ya and I think it's a good thing cause he influenced me I also don't like tours because it's so like , what did you say sorry


never again he's so, ya and and it won't suit you because you don't like you don't you don't go to like the sights right, ya you want like ya free and easy because my dad also same he just wants to eat


I just want to eat shop and I want to look at the like the what do you call that the scenic views like those natural natural, tourist spot yeah but I remember one trip very quite memorable is when my dad brought us to


what's that place, US like the second time I think then we have road trip right this must be very funny to you because my my sister it was like, in primary one or primary two at that time yeah, and then this it's very funny okay so she really had to go we were cause okay we all we're driving right like long highways then she really had to shit


like she she always do this you know so like the first few days she only have to pee, so we were prepared for that like her mum was prepared for that she she got a, bottle for her to pee in so I think my sister is so cute because my sister can pee in a bottle, or it's either that or she wants a plastic bag yeah in the car because while driving on highway it's yeah but what can we do she needs to pee


right I was thinking get her a diaper but she's primary school it's a bit late for that I guess, yeah so then the that one specific day she had to take a shit she had to poop, so her mum took out a plastic bag and she poop in the back in the car at the back seat and we were in a we were in a pretty big car right but it's still


it's still ya it's still a bit messy and then you know what she did with the the mum with the poop back after, ya they just open the it's like a window the door this open it and then they just threw it out and I was like oh, oh my god what when what just went down it's so


ya but it's pretty funny and I'm going to remember I I don't think my sister remembers doing that, ya I'm just going to yeah I'm going to keep this in mind forever so that I can embarrass her too you know okay I'm I want to okay lah I'm so bad I embarrassed her at her wedding let's do one worse


ya but it's a this is a bit okay we maybe must see had like what's her personality like at that age, you want to have video


oh my god then you have to write a speech and everything and they can make a toast, that's so cute oh my god if I was close to my sister are you close to your sister


okay if I was close to my sister I may have bridesmaid so don't think of it as she has no friends, think of it as she loves you so much that you are one of her bridesmaid, stop


ya I I cannot really have like in my life what I want as my like bridesmaid maids of honour, maid of honour or made of honour, so normally you have two


no I won't I'll be so supportive [oh] my god, yup


sorry where's the oh the financial related topic


, I have two savings account so my primary one is the just the regular DBS saving account, and then the other one is a OCBC frank account, and I think I created the the DBS account cause since young my parents made me the account


then the OCBC account was cause I think it was the easiest bank account to make when I was sixteen and then it was like a separate account for me to, be able to , put the money that I didn't want to use somewhere else so that I wouldn't keep spending it every time I use my card


that's CIMB is it, !wah! I didn't know they had that feature yeah


isn't CIMB a malaysian bank though, strange,


I guess the the OCBC frank it works I'm going to try it, uh three oh


(mmhmm) , this year's birthday


okay cool next question, do you have a credit or debit card


really, I though you have to sign up for it, wait which which which bank account are we talking, now OCBC one comes with it but I don't think the the regular like DBS one comes with it


you have to sign up for it, you help me to sign up lah, so I can have both


how do they give you a card instead of they give then don't they need to know like your personal details


it's like a cash card kind of thing,


you know that that NETS contactless payment thing what's it call again, oh ah flashpay, when the thing first came out also my dad received something on that, then the only way you could use the covers like using NETS flashpay


I don't know, I, just go and flashpay lah you tell them inside got two hundred dollars and spend two hundred dollars ah


you can check the balance at the MRT there, (mmhmm), paywave ya ya ya, no don't need just that


no twenty-one I tried, oh ya why can't you can use the DBS live fresh the student right


I have that, that basic DBS black colour debit card I don't what's it called , yeah I got it in the the moment I could sixteen probably probably sixteen or fifteen


then I got OCBC frank card also, probably around the same time yeah yeah that's all, I don't use my frank card just, simply because like first of all my OCBC account was supposed to be like a the savings account and then I don't remember my OCBC pin so I think the card's locked


ya and I haven't bothered to go and like like unlock it, I think need go down to one of the branches ask them to change my pin, cause I try too many times, but now oh my god but now OCBC right you can if you have to pay anyone you can you can withdraw money without


without yeah without using a card so that's awesome I always do it and I feel like that's just, ruining the whole purpose of of having the savings account


I don't know if you know DBS don't have need to use card DBS very strict one, ya ah of course there are government bank,


ya UOB and and OCBC are like affiliated you know that, paynow the DBS pay may now is like a government initiative so like paynow, paylah is DBS online on project


so paynow that's why every time you receive money from government right is like as much as they can if you have a paynow setup, they will paynow you the money because the government like


yup yup it's their way of monitoring your spending (hmm), PAP is watching, ya but then paynow is so the the logistics in like


everything is run by DBS which is under the government, yeah, so you can paynow through OCBC but then it's still like run by DBS, they just use the service


can we skip


, wait let me, I don't feel like I have a good like a very good knowledge of investments but but


when the time comes, when I actually start having like a stable, not enough income maybe it will be time to start putting money in low risks investments but, at the same time I can't just stick all my money in there because you can't keep pulling money out of your investment anyway so I guess it would be like a half half kind of thing


yeah I guess so but I don't feel like, you should invest when you are prompted by people, when when you feel you're ready then you should do it if not you will make like bad decisions


yeah they do, , ya you can buy stocks from, like most of your own banks


platform mah


that's not bad, same


no pain no gain you need to you need to suffer the risk darling if the I mean, high risk investments some people like it because it's like all nothing right like gambling like that


really yeah, what's your experience of getting a loan


same I haven't gotten a loan before, I'll probably be getting loans soon for uni


(mmhmm), why, (mmhmm)


(mmhmm), car loan is it


probably lah, it's probably car loan and house loan, anyway, but then house loan takes very long to pay off


(mmhmm), people pay for the HDB for like ten twenty years right, , not say like it's expensive lah but it's just that if you have if you have like long term stable income and then you have this total amount that it makes sense to be paying it off in longer instalments rather than short instalments right


but it depends on the interest rate also


next question do you think couple should combine their finances and opened a joint account, if you have a joint account share your experience and the details


I feel like but then again right I feel like when you actually get married like definitely not as boyfriend girlfriend lah but when you actually get married then there're got there are going to be a lot of things that, (ppc) you need to split the payment for like house car like about just daily groceries that can add up to a lot and like furniture appliances


then it's going to be really difficult to have to boost the check every time, know what I mean like rather than how about just spend it out of your your shared account right


my family it's for me because I think initially my dad and my mum they both ah just, they both just shared one one account so both their pays got got deposited into that one account but then


my mom decided that my dad is bad at managing money and then she created her own account so now she has access to my dad's money but my dad doesn't have access to her money, ya ah he's okay with it yes ya ya he's okay with it he still gives me like extra money


yeah yes (mmhmm)


yes yes but the thing is I guess for my family it works my mom, my mom was will pay for a lot of things cause my dad gives her most of his pay like so when my dad gets his pay he gives his mom money


then he gives my mom money then he give me money, yeah yes but not very not much he just gives it all away


, yeah I don't feel like I would want a joint account though like !wah!, then if you divorce how


oh then you every month put in like like, I won't say twenty dollar,


then I put twenty dollars he put twenty K


sounds right sounds about right


negative experiences, can we select one instead of reading from the top


oh it makes me stress when because I think I I tend to have a, a visual picture of, most things at night most events or or things in my life and then when things don't go the way that


I expect it to be I I I feel like this sounds very bratty then I get stress just because I don't feel like, I'm in control or like I know what's going on and I think that's when I get stressed, yeah I don't get stressed when there's too much on my list


it's just that when I don't see myself getting everything together then I will feel stressed, right, helpless I hate it I hate that feeling


alright it's just that, other other people get stressed by not having enough time all that I'm just being in you know stressful situations yeah not me I'm okay with like high stress situation but but


yeah, good brain, how about you


(mmhmm) (ppc),


do you, okay true, so that we can spend time to cram


same, not really it's the end of the month,


stress,


what do you often worry about, same very materialistic this entire conversation has been about money shopping travelling luxury


(hmm) right


(mmhmm)


, do you


(mmhmm), okay, can't relate but okay, I don't know I feel like I'm too how do I say


yeah and then yes I am I don't care I don't care about, about, being in a relationship I don't care for it like right now, at least so I don't care


oh yes , ya ya ya ya, !aiya! sad ya ya ya ya and like, and like when when you see other couples being happy then you're just like


uh no gosh that's toxic, what do I worry about I worry about work, worry about yeah


no ya that too, so ya lor what do people worry about work money education family, oh yeah yeah yeah yeah


yeah I think now I don't, I don't worry that much about financing myself cause I'm actually financing myself but but then now I have to start worrying about it again cause I'm I'm not going to work anymore like that often anymore


so that's scary, but, that's true


that's true but I mean as I said I'm my parents like youngest child so like it actually pays for me to be done with this as soon as I can cause my my brother and my sister are both like very self sufficient right now, so yeah I'm literally the last one so every extra time I need ya feels bad


oh my god you know that's what my, that's what my brother, ya this what my brother said he cause he he I told you right


you know he's full-time job already then he was like ah yeah I can pay, can pay for her expenses then I was like okay, he's just going to forget to give me money every month and then I'm not going to ask and then I'll be dead broke and then he's just going to keep buying me he's going to buy me expensive food but


but then I will starve until he buys me that that meal once a week , ya that's true that's true, the event


my eye damn itchy leh, if , have you gone through any loss in life


(mmhmm) , same same same same same


(mmhmm), !huh!, she like actually died passed away but why


what country, (mmhmm)


, yeah for sure


oh man that's really really sad


yeah like you know, I think for me it's the same but but, my only experience is, my P six form teacher who I was really close to her she was my form teachers since P four


so for like three years then one thing I remember about him is cause he's quite a fat dude and he likes to eat so so it's very funny he always talk about food ya he's damn funny then he's like this jolly guy then he's like, thirty plus and he has a really cute kid that he will bring to he will bring to school like on during those special occasions you know that that kind of teachers


yeah yeah and then then he always complain that his stomach pain, and then we always say he eat too much then then, yeah then when I was in one I think then then suddenly I I saw on the news or something or like Facebook


started circulating that that he passed away and then like, he has been going to the doctors to for his like stomach pain that just kept occurring right and, ya then it turn out to be stomach cancer but by the time they diagnosed it it was too late already


exactly exactly, oh well I guess maybe people don't really take this kind of complaint very seriously


yeah I went to his funeral it's really sad, then when his daughter was like asking the mom like where's daddy, like at that point of time yeah I need


at the point of time the daughter was like I don't I don't even think she was six yet, maybe like five yeah it's really really sad


then you are like oh my god what if it happens to me,


ya, I think I'm uh heartless I don't cry when I watch shows, I do I


, me everyday, my eyes damn , (mmhmm)


(mmhmm), (mmhmm)


what the hell, why would you think about that , what the hell I think


at your funeral I'm going to go play I'm going to take over the the stereo system and put on like like <mandarin>慢摇:man yao</mandarin> , (hmm) yeah yes


I went to a grand total of two funerals in my life yeah, so first was my teacher and then second was my my grandmother like my mother's side grandmother who I'm mean I'm really not close to so


yeah cause I think she had parkinson's from like when as long as I can remember her so I never really actually knew her I think yeah


(mmhmm)


, (mmhmm), you flicked


(uh huh), but you still felt guilty at that very moment


everyone dies, oh man


yeah, !huh! isn't that usually for for family, strange


heard about it yeah, I'm crying I love


!wah! what the heck, I hate talking about this kind of things, probably at work lor cause


everything at work is like so so, very like high stressed and very high risk and everything high stakes lah I would say like cause you are actually dealing with like lives right then, then if you do something wrong then it's very stressful so most of the time


but like yesterday where we do surgery for animals right cause their body very small, then their heart not not as strong as human's heart then when you put them under anaesthesia, they do actually like stop like the heart just really will stop beating one it's very scary one then that happened during surgery yesterday and then the the they were doing a dental procedure for rabbit and then


there was blood start that started pooling in the in the mouth, and then the surgeon were shouting and shouting like get me the suction now get me the suction now and then and then and then everyone scrambling and then, usually it's just like a one nurse one surgeon kind of thing !wah! but there were like three nurses and then I was near and usually this kind of situation I just run


I will just be like okay I'm just getting out of here so that I I won't be in the way then what my senior nurse was just like you come and help me flushed the oxygen can, then I didn't know what to do cause I'm not trained to use the oxygen machine so she just told me you press the button but I just kept feeling like I wasn't doing it right


(pb) bro and then after that she was like she came and say uh eh thanks for helping just now then I was like sorry I didn't know what to do, you know oh my god every single time, ya she said you know it it was it was okay it was okay then but still damn stressed like at the very moment I was like


so what do I do now what now, I mean I can't I'm not I'm sure I'm not qualified for it, yeah


ya and it's not like they can teach you on a job, cause in the first place ya , anxiety eh like I'm just like oh my god now what now what now what can I like Zao now so that I won't be in the way and then ah oh my god


yeah the rabbit was okay in the end I was on running a blood a blood test then cause the lab is here and the surgery area is here, oh that's that's where she dragged me from then I was I was holding the blood sample in my hand then I thought it'll it'll be like a quick pass me the the the suction tip thing


then I was just going to take the suction tip and give it to her and run that's why I was holding the the sample and I was standing with the oxygen tank, the oxygen machine which was like really near near to the surgery ya while holding the the the sample then I was like, flushing the oxygen oh my god I'm just


ya it is it really is


positive experiences, describe a moment when things turn out better than


yes sia, ya then you always have high expectation or is it just our personalities


is that normal, stop expecting , but do you not do you not have pleasant experiences I feel like


!huh! nonsense


oh yup, and you're not following the recipe you just like okay screw it but it works anyway


, chinese cooking chinese cooking Agaration, but


but okay I think my, my job my new job is like a, uh something that turned out better than expected like cause I initially sign up to be a receptionist right


ya but I just like managed to, experience ya what the hell experience more than I thought that I would and learn more than I thought that I would so that was interesting


what's the nicest thing that someone has ever told you, name


, , nicest thing


ya ya ya ya ya ya ya if you don't have anything nice to say don't say just don't talk, yeah but you say a lot also


, but honestly I have no idea ya like I don't know what , I don't know what's the nicest thing that people have told me like probably


, yeah oh, yup ya


well I think, like I haven't, nobody compliments me I have no friends and you don't compliment me


no I think I like I like it when when people like say that, I'm reliable, , no


what's the happiest moment in your life, this is tough


yeah you really can't, how about the day you brought your dog home,


three


(mmhmm), you have bunnies, what the hell, you probably just scared the bunny poor thing


yeah yeah that's true happiest moment ah , I don't think I can put my finger on like one singular happiest through my entire life but, how about like one recent one that I can remember on on my birthday I think on the day after I went out with


my best friend and my mom and then we had like a great day we just we just went shopping then we ate whatever that I wanted to eat and like, and like yeah it was like a very wholesome day


that's just like like, quite happy what , ya, my mom pay for everything


, your dad is not not going to follow you shopping, dad for me to dior


, why he want to buy you a car meh


doesn't he have three, you mean he have three, !huh!, it was which stepmom


why would he give a car to the second stepmom that's so weird is that not weird are they on good terms, except your mum and your dad


ha, !huh! why


send for servicing lah, why, like when the light bulbs spoils change the whole house


I don't understand no is it an auto door, !huh! so it's like the like that kind right then why cannot open I don't understand, so you okay so you open the right side passenger seat door and then you came in and then you open


you come in to the that's so much, oh, oh so he go in then he open door for everyone


then he need to go out, so cute oh oh okay what is it the door like too heavy or something or or it's just stuck, it's just stuck


yeah then they never tell you why oh cause you never send, sounds like you


(mmhmm) so he's been paying the COE, (mmhmm)


, !wow! I can't believe he kept the COE going for like twenty years, yeah


(hmm), (hmm), then you're going to drive me around


oh my god, maybe it's not meant to be, probably vintage Mercedes is a thing lah


ya seems like it he has better things to take care of, yeah right, right describe one of your most memorable travel experiences can I go


so I went to vietnam in the middle of J two, vietnam is the best like the food is so good then then on one day, my my mom cause we were staying at a really expensive hotel, my mom likes to act like she's bourgeois


yeah they're really cheap so it's like, in vietnam yeah, yeah, no as in like just in general the hotel is really expensive but the room was so good like it's like


like if you pay this price in singapore it might be like maybe like four stars three stars but then, ya it was like amazing, then then they had this like seafood buffet that that was so good like they we ordered the oysters right


at the buffet line then they open the oyster in front of you then like that kind of thing it's like amazing it was really expensive but so we had that for lunch then at night, we we went out looking for dinner then cause like when you travel you don't stop eating right we went out for dinner and and


we found like this I don't know how to say this oh those kind of stalls that serve seafood, but it was like it was really secluded and it was kind of like in a neighbourhood kind of thing like where people stay and then they were serving it like in front of their house and then the the tables and the chairs


we're like so close to the floor it's like you're basically sitting on the floor kind of thing, or it it had that kind of like you know those korean <mandarin>路边:lu bian</mandarin> food kind of kind of look you look, ya ya ya ya very run down kind of thing


ya then ya ya ya then we we spend like about twenty thirty dollars but I swear to god the seafood was so much better than the the seafood buffet even though the seafood buffet was like already very good bro I love vietnam


can ask Hue to bring us, yes let's go, which one, Danang


maybe where does Hue stay, oh I went there last time, which one did you go to which city


don't know, I don't want, I don't want I didn't go to the the tourist attractions I just went to eat


I didn't even shop I just ate, oh ya ya ya the traffic in vietnam is insane like you have to, it's like, it's like traffic in Penang the cars don't stop for you and the traffic lights don't work you just have to find like a slot in between and trust that they won't hit you


you know even so vietnam has like very very low, like, very low uh rates of, traffic accidents ya ya ya, very low numbers


ya, cause they they really they, people there are used to jaywalking and then the drivers there are used to having people jaywalk, so yeah


and then there are skilled jaywalkers as well , okay what about you, oh yeah you you can't go solo you'll just stand there, [ho] lor, then you wait for the traffic light to work but it will never work cause it's spoilt


ah, (mmhmm)


(mmhmm) (mmhmm)


give me key, give me key, like they they bring you to those places that people pay them to bring you to you know what I mean


oh my god, in on the car, damn nasty, and then


(uh huh), but it was so smelly


, threw it out, oh


you going to say this at her wedding, that's what you're supposed to do


my sis is getting married soon and I've been trying my best to scare her with a cockroach cause, that's when she's most yeah I want uh I want the video so I can play on during her wedding , oh my god I'm going to cause my sister have no has no friends I'm going to be like the the bridesmaid


yeah, I wouldn't,


no she has no friends I wouldn't make my sister my bridesmaid she's very controlling


I won't have you you'll be like screw this I'm sick of this I'm sick of this event I'm done I'm not even going to show up I'm kidding I'm kidding I love you, yup


yes can we start now, okay


I invest in robo investments, but of course it's depending on your risk appetite whether you are high risk taker or low risk taker for me I'm a low risk taker so I rather invest in something which it's visible and that I can get back my investment after a period of time


every day it's increasing ya the US market is growing, it's into healthcare at the moment because of the COVID nineteen healthcare products are booming


so it's it's uh so every day when I check the robo investment it means that robo investments means that the robot would actually invest for you in whatever market that it's suited for you lah ya


yes they will give you a summary so for example if uh every month you put in five hundred dollars they'll give you a projection of how much you can earn over a period of time like for example ten years you can if you put in five hundred dollars every month you can take back this certain amount of money


but of course if you decide to put in more money you will have more returns, uh it depends if I see the market increasing I will put in more money, ya


I just I just let them decide for me, it's easier how about you


okay, ya so which REITs do you invest in, yes


what why these two, is there a specific reason


yes, ya so REITs is a high risk or low risk, medium risk


yes, so if it goes down you will buy more right, that's good, okay, of course I don't intend to take it out anytime soon unless I need it so this will be for my retirement ya yourself is it for retirement


okay, so question two what strategies would you recommend to someone planning for the big ticket expenditures IE starting a family buying a car or house


I think we can uh relate to this question , so, uh okay so my I think we should start saving up early


a good start would be two years, maybe can start saving five hundred dollars a month and then in two years you'll have twenty four thousand dollars ya then maybe sign up for credit cards that will enable you to earn rebates or points or miles whichever that you prefer lah


yourself, yes


yes, yes, extravagant, huge debt yes ya I'll


I always encourage my friends to never step into a marriage with debts, cause it's not wise ya


yes ya it all boils down to be wise with spending, so for car I don't know but I feel that a car it's a liability, I mean for you it's different because you have two kids but for me I believe that we do not need at this point of time ya and unless you are a full time salesman ah meeting clients I think it's not necessary


it's cheaper right


ya but because you also bought your car at a very good price right you took over


ya, yes so the strategy is to start saving up early yes okay


[orh] this one before marriage no much not much commitments because living under my parents so it's like a comfort zone, but uh but before we got married we have a joint account basically for our wedding for our house for our honeymoon


so every month we will set aside a portion of our money into that joint account so whatever that we need to use for wedding house and honeymoon we will use from that joint account, ya then after marriage after marriage ya thirty percent of the expenses goes to the house insurance cause you set up a new family so everything you have to do it yourself


it's hard in the beginning but as you manage your finances slowly you realise that !hey! actually it's not too bad ya, how about you you also got joint account


household groceries


it's easier this way, that's good okay question four in a post COVID world what changes are you making in terms of your spending or saving habits


so do you think you save more or you spend more, for for me because of the COVID nineteen we are working from home so we save more on transport


but food wise we have been like grabbing in food, so our credit bills is like foodpanda grab deliveroo foodpanda grab so I so it's a tradeoff lah for transport, ya


ya I guess for COVID in a COVID world currently we are spending more on food


and maybe online shopping okay


achieve financial independence maybe live beneath my means, if I want to achieve financial independence early, try not to live over try not to live over my means and of course keep saving, ya, savings is really essential in this current economy because the reports are saying that we're going into a deep recession soon which is uh not good for us so it's uh ya just keep on saving and saving ah


ya, yes, yup


for rainy days yup for sure, yes yes I think most importantly we cannot live in the now we have to think of the future


like like what you say lah six months uh savings of our current pay is essential, we cannot touch that because you never know when we'll go jobless or should we go jobless you know we still have a six months to cover us of savings ya


K that's good so number six what advice would you give to someone to get him or her out of debt, yes


yes ya, yes correct just cancel the credit card


immediately the interest rate is really very crazy, yup yes okay


do you think one should own a credit card


yes, yes, ya direct from the savings right


yup, so for me I believe yes and no for us we took a credit card that had can accumulate uh cash rebates, so we managed to have one or two tables that are free because of the cash rebates just by paying off the the wedding tables so after that we decided to cancel it because you know if if you don't know how to have the discipline to pay off it will just keep accumulating


ya so if you cannot manage your finances properly you just cancel it and just use a debit card, so you know how much money you can spend, ya


retire comfortably !wah! this one very how how you want to retire comfortably ya very subjective ya, go Australia buy a farm I think it all boils down to start investing start saving cause every cent counts


!wow! yes well said okay number nine what are your thoughts on CPF contribution


so you so you believe that twenty percent it's not enough, for CPF contribution


so would would you top up your CPF, in that case, yes


ya and CPF is good because uh the government helps singaporeans to purchase a flat you know young couples they don't have much cash on hand they can just use their CPF contribution to get a flat which I think it's a good initiative in a way like force


people to save, ya so, for sure


yes okay so number ten how do you manage your CPF savings, what advice would you give to someone in order to maximise their CPF savings for their retirement


yes housing yup, yes


ya so if you really have no need for use in the OA in the future you can just transfer to the special account, to maximise returns at four percent, but that's for future, ya


income tax you want to start first you want to start first ya


but the parenthood the but the parenthood rebate it's just for the mum right, the dads don't have the, relief


right, yes, yes yes


so you're very diligent diligent in reducing your income tax, uh I I know that there's this life insurance relief, where if you if you pay your insurance premiums in twenty nineteen on your own life insurance policy you can actually do a reduction in your income tax


and of course there is this SRS relief which is the supplementary retirement scheme as well where you can this are ways to reduce your income tax ya, so actually the government it's quite good like I mean all these uh tax relief can help people to save more money ya


yes okay, how would I make uh number twelve, are we twelve no oh we skip twelve


[orh] [orh] the SRS okay so thirteen how would I make a financial plan for my children I would buy a life sorry, [orh] sorry we overrun is it okay


stop the the square one right


negative experiences, describe a time when you felt trapped, or helpless, okay for me it's seeing my grandfather on the hospital bed


uh when he was about to passed away and with all the tubes, and back then I was still very very young and then I cannot I'm not able to do anything to help him not even financial help or you know just being there I mean it's it's just


sad ya, so it was helpless and I really felt trapped, how about you


so was uh okay so what are some of the hurtful words someone said to you that you wish to forget


ya so, I I couldn't really remember much but I think when I was growing up my mum used to compare me to my brother, cause my mum it's those like he favours the boy over the girl so whatever that I want in life she will not give me or I have to beg her for it but whereas for my brother he would she will just like give it to him whenever we quarrel it's always my fault you know like


so there was I remember that there was one time my mum wish that, you know ask me to leave house, you know just because you know I was like uh you know rebellious and then I I don't love my brother enough, but ya those those were hurtful words that you know it's it's just forgiven we just don't want to remember anymore ya


saddest scene, I think one of the saddest scene was when I was traveling in #new york city#


uh I was walking on the pavement, and then suddenly there was this girl that just wanted to cross the road and then she was hit by incoming taxi, ya I was so it was so traumatising and I was so afraid because


the girl flew in front of me like you know the impact was so huge you know when a car hit a body it's it's really loud like it's very deafening it's not those like you know you drop something it's it's really loud so everybody was screaming and then the girl flew and then there was like


blood all over I I've I felt so I felt so sad and traumatised ever since, ya how about you, uh I don't know we just walked away because everybody was screaming and then people were calling the ambulance and we were just like a foreigner in a foreign city


so it was quite sad lah I I hope I pray that she's alive, ya yes, you


okay so sad, oh no


oh no, ya


yes, !wow!


ya but at least she managed to give birth, uh to the second one right, ya to see, !hais! K god bless her family


for sure especially during work, cannot meet up to boss expectations no matter how much you, do or how much you try to perform how much you try to show off


you know it's like sometimes the boss is like you know it it's never good enough, ya so we just do our best, and try our best in whatever that we do lah, you


okay so is there a time where you feel that nobody cares about you


I think I'm quite thankful because my dad really dote on me a lot, ya so whenever my mum uh you know scolds me or say hurtful words I could always go to him or if my dad is busy I will go to my grandparents so I don't really remember that there was a time where nobody really don't care about me


so ya that's about it, so ya, very cliche but I always worry what to eat for the next meal


how about you, I already ate , you worry about kids


saddest moment of my life uh when my friend broke up with me, when she says hurtful words, she send a super long text message and then just like go cold war


I think that was quite sad because uh I'm also a very relational person so I couldn't comprehend like why is she doing that you know what what are her, thoughts what are her motives behind that so ya so back then it was the saddest moment like I was crying over that text message


it was it was really uncalled for so, ya I I still quite remember vividly lah


ya she I mean she apologised and then she she rebuilt the friendship again so ya it's quite good yup you


so this will lead to the next point which is have you gone through any loss in your life, right okay, yes of course


uh describe my emotions at that point of time and how did you deal with the loss so this was when my grandfather passed away he is a malaysian, I still remember I was having an exam that that day when the hospital called me saying that my grandfather will not live past that day


so I immediately called the school I told them that I need to postpone the exam so thankfully they managed to they say yes and they allowed me to postpone the exam so I took a car down, and I went into to Malaysia JB


where my grandfather is in hospital, so , you know when I reached the hospital it was very traumatising know there were tubes all over his body know he was like unconscious so you know I couldn't even go in to touch him I could only do it behind the glass but I still remember back then my grandfather


took his final open his final his eyes, and then he passed away, so I I don't know maybe he was waiting for me because I'm his only granddaughter so I was very thankful that I managed to rush down in time


and managed to say goodbye to him, ya so it was really really very I was very downcast I was very helpless and I remember I went in myself without my parents, ya because they didn't want to come with me so it was ya it was quite sad and I was really


really really downcast that you know my only grandfather passed away, ya how about you, oh ya your friend, how I deal with the loss I think over time the wounds will heal


ya so I mean I still have my grandmother back then, so I was with my grandmother I was encouraging her but shortly after she also passed away maybe because she was lonely, and there was no companion


so ya I I really believe that time heals and of course you know uh god helped me as well you know ya and I believe that he's in a better world in heaven waiting for me, ya you


oh no, it's like your breakup is nothing


yup, ya


!wow!, you can be thankful ya


they can feel revengeful they can they have every right to be to be angry but yet they are still thankful that they're alive that they can ya, yes yes ya


correct ya attitude is very important, okay so what makes you stressed


stress I think I'm quite stress-free at the moment the only stress is work, ya so ya I think uh I'm still okay quite stress-free ya


okay, traumatic incident ah when I experience my life !wow! when I was being knocked down by a cab, while crossing the zebra crossing


ya it was very dramatic like it was pouring heavily and then a cab knocked me over it's just like a a drama scene, so ya I I really felt like, I was going to heaven but thank thank thankfully someone


at that at that at that place at that timing where nobody would cross the zebra crossing a cyclist happened to appear, ya so it's actually a blessing in disguise, ya for for at that moment of time


how about, yes yes very important because the cab driver wanted to drive away after hitting me, but the the cyclist actually stopped the cab driver and took down all his particulars so because of that incident we managed to get a insurance payout from the cab driver company I managed to issue a warning letter to the cab driver ya it was really reckless


ya you, have you any traumatising incident


[oh] my gosh


positive experiences


oh when I when I had a career that I was in for five years it actually boosted my self-esteem, when initially I was only doing it for the money, so it it actually turned out really well I became very very uh confident and I uh yes


timer, okay so when I the a career that I was in for five years it boosted my self-esteem it totally changed the way I talk the way I feel the way ya when initially I was only doing it for the money


I think when I managed I faced people I talk to them and I realise that uh, it's really important when I speak to people I had eye contacts and then I tried to make small conversations it just changed my entire world view


ya so it's really quite good like it really turned out better than expected so all these experiences that I had for the past five years, I used it for my advantage for my next career move, ya yourself


so it actually turned out, better than what you expected


!wow! okay so what is ya


ya, !wow! okay, so what is the nicest thing someone has ever told you, uh I think the nicest thing someone has ever told me is that I am important


ya cause in this society you know singaporeans we rarely like give praises really so when someone says that oh you know you are important to me you know you are beneficial I think it's is nice it's


it's warming it warms the cockles of my heart , so ya how about yourself


yes, like what what you're doing it's it's right like what you're doing you know ya it's nice, K


happiest moment when I got married , uh when I know god and when I travel I think that's the happiest moment of my life, you


ya and the memories we cannot buy back, so ya so I always believe in creating beautiful memories, okay so what describe one of your most memorable travel experiences [orh] this one okay come let's share


okay uh I have three most memorable travel experiences first is when I walked a hundred KM on foot for the Camino in Spain during my honeymoon so , uh so thank god ya thank god I I'm still married to the same husband so literally through thick and thin


and then the other one is a ski trip in Switzerland where I learn skiing I learn a new skill over in a foreign country, it's nice, to ya and then the last skydiving for sure, it's, I will never forget the the moment when I was being pushed out of the plane


ya you


!wah!, yes, with everything inside !wah!


fourteen fourteen thousand


ya is it ya it's nice, okay , actually I don't really remember but but I remember someone saying that I have very nice toes


I don't know is that unique or weird toes know T O E S ya so it's like I'm like thinking the guy he's like staring staring at my toes okay


how about you do you have a honest or unique compliment, you ever receive


that's good okay so what are you thankful for


ya, uh thankful that we can have the freedom to practise religion freely in Singapore because uh elsewhere in the world you know that they don't have the freedom to practise religion so I'm thankful for that and uh friends


family a job and of course a good government who is governing our country ya, so lots to thank for lah, okay


I hate I used to hate wearing dresses as a kid, cause I find that it's so itchy you know those like lace lace dresses I always think that it's very itchy but now as an adult I love wearing dresses cause it's very cooling ya you


you got two kids , ya I always tell people that I'm an introvert at times but they don't believe everyone sometimes sometimes I mean I mean it's different when you have your own house


you get ya it's different when you're alone in your home you get to relax you get to watch your own netflix do your own stuff it's different like from last time when you're teenagers we like to go out now is stay at home ya so it's different


appreciate ya, ya yes, okay so what was your best birthday present and why


ya so a a present doesn't need to be expensive it just needs to be from the heart to me I think every birthday present is the best because the people who took the time to pick the gift you know I'm very grateful for it so I'll I I never take a gift for granted


ya, so what is ya yes, correct I agree so what is your biggest blessing in disguise


ya cause singaporeans always complain that we never spend enough time at home with our kids with our husband so it's like this COVID just happened it's like eh I feel that it's the biggest blessing in disguise you know I can experience working from home


I get to wake up at my own time without wearing to wear my work clothes, and then go to work ya so it it's pretty enjoyable, so I I really enjoy it ya in a way like there's work life balance, ya you ya


so it's, ya K good


I know yours is red bean for me , for me it's seasonal you know for now it's anything korean because K drama ya so for a season it's chinese food for a season it's korean for a season it's japanese so anything that that rocks you know like ya that that cheer me up


ya, everything , ya I know, ya I mean if you're hungry anything you eat is is happy food right


okay so what do you love most about yourself


ya, they will just open up to you


ya I I don't deny you are very approachable, like like people see you okay can open up to you can share secrets, uh I think what I love most about myself it's


I have the capability to love as much as I can like even if you really hurt me I will still be able to to love you you know I think that's a, a trait that not many people can can have


like like my husband always says that my love is like a bottomless pit, so ah I then I be I went to reflect ya I think it's true, like my capacity to love others it's


ya it's quite it's quite huge, ya, so it's something that uh I'm thankful for as well because uh without love we're all nothing ya


okay, I would say my ministry leader cause she's like a mother to me, she she always nags and scolds me when I do something wrong or if I put on a bit of weight she ask me to go on a diet as in we all need we all need such people in our life right to tell us the truth


ya and then she is full of life experiences I mean she doesn't judge although she corrects you but in a loving manner, so ya so she's like one of my mentor that I can trust


how about you, oh I must know your bestie must be nice


financial related topic, okay uh so emily how do you invest your money to accumulate wealth


so so do you see like your money coming in every month, every day, so your robo investing is uh into what products


[orh] so so you'll actually get to know like what are the products that the robot invest for you


so, but do you uh so every month you put in five like a fixed sum


okay but do you choose do you choose like which one you want or you just let them decide for you like which uh, okay I see, uh for me uh I do mainly like uh endowment plan with my insurance company


I also have investment-linked plan then recently I started investment in uh REITs ya the stock market ya, which which REITs is it ya uh capitaland and suntec ya


so, I believe in the growth lah in these two REITs ya cause I think in the long term uh I see potential ya so I decided to put some of my money in there because uh currently the bank interest rate is also going down


so ya I feel that maybe putting my money in the stock market in the long run will uh have a better yield, REITs ah there will be dividend paid ya ya I think medium there will be dividends paid out


uh every year ya so , I guess like you get to like get back some money so you feel a bit more secure ya, but uh, at the same time the money the price does fluctuate lah day to day ya so I will see the price if it goes uh if it goes up means I I I will gain right but if it goes down if I believe in the potential of the company I buy in then I will buy more lah


ya if the prices go down so I buy buy low and sell high lah, ya so are are this money for your retirement, they


ya and also for my uh children education lah, ya, so ya


ya uh I think, ya, you want go first


ya I also believe in like uh earning credit card rebate lah so like as you spend you also get to uh get back some money uh ya but also


spending within your means ya so so like for example wedding and house like when you decide what kind of wedding you want or what kind of house you want to buy, it should be something that uh you are comfortable with lah it shouldn't be that uh after your wedding or your after buying the house then you live uh like a like a beggar ya correct huge debt ya so uh


ya, ya, uh I also believe in like try not to take loans lah ya so, ya so like wedding all that spending within your means so that you don't have to like take loans for the wedding


ya


uh I think also like uh like for us if we didn't have children, I think just even like you cab around or grab around it will be cheaper ya but uh because of our kids we have to shuffle them to and fro so ya the car would would be a necessity lah for us


ya , uh ya it's a second hand car so uh I didn't take any uh car loan so uh we managed to pay in full, ya, then ya when we renew our COE we also didn't really have to take a loan ya


so we don't have any debt lah for the car, ya spend within your means okay K uh question three how do you manage your financial commitment before and after marriage


before our marriage uh honestly I can't remember I think we paid half, uh ya we didn't really have a joint account before marriage ya but after marriage we tried we don't really have a joint account too but uh my husband will do most of the spending


ah and then every month I will give him like a sum of money lah so the sum of money I give him it's like the joint account expenditure so his account basically is the joint account so he will do all the spending for all our


household stuff ya and like even if we eat out all that he will be be the one paying uh but I will I will be the one who is saving lah so in a sense his account is a joint account and my account is a saving account ya, ya because before that we try to like every time if I if I do I if I pay something for the household and then I try to claim from the joint account but it's uh very tedious lah so we find that ya he will just do all the spending and I do all the saving it's easier


ya ya correct, I think less shopping ya but less shopping outside but somehow


the online shopping maybe increases a little ya we also ate out less so uh we cooked, more more ya so ya


not too sure I think I think save more lah should be save more ya yourself


okay, uh ya I we also save more on transport lah because we don't really travel out so ya


ya okay, so what do you think of FIRE financial independence retire early, how can one achieve financial independence


ya so myself I ya I believe in like a six months emergency fund, and then uh beyond that I think it's important to invest your money because of uh inflation ya so ya I'm looking at earning a passive income from the investment


and to save up lah to save up so that there's for for future big spendings like my children's education and all that, ya so we have to plan ahead lah so that when we grow old, uh we have extra money after paying for all these uh our children's expenditure to have some money for our own retirement ya


ya, I think uh don't accumulate credit card loan ya because when you start to borrow ya the the the interest can accumulate quite a lot ya really spend within your means lah so I don't agree with people


actually getting credit card loan to travel and all that I mean like you enjoy it for that moment but you get yourself into a very deep uh pit hole ya where where you cannot find you have to you have to pay back lah eventually ya so


I only I always like even if I have credit card I will not use future spending lah so whatever credit card loan I I spend for that month I will make sure I pay the next month ya in full sum correct


ya , and, ya I mean don't also don't borrow money from loan sharks or from anyone ya


so quite, ya so like like we say just now , I I believe that it's important that uh we get actually to enjoy the rebate that credit card has so if one is to own credit card I think the person must be very sure that uh he or she knows how to control his or her spending and be able to pay back whatever he spent for the previous month otherwise I would say no


I rather the person get like a debit card ya where ya debit card rather than a credit card, ya correct


ya ya, ya agree , okay so uh what advice would you give to someone in order to retire comfortably


subject subjective right, ya so whether you want to travel the world or you're just okay with you know staying in Singapore


ya so we should save today for our tomorrow


ya I think it's a good way for the government to actually uh get singaporeans to save up lah it's like a force saving for us so that when we grow old we actually at least have some sum of money to actually retire


ya but I think the CPF itself is not enough lah for any like uh for for for you to like retire comfortably so beyond the CPF contribution I think we also need to do our own uh retirement uh planning


ya, ya I don't think the sum will be enough ya cause it's just a few hundred a month ya ya where you get back few hundred a month I don't think it's sufficient for for us to for me lah to retire comfortably ya


currently uh no because I don't really have that sum because like the CPF is used to like pay for my housing and all that ya maybe I don't know maybe next time if I have some spare cash I may ya


ya but, but also the CPF I mean if you choose to touch it now for your housing there will be accrued interest which you have to pay back next time lah, so ya so I is shouldn't have the mindset that, uh like you know that that I can just take out whatever OA money I have now because you still have to pay back when you try try to sell your house next time ya


ya I think we mentioned right for housing


uh I understand also some people use their CPF saving for investment ya but I myself I'm not very uh knowledgeable about it so I didn't really touch it lah, my my for the money in my uh, SA ya


okay


what advice would you give to someone in order to reduce their income tax, sorry I start first oh okay I think uh the they must be diligent enough to apply for the income tax relief lah ya cause uh some people they just don't apply for the relief then they pay end up paying more tax


ya so like uh maybe have more children so that you can have the parenthood rebates, or you can you can choose to share with your spouse like how many percent ya so like me and my husband actually he take a percent a bigger percentage of the rebate cause his income tax is higher ya so I take a smaller percentage so you can decide among you and your spouse ya uh but there is also a working mum uh rebate


ya ya, then also if you get take care of your parents then your parents are not working there's parenthood rebate, if your if your parents are taking care of your children then you have grandparents rebate as well ya so I will I will apply for all these uh relief lah ya to deduction so that I end up paying less income tax ya


yourself ya every year yourself


okay ya so how would you make a financial plan for your family, ya thirteen thirteen, you mentioned already right SRS


[oh] okay sure thank you


negative experiences


for me I think is when I was in my youth ya where I started to uh get to know god and I wanted to attend church very much, uh but my mum really dislike me going to church ya so it I felt very trapped and helpless because on one hand I love my mum I didn't want her to feel sad or disappointed


but on the other hand I I I I knew god and I know that he is good and he loves me and I I really want to go to church to learn more about him, ya so ya it was it was a period where like if like ya like uh front back


also meet right in chinese they say ya so it's like ya I felt really trapped and helpless lah ya, but I think ya thank god over the years , my mum slowly open up and allow me to go, ya K


ya so for me will be some of the things in the past in my youth which my mum said to me


uh which really hurt my self-esteem ya things about me not being a good enough daughter or maybe also like uh comparing me with my siblings ya to make me feel that I'm not smart enough or like I'm not good enough


ya but I cannot really remember the exact words but because I think I have forgiven ya ya what how about yourself


okay, okay describe the saddest scene that you have ever witnessed


oh no and then


oh no, but do you know whether the girl survived, not sure


so scary okay uh, for me , it was watching one of my friend in coma ya so this friend is actually my friend when I was in NIE


ya so we were very close and even after we graduated she's like a big sister to me cause she's like nine years older than me, uh and NIE you don't really have much friends cause it's uh for me it was just a one year course but me and her we were really close and we uh hang uh we hang out a lot of times we do a lot of assignments together and all that so she was a very uh close like


older sister to me ya and and I think we also share the same like faith so uh we encourage each other ya so like after we graduated we actually uh kept in contact ya but , so like as and when we will message each other so I I knew that she was uh she had she had a child and she was trying for a second child uh but she had multiple miscarriages ya what about multiple miscarriages and


ya and I I know one of the child she actually carried all the way to twenty plus weeks but because of a fever, she she went to hospital and then she lost the child ya and I think after that before that all the all the pregnancy were like maybe like the first trimester she lost the child so that that one what she actually carry all the way to almost the third term and then she lost the child


so that was very uh demoralising for her uh she she was very lost in her faith and all that ya but, after that miraculously she had another child and uh by then she was already near her forties, ya and ya so this child she she actually took no-pay leave and she just stayed at home to like you know rest her body and all that and she ended actually managed to uh carry this child to full term so I was really very excited for her because she's gonna uh deliver


ya but uh somehow like near her her delivery date I started to like ask her have have she deliver and all that there was no reply from her ya until a month later I received a a message from the husband to say that she's in coma ya so I was very shocked and


I asked whether the baby is okay uh she managed to give birth successfully but the, but after she gave birth she started to feel some pain in her heart, uh and when she start to stand up to move she collapsed ya so


I think it was really very painful for me very sad for me when I actually went to the hospital to visit her to see that she's in like a a coma stage ya where she couldn't respond and she was just all in tubes and all that ya so it was like


it was supposed to be a happy thing but it ended up such a sad thing ya for the entire family for everyone ya, so it was a sad the whole thing was very sad and like at the funeral, because she was also a teacher, when I see all the all the messages sent by the students to her


ya like she has made such a impact in all their lives and to see her go just like that ya it was like very painful lah and very sad for me ya, ya but she never had the chance to to ya see the child grow up which were something very sad ya


yes , okay uh describe a time where you feel that nothing you do is good enough


I think ya lah when I was younger when my mum's expectation on me that I'm, I'm I just feel like nothing I do is good enough to match my sisters and all that ya


I think uh maybe growing up lah in my youth maybe , especially like uh uh when I had my first breakup with my first boyfriend ya in university ya then uh it felt like that at that time I wasn't attending church because my mother didn't allow


and I just feel like everybody has uh forgotten me and everyone was just too busy for me ya like even my family members didn't really care lah about me having a breakup and all that ya so I that point of time I felt really alone how about yourself


okay uh what do you often worry about, okay, so what are you worrying about so what are you gonna eat for your next meal [orh] okay okay


for me uh ya I will worry about whether I'm a good enough mother for my children ya worry about whether I'm spending enough time with them my family ya, K uh what's the saddest moment of your life


so you managed to reconcile with this friend, okay, saddest moment of my life I think uh like I mentioned just now seeing my friend uh pass away and also when my mum had cancer when I was in university ya ya it it felt like the world kind of topple like uh the thought of that that I'm going to lose my mum to cancer


ya but I I thank god that uh she managed to uh overcome and uh she she she has she's she's in good health lah today ya


uh ya ya we skip one question but it's okay ya, so uh so have have you


so so how how did you deal with the loss of your grandfather after that


ya uh for me uh, ya I have gone through loss in my life I think for me I think uh, the first time I felt really devastated maybe was my first breakup ya like I felt like uh I lost someone uh very close ya because we were we were friends for many many years so I I didn't feel like I just lost a a a


a boyfriend but I felt like I lost a friend ya so uh I think at that time ya lor it was like I I felt like like very very down, how I deal with the loss uh I think also that time I went for overseas CIP trip ya then as I went there then I see I went to Cambodia and then I went to an orphanage and then as I went there


ya the children there have like are so like uh they have like no parents some of them lost their limbs because uh they stepped on like landmine and they blew up on them, and ya they had like so little but they were so happy they were so joyful and I I I


ya it was like they have they have like, ya they have every right to be very sad over their life but they were so happy and so joyful I remember there was this session where we have a like a like sit down and then we give thanks for things


and then a child say he gives thanks for clap like clap ya like ya something so simple and they give thanks for like you know give thank for the give thanks to god for the for having hands to clap, ya so so I ya I think uh at that point of time what I realise that eh actually my loss like nothing ah there's actually so many things in life we can be thankful for ya


so I think god really like help me see things from uh another perspective ya to know that uh ya there are there are actually , uh losses that are more like people can feel like it's I think it's a change of perspective lah ya


they, ya they choose to be joyful so they choose to give thanks so I think I learnt to give thanks also ya, so that help me deal with my loss


ya, uh for me ah I I don't know my children sometimes uh when they aren't it's very late and they're not still not asleep


I don't know why it makes me feel very stressed ya like I feel like I'm not a good enough mum that's why they're not sleeping early ya, but ya and work lah work makes me stress especially if I have to work and then my children are around me and then I feel like I should be spending time with them why am I working ya that makes me feel stressed how about yourself


that's great okay


so what is the most traumatic incident you have ever experienced in your life, ya I remember that ya


oh no


!wow!


and and and there was an eyewitness right of the incident


!wow!, uh ya for, ya for me ya there was uh my daughter actually cut her chin when when she was out playing ya she she jumped on her scooter and she hit the the edge of a ceramic bench outside


and it had a very deep cut on her on her chin and we had to bring her to the A and E in the middle of the night and we stayed there till three four AM, and ya she had to stitch up the the wound because it was very huge ya I think uh when she was inside and she was screaming for me like mum mum mum mum and I was like outside I just felt so helpless ya it was quite a traumatic experience for me ya


K positive experiences, okay , so emily can you describe a moment when things turned out better than expected


hold on ah uh sorry ah uh the timer on the screen is not counting down, ya oh ya okay sorry can you repeat emily


so so how how did it actually boost your self-esteem like what happen


okay, so for me ya like I'm a teacher, ya so when I I actually moved house I actually uh change school as well to a new working environment uh so the new uh school that I go to is uh very different from the previous one I'm at so


the students were more challenging uh the the they are from uh like uh more challenging family background, so it was really uh difficult for me in a sense that at that point of time I also found out that I was pregnant but at the same time I had to deal with all the discipline issues uh students uh fighting in front of me while I was pregnant so


it was a very stressful period for me, ya but I think over the years in the school I I it turned out for the better because I think I started to , from being very discouraged I started to realise that I was placed there for a reason and I start to see that uh what I do over there actually makes a very big impact to the students


I teach because not all of them actually get to , learn things from from uh from their home background so as a teacher I'm I may be the I'm I I I play a very important role lah in teaching them the right values and all that so I think when I start to change my perspective I start to feel happier and I start to feel uh that uh what I do have


like uh more meaningful lah ya so so I I think that is good for me, ya, ya so like at first I was like very discouraged but uh I think uh ya after after that actually it actually in that difficult environment things became more meaningful for me ya


I think ya I think another experience is becoming a mother of two ya because like when I was pregnant and all that it was, it was difficult lah I didn't know what uh motherhood entails ya and and I remember after giving birth to my first child I I I was like crying very uh frequently because


it almost feel like you know you can get into like post uh natal depression kind of feeling ya but you know as as uh I learnt to embrace this new role and see my children grow up, ya they actually bring a lot of joy and they teach me a lot of things in life as well ya so uh I'm I'm very glad and very happy ya for these blessings lah ya


uh you start first


uh ya I think ya being affirmed at work ya uh it's uh cause like sometimes you at work right then you do the things and all that many times it go unappreciated but uh when, you know my uh uh people come to me and tell me you know they are inspired by what I do or that uh what I do is making an impact I think it uh reaffirms reaffirms my belief lah then it it's it's uh


quite ya it's nice lah nice to hear people affirming for your, okay so so what's the happiest moment in your life


ya ya knowing god uh my wedding , ya traveling together with my family ya and I really enjoy all the travelling experiences because I believe that we make memories together whenever we travel


ya, ya so looking forward to traveling again after this COVID, ya


you go first, !wah!


ya, uh ya so , ya during honeymoon also like our first time travelling just the both of us and then we went to Europe and then we kept getting lost and throughout the whole honeymoon trip we spoilt three luggages


ya so like along the way we keep changing luggages and we have to, pull all the faulty luggages with uh broken wheels around ya that was very memorable ya , during our recent Japan trip with my family my husband actually lost his uh backpack with a new laptop inside ya and it was like because our first time travelling to Japan and then we don't really


speak japanese that well and then ya we put the backpack at the top of the uh train, and we just totally forgot about it and we were like so scared so worried but , uh ya uh thank god for very good airbnb host and then he really went out of the way to help us find and in the end our backpack was found some at the end of some


some stations very far away ya but the singaporeans uh the japanese was so honest we managed to get our backpack with our all the uh belonging all intact, ya and also in the same trip I lost my money pouch


ya I lost my money pouch and uh there were quite a few hundred dollars inside and ya eventually we also managed to find it so we were like so impressed by the honesty of the japanese they they didn't even ya there's nothing except money in that pouch but they didn't like take it for their own ya


so that's memorable and lastly uh ya skydiving too uh ya twelve thousand feet I, uh I can't remember ya so ya I did it because my husband say it's his bucket list and he will only do it if I do it with him so we all pushed out I was pushed down of the plane ya it was very memorable


ya okay, uh so what is the honest or most unique compliment you have ever received


toes toes okay


ever received ya someone told me that she feels that I'm a like a bridge that links people links people to god ya so it's like me a bridge okay ya so he say that ya because like sometimes as a bridge right you may be like


trampled on and all that ya so sometimes people are mean to you and all that but uh as a bridge you serve a very important function of uh linking ya people to god ya so like it's like okay ya quite unique ya


K, thankful for all the uh relationships in my life that god has blessed me with ya thank thankful that I get to know god thankful for my uh family ya the family and my parents all my friends thankful for you


ya thankful for the life lah, ya what about you


ya, yes okay, uh what did you use to hate as a kid but now love as an adult


I think as a kid I don't like being alone ya like like ya when I when I cause the age gap between me and my siblings are quite huge and then , ya so uh sometimes uh I remember when my sister when my second sister went overseas to study and then my brother was in army and then my eldest sister sometimes had to go to uh university to study then I will be like alone at home ya with my helper


I didn't really like it ya but I think as I grow up I enjoy the me time lah maybe because like now very occupied with children ya so just like being at home alone uh just being able to wind down and like spend time alone I think it's quite enjoyable ya


ya, ya I think as we grow older we enjoy the time ya that we actually get to be alone and ya do our own things ya


my best birthday present uh I really like, uh this the card which my husband gave me last year for my birthday ya it was a card that was done by uh both my children and him then each of ya so each of them did one page of the card and then the last page my husband wrote a note to me lah


I don't know why but when I receive the card I cried ya because like ya like my my baby my baby was just doodling with different colours but it turned out very pretty, and then ya my my my daughter also did something ya then my husband drew his uh very signature


a dream house with like meadow and all that like the cartoon cartoon kind but ya it was like very, I don't know why I was very touched when I received it's like a card that is that was made by all my loved ones ya


ya correct


ya ya actually the best birthday gift sometime is intangible like the time spent and ya the people in your life, okay, biggest blessing in disguise actually I think this COVID is like really quite a blessing in disguise I mean like it's like the world's one of the greatest uh pandemic but at the same time during circuit breaker get to stay at home to really spend time with the family and


work from home I think, maybe after this COVID is all over uh we'll miss this time where we actually get to just you know be at home with our family ya


oh yes true, ya ya I, I I do hope that certain things like


uh that was introduced during this COVID at the workplace will continue lah ya, okay, uh so what is a comfort food that you can always rely on to cheer you up


I like red bean and matcha, okay


okay ya actually when when I'm hungry any food that I eat you see are ya if not I will I will become hangry , ya correct true ya


uh I think I love myself for being able to, uh empathise with others and to be relational, ya like uh like I value relationships and like sometimes


being able to talk to people , somehow I don't know why people tend to be able to open up to me quite easily ya to share quite intimate stuff even though I may not be like very close to them, ya so I think ya when my husband tell tells me that it's it's something that uh like maybe like a gift ya that that that I I I I uh the god bless me with


ya so I I uh I thank god for it lah because I think also like sometimes at the workplace, when I talk to students about their problems and all that they also do open open up to me ya so it allows me puts me in a position where I'm able to share and uh give them some good advices lah


thank you , yourself, what do you love about yourself


ya, ya it's true receive so much love from you, ya and you're also very generous and giving


ya okay so uh who in your life do you look up to the most and why


I look up to my bestie , ya my bestie uh ya is a very generous and kind and loving and very giving person ya ya, I I think you know my bestie lah ya you can uh ya my bestie uh is uh ya you so ya so ya


thank you for being in my life


financial related topic


okay, you go first


okay first of all I think we must think of when we wanna retire first right then at this point how far away from retirement so that's where we can uh stipulate what are the expenses uh needed and what are the sources of income that can support that


so what about you, how do I invest first of all I have to make sure I reduce my debt first, or minimise my debt


so that will include home loans car loans whatever loans, and uh credit card I guess we have to make sure there's no debt for credit credit card so every month you have to clear all your credit card bills what about you


so what's your risk appetite


have you heard of uh REITs the real estate


ya so actually recently that's why I was reading the REITs ah remember for my ex boss so, so apparently it's it's more diversified way to invest in property because I'm sure not everybody can afford to buy two or three properties then uh else


apparently according to the recent lah, uh I think most of them are the retail malls properties in China


ya, but apparently the yield is still quite good the dividend yields is about still six to seven percent


but apparently K ya must look at the trends I suppose


and recently a lot of people are talking about buying what SQ shares or whatever shares, SQ shares and stuff, ya


ya !oops! I thought I already off the notification, brittany I think I've got a notification that just came in


can is she still there or do I have to put in the chat, no it didn't, okay alright sorry about that


okay so tell me okay let's talk about retirement ah let's talk about question number eight ah what advice would you give to someone to retire comfortably ya


ya but some


ya in fact I think that is the easiest part right as in defining what you want, I think the challenge is more of the assumptions behind especially when we plan, retirement now, like there's we're like just midway right so that's forty fifty years to go so the kind of assumptions behind income behind


your health status and everything else that part to me is the difficult part so which means we have to rely a lot on our current resources first so that is the safe bet mah whatever we currently have instead of whatever we think we will have in future


ya so, so planning is important right


but I find it a bit different for corporate corporate management because we know , like you're still fighting among other business units for a bigger pot of money so it's like negotiable whereas personal financing it's more finite lah so to speak


ya so so how different is your financial planning now versus five years ago, but shouldn't be what I thought financial planning it should evolve according to your life stage according to


ya


okay, yes, extra income that's why you have to okay first of all understand what are the different opportunities out there quick win


it depends on the risk appetite as well whether you're you're willing to or you are ready to risk that principal if not then have to go for something very safe ah, like nowadays I think there's a lot of uh fund transfer kind of uh short term benefit


so I think recently one of my friend was sharing usually is the priority uh club lah, so if you transfer a certain amount for just three to four months you get a couple of uh thousand dollars so it's quite a short and quick win ah


then after that you can just bring your money to somewhere else, so usually I look at those which low risk ya low risk first which you don't have to worry about, your principal risk of losing the the principal amount


ya I think uh that's why have to kind of make the money work harder now rather than sitting in the bank, ya, but not using it to I mean if the returns is higher than whatever interest you are paying for your loans then your you should keep your loan and reinvest the money ah


K, do we have to complete the twenty minutes okay, okay so how do you spend money


okay I think it depends on the ya it depends on the cost involved lah and the the ease of implementation ya so I'm trying to understand whether can buy REITs on our own instead of going through


no lah they can't do that what they can't do that, they because they're supposed to come back with the proposal and you are you know you have to okay the proposal ya


I financial , jacqueline ah eh sorry not supposed to mention names , not really ah but she's more on financial planning not really advisor


ya I used to have one very good but he left too bad then not so, !huh!, now that that's why the the the RM must be proactive you see they they actually have access to your finances so they should be proactive to tell and and know your risk appetite so they should be proactive in proposing things that think you will agree to lah


to help you make money ya so if you know it's not proactive than there's where no point having the RM as well, okay almost there final question


ya lor that's the question that I ask you earlier on, K for me !huh! what, one financial advice that you gave to the youth five years ago five years ago kids still young so it's still


about savings and uh making sure I manage expenses, ya ya so ya, ya so not so much of high risk investment ya but I think as we grow older the kids are young uh older then we can look into a bit of mix of a bit higher risk and uh some more stable investment


okay we can see her back on screen so we are almost done, done


stop okay !huh! stop [ah]


K, negative experiences, K let me let me read the question inside


so is there a situation !huh! [orh] you don't want to do the first one, oh I'm fine


which type


really


K for mine I think I don't want to share here on this point


okay what else ah, describe a moment when you thought you were treated unfairly


(hmm) don't like to talk about negative experience !huh!, which is the most positive out of this [orh] what keeps you awake at night , I'm sure you know one


ya so okay


okay on that point that's why I you know I think I I've shared that I have always worry quite a bit I think women in general, ya I think so so now I try to break it down to make it more manageable in the sense that whatever I I feel it's within my control


by right I shouldn't worry and and, like like for instance the the job thingy right so yes uh we as long as we try to find something or we put in efforts


and uh we still find or or keep looking out, for other sources of income or somehow or rather cut your expenses so try to make things work lah so it's something that is within control ya so so like actually one of my friend


so likewise she is not working but she know clearly that uh she she don't want to even spend time to look for a job she this period she just want to the focus to enjoy the the moment with the the girl one and only girl that she has lah


but of course having say that she have already planned before she make the decision she already know she has enough, savings or she will find other ways to to get some form of income, to bridge through this period ya so those are the things that's within your control right so but things that not within your control all the more ya I'm trying to


avoid thinking too much like the kids' future, as in like you know in future am I supposed to make sure they have a roof, ya and their their studies whether if they can't make it locally you know are we supposed to make sure they get to study overseas so I think I've learnt not to think too much about that and we