in seventy seventies lah in the seventies lah primary one ah in the seventies so, ya that was really an experience for me also I do not know really until now ah I don't know how did I manage ah, to get back home from my school because it was first time I walk ah


I don't know [orh] did I see the road sign or what and knowing that uh, ah just tembak I think just tembak lah you know just use my instinct lah how to get back home, ya , ah ah


okay okay


ah okay , ah, ya exactly, ah uh ah , ya lah after we ah go it it exactly ah okay


ah okay okay, I agree with you agree ya I also I agree the, the people I cherish most is my mum because uh


uh single handedly ah she brought us up ah eight of us, ah, so cause my my dad passed on when I was still, uh, three years old so ah so she brought us up ah


eight of us she never remarried, she got herself to work ya solo, solo she got herself to work you know she, no at that time you know uh she she has no basic education but she tried her best ah to do what the all the odd jobs ah like help the you know now now uh you know SATS catering ah last time they allowed people ah singaporean ah


uh who are able body to just work there you know you don't have any formal education but now is different ah so she has worked uh she go around and , you know try to get as as as as uh, I know what kind of job that she can can do ah like cooking all these ah


and then to brought us up ah so I will always you know cherish her, treasure in fact I I uh I told I told I, to my my wife lah you know this is uh my mum is a very important person in my life so she she she understands ah which who, who I prioritise in my life lah so


uh I will never forget that ya ya


other uh, uh uh uh


!alamak! this one ah, a song lyric I can't think of any ah there's a few songs that I love eh, but uh I can't remember of any best song lyric


[orh] okay okay, ah


true yup yup, ya correct correct correct, ya okay understand understand going


okay okay okay ah ah K push


any special concert or event ah, K lah, I I, hardly enjoy any concert lah, K but event yes event ya I I I I went to a couple of event lah those major events ah even I I directly involve in that event ah


uh but concert ah so far ah frank frank with you only once I went for a concert, you know what concert is that, is a rock concert a malay rock concert ah, the search at the wing concert, ah legend, ah that's the only concert I went ah but if talking about event


ya lah our national event I got go lah ah this one, ah what ah uh, but concert I know I I hardly went for a concert ah, uh maybe you you go for more concert than I do lah that that's definite lah


uh ah


, ah uh uh uh uh, but I think ah life now ah is not about being a millionaire ah bro, is more than that ah right ah


so if we were if I were to be a millionaire ah, what I would do ah I think I'm going to spend my life, just like what I'm spending now I'm not going to


because what I'm ya I think I think, I think life uh what how you see it ah, being a millionaire or not being a millionaire, it's how you see life ah is is I think is not about everything is about money but of course if you have more


one thing that I would I would, wish that I would do uh that I can do is to, help others ah ya that's the, the that's the only thing that I wish I can do lah you know, uh that's the only thing that I can do cause we we we we we are not


we are not saying that singapore is a is a developed country ya it doesn't mean that they are, are not (uh) (uh) many people who are struggling, [ah], in fact there are people outside there stop recording


okay, part one finance


(ppc) okay you want to go first


are we start with debate with first one


(mmhmm) okay,


uh on the power point about one the, how do you invest your money to accumulate wealth and slash or planning for your retirement I think I think it's important to start from a early age because of


the the power of the compounding compounding interest uh the earlier we start the better this as say you know you can compound more over the years and can in the end, have greater amount lah of whatever that we first invested uh


I also feel like, there's another thing that, is a not really, aware to most people is that uh the effect of inflation


so let's say like when you start of investing, and let's say like thirty years down the road, that same money the the purchasing power, will be still similar later later when it's thirty years down the road


you, you get what do you mean is one of your points you also uh, ya I think use you shared with me (ppc) that need to, outpace inflation so you can maintain your purchasing power am I right


ya so, ya it's important to know your market well so like you need to know like whether your investment whatever you're investing whether the the rates are actually higher than the inflation rates or is it actually like compounded or even lower because even though


in your according to you, your money is increasing but later thirty years down the road, even if you have a lot of money like during that period, uh you might not have the purchasing power, so it's not like really a increase in (ppc) wealth


you know what I mean, one example I'll give will be the, the chicken wing example, so let's say like twenty years ago few, okay not twenty ten years ago when you buy a chicken wing from a local store


was about one dollar, or eighty cents, but now, the price is about, let's say from old chang kee chicken wing now is like about one dollar sixty cents or one dollar seventy cents, so what what we can see here there's a


increase of, hundred percent in terms of a change of the pricing, (ppc) so we cannot obviously say like in ten years old itself, inflation is like, having a great, effect on


ordinary items so what about our investments and wealth , so it's important to make sure you know where you investing your money properly so ya that's what I would say about point number one lah, okay let's move on to the second topic uh


what strategies would you recommend to someone planning for their big ticket expenditures so you want to start first


so you're saying that uh like people starting family or buying car house is it is important to, save is it instead of spending okay


greater good okay, , I'll I'll agree with you is a is actually like, what you said in point number one (ppc) right now we have the we have the uh we is less risk for us do you know


and to save and rather than when we get old and then we actually, play around with our financial the savings and all


as for me what will I recommend to someone planning for their big ticket expenditures I'll I'll recommend a really monitoring your, income like uh, monitoring the to the the spending spending of your income


like uh we should really watch where you spend, must uh take note of all the even if it's the smallest of the uh expenditure it's important to take note and then, it's very important to plan ahead about what you going to do with your income like uh maybe approach a pie chart will be good like to say like this percentage it will go for savings this percentage it'll go for


uh for the house this percentage will go for uh, marriage and all that so I'd say like for me uh I'll I'll say like big ticket expenditures will include cost of a marriage a house and then followed by uh having a car


so is important to, choose wisely like what kind of uh uh like, for example if you want to buy a house you must really choose the house properly like you must choose the house that is uh within your means like you can afford it like uh the monthly installments and all that


must uh really look at your income and then like plan wisely


okay you want to talk about that


one one topic that interests me is the what are your thoughts on CPF contribution


so there's a from what I've seen there's a lot of mixed reviews some say is needed some say is not needed, uh some say is like (hmm) surrender like enforced by the government that


like you have to save uh my my view is that it's a good initiative, uh I believe in sufficient retirement funds , uh when you're old so that you can you know take care of yourself,


about CPF contribution, CPF is actually can be use for various stuff like importance stuff like housing education and all that , for housing housing is a one of the big ticket expenditures so most people the starting stages when they starting of family is actually uh is very hard for them to buy houses and CPF they offer like CPF loan


housing loan and all that, and, I would say like, CPF is a, is helpful but it's important to know, like fully how it works cause


uh a lot of singaporeans are not aware like fully how it works so, let's say when you buying a, house or something, uh most of them will I think opt for CPF loan which is which is not bad ya lah I'm not saying is bad uh


uh let's talk about grants, when let's say if you want to get BTO, for BTO, the type grant that are available, uh the whatever grant that they offer it might sound very attractive at first


but the thing is these grants are actually not given to you straight, it is go into your CPF account first and is withdrawn from there the thing about CPF is that once you you touch the CPF money to pay off


for something like housing (ppc) you have to pay back in the future along with the accrued interest, uh, this I wasn't aware at first until like, it it wasn't like out it wasn't put out there like


you have to have go and read about CPF then only , uh I was aware about this, so these grants are like, uh you must really choose well if you if you're willing to go for the grants or not and ya so overall CPF I think it is


actually good and beneficial in the long run ya you you want to start a new topic


okay


, , okay ya


I'd like to add a bit more on the CPF contribution, so my mindset is like I'll try my very best not to touch my, CPF uh balance you know if I can go for bank loan I'll go for bank cause I want the money into my CPF to compound and you know increase over the years so I was having this mindset at first so I was thinking like


by the time when I retire the I can you know my CPF retirement account will actually have like uh quite quite a bit so that uh, I can hit the retirement threshold for our age and then can withdraw the rest out and use that for my retirement life but


after further readings and talking to people I came to know that ya the, CPF interest rates actually like won't really it's not really that competitive compared to doing your own investment so in the long run even if you actually


compounded compounded a lot of money in your CPF account , uh according to your age group the retirement sum will actually just be increased to a higher levels in the end you'll be only able to withdraw a certain amount of money which might not have the purchasing power that you were expecting


and this is I'm talking about this is like when you're fifty five or sixty five years old by the time it's a bit too late already you can't really change anything much so uh, what I'd say is, uh CPF for CPF contribution you just have to be


really you have to really do your uh homework and, really research about it and, and think what actually do you really want to put your money there or somewhere else where you can have better returns, ya


(hmm) let's talk about credit card do you think you should own a credit card


I agree with you on your point about the tracking your


expenses is a when you have a credit card it is vital for you to be more responsible compared to you know when you just having a debit card cause a debit card you can see your funds going down but credit card you can't so


there's this uh, you you tend to be in a delusional world where you know, at the back of your mind you know like oh uh, you won't you won't have the feeling that your money actually getting depleted you'll just you'll just have the feeling oh we can just pay later we can just pay later so I feel like is a very important to have a great responsibility when you actually have credit card


and all these uh sounds very negative of credit card but I think overall credit cards actually quite positive because compared to debit cards credit cards actually offer greater cashback and and uh more advantages compared to


debit cards like like a lot of offers you know most restaurants stay , I think they will give you offer such as one for one for use a credit card there, so I think, if you are able to be responsible I think having a credit card actually a good thing


I think I'd like to talk about, (hmm) what would some advice I'll give to someone to reduce their income tax ya so for income tax uh there's a lot of different type of reliefs and


I uh to, of of the top of my head the one that I can remember that is the most beneficial one is the parenthood tax rebate, so this is a rebate I think


like uh when you have kids you can can actually get this relief and is a quite a huge amount which I think can probably cover your income tax itself so it's quite a beneficial, K let's uh wrap up so overall I think uh Hamzah shared some great points about uh finance


ya Hamzah any comments


part three negative experience,


K


uh let's talk about the time when you felt trapped or helpless, sure so, I believe like when you're younger your emotion


are more wild and, and more, traumatic I'll say, so I'll share with you a moment where I really felt, trapped, so back then when I was young


the lives they don't have those windows, uh just a enclosed, case, can't see anything except for blue walls, so I lived at the sixth floor or fifth floor so I took the lift up to the fifth floor (ppc) around third or fourth the lift got stuck


lift got stuck all you can hear is the fan and was a when the lift got stuck was a loud noise plus other the vibration and I was alone and I was really feeling trapped and uh helpless


that time all we didn't have a mobile phone or anything so all I can do is just press the the alarm and even when I pressed the alarm was so loud I was even more scared so, I just really feeling trapped and helpless and in the end I got out uh after pressing after holding the alarm but


then I think the lift just restarted or something then everything was back to normal the second the doors open ah I just ran out ya ever since then me and windowless lifts don't go well together ya


let's talk about popular foods that, I dislike and ya, so uh, popular food, would be Sushi, Sushi is quite popular among all my friends all of them love it


whenever we go overseas, I think it's like a compulsory thing for them to eat Sushi, and I'm I'm okay with it, it's just that the seaweed, I really hate seaweed like, is I


I think as my first seaweed was in secondary school , cause I keep saying people eating this this giant A four size black colored paper I was like what is this okay let's try , then my friend say oh seaweed then okay sure let's try


!wah! uh it was damn bad I was like uh like I have to like buy, some drink like a lot of it and you know you have to drink so that can remove the taste from mouth and


every single time people will be like what's wrong with you like everyone like seaweed why you don't like , like I'll like okay okay I'll try it again, like to you know, maybe if I keep trying maybe I'll like it, every single time I try I just hate it more and more ya


so I I've reached the point where I really like, uh lost hope for seaweed already so, that's one of the popular food that, I don't like and because of that most of the Sushi items also I don't really like


ya if I have to eat I'll remove the seaweed and eat but they dislike , a bit weird cause I think seaweed like the main, thing about Sushi people like so, yup that's the food that I


is there any topic that you want to talk about, honestly I can't remember of the top of my head, ya


is most of them is like in the moment , it's like unexpected thing so like I can't really


so I'll talk about something that I often worry about, uh one of the biggest thing I worry about in life is a, failure like, failure is something that I really despise


there's a lot of uh sayings out there like you know there's no success without failure, the, master has failed more times than the beginner that has ever tried, but, to me even though I read all this I still like, let's say if I failed something I just won't be able to take it


like uh, I'll be quite hard on myself so like I'll be like oh why did I fail like you know, like I won't be able to take it then I'm I'm not very, chill about it exactly uh


and I'll go like, a bit crazy how to say if I you know, failed something , one example would be back in, back in the time when I was serving in the army, uh there's this uh marksmen


marksmen test so is a shooting, shooting range uh test, and this test you only have a one shot, there's only one shot at it so it's either you get the marksman badge or you just


don't get it's a once in a lifetime opportunity so you have to score I think above, twenty eight out of thirty six ya, and I was really really determined to get the marksman badge


uh cause I really like, enjoy shooting and and all that, so was a I think it was day to night shoot, so it was a long day we have to shoot in the day first then in the night so during the day I think


I did uh, I managed to do enough so that I can get the batch but if I miss one more shot , and I'll I'll lose the batch so for the night shoot I only can afford to miss, one


uh actually no sorry I say wrongly, for the night shoot I'm I'm not, able to afford to miss any shots, so I was really determined to get the batch I was like okay cannot miss any shots, then during the night shoot, I think I was very focus on


hitting all the targets but the very the very last one, I was like okay this is it if I shoot this I'll get the batch , the very last one I I missed the shot, so once I missed a shot, the target didn't go down then I was


my head just exploded was like damn it, yes is the last target how could you just waited the whole day for this then I flopped at the very last moment, so I was very, I was getting crazy so I just uh I from my standing posture I just


I kneel down in, in a regret, and my sergeants started laughing at me cause he knows I take everything very seriously and to him all this is just a easy stuff like you know like chill stuff then he start laughing at me uh then I was I was just very pissed


then I think after that I was like a bit emo cause I know this opportunity will never come, but then uh, my uh, officer commanding


actually told us a good news there's actually a second shoot for us cause a lot of people did quite badly so, uh he actually pushed for the second shoot and this second shoot, I really like (hmm) motivated myself, I calm myself down


and really like, uh try to train, as much as I can before the shoot, uh by just holding the weapon like during my free time I just hold my weapon , and just uh practice on my stability and then in the end I got the company best shoot award so


success uh, does come with failure ya


do you have any topic do you want to talk about, I actually don't really I'm not really into hitting game like it's very hard for me to hit someone


uh dislike ya I'll try to stay away from people I dislike so I'll talk about dislike I dislike people who are selfish, (hmm) like, uh I don't think so it's a very good trade


to you know be selfish, there's there's certain extent you can be selfish but , above that I think is just a toxic to be selfish, and I definitely hates snakes, ya


uh I believe in honesty, like, in everything you do the type of work you do, type of a friendships you have, it's uh important to be honest and you know


any topic that you want to talk about


mothers ya might as well


I only had fishes as pets, and most of them died, but wasn't that sad cause, uh I always thought fishes dies quite early so


I had it at back of my head, uh wasn't emotionally attached


part two positive experience


I think you can start first, ya


ya I think for me I would say my childhood was also quite uh interesting during uh my primary school days I think I I went for three primary schools, ya so at that young age being constantly move to a different environment is quite interesting cause just meet different different type of


kids and ya all of them react differently my first primary school I think I was uh I was quite quiet there, I was so quiet that the teacher just give me a model student award for I think just doing nothing ya


so when I when I went to my second primary school, uh my form teacher the the the day that I joined was the day they were selecting for prefects and my form teacher she saw that certificate so she probably thought that I was you know the right material for being a prefect


so she immediately appointed me as a prefect in the new school and it didn't turn out that well because, when you see a new student who just entered from somewhere and he just immediately have a alternative position I think like there'll be a backlash


kids so ya I was uh at first it was a bit hard but ya uh, got used to it we all become friends we had a great time during primary school ya


okay ya, nicest thing someone has ever told me


, it's not a, okay I don't know whether this count but someone said that my bike looks nice I feel like me and my bike are one so when they say my bike is nice I feel I feel like is a well appreciated yes so that really made me happy ah


ya yes I am ya, what about you what's the nicest thing someone has uh told you


actually this reminds me of another thing someone ya it's a nice thing that someone told me so remember I said that teacher who appointed me as a prefect and things didn't go well at first, but the last part went quite well and I think I was leaving early uh the PSLE finished already by the time and before the school ended I was leaving to go for vacation already


so I think the whole class had a like a sendoff for me or something so my teacher got me a scroll this scroll is like it just is a nice scroll and then it has a poem inside and in the poem it says, ya you're the work uh work you're the


art work of god then I was like what when I was young itself I was very, taken aback then I was like no no no this is uh too much ya, so actually that was actually very nice ya


okay, ya for the for the P six kid ya ya okay,


thankful for (hmm) do do you want to go first


that's that's actually very nice


K yes go on to, what is a skill or a ability that you're secretly proud of having


my skill that I'm proud that I'm, that I have is the ability to see through people and their emotions so, let's like, if someone is feeling down or, or someone is going through something


I can actually like, see it sometimes they are actually very good, uh they won't even, show it through their face but, just through the behavior, I'm like able to decipher, and would


you have the ability to actually know what's actually going on, ya so, this is this I'm secretly proud of having ya , ya


K let's go on to the best birthday present, okay I'll start first so


when I was young all the birthday presents I get were pretty crappy, uh I would I would say, two of my best birthday present so when I was like very young let's say like P two P three I actually received a book from my mother's friend


uh is the book name is uh tell me why so it's a no is more like a encyclopedia it's a it's a book about


uh the physics I say like you know uh like why this happens why that happens why do people sneeze why why is the sky blue color has all the different type of questions like interesting


interest uh questions out there so this book, encompasses all these questions so when I was young I really hated books I just want my toys like you know cars and all like don't don't get me a book I will be pissed off, so when


my mother's friend got me a book I was just very like uh like I'm a kid why you getting me this I I already got so much to learn at school like you know it's my birthday just get me something fun but then once I start reading it that's when my mind opened


and I think that's my uh the starting point of my journey towards my passion towards uh science and physics cause the book was really very interesting also interesting had all the different type of uh phenomenons like


why this happen why why this happen why uh our blood is red why why is this why is that so I eventually read the whole book and really had like a good time , and ya I would say that is like one of my best birthday present cause that really inspired me to


become who I am today ya the second birthday present that I really like is uh is from my father he bought me this, a Lego Mindstorms is actually a robotic kit so you is you know you know Lego right you just have to build your own blocks and it's a robotic kit so it has all the motors and sensors and the controller


so you can just make your own robot and programme it, so I receive this present when I was in P six in P six I wanted to go to I think Fuhua secondary cause they offer robotics program there yes really interested so I applied for


DSA direct school admission I went there by like zero experience in all this because I had nothing to work around with, so I went there and then like they gave me the set they say create a robot that can follow this line then I tried my best but in the end all I made was uh I think one base with wheels the senses anyhow attached


and computer program it was like non and then they ask me like uh why did you uh why why did you come then I was like I'm just interested then in the end I didn't get the DSA ah, but then I think my father the next day he went to buy the same robotics set that you know the school used then he gifted me ah it was actually pretty expensive it was around five hundred dollars and


all my birthday presents will like below hundred dollars only so for for the first time he like spend so much and I was, I was feeling very grateful, so (ppc) ya say that's one of my best birthday present


I think you can go first


this reminds me of a quote quote uh


life is like a roller coaster full of ups and downs but in the end the ride is fun ya, uh


uh, for me the most important thing is freedom, so like uh, this is somewhat linked to the thankful point the what're you thankful for like


the most the most uh important thing about life I think is freedom the freedom to really do what you want and I really love that about life, like uh, the feeling of not being restricted


you can you know you can study what do you want you can go and travel wherever you want, and, this kind of uh benefits not everyone will have so, I'm thankful that I have and


this the most important thing that I love about life I would say, ya K, okay let's talk about our favorite childhood food or snack


I have a lot of things in mind but (hmm) can't really pinpoint to a particular food


I've ya I've encountered that, eh


ya maybe maybe maybe ya that machine are coded to like, you know make sure, there is no chocolate in every one in a hundred or something


ya you'll never you'll never know


okay, oh for me is, me my sister and my mom we're all crazy about KFC zinger burger , with cheese rice so this is our go to ah when we were young


like, ya is damn good and sadly now we can't enjoy it (ppc) at (ppc) at the same as uh the taste I think, have changed or something so ya ya that's about it


oh part one


okay which topic do you want to start first


okay, how do you invest your money to accumulate wealth and planning for your retirement, uh, okay so I think uh in terms of investment is better to start early when we are younger we have the because we have the allowance to make


more like riskier investments compared to when we are old likely to be a bit more conservative in in the type of investments


and also I think is necessary to know like how much time we have, between now and your expected, uh retire, retirement age so, we need to give, so that we can account for the


inflation and other like unforeseen medical expenses or something like that ya, uh, uh, okay do you have anything to add


ya


ah ya sure, so I guess as everyone should one of the biggest strategy is to like save early itself like have a proper like savings plan and if


you don't exactly have the discipline to like save I guess you can enroll you can start you know you can start off like join in a auto savings kind of like programme I'm pretty sure it's available in like most of the, banks ya, you can do that and also to prioritise your uh


expenses as well your needs and your wants uh that is pretty important because you wouldn't want to like spend on unnecessary stuff at uh, the earliest stage and then you wouldn't be able to uh save enough for these kind of big ticket expenditures


ya it's like forgoing something small for for the, bigger expenses ya, , ya


and also I guess like certain things that okay since you mentioned like houses and, stuff right I guess you can like tap onto the the the grants that they're being provided by the government so I guess that would like greatly reduce your burden of like


uh in terms of uh paying back, for your housing loans and stuff


okay so shall we, actually I think question fourteen is like pretty interesting like what's one financial advice that you would give to the you five years ago, uh ya sure uh I guess like


investment is I think investment like knowledge is pretty important, like so I guess five years ago I'd definitely tell myself like maybe read up on it at that very early stage itself like not when you just not when you're just entering the workforce


like I'd I'd definitely say like maybe when you're in your university years you can uh that there is a lot of time to like improve your financial knowledge ya, and definitely one of the advices that I that I keep hearing from everyone is that we have to start saving early itself and then like prepare beforehand for your retirement


actually I have a few more thoughts of about CPF contribution as in these these are some stuff that I actually just like read up on so , for some people who have already had good , knowledge on investment and the stock market and everything they uh one of the points that they address is that uh all the amount of money that is going


for CPF right they believe that actually that money could have been used, for a better investment which will give you better returns like greater returns than what CPS sorry CPF can uh give at the end but I guess like this is more this more of a social security savings plan so


I guess it like you said in the long run is pretty beneficial but there're also restrictions on like uh how much money you can like the there's a lot of like withdrawal restrictions and stuff, ya so, but overall I think it's it's a pretty good scheme especially with really good uh


ya, okay so do you want to move to a next topic


okay ah that's a I mean I think it's a very common mindset to think that when you are owning a credit card you tend to like uh


make a lot of purchases but I guess it comes with a lot of responsibility like uh and it depends on like uh, where and like like when you are using it and what kind of benefits uh


like can you get like one of the benefits is like you can get cashback and stuff I guess whenever you are using credit card you need to use it like very responsibly like you should really uh periodically like check your finances and also track your expenses properly


okay


nah I'm good ya I guess that's about it


part three negative experience


do you want to go first


okay actually that's pretty traumatic for a small kid ya


okay, so my turn my mistake uh something similar to it like when I was younger like I, uh, you know Mustafa right so it's a pretty big like uh shopping mall and all so I got lost there


I have no idea where my parents were I was very small so like all the other uh like every other human being felt like giants to me so I couldn't really like and and it's usually pretty crowded on sundays and I got lost on a sunday so uh


and there was like too many people it was very crowded, constantly surrounded by people so I felt very like trapped and like I'm like just looking around for my parents there's no like I don't know


I was just hanging around in that place just finding for my parents but uh at the end I managed to find my parents ah, ya so wasn't that bad started crying and stuff uh I guess that's where my my fear of like very enclosed or like you know crowded places came from like I'm a bit like claustrophobic


ya, so I don't like it when like there's too many people around me or like it feels like I'm unable to like breathe properly like there's no oxygen, then ya ya


so that's my experience, okay, so, is there any particular topic that you want to talk about


(mmhmm)


okay cool, uh, okay so I'm I'm not sure if mint is considered like food but that is something that's like pretty popular like almost everyone I know is like pretty I mean


most of them like mint and almost all of them are like at least okay with eating mint but I am I cannot stand mint, like I I really don't like the sharp


minty flavor in my mouth like really triggers me a lot so like even uh when they're sometime most of the bubblegum flavorings have like mint in it but , I think I've improved a lot over the years like I'm okay with eating mints that have like a maybe a bit of fruity flavor so that is bearable for other than that mint is like a go a no go


what always brings tears of sorrow to your to your eyes


okay then uh okay uh, I guess the death of my grandma was pretty like, it was hard hitting cause she passed away uh when I was very young and at that point of time I don't think I fully understood the concept of how death works


like I was still pretty naive so like I've never experience death before that so when it uh when it actually was, uh when it actually happened it was pretty traumatic uh


ya I mean I don't remember crying a lot but I remember being like fairly depressed like fairly depressed I was sad for like, a lot of months before I actually broke down and cried fully like fully


experience grief at its peak so until that I was still I was still in some sort of like denial stage like trying to accept that okay this person this important figure in your life is no longer going to be part of your life anymore so and and she


and she is a, she is a very impactful figures in my life she's very she is a very inspirational person the kind of struggles that she has been through throughout her life like, how she has overcome those is is extremely inspirational like I just wish I could be half the woman she was but ya


but her loss was pretty hard hitting at that age so, uh it took me a lot of time to like get over it fully like fully processed the grief but uh as in whenever I think about it definitely there'll be tears of sorrow and stuff ya


cool okay what do I often, worry about, okay I guess for me, one thing that I constantly worry about is that uh people


like my friends or family or anyone close to me like leaving me that is like a constant worry for me ya so like the previous story like my grandma passing away and stuff that that was a bit hard hitting so like


I guess it kind of like came from there like the whole fear of people leaving your life, ya but I guess relationships are like built out of like mutual faith and respect so I think


it's necessary for me to also have faith that people wouldn't, leave me ya ya okay so another topic


what kind of person do you hate the most


ya I mean I would say the same too like something that I really hate about, uh there's and if you ask me if there's any particular trait that I hate about someone would be , uh if they're dishonest cause that is like pretty important to me like is is like by being dishonest you not only being dishonest to the other person you also like not being true to yourself in that sense like


it's I think it's quite important to have, a level of like , pureness , don't know how to put it uh in proper terms but I think, uh like I said maybe at some point of time you have to be true to yourself and the people around you or at least the people that you're closer to so that is something that I really uh look out for


like the dishonesty part


uh, the thing is that okay there's this one topic uh do you ever have a pet that you love and lost it's not exactly a pet, it's a soft toy so I don't know whether it's it's still a can I still go on with it ya


okay so the thing is that oh ya these are actually ties to, the best birthday present gave uh that question so actually I got like a, a pet puppy as a like soft toy this soft toy


puppy thing ya I really loved it because I love dogs a lot and I guess uh some of my mom's friends know that and they gifted me the soft toy puppy so I really loved it and I spent a lot of time, uh with it


like it was it was it was really nice like I really, uh, ya I really spent a lot of time with it ya like I brought it a lot where where I went stuff so after a few years it got a bit old so and wasn't exactly in like good condition so my parents had to like throw it away


uh, so that was a bit sad because uh I, like emotionally attached to this soft toy puppy but but uh , ya so I mean they had to clear it cause it really wasn't in good condition so and that was a bit sad that's actually wasn't a bit sad was a lot of sad ya


so I still think about it sometime like if is like uh I I understand it's just a soft toy puppy but if it was a real one I think I'll just broke down and cried all the way ya so


ya that is one fake pet that I had and I lost it, okay


do you have any did did you have any pet


so you weren't like emotionally right okay ya makes sense


I mean there's no way for you to like bond with fishes as well like it's not as though you can like you know touch it, okay I guess that's about it for a negative experience


part two, positive experience


okay so which question would you like to answer first


okay lah I start first uh okay so what was some memorable moments from your younger days so I think I had a pretty good childhood like I was uh constantly surrounded by quite a bit of friends and had a really good time


uh , one of the memorable moments I guess would be going for a lot of competitions when we were young so that is that can be very nerve wrecking at a very young age but somehow I managed to like


get over the whole process of it, so those are like pretty memorable and those like fun times that I had with my friends like all the, all the things that we did in school that were like pretty, good ya


ya same as in I was I wasn't I wouldn't say I was a model student but I was uh a prefect, the thing is that I was a prankster actually so I don't understand why the they even decided to put me as prefect so that was very confusing but it was fun


ya , K, okay another topic


what is the nicest thing someone has ever told you


, proud (mmhmm) so you're a proud owner of your bike, (mmhmm) (mmhmm)


okay this might sound a bit sad but actually I think the nicest thing that anyone has ever told me is that I'm smart cause I'm I don't usually get that quite often, uh, I I wonder why but ya so I guess that's one of the nicest


things that anyone has ever told me cause I always think that I'm not smart enough so when someone sort of like validates me in that way so I feel good about myself so ya


, that's a pretty big compliment, , , for a P six kid yes


(ppc), sorry


ya okay I guess there's there's okay what this questions fully fully encompass is the fact is the is the is the point of being uh feeling gratitude


so I would really say that gratitude comes with a lot of mindfulness and you can be grateful for every single moment in your life, so but at this point I think I'm just grateful that for the very very simplest thing in my life like I have a roof roof on my head I have a few friends i have a good family that kind of thing


ya, like that there are no like major problems right now so that is I think that is thankful that is something that I should be really thankful for


okay this is uh okay this, this one is that I'm I'm very good at masking my emotions I think that's that's my secret ability that


like okay okay it comes with not exactly masking I guess like managing your emotions properly, like you wouldn't want to, act uh impulsively you are able to like control uh your emotions well in front of others and also like according to the kind of environment that you're being put at so that sort of


ability is is I think it's pretty important also ya, comes with a lot of practice but can be done, ya


like a name-tag, right okay cool cool cool cool


best birthday present, K, do do you want to start first cause I need to think when was the last time I received one, K , okay


is it is it some sort of inspiration from backstreet boys, okay


that's, that's pretty sweet actually I remember receiving a like a encyclopedia when I was young and I was that's it like I wouldn't leave my house I'll just stay in my room with my books and that's about it


sums up my childhood nah I'm kidding okay so uh I I really like encyclopedia it's very very informative like at a very young age I think it kind of like uh like you said it opens up a whole new


world of like information ya so but I guess at this point kids can get those kind of information like online it's like no longer in just in a book, ya


times have changed but K best birthday present, I guess receiving a harry potter book was one of the best birthday present I got like when I was young like my friends gave me the the final book of


uh the harry potter series which is deathly hallows so that was really good because I'm a I'm a crazy harry potter fan so receiving such a book is like a huge thing I was definitely thrilled so


well I've reread it like a couple of times that the entire series a couple of time so I somewhat memorised it, at this point ya, so I'll say that's that's one of my best birthday present, yes okay


uh okay next topic uh what do you what do you love about life, okay uh


I, I think one thing okay it's a it's a very mixed I've mixed feelings about life like one thing I love and hate about life it's, is how unpredictable can get sometime it's like


surprisingly good sometime it's like, like unexpectedly, bad so I guess like, the unpredictability factor makes us cherish every moment that we have in our life so that's one thing that and I love and I hate about


life, ya


what about you what do you love about life


K sounds good


do you have something in mind


I think mine would be hello panda like you know the small small uh, panda shaped, like inside there have like chocolate and everything ya that was one of my favorite childhood snack


like I'll constantly like badger my mom just to like every time we go to the supermart and everything I'll be asking my mom for it ya but the thing is that okay I found some like this is just a theory that I just you know thought of in the future like if you realize right when you eat hello panda there's always one


panda that is empty on the inside, ya and I'm just, ya and I was I was wondering it it it is their way of like cutting cost on their chocolate


saving money I mean it didn't, occurred to me when I was young but I thought about it, when when I grew older so I guess like you know, could be


no I'm just saying it could be something (mmhmm), oh another one would be milky bar milky bar milky bar are the is the best ya as to as to eat them it's pretty good


ya you sorry


okay


finance, okay okay K let's start ah, where you I cannot see you lah where're you okay uh, okay okay can can okay so do you have the habit of saving


then how do you ensure that you know like you meet your saving goals if you have people to spend on, budget means you write down the budget or you just anyhow there's no


then then how what what do you mean you have a budget


you said no money to spend, how about your how about like uh for like a week then how how do you know like what, percentage you should set aside and what percentage you should not set aside always is like do you know


for me is like a I have a bit of a habit of saving but it's not too much because I have a lot of expenses a lot of expenses, uh, then uh so , the thing is like I I'll plan it on a weekly basis so like I don't look at it like a long term so that particular week I'm getting a certain amount of money then I'll


decide okay maybe like fifty percent of this should be save then the other fifty percent should be spend but as you probably know the as a teenager, and always youngsters we have a lot of unexpected expenses you don't know when one something is going to pop up you don't know when you need to take a grab you don't know when you need to you know uh you you don't know when you need to spend money


uh so you have to you know set aside a buffer and then sometimes I see that I tend uh to eat up into my savings not a lot but a portion of it so my plan is usually not uh fulfilled, but uh have to be disciplined to make it uh fulfilled lah especially now with the


I uh you know the the circuit breaker and all that we can't, to uh order a lot of GrabFood Foodpanda, food delivery all these is very expensive and then you unknowingly uh eat eat into your savings a bit as well and also since we don't have like a a steady


income coming in like not a proper amount coming in cause you're, still student right then ya we can actually see the money, dropping lah for me this is for me


so what's a what financial advice that you will give yourself in like five or six years


wait so you are going to give this advice to yourself five years later right to save earlier that means you need to start saving now lah, oh five years ago oh okay okay sorry sorry I read it wrong ya I thought five years from now


okay okay okay okay ya, so you'll you'll you'll tell yourself to start saving earlier, but but but like if five years ago how old are we five years ago then maybe JC JC, or O levels where we had like then at that time we wouldn't have been earning much and we wouldn't have the means to earn much also ah so why do you


I'm trying to say like uh I'm trying to say like cultivate the habit of saving so when you actually get money then maybe the savings


laptops ya correct MacBooks also like, cost about like around two K plus ya correct correct I agree with you laptops are very expensive, ya, I mean you can you can buy like cheaper ones lah like, ya but then uh ya


if you want good quality them ya like what you said like you have to spend a bit more and stuff, I I actually disagree with that lah because for me personally I really care about like technology and the quality of technology so I actually spent a lot on


on on uh on, I actually spent a lot on on it, ya yes, but ya so actually that also eats up into my savings also cause (ppc) every time they released something new I'm always buying something new but ya I mean fine for me lah because it that that money translates into like


the utility in the real world so


ya ya no lah I mean uh for me because I I I have to use it because like I I I do music, stuff right so like uh some of the software is only available on like a certain computer on a certain phones so I I have to buy only that particular one


and so I have been so used to it then I have uh since I bought one I have to buy everything and then so like it's very expensive lah but I mean it it works for me lah and and to me like I rather not save the money because uh that what whatever I'm spending on is going to be useful for me so there's no point I'm just saving to keep it there when ya ya


I mean this is this is when this is when I actually needed it is not like I don't need it and it's a useless investment so ya, okay anyway uh I think we sidetrack a bit so how do you say that you would manage your financial commitments before and after married are you married, I'm not married as well ya


so how do you think you would manage your financial commitments before and after married, think girls depends on your husband right


ya that that's true, that's true ya ya ya of course, and I think it also depends on like, who you end up with uh I mean uh it it depends ya you know how how it's going to be, and also like uh like whether you know like you are going to buy a house like whether you're going to buy a BTO and then you're just going to stay in your parents house or whether you're moving overseas like there's a lot of things


to consider lah and , ya I mean we are a bit young so, this may not be very applicable but I mean is good to start thinking about it


so I think like , because the, like COVID nineteen and the circuit breaker and all has has really showed us that like uh, it is really the the you really need to save lah because you you never know what's going to happen like you think you have it all you think everything is great you know have a great job everything but then the thing can just collapse like one day so the only way out of this you like if you save and so like you ensure


you ensure that you know you can actually survive during these times lah like there are many people like uh, like a lot of workers in singapore they got retrenched you you you know like the aviation industry, the the the the musicians and artists and all these people everybody lost their jobs and it's quite hard for them to restart again and so the only way they would survive is a you know having this a saving I mean ya having their saving


uh and and of course watching their spending lah so I feel that you have to, you have to do that like you have to be very disciplined uh after the COVID world so that you prevent such a if if it if this thing happens again then you know like at least you're taken care of


you know right have you heard of this thing called the FIRE is like, called a FIRE is like an acronym and it stands for like financial independence retire early, have you heard of it cause I have never heard of it ya and then how , how how can


K like how can you how do you think you can achieve financial independence


but I think like such plans would only works if you have a regular stable, income coming in like is not really applicable for people like us I mean it may be for some but then, uh you know like the starting premium, you know maybe like about two hundred to three hundred dollars to get like a good return so like if you if you end up spending three hundred dollars as a student then you are going to eat into like your own life and your own spending as a student lah because uh we don't get that much as when our expenditures are so pretty high


so I think this uh you know this uh financial while you going to just say about the uh I mean the insurance thing it's actually ya it it it may be applicable when you're like a young working adult like when you start working or something I think ya


anyway okay so ya I I think I think the main thing down here is the, to cultivate the habit first so when the money actually comes at least you know what to do cause we don't have the habit then you know, like is a form of training lah personally lah


ya you know save ya okay, ya okay , how do you manage your CPF savings and you know you have you even consider CPF I don't think so right because, we haven't started working yet lah so I don't think this is really relevant to us but uh you know in in time it would ya


what advice would you give to someone in order to reduce their income tax, income tax, no uh income tax what what're your views on


ya we can't really answer lah because we haven't really ya, yes yes yes yes anyway like just now you were saying anyway you were saying about like basically your insurance and all is a, form of investment for you to accumulate your wealth and like you know uh planning to retire there are few ways lah one of it is like the insurance like you said uh then there's also like of course the


foolproof way or just just saving manually then seeing your money grow, and then there are many things like many other things also, like a investing like in a stock exchange and in in trading and all these things which are also probably ya


ya of course so like I don't think this is also relevant to us but I mean it's good that we know lah because if if the need arises then maybe we can just you know, make the make the make the switch lah


but I think we we can't only rely on that lah because you may have some personal things that that CPF money we still have to consider maybe for our kids education or like housing or like health or something but you know you may have your own life desires like you know maybe by this age, I want to buy a car or like buy uh by this age I want to buy a house or like I want to


you know go overseas or something so you must also you know have a little buffer for that lah so when you when you ya, and it ya so like now that we spoke about cars and houses you know like how do you think, what do you think is a good strategy to start planning for planning for this


you basically spoke about, you basically spoke about houses lah, then uh, for me it's like I'm I'm not really considering the house yet because uh, uh like I like I said that one depends on you know your future and, who you end up with where you end up you don't even know whether you're in singapore or not because you aren't in if you are not in singapore then the grants thing may not really be very applicable but then it depends okay so ya but the a car thing is is more of a personal uh it's more of a personal thing you know whether who whoever you end up with probably if you love cars you'll


probably end up buying one lah I I I love cars lah so I have uh I have plan to buy a car but uh like you know life, isn't concrete like you can plan so much but you may not really materialise depending on the situation of the economy and also now with COVID nineteen you will see that not everything is uh the same anymore things are bound to change


so I I have a plan to buy a car but the only thing is I have plan that like you know uh I have not really, saved up for it because uh there's no point uh saving up now for a car because I feel that, still expensive so when when when when I actually start working then I will start to expand my goals right now uh the car isn't one of my goal but it it is definitely up there but is


not something I'm thinking of like right now lah, ya and I think the houses and cars is a ya something, age ya age yes yes


like now we are our age our early twenties and I think uh towards the mid twenties to the early thirties then we'll be considering housing and and and uh cars and these family above, before twenty uh before twenty five maybe I think it's all like mostly studies


and like habits that's where your character and like you know your your you just your, your your interests and your, all these will like develop and stuff lah, anyway uh what are your opinions on financial advisors do you have one probably not right


and it expensive also right


ya ya ya anyway what , er if if you know someone in debt okay lah if I know somebody in debt then I will just uh you know like instead of at bringing them to a financial advisor like uh I think I will ask him to sit down and, plan for themselves like you know that means like you need to pay a certain month by certain months so you need to really watch your spending maybe need to make certain sacrifices and then like february and you write it down or you keep


know of it somewhere so like you know you watch it , ya, ya okay anyway , we're on to like the last ya uh ya, ya, ya CPF contribution is good lah because like you know we we tend to focus on a lot of a


things like a material thing but then CPF actually, helps you protect uh some of the more important things like health uh your house you know your your child's education if you cannot afford it and stuff ya, anyway okay now that we're summing up do you own a credit card and do you think you should own a credit card


a debit card is not a credit card a credit card is like ya so but uh, ya ya ya correct correct


but I I honestly I don't really believe in it lah because I feel like if you buy something you should have the means to afford it if not like uh you should at least just save if not you know if you buy something without knowing the true value then it becomes too easy, may tend to like slack off or something you may tend to take it for granted and then uh you know if something happens you may not be able to pay back so I don't think it's a advisable thing now but maybe in the future things will change


and ya ya


negative experience, K so I think like uh if you are talking about negative experience right like we cannot uh like we may have some like one or two topics that we really feel very strongly about so I suggest you just


talk about the you know the one or two topics rather than ya going through the points lah


(mmhmm) (mmhmm) (mmhmm) (mmhmm), for me, for me uh I have a lot of, I have a lot of uh things to, like have a a lot of strong emotions about certain things I don't even have to tell you all these lah but you know it just for the ya so like uh ya have a lot of strong emotions but now when I have those strong


emotions I can turn to somebody so like honestly like that thing is nothing for me already , but if I didn't have that company right then life will be miserable like this one I'm genuinely saying but then because of the somebody then like you know it's a like it's much manageable and anything like I I cannot lah like ya it's it helped me a lot lah the person helped me a lot lah and then uh ya but then


like in NS uh like uh NS was err how many years ago I think, two, two years ago three years twenty seventeen to twenty nineteen lah so during that time ah eh by the way has your timer stopped


think it's lagging ah K never mind never mind we just continue lah anyway ya so, , ya so like for for me personally it's like, during NS right I had a lot of a, problems lah because I, I really hated being there I I hated the ideology of behind I know everybody has to go through it in orderly I did I did go through like I I did the two years I did what everybody has to do and I finish the thing properly everything was perfectly done it's just an my emotional thing


I didn't really like because and back in NS right like now I have my music and all these last time my back then didn't really like develop that yet I didn't really have the confidence also, then (ppc) I also have nobody to turn to so like, on one hand I got my my personal thing also I have nothing to turn to then I also don't have anybody to turn to like okay lah look this happening please help me out I mean I have my friends and stuff I have very good friends and stuff but I always sometimes


this I don't really share like so much, cause not very comfortable even I'm I mean me comfortable with them but they may not actually understand what I'm saying they will try to give advice and what sometimes you won't work lah like I said a personal things lah so it may not, ya only if you want to change it then you can change it so that entire two years was quite a bad and stuff even in JC like uh you were it felt very like


like I I don't know like I belong somewhere and but then I was like you know stuck there very trapped and and stuff like that, and then uh at the start of my musical journey also I have a specific outlook of the way I like to do things and stuff but then I was rejected and uh rejected not like you know like told to leave or rejected will be like


uh my idea was like kind of criticised and stuff and I I didn't know how to express myself and for a while I I really couldn't turn any uh find anybody because that time the world was like against me I know this is not a very big problems is not a life and death thing it's not like you know there're people like fighting for their lives or in other countries this a small thing


ya ya ya and like ya continue so like at that time right I I didn't have, anybody do like turn to once again lah I mean okay it's not that I didn't have anybody I had everybody to turn to but it's just that, the turning to wasn't the most uh conducive for me it didn't really help me a lot also


and especially at certain point with like certain people when it was really very bad then I started having like downwards all these things lah and but like I said now I don't face any of it because firstly I think I have learned to adapt, uh I've learned to like you know like last time my I I don't know like I always had the doubt but now I know okay


like there are better things out there you know just have to do what you know and there are better things to fall back on and also because like of a group of, very good people lah who are by my side always and very supportive for and I'm very blessed and very thankful for them because like if not then ya life would be very sad but like ya because of them everything is


for me is very simple lah I feel like, anything (ppc) any given situation in life whatever it is right you can look at it from a good perspective or you can look at it from a bad perspective or you can just look at it from a neutral perspective where like you don't have anything, like if I ask you now about like some random thing that you like bike racing or something then you have


really no knowledge on then you will probably like not even many opinions about it but then if I tell you something about like your life thing or something then you may have a opinion about it so I feel like whatever you decide it's about how you want to view it if you view it like a bad thing then of course you'll have a negative experience ah if you view it like


you know you have some sort of a positive outlook only or some hope


(mmhmm) (mmhmm) ya like for me ah really like my NS, like ya for my NS also right like what you say lah the two years right was a really like very bad but then now right when I looked back at the two years ah I'm like !wow! okay I survived that nonsense lah so anything in life also can survive like you know like uni all these ah it's really nothing sia compared to NS


ya correct correct, and I think ya it's a it's a


how to say ah like it's a, sometimes like you some you sort of need the reassurance but you need some sort of foundation thing like you need somebody to like okay you know okay ya you're doing the right thing you're doing the right thing then at least


not everybody will be very blessed and privileged, to to uh you know, to, to leave a mark on on this earth like a like a uh few like, two days ago one of the most famous singers in india passed away and he has he has been a mentor to like uh not a mentor lah but he has been like a role model to so many people and literally like about


five to ten people they'll all they all like you know they they message and say oh I couldn't even stop crying and stuff like that and like he touched so many like millions of people's hearts, and like not everybody would have the privilege to leave that type of a mark on earth lah


but then at least like as long like he this this guy this SP Bala who just passed away he left, the mark on like one million more than that people on earth so like you know he'll be remembered and stuff but for me is like as long as you touch your own heart you are doing something prove to yourself mah then that's the biggest already oh there's no point you like you know you go and this thing to a billion people but then you yourself don't even feel anything then that's


that is considered being fake again so ya but ya lah I've I've been a bit sad by that, uh recently but then I also realise that since he's a musician and I only know his music, and I told you this many times also his music will always be there and uh I'll I'll always uh love his love his uh music and the the musical soul of him and that that isn't going anywhere so that kind of help me lah and all these people also ya


but this uh SPB uh SP Bala is very special because uh, he he has this thing in him ah which makes it very sad because he he, he somehow rather uh for all his songs, that I was watching he gives you his


all like I don't even how to say this properly like inside I think so much to learn from him and like I feel like when he was alive I didn't even like look at it I just thought of he's just like any other singer but like he really give it his all like, just go and watch his videos ah like all the time when he'll just be closing closing his eyes and then he just be singing just closed he doesn't care about whether people clap whether people don't clap he really doesn't care usually when people clap they will stop like together applause and stuff but then he didn't he continued and he really doesn't care it's like there's so much to learn about it like when you're so into something right


like he saw into the music that's why these many people are so into him because like, like he he basically he touched himself first he touched his, his own heart his own soul first, if you touch your own soul right then only you can spread if you don't then you just how how you going to spread unless you you may be lucky lah one or two fellas may this thing but


no but is ya it's really a very beautiful thing I I I really didn't only then I saw it right, really lah is like he is like, now I think I think ya, I always had okay I don't know but it's a negative thing ah I mean I feel a bit sad he said that you don't have to


you know as long as you ya but uh, I think like there's this thing there what popular foods do you dislike and stuff but then I don't think that's really a negative thing I think that's a personal experience we may actually find it funny like, like I I hate like porridge lah


just don't care lah because like I said there's there's always going to be somebody that dislike you even if you are the top fellow on earth uh that I mean there's no there's no top person on earth there's really nobody but


ya okay let's just take some random uh famous, person lah K like uh who we want to talk about, okay mother teresa okay so like she may to to some people she may be like okay like she's a saint or she like such a beautiful person but there will be also other people think your case is not good and tough you know the best part is these people probably haven't even met her before they don't even know her before they will just come up with their own


theories so such people right these very prominent people they themselves have start criticism discrimination then who are we these are very common things in life we just have to ignore like literally everybody in world there's not a single person who will be well loved


by everybody like there can't be a single person who's well loved by everybody, it is it is impossible so like ya even if you are talking about like god and stuff right like, like there're people ya exactly like there's there's so many


like for me


(mmhmm) (mmhmm) ya that's that's why I'm saying lah like I learn all these messages from a very uh important and special person the person taught me all this and I'm very grateful but the thing is like uh ya like what you say is very true like


you shouldn't look at it outside this thing is like you must look at it inside you must like search your own soul and then you must come up with it like you have to be genuine about it and just because people doesn't like they don't like that's that's perfectly fine because something that is beautiful to me may may be ugly to another person


but just cause it's ugly doesn't mean it's not beautiful for me you know what because in my ears, it's my thing it's it's my I I only can feel like we are like and let me tell you something ah like you only can feel something right you only can witness something if you can feel it like okay like


you can you can see right so you can see the sun you can see the earth so you know the earth exist but if you if you are not here then you probably wouldn't even know these things exist like before nineteen ninety eight do you know while this thing will exist no like, like you only can feel so like literally you think about it you only know that you are the only real person on earth you don't know whether this whole thing can just be your imagination you could have created everything


in life, and then uh you literally could have created everything in life like science arts everything could just be you, like electricity whatever all these just could be your imagination cause it only exist as long as only you can like feel it only if you can witness it so like just think lah the whole universe is like literally made for you only I mean it's quite selfish well but it helps you out in life sometimes and this is I think a philosophical theory but then ya and then


ya and then if that is really the case if this whole universe is literally made for you, then why should you care about some weird negative comments in life, that is very dumb what right cause you won't you only can feel yourself cause you don't know what that first you also just make sure that you are happy


because you're the only real thing you are literally the only real thing like I I'm talking to you but I don't know whether you are real you could, be my imagination this screen could be my imagination I don't know to you maybe I'm a imagination you know I don't know, but like I know that I'm real so I have to just focus on doing the best for myself lah ya lah ya lah there there I mean but


if if somebody if something positive is coming out the other person then by all means you can take it cause it going to help you with going to enhance your experience but if something negative is coming then also try to take something positive out of it but if if there's nothing positive then just take and throw


(mmhmm) I think what I just told you right is like the is like the highest form already, if you if you if you can realize that then I think you will not, be a normal person lah you will be like a you know those enlightened people already but then like, I I that is only if you realise it fully and you understand it fully which is very impossible


ya ya of course lah this kind of thing is impossible, if if that's really a thing we'll probably be saints already but like I'm just like it's just a interesting thought lah you know, about about negativity and and


not really because I've people to turn to and there are better things to do than to just you know worry complain cause when you can actually like make a change if you know there is a quote lah like, if you know that the the problem can be solved right then you shouldn't worry cause it can be solved


and if you know the problem cannot be solved right you also shouldn't worry because the thing cannot be solved so you should just move on I know this is once again this is the highest form if you can read such things we we wouldn't be sitting here talking lah, be somewhere already but then like, ya you suggest like guiding lessons lah


so ya ya is is a


positive experience, uh for some people lah or for somethings also lah uh then uh


uh ya how about you, ya some people ah ya so is a my my dog lah my my pet dog ya, so he's a person ya ya ya ya and then uh my friends my parents uh my girlfriend


uh ya that's it lah, ya ya ya ya how about you ya ya she is ya she is ya, ya okay would you want to say what's what uh some of the small things that


sacrifices I've made that I always, didn't think ah, for me I don't look at it like that lah I I feel like, you know like life is a journey uh you shouldn't have a destination at the end you know every day itself is a, it's a it's a every day itself is something is memory you shouldn't be like you know like okay lah I work forty years of my life work very hard then on the forty first year then I'll start enjoying I don't believe in that I'm for me it's like every single day


you must enjoy because we don't enjoy then there's no beauty to life you don't know when it will start you don't know when it will end until but then like uh like so ya you have to make the best out of everything lah so for me like, like small things in a day like you know may will make my day like for example uh


uh if it's raining right uh then you just like you know, just uh, go and listen to music and then look at the rain or like look at the trees look at the sky look at the clouds all all these type of things, so like I don't think that question really applicable lah ya but anyway like


ya there there's a lot lah I mean the first thing about you know what makes you smile that's really like so many things like music, uh, ya ya ya ya ya ya I mean sometime sometimes it depends also lah because you have to have the mood also I mean can be surrounded by the nicest of people


but then you can be in the most horrible mood or you can be surrounded by the worst of people but then you can be in the best mode so it really depends on you how you want to see the situation whether you want to see uh you know as a good thing whether you want to see as bad thing like raining uh on a rainy day somebody may take it like you know


like the cycling then you get wet in the rain somebody may like oh my god okay got wet lah life is gone, or on another hand you can look at it like eh it's a unique experience how many times in my life am I going to, uh cycle and is it like am I going to like you know, almost like have a shower in the rain ya it's it's a beautiful thing it depends on how you view it like two individuals may view it differently but I choose to look at the brighter side of things


most of the time and then but I think that keeps me uh bit happy and stuff lah, ya, ya anyway okay now moving on like to more you know, technology related stuff like movies and stuff so like what are the some of the best movies or TV shows you have seen it and


and ya what do you like about it, ya you can you hear me, I asked like what what're some of the movies


K continue continue, we talking about positive things down here then you talking, ya ya ya I mean I I love horror movies also lah I really love horror movies but I feel like if you watch too much of it


ya I know it's not about the scariness it's about the negativity because horror movies tend to be very like gory and like bloody and uh it's it's, it just basically very negative lah like it it doesn't give you a good K and I really believe in like the energy and and everything


so like the more you watch all these type things the more like your mind will also be inclined to go that way so like for like if you are talking about like, positive experiences then I would say like maybe sitcoms are like comedies or like inspirational stories are really give you like positive


uh outlook in life lah so on Netflix I'll always be scrolling through and like uh most of the time the bulk of COVID I preferred to watch like these chill stuff I don't like to watch too serious stuff cause, like for me Netflix and all is to unwind so if I watch serious things and I'm going to fry my brain again for that's really no point so like I think you should know lah I I there's this show called community so ya that's the first show I actually watched all six seasons and like there's nothing much on it actually but it's just a very chill uh very calm


and like eh this is very nice lah and and I watched it during this circuit breaker time so like you know it's like you, become one of the characters it's a you become one of them and is a very nice feeling lah and there's a lot of it there's a lot of other shows out there but I've I've, what what what


ya ya ya ya ya like all these funny shows you know like it it it makes you a happier person and then like you just, become more of like chill when you go out with your friends also like you know more positive the more horror movies you watch like you can try it lah you just watch like six horror movies in one day then you go out


ah maybe that's why lah I think ya, so yes that's the thing


I'm the I'm the exact opposite lah because I the I I only can watch them like maybe once or twice in a year the other times I just want to see a bit cause I'm not a very serious person uh ya uh except for certain things lah ya, I think that's something I do not have in common with you ya but


yup, what do we have in common now


you say we have similar outlook then I asked is it our emails, , okay sorry, okay continue continue then then ya, that's one of the things lah okay we have the same outlook email then what else what else we have in like


one thing we had don't have in common is , I use Apple lah so I'm a bit superior but then you use Samsung so you're, that is something we do not have in common


I don't think we have anything much in


hello we have a lot of a lot in common lah but you know sometimes when you ask this type of question then you really don't know what to say because this type of things must come, uh you woke up like you'll experience it when you have to experience it lah


in did you just ask in singapore, I mean if you want to visit the place in singapore just go only lah, it's nothing what, unless it's some like you know you want to go inside some you know some some


restricted place or what, ya, ya ya but for me I want to go to india because I really love the, uh architecture and and and history and stuff, so I just want to go and see and you you should know this I don't even have to tell you how about you


(mmhmm) (mmhmm) (mmhmm)


I am grateful for everything everything is a blessing


I mean one uh you know, somebody's blessings may, may may to to somebody else may not even be a blessing at all, but then so you know you tell you never know you you if you compare like financially somebody may be superior to you but if you compare like emotionally


may not be superior to you I mean like to by superior I mean like may not be better off than it really depends so you cannot compare because nobody no one person is the same like you have to count your blessings you have to just count your blessings, like a rather than your weaknesses like for anybody


and I'm sure this is applicable to, literally everyone on earth you can you know just count your blessings rather than than you know uh count count your I I know it's harder, said lah I mean it's it's easier said than done but then uh ya this is a simple


it's a very simple and ya it's that simple to me ah, ya ya ya ya I mean while on the bigger scale like we're in singapore we have like you have water shelter it's a beautiful country everything is well protected uh you know everything is great singapore is like one of the I mean the safest places to live lah both in terms of physical safety


and also like you know you're just your welfare safety and stuff so that is a that itself is a is a very good thing to be grateful, of lah ya, ya K then so what are three things you admire about


your best friend or partner


why my support is


it's okay lah ya already said, friends friends only lah so nobody else lah


K thank you you know this one all is recorded so I'll play back when you when you when you need ah, okay anyway ya, describe your favorite activity to unwind and relax


no lah I don't need I I cause uh this one is for me to record what, okay three things I admire about my best friend or partner I would like to speak about my uh my friend from secondary school actually is a guy, uh, K lah no lah okay everything lah okay that's not no three things whatever you say I can say back to you also


ya, ya eh tap on your screen, okay okay K okay okay, so ya anyway uh okay do I even have to tell you I don't have to tell you right


but I think right above all these type of things like singing reading uh watching Netflix all these are there are are some other thing you know like you just go and try, looking at the sky just look at a sky make sure there's nothing, like below you you cannot see anything all you see is only the sky only, that one is itself ah you really feel like you're floating I don't know about you lah but it really work for me lah I used to like primary school I used to go lie down on the the school field then look up in the at the sky and be like four fellows lying down on there then we we looking at the sky then we will like see the shapes of the clouds and all then when you look down when you look back down on like


earthquake you be like eh like you'll really really you'll really think that you're in, the sky you know is is a very beautiful thing we should try it on this is really very nice the sky is like the best uh, the best therapy lah and also water also but singapore you know you cannot see the horizon you go there you can see like some rocks down there sentosa all these


nonsense lah but then if you go overseas then you can see the horizon where it's really very nice like nature, ya I think that's something I love but it's like you know you don't always get the opportunity to do that so ya, ya


actually I also don't know lah if I say will be there and and like, I honestly don't know oh this type of thing but I think I love everything about myself because like, I can, no I don't know how to say this like there's there's no point don't know you pick you pinpoint like one specific thing you love when you can just love yourself for it


right, you understand what I'm trying to say, actually I also don't I don't know but like it's it's not like nothing like some people say oh I love that I'm very hardworking I love that I'm very I don't know I just love that I I just love, me for who I am lah I just love whatever I'm doing if you don't love whatever you doing then probably you won't you won't be doing it because like


it's a bit hard to understand like you you you your your taste and your preference all all these things are coming from your heart is coming because you love them so like you yourself are like a you are symbol of love yourself lah, so like there's there's not nothing to love specifically cause you yourself are represent love do you understand what I'm trying to say


this is a very weird thing ya but okay ah anyway, ya ya, describe a time where you laugh, too hard, for me actually this one just happened yesterday lah


so cause I was playing uh FIFA with my friend micky, and then I kept sliding tackling him like every two seconds one fellow was like then literally the whole team, a red card and I don't know why I really started laughing like crazy my stomach was very painful I have haven't laugh like that been so long I don't know laughs like lying down on the table and laughing you know


ya this type of things are very funny lah I know is a burst it's a bad thing that happens to somebody else but


sometimes you know you you really you really cannot lah there's a lot of, lot of a lot of such things that ya embarrassing moment, actually I once again I do I don't, know what is the proudest I don't have one particular but I have a few moments lah like


you know like sometimes when you collect your O levels and and all these I've never really felt very proud of myself but this feeling like okay lah like, good like it's good that I'm doing all these like it's like it's like a check like checkpoint ah it's not like okay this is the proudest moment that's it I don't think so


ya ya ya of course lah you will have some moments that are higher than others lah like you know, of course ya ya ya ya of course of course and what was, ya what was the best meal you've ever had


should try eating three burgers in mcdonald's then you will have the best meal in your life, uh is not very ya ya ya, I think ya lah that's about it lah describe a time when you got appreciated for your hard work


not really but , as long as you appreciated it's fine and most memorable travel experiences is a, uh I think, it'll it'll it'll start happening soon lah it'll start happening soon lah alright okay thank you K


finance


you should know this best of all like I I saved quite a bit but I think in recent times it's I have not been saving as much as I would like to when spending more


I don't know I just suddenly have more expenses and stuff like that more people to spend on, now I'm starting to create like a budget and stuff like that like per month


you know so what about you, eh hello I don't write it down lah but I think like I have like it depends like if I know if I have like a lot of birthdays this month or something like that then I set aside more money


to spend ya something like that, I I mean like roughly like plan it out lah like you know roughly you spend at least like ten to fifteen dollars a day right like in in school or something


so like you know you just fifteen times like three or four days that you're going to school then you ya that kind of thing so that's how like I plan it out, ya what about you


yup, ya


ya


ya, ya ya no I I mean I understand lah obviously cause like when the same situation right and everything and ya


definitely to start saving earlier lah you know because before you don't have as many expenses you don't have as many things to there's there's no need for expensive


no but it's to give the financial advice to you five years ago so what would you say to yourself when you are like fifteen or sixteen


ya , but ya so like when you're fifteen, earlier ya because like, ya about sixteen sixteen seventeen ya so you don't have (mmhmm)


no but but I mean your parents give you allowance and stuff right so it's, ya ya definitely like to save to save when you can lah because when you're young your your expenses aren't so great you know when you get older you need to buy a laptop you have to buy more expensive things right especially for you


ya ya ya so stuff like that , you know, ,


ya but when you're younger you don't tend to the the quality that you are you looking for is not going to be so big do you understand what I'm saying


ya but then I think you also need to to keep take into account like, how much use is it going to be to you and whether there's like another cheaper option because like if you look at it if you are buying things just for like the luxury brand names and stuff like that and you know you have another cheaper viable option that's not going to like you know break your wallet and stuff like that


you know you know like ya


ya, and because it's a long term


okay but I think, no are you


okay , okay so, I


to be honest I don't think I don't think I can I can answer this question right now because I think we don't really know that much about it yet you know that kind of expenses that comes immediately after marriage and stuff like that but like


ya but I think something there's a bit more relevant is about


something is more relevant is like about the you know in a post COVID world how do you you don't intend to change your spending habits and stuff like that


and they're still getting retrenched ya,


ya definitely I mean I agree with you it's always good to you never know when you know something happens whether it's an illness whether it's a pandemic whether it's anything else these kind of things are always unexpected and that's the most important thing lah about about saving


(mmhmm) ya, and no no


a financial independence I think, I think they're I think the insurance plans , you know the people put into place for stuff like this you know I mean like all of us have been stopped by insurance agents outside MRT and stuff like that you know and even though it's annoying I think they have they they value the the importance of being


financially stable and independent you know you know it's always a good to set aside some sort of saving plan some sort of insurance , plan so that when you you know you have like short term and long term ones right and you know even though you don't see it you don't see the amount grow but like when it actually does when the plan does like mature and you get like the lump sum that is definitely something that's going to you know be very beneficial


, (mmhmm)


ya but I think there's, there's always something that you can do you know like even now we are like uni students right so we have like that three month break you know and even our school isn't every day and it's not really fixed hour so most people like you and myself we both give tuition and stuff like that


so there's some sort of a bit of a stable income coming in in that sense you're getting a bit of money here and there whether you choose to to to spend it save it or like you know invested in some sort of a plan then that is


up to the individual lah so ya ya ya, ya ya (mmhmm)


to be discipline then to ya cut down where where it doesn't need to be spent ya, no ya I don't think either of us have considered ya ya ya


I think you were saying oh okay, uh I think this I think this also we can't really answer because we're not some we're not people who who


pay taxes yet you know ,


ya but for that I think you need to have a bigger amount of money first you know


(mmhmm), ya exactly ya, but how would you invest the money to like gain wealth like need to plan for your retirement and all I mean to plan for the retirement I think we that the government already kind of does that for us with the CPF and stuff like that and you know stuff like MediSave


for your houses I think if I'm not wrong right I think the government does give grants to


based on different things like I if I like if I'm not wrong I think if you if you're staying like close to your parents or something then they give you like a reduction in the down payment or some sort of a grant , with regards to your BTO your house or some something along those lines ya


and ya so they do they you have to make use and you have to kind of maximise these kinds of grants available and you really need to do thorough research with regards to that so that you're not spending like in unnecessary amount of


you know money when it could be channeled into something else ya,


(mmhmm), ya


ya ya it so that depends also ya because those are things that usually like but like you know buying a house getting a car starting a family they all happened at around the same age range so it's like multiple big expenditures


studies related yes


ya ya, , I wouldn't mind having one but at the same time I feel like a financial advisor cannot give you everything that you need I think they can tell you what


ya and I think they can tell you what options are available what schemes are available but at the end of the day I think you need to do your own tare research as well because you only you know what your individual needs are what you plan to spend on what you plan to save on stuff like that


so you know at the end of the day it comes down to what kind of research you do , you know like having one person to settle all of this I don't think that's very feasible


ya what they can cut back on


ya ya and also like


CPF contribution and stuff right like what do you what do you think about it, for the long ya ya


I have a debit card , but I think definitely ya I said I have a debit card but okay I think a credit card is


more useful when you have a bit more like a larger stable income and stuff like that ya so I think eventually everyone will need one


ya, ya definitely ya ya ya ya I agree with you


good discussion yes (ppl)


negative experience, okay so have you ever felt, trapped ya


ya, okay so I think I think mine is kind of like base stop the first uh point that needs more of like like a a time when you felt trapped or helpless I think anytime that anyone feels trapped or helpless is when they don't really have


someone to turn to or someone to talk to and everything feels like it's just, being like like everything is kind of shitty in every aspect of your life, you know and the fact that you have no like outlet to vent and stuff like that I think that's when I felt trapped or like quite helpless lah


you know ya you know, yup


do yours sia ya, ya I think her connection yup


yup (mmhmm), you weren't so into it right ya


ya (mmhmm) ya


no I think I think it's important not to trivialise your problems because if something is affecting you a lot then ya something is affecting you a lot you can't trivialize it and say that oh it it shouldn't be a big problem and stuff because it was affecting you when it was a big thing to you at that time


(mmhmm), you didn't know if they could connect


ya I mean I agree with you like you


in general people always need that outlet and I think I also wouldn't have really been able to like express this much, if it wasn't for having at least one person you know by my side to like to turn to and vent to


so ya I think I am also very blessed and grateful in that aspect that we kind of understand each other and where each other's coming from and we have a similar outlook in the sense that we always believed that


you shouldn't really care about what other people are thinking and and stuff like that you know as long as something is making you happy then you should just do it and if something is not making you happy that you should kind of just , you know cut it out of your life you know things like that


ya ya, but the usually I think it's important to remember that when you're in the situation itself, you will mostly feel quite bad and you will feel quite helpless it's only usually in retrospect or when you're looking back on it after the situation has passed that is when you start to appreciate the the the lesson that you learned from that situation


so it's always about how you rise from that situation ya, now when you look back on it ya we survive like ya (mmhmm) ya


it gives you a lot of strength lah so I guess in that sense it's always good to be grateful for whatever has happened in your life because without those lessons you kind of like wouldn't be the person that you are today, ya


ya ya, ya which is why it's very important to have that when you are that support system when you are young it's very important to have that because that's when like you're found


ya (mmhmm) (mmhmm)


ya ya and the same goes for any any major artist and like you know throughout the years michael jackson freddie mercury anyone else you know who has passed on and who've left their mark is always a sad


time lah you know ya


he feels it from his heart, ya


(mmhmm) (mmhmm), ya, ya and this is the same thing that I I told you on that time you know when you


ya ya, ya I guess I side tracking a bit, okay can can


ya but then in relation to your music right in relation to your music and stuff, have you I'm sure people have looked down on you right in your life and stuff so how do you deal with it


(mmhmm), ya exactly there's always critics for even the best singer ya


(mmhmm)


ya exactly exactly , that's the the main thing lah that's the main thing that I keep telling you right like especially with with situations in in, today's society we have things like social media and stuff which kind of enhances the negative aspects of society you only choose what you want to show to other people right you're not going to show them the the the times that you fail or the times that you


failed multiple times and and you know but the truth is there is a lot of strength in you failing and rising up out of that occasion , you know and that is the thing that I feel that people should show more of that because that is is usually your failures that that kind of lead you and define you in order like it build the way to your successes and your accomplishments and stuff


you know if someone is constantly just successful it's not, a very good thing either you know ya, and which is why I I hate like I mean I'm sure you relate as like a budding artists slash musician you know it's not the


nicest society that we live in, you know some people don't really support other people some people aren't you know they see things as a competition they see as a race , and stuff like that but then with any art form it's in the the whatever art form you're doing it's supposed to be basically a connection between you and that art form


and when you see people just saying that you know this art form is their passion or whatever but they don't really have things to back it up or they don't you don't really feel that , soulful connection or you you know everything just done for entertainment purposes you fake some tears so that people watch your video and stuff like that then those these things are not you know


it's not the most helpful lah, to the society and to other you know musicians and stuff like that (mmhmm)


(mmhmm) (mmhmm)


ya, ya perceive it ya


ya it is it is yes


(mmhmm) ,


ya the only thing that you should care about is like your own happiness lah basically


ah ya no but I think that's that's the that's the difficult part because you live in a society right you don't just live like one person one in island nor do you live in a society that is kind of built and shaped around , you know caring about the likes caring about the comments caring about all these superficial things that in the end don't really matter so it's all about how you navigate your way through this world that was kind of created lah you know and and and


you know you can understand it but even then the application is the tough part like you see you also understand it right ya that's the thing that's the thing at the end of the day we're all still, human you know it's a ya, (mmhmm) (mmhmm) ya ya I understand I mean do you


worry about anything quite often, not really


shouldn't worry like if it doesn't if it doesn't matter in five minutes then you shouldn't matter ya


ya I mean these are all nice things to to think about and to listen to and to give you hope, and and strength and stuff like that but I think the the application process is the stuff where, like in in in the, process of applying it is when you truly learn your biggest lessons and stuff


okay


positive experience, ya so tell me some of the things that make you smile and laugh like on a daily basis and stuff


ya can you just go back you said some people right uh can I know who, oh okay oh okay okay,


oh okay ya ya girlfriend sounds quite lovely, okay , I think some small things in life I think like some small things in life like things that people usually take for granted like I I like you know like when you see babies on the train and stuff like they they're not really


related to you like you don't personally know them but, like you always ended up smiling right and is like usually most of the time are very genuine thing and also like you know when you see someone helping like going out of their way to help someone else in need


you know like sometimes you see those stories like on mothership or wherever you know those stories like I think there was this one story where you know it's been raining very heavily right then, this guy got out of his car at a traffic light to help this guy on wheelchair like push him across the road