no my my family don't do that, we don't we don't, we don't blow don't blow cakes, we don't celebrate with cakes lor like we just go out for a meal because like a lot of people give cakes you know and my fridge is filled with cakes like just cakes and cakes and then I mean like it's a kind of like a tradition like very nice of you to buy a cake but I can't finish all these cake and like very wasted


so I I rather I rather they not they don't buy cake you know, ya recently recently also what they they bought like frozen yogurt, I don't know why ya ya it's like two boxes so it's like two litre, so like it's just too much I mean I feel very loved but like too much food like something ya I I I'd rather have something that can keep like for a long term lah


, ya but it's too much my whole fridge you know cannot lah so I I rather like ya cups


ya, you mean my


it was during my As


can invite me this year I very free, can lah, less than five or five, what is your biggest blessing in disguise


I think mine is this situation like this COVID situation, cause like, I have like a lot of overseas plan with the with the school so I got in like this, it's like you know I I don't do my course is not my course is not like medical it's like engineering so like when they said to go for a medical course like in this one week to Indonesia like I was really happy lah at that time but it was it was during March so it's exactly one week before my exams


and the exams is like quite a high percentage and then they told me like in the end like it they it got cancelled because of the situation so I couldn't go, like I was it was quite sad but at in the end like I was quite thankful for it because because of this situation I can focus more on my exams lah then in the end the grades is like okay lor


so I find like even though this situation is bad but there's some good like good returns lah, oh ya ya ya ya I get more time with my friends and family also like these past few years is like so busy you know never really have the time to like connect with other people


so I find back a lot of old friends also lah, I found back a lot or like keep connected with a lot of old friends that I didn't like connect with for the past like two years I guess,


(mmhmm)


I think like I don't usually have cravings ah cause at my house here got a lot of food, it's like, bubble tea just make yourself lah, but it's looks so fun you know you roll all the small pearls


ya what never mind what I mean you are not selling it you are just eating it yourself when fail just eat it lah and then try again


but honestly if you make it you fail right you will still eat it one ah, I mean like I put in so much work like even though it taste terrible I will like tell myself it taste good then I just eat


that's usually what happens, no depends lah like you cook yourself and like other people, , so describe one of your most memorable travel experience like for me it was like


my trip to vietnam with my family, like it was after after my A levels so it was like a it's a long long long break for me lah, after like studying so hard, ya and like it just changed my perception of vietnam cause like a lot of people think vietnam like it'll be like very down very boring like the most people can think of like is the #Ho Chi Minh# like the capital city which is like you know


very congested, like the image of vietnam is isn't like pretty you know at first lah but then after I went there it it's like so pretty there like how like everyone cause I didn't go to the capital lah that's the thing I went to #da nang#


then I really love the vibe there it's like very even though it's still considered a city area but it's like more it's more laid back more chill and like every day we just drink coffee, oh they have very very weird coffees there like a mixture oh but the they got like this coconut coconut milk Kopi I love it


their drip coffee, and it's cheap, I was six days only though, , oh but the place I was most shook about was like the #ba na# hills like cause there's this like three storey arcade but cause you pay for the cable car fees forty plus dollar sing ah but once you reach there everything is like don't need pay so the whole three storey arcade is like you just play until you go crazy


ya indoor one got outdoor one also got the you know like in Sentosa got this alpine coaster thing, so like it's it's like you just sit in the car then you like a roller coaster like that then you like go down


ya they have they have and is like you don't have to pay like hundred over dollar like singapore like that just to try it, ya and the food there is very cheap also


ya, ya it's like amazing you should go one day, ya


, now also


but but you can't eat spicy food leh their spicy food the best, (mmhmm)


!wah! craving #tom yum# sudden feels so nice though Thailand like do you go for the temples, the temple the four the four something, why


ya, ya go see lah, oh


, K, so


hello, (hmm), so, like you know always like used to like travel like every once a year but then like this few days especially now cannot travel lor so


but then I feel like I've am been like enjoying more than, I expected no I I I enjoying like not travelling more than expected like at first I I got so much plans especially like cause like this period was like I'm supposed to be doing like internship what right in china


my china internship but then it got cancelled lor but then I think in the end it's still like even though, I thought I will be like very sad and like every day very boring but I kind of like think it's better than expected


I like, more there's I pick up a lot of things that like I miss doing like reading like seriously, reading reading like I very long never read you know like the last time I read was like I don't know secondary school or even worse than that


ya, ya, ya I think like it's so cool sia but but Netflix is actually damn smart


, I just like I just thought like it's kind of , like this like the the life that I wanted like that, stress, ya


ya then like even though got like some work like cause I participate in some like research program with my school, got some work to do but like it's still considerably relaxing like I can pace myself


ya quite sure, ya it's like, the perfect life right now lah even though it's gonna last like another two months only so


especially like especially after like start uni, especially after I started uni lah, eh I have it here it's stephen kings, it


I finish already ya, ya it's super thick it's very draggy I think they can cut down like three hundred page or something like like at first I thought this book is like about horror but they talk a lot more about people as well like human to human interactions all this


like a lot of character development that I really like, the current one it, ya why it takes a long time for me to read ah should be like thousand over pages too thick


(hmm), (mmhmm),


so you been watching a lot of dramas or what, ya


ya but these few days like change lor like the way that you connect with people right, like usually we will we will watch the movies like together like in a same physical space like but now it's like through netflix, quite cool though


ya ya and like, ya but even though now like phase two already but I still like


don't dare to go out lah for now, ya still staying home until like next week probably I don't think it's like very wise to go out now, especially like the crowds eh it's crazy, that's why I don't understand why people wanna Chiong out like legit why


like see all the Instagram and everyone's out lah basically, ya but my family we decided to not go


ya I also don't we don't celebrate all this we don't celebrate, , then


what you looking forward to at uni, like what what do you think is like cause like you you, you got accepted to that uni right, but even though it's like not your number one


but what do you think about it now


(ppl), same, [oh] ya I think that's the worse part, for this, ya, okay


financial related topic, okay so cheryl what's like one financial advice that you would give to the you five years ago


uh so for for me right like because since young I'm always very like interested in finance related stuff


so like my dream last time and even now is like still like bank related maybe like a banker or something so like for me, like financial advice probably would be like create create like a financial calendar


like to track your savings and like everything like that so like maybe next time when I'm older when I have to pay like taxes and stuff like that then maybe I can like plan and, yeah so like to remember to pay my like quarterly tax or like something like that ya and another thing is I find like maybe five years ago like what I would do is I would always want like a money buddy


I don't if that make sense ya but is like friends that are very thrifty like maybe like would share similar traits with you and like save money together ya so because like


if you save alone then like a bit boring so if you save with other people might be like more fun yeah, no lah is not a competition is just like track your savings together then maybe can share with each other like how you spend your money and allocate your allocates your savings and your spendings ya something like that


ya, like keep me on track you know, yeah okay uh which question like do you wanna discuss next maybe you choose


ya now actually uh now I very thrifty ah ya I always will go for those like very uh like sometimes I will shop online like shopee all those cause is like much cheaper


then when you go like retail stores ya and also like I okay and because last time I used to buy a lot of like outside food like takeaways and deliveries and stuff like that but then because like I want to be more thrifty so I


started cooking and that's why like cooking is kind of like my hobby now ya how about you do you save


oh


, ya would you just say like you spend more on yourself or like spend more for like other people, cause for me like I'm very thrifty so I don't really spend a lot on myself but then like I'll spend a lot on other people ya


ya ya that's true then like how do you manage your cash flow like how much like do you allocate to like savings or like expenses or like other stuff and also like do you have the habit


not habit like mindset of like saving like big amount of money to buy like maybe cars or, or like big houses or anything that you want to invest in


then


forty bucks but it's like, is like on all like clothes food everything lah, okay , oh okay


uh, actually it varies though because like now because of the COVID thing I don't really go out and then like I don't really spend that much so usually like maybe one month


my parents would roughly give me about like maybe three fifty three hundred fifty dollars like roughly around there then like I would wanna save half of it, like okay on a normal basis I'll spend half of it and then the rest I would mainly spend on food


ya for me I don't really spend a lot on clothes also uh then for now because of the COVID thing I save relatively a lot so maybe like three hundred and fifty I would save like probably three hundred then the rest of the fifty dollars for the whole month will be like


on food deliveries or like sometimes I would like to buy like baking materials or like, things for my friends ya but on a normal basis okay sorry is very messy but on a normal basis like sometimes I'll do uh braces so


uh my braces appointment and everything all those money I use uh my savings also so like if like go for like appointments then normally that week like I would naturally spend more amount of money, ya and for me the reason why I don't really buy clothings and stuff and like why I'm quite thrifty now is because like I always wanted to get my own house


ya like, when I'm young ya like uh like car is not really a important thing to me lah but more of like house not that I don't like my current house but I just that I want my own house my own freedom and it's always like been one of my dream also so that's why like


that's how I allocate like my spending ya I would save quite a lot, and like uh because now I got like two accounts one is like my own account when I do it for like spending my own spending and my own savings and another account is actually like a joint account with my mum so it's like


uh every year we put a some of money in the joint account to save so like in case next time if I want to spend it on big expenses like houses then we can use that amount of money from that account


ya, then , actually both my both my accounts are mainly saving account is one of them is just a joint account so is basically like I save it with my mom the other one is also


kind kind of a saving account but I just use it to spend also I I I'm not sure how to explain it's a it's like a saving plan but it just, ya, ya ya correct


ya ya then uh would you like, okay this one I'm very curious lah like would you like next time or even now would you like DIY or like get a financial adviser to plan your finances I mean since you are so thrifty then like and then like you plan your finance then what do you think about like financial adviser


oh,


not then like about what age do you think like you will look for like a financial adviser, like first official job lah


, so so it's not like you prefer one over another it's it's just like , oh okay


ya cause for me like I'm very curious about this cause like my thinking is like almost the same as yours is like whether like do I even need a financial adviser since I'm like so I like I like planning and I'm quite organised so is like do I really need it that kind so a few days ago I


actually like last week I was having a conversation with my mum, ya not sure why we are having such conversation also but then we are talking about like finance and like everything then like she kinda enlightened me with some with like some of the things that she said and then I feel like


uh it's good to have a financial adviser to help you plan like your finance because it's like what's written online and stuff is might not exactly be accurate so like


having a financial adviser is like they're educated in that field so is is is better to have them to like give you advice, ya like maybe no need to commit to like one financial adviser but maybe you listen from like different point of views then just like see which ones suits you and like cause different people also got


different ways that they wanna plan their finance so you see which one like match with what match with your thinking and then I think like in the long run having a financial adviser is


very useful ah ya, yes so, then like


, you mean as in like okay uh like any friends any kind of friend like close friend normal friend is it, actually for me is like


I think as long even if it's friends or close friends I will just share with them maybe, because like uh even for close friends when I talk to them about my financial like plan or like my idea I wouldn't when I first talk to them I wouldn't say so in detail


so is just like on a surface level kind of thing then after that if like I hear their point of view and like they how they explain to me from their point of view and like I just see which one


I can it's it's not really for me it's not really based on trust is I mean trust plays an important role but, it's more of like professionalism like which one is more professional and then like once I feel like for example friend A is my very close friend and friend B is just a friend but if friend B is more professional then I would prefer


sharing more to friend B because like money finance all this is quite important it's it's not like, it's it's quite to me it's quite important lah so


uh like how to say, like I think sharing with someone that knows what they're doing is more important than trust ya then how about you


, but would you be comfortable like sharing with them,


oh, then like okay then do you do you earn extra income or like


to improve your income level like what you do, like would you go out all the way to do like a part time job okay for example like now because we're all having holidays right would you do like a part time job that you are not interested but actually you can earn extra income


or would you not do it because you are just not interested that kind,


what if you are just plain bored, like if you are bored but then you see people on instagram or like social media that they're doing like extra work to earn extra income


would you like do like wise, or,


, ah,


interesting , like like for me is I feel, I feel like if it's something that is kind of interesting and I can learn something then like ya I would do it for the extra income but if it's something that like I'm totally like not interested but because I'm I'm money minded and I want to earn extra income then I probably won't do it because


if I might feel like very bored when even if even if I earn like maybe like extra income but then I feel very bored doing it then I probably won't do it lah I'll spend it on other like other things that I feel more enjoyable


ya like even if I do like normal charity work that doesn't allows me to earn extra income but I feel like it's more fulfilling then like I think I will go that path rather than uh like doing jobs that help me earn extra income but definitely


but definitely like, if you can do something that you enjoy and you can earn extra income then I think that is great also ah ya, no no no lah I am also but it's just a different way lah I wouldn't do something that I'll feel very bored in even though I can earn like that amount of money lor ya


in the short in the short run I think it's okay I actually been a packer if you if you don't know for like two three days that kind ya I think is quite fun leh it's an experience cause I never have done that kind of job yes


okay


negative experiences, okay cheryl you start


, !wow!, I actually I actually don't really know why not you say first


(uh huh), ,


ya you all you all used to be super close like ya


oh really, oh really I didn't know about that, then did you ask him why


ya


I I remembered we we met up in sec one and sec two and you were telling me about that also, ya I didn't know you all were in same class though in sec three and sec four but I did I did I actually did talk to #kai xiang# for a while in sec three if I'm not wrong and then at that point in time he was feeling quite down also because of


some reason I think you you know also ah, oh, shucks man , okay for me I think the most traumatic experience would be


my grandma uh my my grandma is very healthy she's super healthy like and she looks super young although she's not her age isn't very young and it's like she's she doesn't have a particular sickness


that suddenly led to her having kidney stone like but this happen about five or six years ago if I'm not wrong so she suddenly had kidney stone and then like I I'm not I'm not I I'm really not sure how it went but like she suddenly she was admitted to the hospital


and then like , uh she was admitted to the hospital then we thought all was fine like the operation oh she had operation to remove her kidney stone but then after that, like suddenly after her operation it went it was successful but then after that she got low


low blood pressure and then she suddenly had super high fever and then the doctor suddenly said that like her life was endangered that kind you know like, so it was like a one day kind of thing so it was very like sudden and then at that point in time my relationship with my mum wasn't very good at all and the only person that I talk to


or I open up things to was my grand mum my grandmother so it's like and my grandmother was always close to me since I was young like I she took care of me, and I stayed at her house all the way up until primary school then after that for every like table tennis competition she always go support me she's just like my number one supporter even until now to be very honest


but then she suddenly had that so to me it was a very very scary thing especially I don't want to loss her so I think like and then I couldn't visit her also because my exam was the next day and then my mum wouldn't let me go and another reason was because the visiting hours


uh is already like close lah, so I think like that was the most traumatic experience for me ya, K , I mean ya she's okay now she's doing like super well now


and then you all know my grandma right, ya she basically she knows all of you all, so yes okay another thing what makes you stressed


like for example


, oh, for me


what make me stressed, I think it's, I think what makes me stress is like when


uh, okay oh I know what make me stressed is uh besides uh exams besides exams what make me stressed is like, uh like things in my like my lifestyle is is not right like for example I think doing this CB period there I there's one of period of time my hair was balding right ya then that made me super stressed out


because it it like never happened and then like also like uh like, hormone changes periods irregularity all those things it makes me like super stressed out like what's wrong with my life because I'm leading a healthy lifestyle but why is this happening and


like because I just want to be like a normal person that kind with a normal hormone normal life and all those things so it worries me like is it something happening in my body is it like my large intestine or like my small intestine or my colon or whatever having some problem


ya or like digestions not or if my digestion is not well because or like I don't know something like that it will it just like stresses me out ya, then what do you often worry about


oh sorry


oh okay okay I then I then okay I say what often worry uh uh me about is like how like the things that I say right how would people perceive it, yeah because I'm very straightforward


and like I know and like I know I am but then the thing I don't really like to hide , I don't really like to hide like I don't want really like to like not not okay maybe not hide like, I don't like to fake like like for example


like this thing you did wrong but then because you are my friend I wouldn't be like oh it's okay you did right it will be over you know that kind of thing I will just tell you you do wrong and then this this is where you do wrong this this this this this


but then after I said all these then I would worry like like oh oh man are you gonna think like do you think like I'm very bad or like do you feel very hurt like something like that I will think like I will feel how you feel


and there is also because of my empathetic nature lor ya like, recently uh I said something that uh was not very nice, to someone that was very close to me and then like I'm not sure if that person took it very hard or took it very easy like it was meant to be a easy thing but and I didn't say it in a very mean way also but I just not sure how that person's gonna


take it you know is he gonna take it very hard or like not or like is he gonna be okay that kind of thing so like what happens behind the scene as long as I'm not there and I'm not witnessing it then I will worry


ya even though I know is like the right thing to do but then I will I will worry like how that person will feel ya so I think that that is something that I often worry not to a specific person but even to like sometimes like things that I say to


family members like, uh like what you are doing is wrong or something like out of bit genuine I would like tell them but then after that I will think like oh is it respectful to tell someone that is older than me what they're doing is wrong or something like that although it might be like the smallest kind of thing


ya, is okay is okay is okay but then we then we we move on to another question lor, uh, what's the biggest thing holding you back from your goal ah


quite interesting


, okay,


so so it's just so it's just your own your own self esteem lah your own confidence ah, but have you like tried overcome it cause like you it's it's something you really want to do what


so as in you know you know if you put your name you will get in but then you didn't cause you are scared


oh, cool cool, for me for me is like, my goal my goal all along is to be a banker but then like


doing being in a bank related field you need to very outspoken but then I think as you know recently I'm, not recently lah but maybe this few years I've I've been more of a introvert


like, whenever I talk to you all like my like you Eli and all those I will always be like laughing and talking like a lot of nonsense things but you know it's a very random thing you know that there is just not


a specific thing that we always talk about ya because like I feel like as years pass my confidence just become like lesser and lesser and then I just feel like I'm a introvert especially like going into university then you see like a lot of people


and then like, a lot of the girls are like very mature, ya and then like they're also much older and then also because you are short and stuff then like people might perceive you as some like <mandarin>小妹妹:xiao mei mei</mandarin> or like something like that ya then like naturally


and then like because of all these then I feel like I'm not very outspoken and I'm not those kind that will initiate, to do things, I mean but with you all I will lah but just like with like other people like normal friends or like acquaintances I wouldn't


so then like I feel like I'm not very outspoken but I know like being in a bank related field you need to be very outspoken cause like have to do like sales or like, basically a lot of I I'm not really sure but I just perceive it as something that you just have to be an extrovert because you need connections and everything


so like I think that is something that is holding me back because I'm not one that will talk a lot now like even if I do it's really like random stuff is not really like a conversation that can be sustained


and but that's also because there's really nothing going on in my life, ya like is kind of peaceful like there is no drama there's like nothing and a lot of the things like , they say okay in let me translate from chinese they say is like your own problem you own self solve so is like as I grew older I don't like whenever I have problem I try to solve it on my own first I don't like first hand go and tell other people and expect them to solve it for me because I feel like


is like they already have their own things to do already and then this is your own problem like why must you make other people like help you or like with your problems and stuff like that so like naturally I became more introverted, ya and that's like something that is holding me back lor


ya, you want you want to wrap it up with a short question, okay okay got one what are some of the hurtful words someone said to you you wish you you wish to forget why not you just say maybe like one sentence or something since just now you one question ya that you someone some hurtful words that you wish to forget


hurtful ah


[oh] !wow! that's so not you (ppl) okay, okay


positive experiences, okay cheryl so right we are both foodies right we love to eat right so what is your comfort food that you always rely on to cheer you up


why what why potato chips though of all food leh


oh so you low key hinting me that you need potato chips and ice cream lah okay, you you guess


no okay uh my comfort food is hands down #tang yuan# and it must be like black sesame #tang yuan#, uh I don't know uh I don't know how to say #tang yuan# in english like I'm sorry ya ya but I like I like no it's just #tang yuan# in ginger soup the black sesame one it's like hands down my comfort food and besides


ya correct the feeling then will ooze out one you can buy it from like giant NTUC anywhere they got sell those kind like I super love it ya okay then uh but then is not only #tang yuan# I like cakes also


like cakes are my guilty pleasure is just like your potato chip you know, ya like but I like like creamy cake those kind and oh oh oh uh I love like uh Mochi also


!huh! uh the cold one ya and I love actually I love a lot of things lah I like oats I actually like oats I actually also like salad but I don't know if that counts as like comfort food


ya, technically technically I like a lot of things oh but recently right recently I found a new love for bread like all kinds of bread I think of bread like every single time and then I put like extra butter you know those kind ya eh cheryl don't laugh ya but I love those


okay okay another one what do you love most about yourself , everything so <mandarin>自恋:zi lian</mandarin>


so that is a character or personality that you like most about yourself, , then how about physical just like one like one thing you love most about yourself


so cute , no no no no no no no no I don't love everything about myself (hmm) I think ah


uh, okay yes yes eh I also only have one dimple leh okay uh besides that point in terms of personality


I like that I'm very empathetic, ya I feel, like every time I will put myself in others other people shoe, ya and I kinda give like


I I don't know if it counts as loyal also but more of like I'll be there for you if you need it that kind ya so example like if like if you have difficulty or you


or you have something sad that happened in your life then you tell me then like most of the time for example whenever you tell me your your the things that you are puzzled about or the things that you are sad about usually the first reaction that I will give you and not only you but most of my friends are like advices right


ya like I will always give you all like advices and then like I would, make you all think from like other people point of view right, ya but then after that I will like comfort you all


ya and then like I will I feel like if it's my friend then like I'll I will go extra mile for that person or like I'll stand up for my friend every time they get bullied or like whenever they are sad so I think like that's a


thing that I love most about myself in terms of personality then in terms of physical trait ah, no I I think I like I think I like my eyes ya not sure why also but that's probably like the best


actually, ya, describe a moment I not I I need to think leh why not you say first


oh, , ah


okay for me is after listening to what you say like I don't really have a specific thing maybe I do but I can't really


I can't really think uh is is nothing comes out of my head now but following what you say I think for me uh the most like something that turns out better than expected was when I get my


uh A level grades ya its, is like uh I didn't I personally personally I didn't do very well so then I thought like my parents will be upset uh uh will be upset because they send me for tuition and stuff like that and I also think a lot so then


I I feel like oh maybe they felt sad that I didn't do well and then their money were wasted and like spending tuition for me but then like I actually didn't really do very well so, but then when I told them my results my mum was actually very relieved and she was actually the one that comforted me


so for me I felt like that turned out better than expected I was ready to get like a scolding from her or like my grandparents saying like why I never do well and stuff like that but actually


they were they were pretty chill about it and then they were actually my mum was quite happy I'm not sure if I told you but she was actually very relieved that I got this grade, because she she know that I worked hard lah and then she actually comforted me and then like when I got into like when I passed like all my uni interviews then she was also very happy so I think like


things turns out better than expected in this case, ya correct and also maybe in general basis is like I tend to overthink a lot so like whenever I do this then like I scared my friend will be upset those kind but most of the time it turns out that they are pretty chill about it


ya so don't really have a specific like event but in general, ya, then how about what's what's your best birthday present and why


curious ,


okay okay my turn you know cause , uh actually uh I get what you mean uh okay we'll go into that later so


just, okay just a background it's like my birthday and cheryl's birthday falls very early in the year like cheryl is february I'm january so usually like no one ever for okay for maybe for me like no one ever remembers my birthday because it's like


for example if you go into a new school is like whenever you when by the time you know this person well it's already way it's already february or march it won't be like january so like no one will actually like go and celebrate your birthdays and stuff like that ya and


also like normally because it's very close to new year so people wouldn't really remember and every time is like start of the year people will be like oh I'm planning to do this they are focused like more on more on them more of more on themselves, like for that year so people usually forget like my birthday but then


for me is always the thoughts that counts ah so and I also value friendship a lot so uh like how to old friends, is that a wrong word old friends like maybe my primary friends or some secondary school friends or even like JC friends that actually remembers my birthday and spend the time to actually go out with me and celebrate my birthday like it's actually like very


touching lor it's like I I wouldn't say there is a best birthday present because all birthdays to me like whenever like spending time with my friend alone to just talk and maybe like celebrate a bit of my birthday I think it's more than enough


and then like I'm very thankful for that also ya okay so one of one of the year it was it was I think chinese new year fell on january or something ya and then like


I don't know I I actually I forgot how it actually happened but then I was telling oh I think I was telling like cheryl and one of my other friend that I really wanted this dress so they actually got it for my birthday yes but with that said I think like the more memorable one


with with cheryl they all was actually when they plan to come to my house to celebrate my birthday with like the guys also, and is like I didn't actually that one really shocked me it was actually normally when my friend ask me to go out for my birthday I kinda already know that they are gonna celebrate my birthday but but normally is like


that time cheryl and our other primary school friends they actually planned with my mum, which which was so rare because like I totally didn't know and then I was going out I was ready to go out you know and then suddenly the doorbell rang I was I think I was like wearing my shoe already then they suddenly came to my house


so is like I think like and then like you all buy you all you all bought pizza and then we watch horror movie in my room, ya that was like very very memorable, ya but actually it actually all all birthday spent was memorable leh and there's no like actual one actually to me is just like spending time with friends lor like you know like you know me I'm those kind that like will value friendship and stuff


so like just spending time is, the best, okay maybe maybe we do uh one or two more questions, okay let's let us do the, I I saw this question right oh who in your life do you look up to the most and why


oh really I actually don't know that, oh , oh


(mmhmm),


, okay, for me it will be I never imagine I will say this and it's not some it's not all along I look up to that person but it's only very recently


I actually looked up to my mum because like recently a lot of things happen it's too long to say here but like, she's she always like she won't say it out she always like keep it in like she okay she will say it out some stuff but some stuff I know like she will keep it in so to that is to me that is very like I very respect ya and also like she's very busy


cause she's handling my grandfather company but then she still will go go ahead and like , like send my grandfather for therapies and all those cause he's not feeling very well, ya and also she's always there for me so I really look up to her and then for and there's also another person I really really look up to and I never ever say this to anyone oh my gosh it's so embarrassing to say it here because


she she's actually like the moderator actually look up to rachel Ho a lot ya I mean like from my bottom of my heart I really really look up to rachel Ho because she's always very positive like cause I'm not very positive person but then she's like super positive


and then she's like super good looking and then she's super smart leh like like I don't even think she's I don't even think she studies that much but then she's still like super smart ya and that's something I really really look up to like I want to be I want to be that smart also


yes correct okay (uh) she cause she said she wanted a correction that she studied a lot ya (ppl) okay


uh financial related topic


I think like okay lah honestly like to be very honest I quite I was quite thrifty when I was younger like until now so like I will don't think I will give like any financial advice to myself more of


more of like uh I don't know like maybe if I would give others lah ha let's say save more lah like when you are younger cause it's easier to save when you are younger when you don't have that many responsibilities and needs ah, right like when you are student and what so ya lah that's one advice lor that I have followed so


how about you, ya


what do you mean


, so like it what like a competition or what


, oh, okay so someone to keep you accountable lah oh so okay I get I get your point ya okay


no I was I'm curious ah so do you save a lot like do you have the habit of saving like now like I know you're interested ya so do you save a lot ya are you okay


(mmhmm)


uh I think yes cause I don't really buy a lot of a lot of things that I want to have like most of the time it's it's like if I want something I will I will like okay I want this and then I will list it down and then I will be like


a few like maybe three months later I will look at the list again and I oh do I really want do I really still want that and if I really still want that then ya lah I will buy it lah but most of the time I three months down the road I wouldn't want it anymore so I wouldn't end up purchasing it that that thing that I want


like not say like clothes lah like like clothes I don't buy lot clothes I wear the same thing everyday so I do save a lot of money on that but more like big tickets ah like like more like big ticket items like electronics and what not ya I would say


I think is equal like ya


ya I guess like when spending spending on others you don't think that much like for my case ya


I think is there's no particular big thing that I'm saving for it's more of like save as much as you can now, because easier to save now like that's my mindset so how do I manage cash flow is more of like I have a budget lah


like each week like maybe spend like I only can spend forty bucks then that's my budget that I stick to lor, cause, ya but like I said I don't buy much clothes so the forty bucks is towards food lah


ya, how about you how much do you spend on spend on yourself per week


, (mmhmm) ya


, (ppc) sorry, (mmhmm)


when you are what twenty five


ya ,


okay I see okay so it's actually you have a savings and a spending account lah like essentially like you don't touch you don't touch the money in the joint account


ya okay


, you use the money in like you touch the you actually touch the money inside lah okay


uh good question


good question I think I'm not very like uh, what's that word very good in a sense like other than other than like I know how to save money other than that I don't know any other like ways lah to make sure that like I can gain like financial independence or whatever


so yes I think would look for financial advisor but I'm not sure, cause, I think like when I first get my like when I get my first job


like ya first official job if I'm still like oh I don't know what to do with my money than ya I will look but like in the mean time like if I end up learning more about everything and I end up like knowing what I wanna do what I'm doing with my money then ya lah I will own self


plan for myself lah but I if I still didn't go and research into this field than ya I will look for a financial advisor so it depends if I trust myself with my own money by the time I get my first job


ya it is like based on my needs lor at that time, ya, you leh


ya, ya


(mmhmm), but (mmhmm)


(mmhmm),


silent audio


okay


I'm just curious ah like a bit tangent but like if your friend were like if you have friends who are financial advisors like would you would you mind like asking them for advice or like, it's something that is too private that you don't want to share with them


I I mean ya lah ya lah friends lah


(mmhmm)


okay !huh! uh free financial advice why not


like you know, I think yes cause I feel like, uh it's not like to me ah like finance is not a very like I know like there's a huge stigma like you're not supposed to talk about your like income or whatever but I don't feel that way lah so like I'm fine I'm fine with sharing lor like no matter no matter who


ya cause I I don't see I don't see an issue in like sharing like what what my goals are or what my income is ya


good question not not really anything


yup, okay to me I obviously find stuff that are interested in lah right like that's my first priority but like after awhile if like okay ya that there comes the point when you know that okay it's not feasible or like you can't find it right now


right like uh then I will look into like okay do I need money now like do I need extra money to spend now or like am I like is it more important for me to focus on my studies focus on myself focus on my family like what's the main


like most important thing right now lah if it is money then ya I will do jobs that I'm not interested in for the money, right ya but if I'm what do you mean by plain bored like


or , I guess okay if you're saying that I'm bored like as in like I got nothing else better to do like I don't need time for myself don't need time for my family then or my friends then like okay lah ya why not


I would lah, ya so like right now if there's a part time job that is available even if it's like a three day kinda thing I would do it lor, like just because there's nothing else better to do now lah cause there's so like so much time is already invested in myself in my family so ya {lah}


yes


oh okay, ya so so the difference between us is that I'm I'm money mind money minded and then you are not


okay but what if it's like a two day kinda thing like you'll be bored for two days but you get paid


ya ya those I was talking about those kind of job ya ya, okay I see


okay (ppl)


negative experiences okay , k uh what's the most traumatic incidents you've ever experienced in your life


, uh


traumatic incident, can I talk about can I talk about like friendships like, it's not like an incident but like a whole okay cause like okay I think you know lah like like when in primary school I had I was very close to a a person ah I think rachel Ho knows also


uh you know #kai xiang# eh wait I cannot see Dilis, okay wait like I was close to #kai xiang# lah then like in primary school we are very close then like I thought he was a person that I would count on for like a very very very long time and then like when we went to secondary school


it's like he found like another group of friends and then I don't know what happened but like, but like we we were not friends anymore like there wasn't a specific thing that happened that led us to not becoming friends like there wasn't this specific incident which I felt like


it's the most traumatic lah cause like it it it like I couldn't explain to myself like oh why why did I lose this friend or why did I fall out with this friend because there was no specific thing that, I know that I did or that I know that he did it was more of like a a like ya we're moving on to to different chapters of our life and like I guess like we don't need each other anymore I guess I don't know but


ya lah that's was like kind of ya and like and like it's it's more of like the fact that I don't know what happened that is traumatic like cause there was no there was no like reason behind our


there was no reason behind like us not being friends anymore like and then like the worst thing is that we had uh we were in the same class in sec three and sec four and like he sits right in front of me and we don't even talk !huh! so ya ya


ya, and like okay lah we had this like uh in like sec one when we started to like like like drift apart I did ask him lah like what happened and he's like oh nothing happen like then I was like oh so like why why aren't we talking lah and then he's like oh like


we are just friends lor if you have anything just hit me up but like I didn't feel I didn't feel like uh when I was talking to him that he was interested anymore in a sense or like he was even interested is like being part of my life as a friend does that make sense


like even though he said he did he did say that like oh ya if you have anything on in your life that you want to talk about like go ahead lah like that he is there for me but you could you can sense when that is just a statement and that's not true


ya, ya, ya I mean


ya ya ya yeah


uh (hmm),


(mmhmm)


glad she's okay ah, ya I mean I see her before okay okay


uh doing things that I'm not good at I'm stressed or trying new things makes me stressed


okay I'm not a very okay I'm not a very like uh extroverted person so so if I'm forced in a situation where like I need to talk to people or like talk to new people


I get very very stressed and like I cannot form a proper sentence that kind of stress and it like it doesn't show very well cause , like for example like new situations like orientation right like I know it's coming so I have that I have that that mindset to like okay ya I need to prepare for this I'm gonna meet meet new people for like this day from this day to this day so like you better like buck up and like ya but like if it's


like jumped upon me jumped upon me then like ya lah I I really like I cannot even form like hi my name is cheryl nice to meet you like that doesn't come out from my mouth and that that is ya that is like stressful lah


uh my life in general


I don't think there's a specific you just brought up like this whole you know like I don't know like what do I worry about uh, I don't know how to answer this question how about you start


(uh huh),


ya, yes,


, ya okay


(mmhmm), (mmhmm)


okay, , okay to be honest I don't have a specific goal


like okay okay like academic wise I don't have like financial wise I don't have like I don't have this like big goal like you you like you want to buy a house when you are twenty five or whatever nonsense age you said, okay cannot joke then uh but like I don't have that goal like that kind of big life goal so like okay lah like if I'm talking about like a personal goal right right now it will be like netball related because I play netball


I think uh one of my biggest goal is to uh okay there's this like club like, competition court called NSL lah it's like this biggest okay like it's just this bigger competition in singapore lah for netball like I wanna represent my club for that but I think what's holding me back is like my own worry that I'm not good enough


like I'm not I'm not to that standard yet where like cause I don't want I don't want to be chosen just because they have no one else to choose cause that's my I don't how to pronounce that word like what I am in right now is where like they have


they have no players so like if I were to put my name up for it most likely I will get in but like I don't I don't want to I don't want to put my name up for it because I know I will get in and I know I'm not ready so like I feel like that's what's holding me back lah like


my own like I don't know if I'm really not that good and that's why I think I'm not good or like I'm actually of a certain standard and think that I'm not that good does that make sense like my own personal


I ya I guess I guess, I mean uh uh I tried but like uh okay I I tried last year like I went for the trials like I put my I actually put my name up for it but I kind of backed out like after like three weeks


cause I really felt like I wasn't ready like that's this like there's this feeling that I'm not ready lah so like I took my name out lor, does that does that make sense, like most ya most around that lines ya


(mmhmm) how about you, (mmhmm) (mmhmm)


(mmhmm)


(hmm)


okay, !huh! but thirty five seconds, , oh shit well I wish wait wait wait that I wish to forget


I don't think anyone has said anything, that that I will forget cause I I'm more of like Alamak I don't know err


uh I guess attention seeking, okay ya exactly okay


can I I already press the start button am I suppose to stop I I


sorry, positive experiences yes


okay like okay wait wait wait temporarily or in the long run cause temporarily is definitely potato chips but after I finish eating I'm not happy so


yeah potato chips like a lot what, like I don't know is just is just like okay cause at home right I don't really have, like I not like I go to a lot of people houses and then like they have like like like supply of potato chips at home but I don't at my house cause every time like a bag of potato chips is bought or placed in my house my dad will eat it so I don't have like a supply you get what I mean so like I don't have that access to it


so it's like chip potato chips and ice cream it's like something that I don't I don't have access to it like twenty four seven so it's when I get it I feel happy lah cause like is something that I don't have mah right like normally so it's like a what


yes thank you , you leh probably like some like random dish that you cook yourself , guess ah salad


okay sorry but what


#tang yuan# uh soup soup ball ah, (uh huh) ya wait the one with the with the black sesame inside is it


, okay , (mmhmm)


yes yes


isn't there two kinds am I wrong , yes see I guessed salad it is comfort food right ya


it's quite funny but okay


oh good question everything okay okay lah I think I'm really loyal like self praise a bit I think like for me


I pride myself being loyal lah like if my friends have anything that they need or they want then like I'm willing to like spend time with, them or like I don't know like stay with them through everything lah like that's what I pride myself with lah


ya cause I feel like nowadays a lot of people are, ya, not as ya


uh chubby okay lah you leh everything right what okay I got one more thing I got dimple but I don't know which side is it on


ah is on this side I got one, it's quite cute what yes,


, (mmhmm)


ya, ya you will be the devil's advocate right ya okay


, (mmhmm) physically leh is it your height (mmhmm)


okay okay (hmm) oh this question interesting describe a moment when things turned out better than expected


okay for me it's very cliche though like , actually like okay like like national exams like O levels A levels is like this this feeling of like I think everyone experiences the same thing like not only me obviously like everyone experiences like that that feeling of not doing enough or like not


not uh like not being able I don't know like I don't know about you but like I felt like oh like, I'm gonna flunk this like I gonna get a D or C or whatever lah like that's the feeling and then like when when the results come out it's actually like oh I shouldn't have put myself down that much because you actually did fine that that that kinda that kinda


you know you got what I mean like ya you expected to get this but like you shouldn't have worried so much because like you okay you doesn't get good grades but you did fine right and like you're fine no matter and you're fine no matter what you get


that kinda that kind of mentality ya,


, ya,


(mmhmm), ya okay,


ya,


ya, (mmhmm) ya okay I get what you mean


uh good question ha I can't think of a specific one, okay I think there was once where I was quite I was quite upset cause like my birthday fell on fell on like this this thing where you have to stay back for like until like nine PM in school lah


then uh so I didn't really get to like uh spend my birthday with like people that I love ah cause it ended at nine in school, then like my friends made the effort to like make my day more comfortable in that sense and then like on that the next day which was like a weekend like uh one of my friends took me out


to like this place that I really wanted to go for very long time but I didn't want to cause it was pretty expensive like this cafe and ya lah I think that was very like the fact that uh my friends took the like in school like they made they made an effort to like


make that day better for me because that they knew that I was having a bad day because I've a lot of extra things outside like that I don't think it was like a thing it was more of like that attitude that they had towards me, that like I felt was like the best present they could give me because at that circumstance like my like my mood that day was terrible and the fact that they tried to make it better was good lah ya that's my


ya yes , you better say the dress


(uh huh),


(mmhmm) ya but the dress


, yup


okay, ya that's kinda true


okay, okay


like okay lah cause cause like as much as as much as like his achievements put pressure on me it's cause like you're asian parents like oh if your sibling does this then like you have the expectation to live up to that standard, but like I feel like even though I had that pressure it was more of like he was very supportive of me and my own like


like like path that I wanna go cause we are both in very different like he's in computer science right and I'm studying like in FASS so is like it's totally different then like uh he he's always like he always sets this like goal like he


he only wants the best for himself and like that's what I think like he wouldn't like like you know how people like okay if you don't achieve this goal then they will have this lower goal I don't know about you but I've met a lot of people with that mindset that like okay I can't achieve this so like I'm gonna set this low bar


but his bar is always up there and and like no matter what happens his bar is set there and it doesn't like it doesn't drop for anyone or anything or circumstance and I think it's a very good like mindset to to to like


have lah in a sense but be it like in your personal life or like your career or your academic life, and I think like his his high standard for himself but like being still being like a a family person or like a like a good friend to his group of friends like it's still like a very is thing is something I look up to lah like I really really like


like if it wasn't for him lah I wouldn't, I wouldn't like be the person I am lah like cliche ya how about you


(ppc)


, what super good looking okay


(ppl)


wait ah am I lagging okay


uh no can already okay


so do you have any personal insurance you want to share first


oh just one right oh my is AXA hospitalisation plan like ya covers all wards till A ward but then I never use before ah so I'm not too sure ah like when I will use it also just buy only ya


okay so what about endowment plan, same but why not


oh I feel like at this age I still cannot afford like the plan and all so like although it seems quite nice and my friends has it but like I i don't see a need for it for now lah but maybe when I start having income I will get it ya


, no but then I have insurance for like when I travel I do I do purchase the insurance cause it's like quite cheap so its okay and then like seeing all the things that they cover makes me a bit paranoid but in case it really happens


then like why not ya, no leh cause like missing luggages and all don't really like have it so it's okay and all the accidents and all ya


so , then what can you do to earn extra income or improve your income level what do you think, ya as a student


(hmm), ya


agree ah but then like I think in order to have a high level higher level you really need to think out of the box like you cannot just stick to a part time job lor but then for us is like, I don't think can exceed three hundred with our schedule during school days ya but I guess during sem break can earn more


do you have the habit of saving, ya


uh not really but recently I try to have piggy bank like to force myself to save like the kinds where I cannot open up the bottom to take out the money and use


ya but I think its quite important to save uh especially when you are entering adulthood soon, ya, so how do you spend your money


oh, five years ago ah, i think I will pick up a part time job earlier


oh oh I will I will pick up a part time job earlier, like five years ago so that I can start having an income and then start saving up instead of just relying on allowances for my spending ya


ya but then I think like after going to work I realised a lot of people start working at the age of fourteen to fifteen like even if its just mcdonalds right they are still income and I think it's quite ya quite good ya so could have started earlier


how about you,


so , I guess I will get a financial advisor cause like I don't know much about finance ah so I don't trust myself on this kind of


like Chim stuff, how about you, (ppc)


but then but then the, but then the financial advisor will help you plan accordingly to like, your I think your income level and your needs like unless I feel like if you have a lot of knowledge on


(hmm), I feel like a lot of people around me are doing like financial advising kind of thing so maybe once I have an income I mean like like steady amount of income flow then maybe I will consult them for help


ya, so


i feel like I spend without considering like ya without any consideration expenditure that is justified maybe on food, but then at same time I think I'm spending too much on food as well like maybe some things like dessert I don't really need it I can save on that instead of just eating whatever I want ya then sometimes I cannot finish then throw so wasted ah ya


how about you


(hmm)


oh but then ya I agree on the transport part I spent quite a lot on grab as well then like sorry, sorry can you still hear me, for which one


but then I feel like I don't know I grab quite a lot to school last time then I feel like if I wake up like maybe forty five minutes earlier I could have spend that like I could have saved on that, nine to ten dollars


then if it ya then adds up is like quite a lot ah, ya, so what bank are you using for your savings or like


ya for your savings, same POSB savings ya POSB savings right, but why do you choose POSB though


, uh for me it's because like I had a kid's trust account that my parents like set up for me so I think it's easier to continue just open another account or something like that ya and then like I asked around lah like


my friend they all all use that POSB savings like the passion card one so I just follow like I not too sure about the other banks also I just hear around just apply for it ya


no eh, I'm not too sure but then as I grow older people talk people tell me like other banks have higher interest rates and all but then in my opinion I feel like my savings are not that high that the interest rate will affect me drastically is like maybe a few cents or a few


i don't know not much so I feel like it's okay lor and then I think there is no minimum savings amount like you won't get penalty or anything that's why I just continue with that bank, ya


(hmm) then I recently set up another account for like I think it's OCBC frank ya then I think quite nice ah they have a lot of card designs which is quite cool like maybe if I know earlier I would have just went to OCBC


ya but then never really start saving up yet cause my income not that much ya, so ya to control our spending right


ya then I heard from people around me they have like separate accounts for their savings and then for their spending also which is something that I don't have yet lah like I just spend from both which is very bad ya


oh I heard of that as in I I read somewhere also I think it's not bad like maybe spend twenty to thirty percent but I still think that is still not enough like


as in ya it's not enough for my current income level it's too low for the percentage thing maybe when I enter the workforce as a full timer then I would start like saving properly, ya


!wah!, you want to start first


oh then what I heard from my parents is that it's important to also plan ahead like I think crucial for my like maybe three to five years in case your income really drop drastically or what ya then make sure you can still afford that instalment monthly


then I guess you can also ask yourself like do you really need that big ticket expenditure like I don't know is it really important in your life like the money could have been better spent somewhere, instead like do you really need that many cars or like that big of a house ya


(ppc),


ya then I think you also have to plan ahead lah like whether your child is going to university how many children you have cause these are also quite expensive stuff to pay for then it will add on ah when they grow older ya so it's important to plan ahead


I think I will just look at what it covers and how possible it is that those things like I would need those coverage ah


then questions that I may ask the insurance agent will be I think I will first look at how credible the insurance agent is and the company that he or she is from ya I think the bigger brands are like AXA or like Prudential


ya these are the common ones that I heard of ah the rest I not too sure about then honestly I really have not much knowledge about insurance so I guess almost like everything from the details to the monthly payment ya


what about you


so what advice or you want or what advice will you give someone to get him or her out of debt ya


I think it's important to find out like the cause of the debt cause I have a friend who like got into gambling at quite a young age and then got like like on a more individual level like he started borrowing money from his friends and all lah so


he started accumulating up to like uh one K plus of debt at like a young age like before he had a steady income flow ya then I think obviously the root problem is his gambling habits lah so he could have


stop or like maybe seek rehabilitation from there ya if he know that the root cause is from there then I guess also need to start need to plan all the the spending habits like if you know that you are in debt then you need to cut on some other parts like entertainment maybe


not say completely [lah] but like a little bit ya, ya that's all (ppl)


negative experiences, so, have you gone through any loss in your life and then like describe your emotions at that point


when you experienced that loss


mine was like two years ago like it was nearing A-levels then my grandmother passed away then I felt quite like obviously I'm sad but then it's a bit too sudden cause we thought it was just like an infection


but then it ended up like ya quite badly then, apart from sad I just have regrets lor like not not visiting her more often ya and then like, I just wanted to be alone ah at that time ya and not really hang out with people but then it was like


because I am alone most of the time I guess I have more time to think and also like cause I have to prepare for A-levels then less time to go out and play ah like cause my mood was quite low it's like not high all the time ya, so what makes you stressed


(hmm) for me it's public speaking, i think it's like it's actually more of how people perceive of me ah and like I'm scared of judgements I guess, ya so like when I feel like when I'm doing public speaking people are all focusing on me so I feel very conscious and stressed like I'm afraid that everything I do any small things that I do will be pointed out lah ya


and perceived negatively by others, so what do you think is the biggest thing holding you back from your goal, ya


for me would be my own discipline


ya like I'm the kind who set like mean like need my to do list for like the next day, but then like simply having maybe like two to three extra hours of sleep could have spoilt your plan and then I feel like I don't to continue anymore and then I keep on pushing it back and procrastinate all the way so I guess the lack of discipline is like the biggest thing holding me back from my goal like


I'm okay with setting plans and goals and I kind of have a rough breakdown of how to achieve that goal but then I I don't think I have the discipline to follow through the things that I plan ya which is quite bad


I guess like not really wanting to not say start the fire lah but like, this moment was experienced when maybe I was in secondary school and then like I think cliques were like very common ya so sometimes I feel quite left out from like the cliques and groups that are formed


ya but then instead of starting the fire I guess I use it as a motivation for me to achieve like, other achieve better results in other parts of my life like maybe at that point in time I didn't focus that much on my uh my interpersonal uh communication with others but then like


I guess that's when I got more motivated to study as well ya and like find my own self worth lor cause like I don't have to seek validation from others, ya, how about you


, okay ya can what about you can can, ya


describe the saddest scene you've ever witnessed


mine was when I was in p two I think I was at like, like queueing for bubble tea near a shopping mall then I think that's the first time I felt like super sad for people selling tissue paper outside the mosque like that was that strike me most cause like the aunty was sitting on a wheelchair


then she was singing some tissue paper song that I think she ownself compose and sing lah which like like includes hokkien words and mandarin I don't know I listen to her sing at that point like make me damn sad like super sad cause I feel so bad that she had to do this at her old age


ya then ever since like I just try to buy tissue paper more from like people selling them ya cause I don't know what's like, like what's the reason why they are out there also so just help lor ya


what do you often worry about


I guess like the future cause like, I'm not too sure what it will be like like even five years down the road like quite afraid that I cannot find uh like a job that I like ya then also things like don't know when COVID will end makes me a bit


like, scared also lah just worry that things won't be nice in future lor ya,


I think like there was once when I quarreled with a friend than another friend came to like telegram me ah but then instead of finding out what the situation was she asked me to like uh reflect on my own attitude instead


but like I feel that at that point point and time right this shouldn't be like it's not the nicest words to say cause like you don't even know what happened ya so I don't know I don't think it's very nice I could still remember up til today lor what about you


then describe the time when you were unable to help someone in need


uh mine is when I think my friend was like in debt but then it was quite a high amount and then I couldn't help


ya then I felt like there was nothing much I can do lah but then I tried to do what I can like maybe being a listening ear and then like looking for alternatives lah like talking to adults cause my friend didn't let the adults know


that ya she was in trouble, ya, then, do you have phobias and how do you overcome them


mine was my fear of dark and then also like height but then I think for the fear of dark is like okay already I think it's because of constant exposure


like when I was younger I would be so scared that I will cry that my siblings like play a prank on me and locked me in the dark room ya although I can just on the switch but my first reaction was, like fear, then as I grow older I just, I also don't know how like I overcome it maybe just like knowing that ghost don't exist then I'm I'm not so scared of it lah


ya then for my fear of height I I wouldn't say that I have overcome it but I'm still trying to like although I am scared of height but I still like activities like rock climbing, ya so I try to climb higher each time ya and like just try to do more of those activities lor


ya, still trying to overcome (hmm) sorry, I hate it when people don't reply to my text ya like, especially when they leave it on seen I think it's quite rude ya then that's like my pet peeve also


how about you


then recall a scene from a movie that made you too angry to watch


mine was from a show about bullying ya it's a chinese movie but then the scene that like came right into my mind when I like recall is like


the part where the girl was beaten up like by four to five guys from a gang that was quite bad like, then oh ya and then another scene was when she was bullied by the females uh classmates that they even cut her hair ya and stripped her uniform off from her ya that scene was like so bad and like sad


(hmm), you want to start first


mine would be maybe, the lack of knowledge about some part or like some people just cannot be bothered to care about


others who are doing worse off than them so I feel like if everybody has a little more empathy then they may provide more help to the ones that are not doing so well in society and in the world ya that's all


positive experiences, so what was your best birthday present and why


mine was a doll that was like sewed by my friend, sorry a bit lag okay ya mine was a doll that my friend made lah when I was in primary school I think that was quite sweet like she had to ask her mother how to use the needles and thread ya although it's like not say very pretty but I still keep it up till now like I think it's damn sweet


then like also handwritten cards, ya even up till today cause I feel like most of the things I want I can earn the money and then like get it myself then but then like, I don't know like handwritten cards are like very unique and it's always different ya


I guess uh my dog like when he was a puppy it was quite hard to like take care of him ah need to walk him then shower him which took up quite a lot of time during my JC days but then like


I don't know it turn out to be like he was a stress relief eh no he help to relieve my stress so and then he grow up to be quite cute like ya so quite a blessing in disguise I guess


, so what is your comfort food that you always rely on to cheer you up


(hmm)


it's actually bubble tea for me, like since secondary school I always like look forward to drinking bubble tea after school and also all the way actually even up till today like I still look forward to drinking bubble tea after a long day at work


ya it's like a motivation even to study like I look forward to getting that cup of bubble tea ya to ya study , so, who in your life do you look up to most and why


agree ah but then I would say both my parents cause like from what I heard from them they really had a like tough time during their younger days like they had to work at the young age of maybe thirteen and they didn't really complete their education up to secondary level


but then at the end of the day they still were able to provide me with like comfortable living lah so I think that's quite cool ya like they started from nothing then I wish I can be like them ya, as I grow older


, ya but hard in terms of like I guess the job aspect and financial aspect ya , it's like


I won't say we have it that easy but maybe easier by a little, ya but like in different form lah maybe academic stress but financial part, ya


so describe your perfect day


, for me maybe like, in the morning go kayak and then afterwards I can take a nap and hopefully the weather will be like a rainy day so I can take a super nice nap for maybe two to three hours then afterwards I may meet my friends and then have hotpot or Mookata for dinner


ya then at night maybe just netflix ah ya, just stress free day quite chill ya, with a nice weather, so


what was the happiest moment in your life, ya, or maybe a few happy moments ah like memorable ones


, anything else like any other moments that you remember


(hmm) happiest moment I think it's like milestones in life like, like what you said doing well on exam maybe not well but good enough lah to get where you want to go ya it's like you achieve your goals then that felt quite good and also I remember like on the day I got my driving license after like failing for a few times like I felt damn happy then I cried like


teared lah not say cry ya so I guess it's like if you fail a few times right and then you succeed afterwards you will feel even happier ya it's like more memorable or like for example when you do quite badly for a subject then at the end of the day you did decently like okay


you will feel quite happy also ya, so I guess the journey is important as well, like how you get there, ya, so what are you thankful for


(mmhmm)


the fact that our basic or like ya my basic living standards are met like I think in other parts of the world they still have to worry about sanitation and like the covid issue is like make it even worse lor but then for us in Singapore we are quite lucky


to be in the comforts of our home ya and then also, things like netflix like technology has also made our life like even better that staying at home is not that bad of a thing ya


, I guess what I can achieve at home and also connecting with friends like I feel like although I cannot meet meet them physically but then with applications like houseparty skype it actually brought me closer to some of the friends that I never really talk to sometimes


ya and then it's not so awkward to interact with them online with the games that the apps have, ya so I think it's not bad I think just chill lor this year and focus on yourself ya


so what do you hate eh what do you used to hate as a kid but now love as an adult, I start first then you can think ya okay so I used to hate broccolis a lot like the vegetable I use to think it's super hard and not very nice to eat then I couldn't understand why people around me all like broccolis ah but during this pandemic I eat more of my grandma's home cooked food


and then I realised actually broccolis are quite nice ya so now I like broccolis, what about you


then describe one your most memorable travel experiences


[orh] okay can I would say it's my first travel experience to Taiwan like I think cause it's my first time uh getting on a plane and then getting out of Singapore then just nice it's like during winter time kind of like


the temperature was quite low ya then it's like different from the usual like summer weather we get in Singapore so it was quite memorable and then I think I cause I have a fear of height and then I remember like the first time I got on the plane I was so scared when the


flight was going up ya so it's quite memorable what about you


so what makes you want to be alive like


, I guess the fact that the future is like unknown like it makes me curious and excited at the same time and then like I feel like there are a lot of places that we have yet to visit and people that we haven't met yet ya so I am quite excited


like maybe once I start earning more money I want to travel more like ya the fact that the world is so big makes me excited and want to be alive, ya, so


describe your favourite activity to unwind and relax


oh I guess KTV session with my friends, like that two three hours that you pay for you won't even think about other stuff I guess during the or like movie time also things that makes you distracted from life like the serious parts of life ya


, I would say is during my tertiary education like, I guess it's very different from secondary and then there's a lot of thing that I need to learn ya so


it led me to having more alone time to reflect and like discover myself like I used to be afraid of being alone that I even have to have my friend to accompany me to get food from the canteen in secondary school, ya a bit socially awkward like that ya but then I don't know but I guess during JC like


I had more time for myself then I slowly overcome that fear of being alone ya, how about you


ya I agree I guess like when you try new things then you will know that you are capable of achieving more when you step out of comfort zone ya I guess that's when growth happens lor, so describe a time when you were helped by someone in your time of need


for me similar like, I guess like I was quite emotional during some of my days in JC especially when I first got into JC then it was like a bit different and like I felt quite sad lah


during the start but then like it it was nice to have my secondary school friends and primary school friends constantly checking up on me like just chatting with me and like Jioing me out to eat and I think it's like quite nice ya I'm quite thankful for that


yup, ya that's all (ppl)


ya, she lagging


start, K, insurance


so like yes I have insurance I have life insurance from NTUC income uh it is a whole life policy which covers like terminal illness and then there's also the option to convert into annuity


how about you, ya just one


same, so do you have, uh no I don't have endowment plan cause like I think like I don't really uh I don't really plan to buy because it will expire after a while so I don't think like it's necessary lah


how about you


so do you get insurance when you buy a car, no okay, (mmhmm)


so have you ever like claimed insurance for like your travel


same I never really like buy any insurance


, like now as a student, uh for me like like whenever I have like semester breaks and all then I will go and pick up like part time jobs ah ya then can consider teaching tuition also if like


ya if there are people looking for tuition teachers lor how about you


savings uh not really ah cause like I spend a lot so I don't really manage my finance very well so like for me I think I focus more on like earning more so that I can spend more ya how about you


so what is one financial advice that you will give yourself, oh how do I spend my money, uh I spend


again hold on again


, but five years ago like, we schooling right like sec


, true, true, five years ago I think I will learn to plan my finance better and start saving from a young age so that like I can build up the habit of saving instead of like starting so late ya


would you should you DIY or get a financial advisor to plan your finances what are your thoughts


, for me I think I rather do it myself lah cause like I think I know myself the best and like I know how I want to spend my money and what I want to prioritize lah so I think I rather just listen to my own heart and spend on the things that I want


ya, but like like to to like hire a financial advisor


like I don't really want to spend money to hire a financial advisor also like to just go and seek their consultation I think I can just research and like plan on my own


so, so how do you spend your money which expenditure do you think is justified and what have you been spending much on


uh for me I think I spend a lot on transport cause like I think oh because like I always don't plan my time very well so in the end I'm forced to take uh grab


and like private transport instead of like public transport lah which results in like higher expenditure also I spend a lot on like entertainment and like uh ya entertainment and leisures stuff so like for example if there's concert than like


I'll go and like buy tickets and like spend spend a bomb lah I also spend a lot on like, clothings ya cause I think like I like to dress up so ya


but I think it's justified , ya but I think it's justifiable I think it's justifiable because like


transport cause like like, we because if I reach school on time then I'm able to like you know focus better and concentrate better instead of having to like rush to the location ya I'll be very flustered when I reach there so I think it's worth it lah


ya but I think like it takes discipline lor to like force yourself to wake up on time


uh I'm using the the POSB, ya, , uh I'm not very sure but I think it's like one of the most convenient banks then there are like a lot of ATMs around as compared like other banks ah like I don't know in my opinion I feel like like UOB very like very limited like I don't really see


a lot of UOB like withdrawal machines around so I think like for convenience sake then I think I'll choose a bank which is like more readily available how about you


so do you like go and check the interest rates like compare the interest rates for the different types of banks, ya


(mmhmm),


oh ya, I think another thing to consider about like the financial part will be like our study loan so like before entering uni like we have to like I went around to check the banks to like to consider their their study loans ah and like the interest rates


ya so for me I feel like ya the student loan from POSB like for me was the most suitable lor, ya


, ya


I also think that like it's good to like open up different accounts, in different banks ah, ya then also like you vary out so maybe like in case one bank like not very stable then you still have like the other bank to count on


honestly I feel like for savings part like I think you can set up a habit of like using percentage to like start saving instead of like having a fixed amount like using percentage to start your savings will be like a more practical and reliable method


ya,


so what strategies would you recommend if to someone who is planning to buy a big ticket item, uh for me err I think I would


I would ask them to consider their budget and their and their monthly income ya cause like if you were to buy a big ticket item you'll most probably buy it on like instalment basis


so like to make sure you are able to keep up with the instalment and like your loans I think you have to make sure that like you have a stable of income lah and then that your job is stable for the subsequent few years otherwise ya there might be like


a sudden a shortage of income which will result in like you like not being able to pay the instalment plan so I think ya to make sure that you have enough savings to last you for a while first and also to make sure that your subsequent income flow is stable in the long run also


ya, (mmhmm)


ya I think (mmhmm), ya


ya then another thing to take note is like usually these big ticket items are usually like shared items for example like a house and like a car so I think it is important to like ask your partners


uh opinion when buying these items cause like it is a it's a shared decision ah so like both parties should be willing to spend that amount of money ya willingly


, so what do you what do you look out for in an insurance agent if you were going to buy insurance and what question would you ask your insurance agent


for me I think uh if I were to look up for an insurance agent I'll I'll make sure the insurance is trustworthy lah uh preferably like recommended by like many of my friends I also want who I also want an insurance agent who has like closed many deals before lah so like


like he or she will know like what is necessary and what is like, most recommended for me, ya, so how do you


out of debt, okay so , like since that person is already in debt I think firstly is to make sure that the person has income coming in to slowly pay off his or her debt the focus of the income the bulk of the income should be used on savings lah


and the expenditure should be like minimised to should be maximised ya eh expenditure should be minimised ya , I think on the savings aspect


for savings aspect , that one is really up to like the person to control lah and like what he or she prioritise on so like those unnecessary one try to cut down as much as possible and then for the income portion I think it's important to like


be smart about how you want to earn your income lah I think investment is one way but you have to make sure that the risk is, as minimal as possible lah because you are already in debt so investment is one way to like earn as much income as possible but there's also risk involved so


it's important that that person calculates the the risk lah and then also need to make sure that there's a steady flow of income so maybe one portion will be spent on investment to earn, income fast while the other portion will be a steady flow of income to fall back on ya how about you


yes, ya


as in stop is press the red button right, like, press the red button ah, ya still running press the red button ah


negative experiences, so


, I think like the most recent loss, to me was also quite long ago lah when I was fifteen ya it was my great grandmother ya I wouldn't say I'm like very very close to her but like I do visit her like every festive season which is in chinese new year


ya and she was around ninety plus when she passed on ya so my emotions at that point of time were like everybody around me were like grieving and very sad


and I also felt sad lah cause like after all she's like somebody related to me and I think what made me uh what was the most impactful then was that it made really like appreciate life and like understand how vulnerable life is lah


so to take my life more seriously ya and it was a wake up call for me lah instead of like wasting my life away ya how about you


for me would be like not meeting my own expectations, so like , like the anxiety that I get lor like thinking that I would never be satisfied like with the results so it adds on like additional stress on me ya so maybe exams cause like I would hope to like get my satisfactory results so if I don't get it then


I'll be like really stressed ya how about you


biggest thing holding me back from my goal now, I think would be uncertainty because like for me like if I really really want to achieve my dreams and goals for me now I I'll would have to give up a lot of things and


I think the uncertainty whether like I would even make it, to achieve my dreams is something that is holding me back cause like I'm not ready to give up what I have now for like, so much uncertainty ya


how about you


so there's a saying that goes the child who is not embraced by the village will burn it down to feel the warmth has there been a time in your life where you have came closest to starting that fire discuss


can hear me, can you hear me, okay okay


you say finish already, okay for me uh I think it's very childish but like to me I think cause when uh I used to be the youngest child but then like when I was five then my sister was born so like I became a middle child


which was something that I was not used to lah and then I think like my mindset when I was five was very childish ya like I felt neglected and like I felt like I was no longer the most like like loved kid in the family so maybe that was like once when I felt like starting a fire so like


I constantly tried getting my parents attention ya ya but I think like as I grow up then I grew out of it lor ya


for me the saddest thing that I ever witnessed was like , when I was at an old folks home and then there was this elderly man


who was like on life support and like ya in a coma ya and then his wife was like also really old there by his side trying to talk to him lah even though he was unresponsive ya and then


as I got to know like the wife ya she told me like she's uh she make it a point to like visit him uh every single day lah ya cause like , ya she really treasure the marriage and like each other's companionship ya and then I think


I think like what made me sad was that like one were to leave the other earlier ya and then the wife will have to be left alone so ya that scene really touched me a lot lah ya how about you


for me would be, not meeting up to my own expectations and like also like the the expectations of people around me cause I feel like I gain my validation mostly from uh the people around me


and also whether I'm satisfied with myself so like not being able to meet that expectations uh worries me a lot and like ah I'll constantly feel like I'm not good enough ah ya how about you


uh, what are some of the hurtful words someone said to you that you wish to forget


for me would be like saying that like I would never be like good enough no matter how hard I try lah cause like for me I think it was something that I value a lot and I hold closely to my life like it was something that I really wanted to achieve in life and like


being told that like I will be never be able to achieve it no matter how hard I try really like put me down a lot lah and it was also by like someone whom I really relied a lot on so I think the blow was even harder ya


, I think, would be when for example during during my national exam so like during A-levels period I remember like my friends around me being really stressed out also ya and like many people were breaking down


I've, I felt the need to like be of support to them too but I felt like I was helpless on my own too ya I had like too much on my mind and too much to keep up with on my own so I think at that point of time I prioritise


making sure that I was fine on my own first before like helping others cause ya I think I should be okay on my own first before offering to help others ya how about you


so, ya I have phobias so like , I used to be afraid of dogs I mean up till today I'm still afraid of big dogs ya and how I overcome them I think like my phobia was caused because like


it was like instilled in me at a very young age so I think having like like technical knowledge about phobias help me a lot so like when I took a psych mod in university I understood like how phobias was formed and everything


so like I sort of like get the back end information about like how the phobia is formed and how I can prevent it so like I think, from like overcoming my fears uh I started off with like smaller dogs and like dogs that my dogs that belong to my friends uh so that I know that like they can't attack me or like anything ya and then slowly I I'm more comfortable with them


ya how are you how about you


so what frustrates you, what frustrates you, oh


for me would be insensitive people people who think before people who don't think before they talk so like I think I care a lot about the the the feelings of people around me so like uh I prioritise their feelings


over how I feel so like it frustrates me when like just people just like speak freely and just say hurtful things to the people around them ya


what I can think of now would not be a very angry scene but like it was a a sad a sad scene lah which make me angry at the same time so like I remember that there was this life support that , okay so like there was a family accident a family car crash ya and then the main character was a father


and also a son so like he had to choose between giving the life support to his mother who is like eighty plus years old or like his daughter ya and then he was in a very difficult like, he was making a very difficult decision ya then initially he the doctor gave it to the to the mother lah but then the mother like automatically give up her life support to to the the daughter ya


how about you


so what is an issue that you feel upset over because you feel the world needs to do more about it, I think like there are many of such like global issues lah which like needs to be known I think one of the the most recent one will be like the


the the issue on like , racism racism or like difference in like genders, ya gender inequality or like, income inequality ya I think


I think such issues needs to be brought up more often ya but there's only so much that I can do as like this, as as a person lah I think it takes like a very long time and a lot of like


collaboration and hard work to eventually see such issues being, better and not even resolved lah cause like I think such issues like starts from like a very long time ago so like it will take a very long time to like solve it ya


ya positive experiences, for me one of the best birthday present I got was like a handmade gift by my friends


uh to me like I feel like handmade gifts are like the most heartwarming and like the best kind of gift that I can receive lah because to be honest I feel like the effort put in, is like invaluable and like nothing that money can buy so ya I really enjoy like handmade gifts and card how about you


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


okay, for me maybe not getting into, uh a course of my choice so like uh I didn't do very well for my A-levels but and then like I went to a course which like wasn't my top choice lah and it wasn't something that I I always planned to do but like


I think after going through it and like ya like starting to like learn more about the course I start to like found find find interest lah in the course and can see myself doing it like for a long time


ya, for me like when I need comfort uh I'll indulge in something like super unhealthy lah like like potato chips ice cream ya cause like I feel like when I seek comfort I want to like just go all out and eat things that are like super unhealthy and


ya so cause like I don't have to worry about like being healthy or like any other things ya I can just focus on like the the unhealthy food and like the joy that it brings me so how about you


think very cliche but like my mother cause cause like I think as a woman myself it's not easy to manage like both your career and like the career aspect and like family at the same and marriage at the same time so like I think there's like a lot of things to juggle and


, uh I think ya personally if like I were to do it myself I don't think I'll be able to do it as well as her ya I think everybody is like a parent a mother and like a wife


for like I mean like they they both like never have I mean she never had experience lah before I mean nobody have experience before, so like I think like to go through it and like be that good at it I think it's something that I really respect her ah and appreciate her a lot about ya how about you


ya I think like the older generation ya I think like their generation had it like harder lor like they had to like go through much more than us ya, physical hardship


ya, okay lah maybe I also will be stress


for me what I value most is really just being carefree and like ya just a day of not having to complete anything or like have no deadlines ya just generally a day where I can just


focus on enjoying the moment ya like focus on my entertainment and, and and and also hopefully like catch up on my sleep lah ya cause I really need to sleep a lot, how about you


so, happiest moment in my life, oh, this one is quite difficult cause like I don't think


ya I don't like there are like there's like this happiest moment lah but I think like if you were to talk about happy then, maybe like very cliche but I think when I was young what made me happy was my like parents affirmation so I remember like when I did well for like my PSLE then like my parents praised me so like I thought I felt really good then


ya other than that , uh of course like the general and recents one will be like recent one will be like having good time with friends


or like ya doing well, in the things that I like to do and uh making the people around me happy, ya but I think I brought up like the the parents example because like I feel like as we grow up like parents affirmation gets less and less cause like our parents trust us so like we don't really get their affirmation but ya I think it's something that I value lor how about you


, ya


uh to be honest like what I'm very thankful for now is like what I can think of right now is like being able to be in the comfort of my home lah like despite the pandemic outside ya I think I'm very blessed to be like able to be so bored at home


ya even though like uh I can't go out and enjoy like my sem break but I think like being able to like just stay at home have food and like uh like enjoying my entertainment I think it's something that I'm already very thankful for ya how about you


so despite the ongoing global uncertainty what is one thing that you look forward to


(hmm)


ya, I think like this this pandemic has like made many of us uh like stay at home and like like spend time with our family members a lot and it is also like a long break lah for many of us cause like


uh is a time where we just like stay at home and have like all the me time that we want instead of like our usual like busy schedules in the past also like this pandemic has also like made us


really rely on technology a lot so like most of us are like working or schooling from home which also like which also like brings up like a new a new normal lah because like if you are able to do it for so long during this pandemic it might become a new normal in the future so


I think this has brought up like many advances in technology lah which might be quite useful for the future, ya


for me I think it it will also be like eating healthy lor cause like as a kid I don't see a need to eat healthy cause like I feel like I'm still young and I can indulge and enjoy as much as I want but now I like I understand the importance the importance of eating healthy lah it's like for my own good and like for my own sake


so like I find joy in eating healthy now cause I know that like I'll benefit in the future ya so I don't hate it ya


mine would be okay you start first


for me would be like my trip to Korea ya like two years ago cause like uh it was when I finished like a major national exam so like that trip there was like really a huge break for me lah ya before I start


a new phase, of schooling life ya and then I really appreciated that break cause I think like schooling I mean I've I've been very stressed for the national exam for very long so that that trip was truly a break for me and I really enjoyed like


the new experiences that I get there especially since it was winter season there so I I think like I like in Singapore it's not possible to experience winter lah so it was something new for me ya and I also enjoyed the company there a lot


what makes me want to be alive, I think like , nothing in particular but as in being alive to me is