oh ya ya and they serve the dishes for the kitchen chef during during recess time so I feel like these habits are important to maintain a good personal hygiene and discipline from young age so from that trip itself I gained so much respect for both the students and the teachers


ya how about you I finished mine how about you,


that's right


, I think that's why you grow


ya okay yup, uh, I guess I would say


uh ya you go first


okay I maybe I say a topic that I answer a topic that is somewhat similar uh the biggest reward I feel like I've ever received is, feeling good brighten up someone's day and make a world make the world a better place even if it's just like zero point zero zero zero zero zero one per cent over any physical or financial reward so few years ago I found


an iPhone five S along the street in Melbourne, when, I was walking home late at night after studying so I answered a the phone call and told the caller that the owner of the phone dropped her phone, and then the caller who happened to be the phone owner's husband told me to return this phone to the nearby hotel


uh which his wife was staying so he sent me an email to express his gratitude and wanted me to pass pass wanted to pass me a gift from Okinawa 'cause he's actually a japanese and his wife was with, was travelling with his daughter


because his daughter was settling down uh to study there, and then but then although I didn't accept his gift 'cause I think is quite a hassle uh for him I think this incident is like killing two birds with one stone so because not only I feel like I feel good for the rest of the week I knew that I prevented


their holiday from being ruined and the possibility 'cause like when you know you lose your phone there's many many photos data that you kept, and your so once you lose it it'll be gone so I've, prevented them from, like losing all the contact cause someone might take it and just sell it away or like just use it on themselves


, I think for me uh financial advice that I will give myself five years ago maybe is to be more daring and take up more let's say finance related kind of self-help books cause I always thought that you know


uh when people talk about financial stuff I always think about investment then I always look back at how the lehman brothers you know like the past failures that the investment ah all that so I was very uh skeptical into doing investing or like uh cause I want to be financially


independent mah although like let's say five years ago I was still very young but I always wanted to you know, be financially independent even at a young age at twenty , or even younger lah so I, I felt that I should be more daring cause I'm I feel like I'm always very fearful of failing so you know investment comes with a lot of risk so I wish that uh you know I can consult someone or I wish that I can met uh


a trustworthy person to teach me about investment or like how to control my finances or how to plan ahead so that you know I can work towards my goal which is to be financially independent lah in the long run so that you know I can provide for my family my own family and also like my immediate family which is like my parents


cause uh, I mean retirement is a real issue and I wish that I can provide for them also I don't want to be like in the sandwich generation where I've provide for my parents and provide for my own in uh own family I I want to be you know financially independent lah ya so that's the advice and then


so how I managed my cash flow uh usually I have this app okay is called money so I usually I'm very stingy so I would like record every details that I spend on


uh let's say even like when I take the bus cost one one one twenty I will just record it because uh I have a concession so I usually record small amount like maybe let's say I go to McDonald I buy like a vanilla cone I would also do that it's like petty cash but not petty cash when you think about it ah


you one month you spend so much petty cash ah it it could accumulates and then it can add up to hundred two hundred so ya so I'm very like particular about it I'll like uh jot down my lunch dinner my expenses and all that, ya so that's how I managed my cash flow then by then I will look back all the months then I see okay so this is my monthly budget so that's how I will allocate some I will try my best to do the fifty fifty although I think it's not the best


way like fifty per cent spending and fifty per cent savings , I think I could do better but you know life you always want to choose the better way right like go out spend on your shopping stuff and all that so I'm trying to be more prudent in doing my savings lah uh ya so how about you how do you manage your cash flow


, but you remember


ya


, , ya ya, that's understandable I mean like uh since young like when I


was, primary school I think my mum already cultivated a habit of teaching me how to save so, uh okay let me think uh I think I, take two dollar I think primary school I I forgot how much already so he will just she will say okay uh let's say I give two dollar so everyday you uh save fifty cents and then slowly slowly you accumulate then we will go open up the POSB kids savings account so back then while


if you have a bank account or like a bank book for a kid you know to go to a bank it makes you feel like , I'm a adult I'm adulting like it feels very uh I think it's a kind of achievement so I like religiously you know save up that fifty cents then for then on my mum would help me to uh deposit into the bank lah


so and then in secondary school uh I think I met a very healthy bunch of friends so they will also do this kind of like save every day uh I think we had a goal to save two dollars every day for a month because we wanted to do our own prom, so uh because the school was charging us at a heavy price like


a fifty dollars for a prom night and then we will like no we we're not going to do that not going to let the secondary school charge us a fifty dollars on a sec five student eh so we like okay no we just want to save up on our own then we going to you know create and organise our own prom party which requires money lah


so then on the two dollars we accumulate and then it make me feel like saving is very important so when I was young that's how my habit of saving started, I agree with you that savings is never easy you know even when I'm young primary school I can choose to spend it on mama shop and now obviously I can spend on bigger ticket right cause we are older mah


so I think the the important thing is when you look at your excel sheet or for me when I look at my app then I !wah!, my expenses surged again then you feel the pain every time you just Di Di Di like you just spend ah you don't feel the pain the immediate pain only when you receive the statement or when you see your negative


you know cash outflow then you like okay maybe I need to do something about it so maybe I feel like I don't know how effective is the Excel for you cause like for me I don't turn on my laptop every day or alternate uh like not say every day so like when I have my phone I do the


the recording straight away I don't delay cause I know if I delay it I might hesitate whether I should you know record cause you know it's money ya so, I what I do is I will check on my app [loh] then I see then I'll just be more disciplined then maybe I will just push away some of the you know friends' dinner


or like I'll I'll suggest okay let's eat at a more affordable affordable place or maybe I can get some food voucher that kind of thing you know just try my every way to you know uh save as much as I can to ensure that I can meet my savings goal what about you


maybe I I think is also because of family background


but their interest rate drop their interest rate drop


yes COVID yes, yes


[orh]


or how do you improve your income level like what you say just now,


uh for me right now 'cause I'm still a student then I earn my extra income through like what you say private tutoring


so is is a quite a good sideline lah I would say, uh, so I get that uh and also do some part-time events job so events job is also very flexible, uh especially for student it's not like a full full on commitment you can go like few days few hours uh so is not fixed lah which is very uh comfortable for a student to take on so so this how I earn my extra income lah but of


cause I also want to look into like doing investment that kind of thing so like uh I think those like crypto or like forex uh trading uh but I'm still learning so everything is still like a learning journey for me


uh still trying to figure out how to do investment and all that which is I think very important lah for people our age now because a lot of people are already like investing , then and they say like if you start investing when you are younger which is better lah like


you can receive the returns earlier so that you know you can benefit you especially when you received the returns is as uh particularly when you are building a family I think right, so you say you your hobby is uh ballet right so why don't you give you know that kind of ballet lessons to earn extra income out of your full time job


oh so it is very like uh how to say it must be very professionally certified before you can give


oh okay okay, on what sorry oh gifts


, actually you mean spending a lot on food okay I mean during CB I've been spending a lot on


groceries because like I'm be helping my family to purchase uh to to do the weekly, market run lah so I'm spending I've been spending quite a lot on groceries during CB but uh not uh but during normal period I've been spending more on food


probably I I'm I'm expecting a surge this month because you know after phase two we can meet our friends so I'm already expecting to spend a lot on food lah especially when dining out lah so how I justify it uh


I guess again I'll do the you know suggest like more affordable places or like if I I will limit the number of let's say dining out with my friends per week so that you know at least I can eat at home some days and at uh some days I will eat out


so at least I won't feel like I'm spending too much or like I'm refraining myself from going out just because I don't want to spend I mean is it has to be a healthy balance you know you can't always be saving saving saving abandon your social life is like going down straight away


so I feel like a a good balance will be healthy lah for you know your mental health or even for yourself and your for your friends, so expenditure wise ya this is how I justify for groceries like uh during CB I'll you know lookout for like promo


which is usually uh publicised on newspapers or like uh I think some days they have some special promotion on certain items lah so I'll look out for that and, ya that's for me how about you


your expenditure list is super account, thing no is okay I mean to each of your own lah maybe it works for you but when I hear you saying that it sound super like ya the auditor like that


ya


yes yes I agree


okay lah overall I think ours expenditure is justified and I feel that the financial advices that we give to ourselves are really practical and I feel that we I wish that, we we we will have done that lah last five years ago so I think we are doing quite well on savings and all that also and I wish that you know we can do even better lah after COVID or like saving up your contingency emergency plan or whatever uh


uh, and ya I think we are doing pretty well, so think uh is there anything you wish to add on to close up this topic


ya it's never too late I mean today is better than tomorrow


part three negative experiences


, uh


actually I will agree lah like that would also frustrate me especially like when you just, it just it feels like you are acting like a typical singaporean like you just complain and complain but you do nothing about it so I understand uh it also frustrates me but


I think deep down what frustrate me is like those prove privileged people not say privilege people but people who feel privileged and entitled, and they feel like they can act the way they want because they have certain status or certain background or like ya so because I was working at this place and I had seen a lot of that kind of privileged people you know


like just doing whatever they want saying whatever they want because of their status or their background which I feel that is a major turnoff, and I felt that you know I wish that their status and background will be taken away one day so that they will be they will see the world better and they will treat people


more you know empathetic or the way that people should be treated you see all the you know boom people calling people boomer there's a reason why millennials or the internet people label them as boomer you know you act the way you want because you have an age and all that and


the thing about this, it is a very touchy topic if I want to talk about it like, I feel like elderly also play the you know age card because I'm old so you should do this and that so again that boils down to like entitled and privilege lah I understand you are old but you know you shouldn't push your way in for that's for me lah what frustrate me the most


, uh ah maybe we can share like what is our greatest fear maybe I share first, okay I mean if you if you find that is too uh too too deep of a subject you can tell me another one ya I'll I'll go with my one first okay like my greatest fear


ya my greatest fear is probably like my parents passing away oh god it just went deep, ya so like having my parents you know passing away is like a very big thing to me like maybe when I think about it then I also want to tear or like I feel like my heart break whenever I see funeral like okay this is like


someone's parents that passed by uh pass away then I'll also feel like the pain lah because I'm a very emotional person like if you put me in a movie theater or like when I watch show about sad scene like I would tear because I felt


uh, hard for it lah then for it is ya uh losing my parents and also probably what else maybe seeing my close ones getting injured lor ya cause


you never want somethings like that to happen to them lah, !aiya! everyone is


actually another another fear would also for me I would also be may be like being, left out in a group of maybe because like when I was in primary school or secondary school I have always encountered that kind of incidents like you know friends being uh left me out uh


I'm not sure maybe some may are intentionally and some are unintentionally lah so I, like what you say like you because of this fear you started to be cold to them and then I feel like I also I also had that kind of, uh my guess experience like I will also build my wall up against them after that like okay if they do that to me then okay lor so be it then I will just be strong and you know uh move on with my life lah like like what you say be cold to them so I I would agree


on, that


I have a lot of phobias uh, I have, the phobia or you know the okay this is uh not very serious phobia like you know trypophobia I think is afraid of holes


ya it is damn disgusting ya !wah! I think I will have goosebumps immediate okay the thought of it will like make me have goosebumps ya so, I don't want to overcome it cause I see no point overcoming it like what's the point of it I don't need to do that I don't need to face holes


you know in my career or in my marriage or you, in my so I don't see I need to overcome it but maybe in the past I had a phobia of, failing so when I was pretty young back then lah but I went through like something then


I realised that you know failing is not so horrible failing is not that bad as compared to what what I think about it in my head, so how to overcome is obviously you know failing again and again to me is like I I realised I I need to take it more easy lah like


you know let's say example if I fail my paper uh I will not maybe in the past I will cry but now I will just that okay like why did I fail maybe is it because uh I didn't put in enough effort or what and then


uh, then I would like you know do better next time so like failing is like a slap to you but that slap is to wake you up is not for you to you know not get up again so ya that's how to overcome it failing again lor just fail lor


what about you, oh okay


!wah!


, difficult , , oh ya I think I remember


but you still went ahead


, okay,


do you do you think is much better do you think is much better now because you are back in singapore,


, okay for for me I don't have I don't have such a, long series of unfortunate events which I pray that I'll not, like encounter it what made me angry


maybe uh, maybe to make me angry is like like what I said lah just now like number one like what frustrates me the same thing I


oh maybe also like online like how people can be so ruthless and like just like just smash someone like this to the comment section so sometimes like you know


okay the thing about this is like you know the black lives matter and all that so a lot of people was talking about, uh a lot of things and then the comments were really really toxic so I always hope I always feel a bit not I'll feel very angry lah like why would someone talk about like comment such a nasty thing when you know this kind of thing it can be avoided


that's because you are behind a computer doesn't give you the right to you know just slam someone like this so , what disgusts me obviously it's like how people take anonymous or anonymity to this kind of extent lah to hurt people, you know when we could have take it to you know like to praise people to to help people to to make someone like what you say like make their day uh make their day a better one but like so many people just choose to use it another way [loh] like that's why people say the internet is a double edged sword


you know you can either build someone or you can totally destroy and people can like commit suicide so many things, ya like and people are digging out so many old things that those influencers did like let's say like jeffrey epstein all that lah like they always talk about race and all that but the thing is


I feel like, people like to nitpick a lot of things, and I hate it when they talk about the past you know now is now the past doesn't define you obviously I just such a cliche phrase but I feel so, much about that phrase that the past is because you are at younger you are immature you have not reached a certain level yet that's why you said that kind of thing but now you are who you are obviously you will say better things you will say smarter things compared to the past so I don't understand why people just


keep taking whatever was happening in the past to to define who you are now or to like to to to bring you down because of what you did in the, past what about you


oh so she took it another way is it


, ya ya


!huh! as a new part-timer, okay


did you complain about you, , okay


no point explaining over yourself


, so speaking about it now it also make you feel angry is it, , , ,


I think maybe we can talk of more relevant thing like in a post COVID uh like what, the worries and anxieties that I might face because like I'm graduating , next year december hopefully everything go well so although is still quite a long way but not really long but I'm still you know face a lot of anxiety and worries when I graduate and because like right now they are offering traineeships


to recent graduates and their pay is obviously is not as favourable lah as compared to pre-COVID people, so when I graduate I might be fighting a permanent position with them because traineeship is not a permanent position it's just like uh maybe I'm not sure how long but it's not a permanent lah for sure


so I'm afraid about like the employment uh about the quality of it also and, and, but I'm I'm hopeful lah I'm hopeful like in this COVID period I believe a lot of people will go and I believe I also will want to step up and learn more compared to like what school has prepared us in a curriculum and


I'm very hopeful like because I'm in a good uni I'm sure my professors would like definitely prepared things for us to you know embrace this COVID situation and also tackle the employment lah what about you


part two positive experiences, today I want to share with you what makes me alive so to be honest I think I'm a very


uh I will say I'm uh I like to grow, I'll, I I always like to you know explore new experiences and all that and I feel alive when I uh learn something new uh, uh learn new skills or meet new people so anything new makes me feel alive although it makes me feel uncomfortable but I really like the positive feeling uh when I learn something new and I can you know teach other people about it


or I can share about uh this thing that I learnt ya so this is what makes me feel alive what about you


(mmhmm) (mmhmm)


oh what's that,


okay


I think I can agree with you on the empathetic listening cause like during CB it was a difficult period for a lot of people especially when they have like family members the big family members and, their home you know uh for me uh I have a moderate size lah in singapore but uh being at home constantly with my family members uh


it makes me very stressed out because you know uh this is first time we are going to be cooped up in the house for more than, the chinese new year period you know usually we are very available during chinese new year chinese new year but now is like one month and then they extended to two months so I felt like I try


to be more easy going or like like what you say lah more empathetic lah at home, because I feel like maybe this period is very stressful for my parents so you know I was like be more understanding [loh] and not uh talk back to them and all that so it's not something that I'm secretly proud of it's just that I feel this is a skill that I have


or let's say ability lah that I have you know learnt throughout this uh recent month and I feel that I I wish that through this CB uh I have I have gone closer with my family some level not all levels but some level


ya and then and also to my friends as well you know you don't usually FaceTime them or you don't usually text them like !hey! and like check up on, them and all that but because of this CB you you have no one not say no one but you know you don't have anyone visually physically in front of you so you want to you know reach out to them online so I felt that it was very nice to you know reunite with my friends through online and


, and I I don't know why only when COVID hit us then we do that like this kind of like this kind of skill like friendship skill uh or what you want to call it uh it should be in us long ago, but surprisingly COVID have to hit us to make us realise


that you know uh you know uh talking to our friends is very important or building on friendship is very important ya, so one of my moving on to the next topic one of my favourite activity to unwind and relax okay it's very lame but to me is like uh looking through social media


and also like act actually most of it is online memes or like animal video uh last time it was like ASMR but now I move on from that so ya so I always like looking through memes cause I feel like when I go onto Facebook although is like


it somehow as like a waste of time cause you know you are not , ya not like how to say ya not learning anything but it makes me feel happy lah like I I feel I feel amused by the memes or like the funny things that people around the world are


doing and also like it is like it is a different realm to me so like when I enter into social media , I felt relax I felt happy I I feel like okay this is all I have to focus for now so I usually do that at night or like in midday when I feel too stressed out from my studies or like my regular life lah like I just want to wind down so this is how I online relax and also


exercising alone , last time when I exercise I usually ask my friends because you know , one two is better than one right so you feel more motivated with your friends so like, uh, which which is why sometimes we would ask each other to exercise together which is uh very very


lovely time that I love but sometimes I feel like I need to have that, me time so I like to run alone ya with my music on so like I can unwind or like maybe like judge the people running beside me so, it makes me very happy like eh you run so slow


, no lah just kidding you know eh but you know the satisfaction that you get when you overrun them just, the you know the the the , the, ya the spike that I get lah when I was running alone lah but when I'm running with my friends of course I don't do that lah


I'm I'm just like being in a moment and all that ya ya the thing is exercising alone running, outside makes me live in the moment lor like what I say like I feel like okay my end goal is okay to run to there or like let's see how how far I can push myself today it's like there's never a


specific and and like structured angle like okay today I must hit ten K or what and I see how much I can push myself ya that's the me time that I appreciate ya, correct correct


cause when you run with friends you will feel pressured like okay am I too fast for them or am I too slow for them so like this is the thoughts that like will running in my head lah 'cause I don't want to be burden to them or like uh like push back their running speed or whatever so when I run alone then I feel like


okay I'm in control I can do whatever I want ya what about you what is your favourite activity to online , you have been playing that since you were young primary school is it


the the the game the on the computer one you don't play anymore oh okay


ya an introvert


I don't think you are introvert but I feel like maybe an ambivert like me ya like it's like in the middle you know we can, I choose to engage in conversations or like be you know, more extrovert whenever we want but we also can be introvert when we want so I think you are not introvert but I feel like I agree lah the me time is very important it's very draining ya


uh maybe you want to share first I think I might take up a long time ,


probably ya maybe that that approach was a bit no it's okay, so easy


sound like sound like the children in, japan


for mine I spend a six months away from singapore as, like a, uh as I went for a internship in hong kong so I was living alone with my schoolmate uh it was the first time I left singapore for so long it also the first time I left my parents in such a long period and not coming back to singapore so what left me in awe is


how I managed to survive and also be independent because it's not easy to be in hong okay I know many people think that hong kong is very similar to singapore yes, I agree to a certain extent the thing is the language barrier is very difficult because they were speaking in cantonese okay I came from a Hokkien dialect family so I had zero


knowledge about what they are speaking about so on the first day I was already very overwhelmed you know the the the aunty uncle on the streets they I was asking for directions but I couldn't understand a thing because, english is not even in their dictionary they will only speaking cantonese and if I spoke if I speak in mandarin in they call it #pu tong hua# if I speak in mandarin they will think that I'm from mainland china and you know the history about hong kong and china I will not go into it


and so I had no choice but I have to speak in english to you know make declare that I'm from other country other than mainland china, so I was struggling between uh the language barrier and also adjusting my work life my intern life so


maybe because I cannot speak cantonese so I felt very outcasted not maybe not say outcasted but just left out in my circle of colleagues, because they were frequently of course their mother tongue is cantonese so I don't blame them for speaking that in front of me or maybe I wish that they will be more you know culturally more sensitive or socially more sensitive to include me in the conversation by speaking chinese


uh and because uh I worked in a hotel so the people there they are more fluent in uh chinese and also english so I wish that you know they would be more, culturally sensitive and included me but that's that , then so I was very amazed that how I would you know survive alone literally alone


overseas and you know managing my emotions and how I try my very best to you know uh assimilate into their environment and also their society, because like what I say hong kong people can be very in their own in group


which I think singaporeans also lah you know and , I try to not only you know hang out with my fellow interns from singapore but I will make it an effort to say okay eh how about we hang out this weekend or like during my off day with my colleagues


you know uh and we went on you know several uh outing per week and so I found that sometimes I can be very thick skinned you know I can do a lot of things that, I will not necessarily do in singapore because in singapore I am so sheltered what I have so many friends that I grew up with so I don't need all this


uh step out of the box kind of thing but when in hong kong I even went on, this outing with a girl is there's this app called Couchsurfing so you go on on that ya you know that right so I just match with a girl cause I wanted to go hiking in hong kong cause I heard so much about hiking from my colleagues but I don't want to hang out with them yet


so I hang out I went online and I see anyone who is you know uh interested in going hiking


I do not, I think I definitely won't do in singapore lah so ya like it it uh, it made me step out of my comfort really like the comfort comfort comfort zone so, hong kong will always be like ya I think so too so hong kong will always be like a part of me and like I always look back fondly lah like oh although at a lot of things have went I went through but I'm still so glad and happy that you know I encountered that and overcame all the


rubbish that you know hong kong threw at me ya, how about you want to share thing about uh a quick one like describe the moment when you felt the luckiest


or you want me to go first, okay so a quick one I felt when luckiest when maybe when I felt the love from others like especially from my my partner my family and my friends the feeling of being accepted and


you know being loved on or like a simple gesture like you know giving attention on, like, acts of service ya makes me feel like I'm the luckiest and when I don't compared to others that's the thing the thing about it is !wah! if you don't compare to others you feel like the luckiest you are the you know and you're you're like the ya exactly what about you


, ha


!wow! ya ya


okay (ppb)


you're supposed to show time's up bro, okay so would you like to talk about uh will you approach a asian or when it comes to err insurance you will DIY yourself


okay but then do you have like a insurance agent that do everything for you or like you will like MRT they approach you then you will you will go and entertain them


but you are quite open you are quite open to listening to them ah


ah okay oh but from my on my end I usually have I I already have a insurance agent that do all my insurance policies so usually on MRT or like those who approach me I will usually like just turn away lah, because usually those that have uh that at the MRT station one right they usually work for certain company one like for example great eastern or like a certain like AIA


so their policies is like follow company one mah whereas my ya my insurance agents is uh independent one so she can like buy all across all companies like for example life insurance they can choose like out of all the company which one is the best one et cetera et cetera lah


, uh so for insurance now I currently uh I talk about those policies that I have lah uh life insurance I never go for term so life insurance at the end of the I think you when you retire you got some cash payout


then if let's say if I die my family get money lah okay and then uh hospital hospital I got the rider also uh besides the medisave the government one lah and then uh personal accident and then hospitalisation also ya that's about it I think uh early early critical also ya


, ya ya ya it's a lot more expensive, correct correct


ya but for critical your one is early crit or just CI only, both hor , , correct correct, (mmhmm),


, okay, , don't have leh I don't have endowment plan leh you have meh


not at the moment I guess ya,


how about do you get insurance when you usually travel overseas


, and usually travel insurance not expensive also lah usually thirty forty dollars


uh I think life insurance is quite essential for us because uh you know as life insurance as the older you get it's it gets more expensive mah so the early you the earlier you start, no you don't have to pay as much per month as compared to when you are fifty years old when a risk is higher the insurance agent uh the insurance company need to have that that kind of uh


back up mah so that's why the the premium is higher so I think uh as long as you start working you got the ability to pay a few hundred dollars a month for insurance you should start having life insurance already lah at our age, ya then follow then followed by uh I I guess a liquid a liquid also according to age one if I'm not wrong lah


is it ya ya ya ya ya, ya correct so these two I think quite essential then followed by the hospitalisation one because of hospital bills you cannot afford man, yeah


, ah,


I think it's a balance ya it's a balance between how much you can pay and how much you want to get covered lah I would say ya so during that time your army pay how much only it's like you can't if you fork out that few hundred dollars is like you have nothings to spare already ah


, but you did you I didn't hear you uh getting the personal accident one eh,


still okay ah , ya ya ya


insurance I I think about maybe twenty percent, ten ten to twenty percent I think not more [bah] cause the rest I would put to investment which my investment and my insurance is not tied together lah so is separated so I would say insurance about ten twenty percent then uh another twenty percent for twenty to thirty percent is investment


ya


, (mmhmm)


so what do you think you can do to earn extra income or to improve your income level, besides your besides your day full-time job,


ah okay


, correct correct, for me ah I think I have been trying to earn extra income by, I always exchange money uh time for money lah so doing like other part-time job besides my full-time job but I realise it's not it's not how to say it's not productive in the long run because I'm jeopardising jeopardising my uh my how to say my time for my actual full-time job you see


so uh eventually I thought that that was like not the not the best options so now I'm looking more towards like doing uh investment where where I I just put the money there lah so that one is like a passive income [loh] for the long run ya so like is is a long term investment ah


correct correct ya ya I heard ya ya


, how about saving how how do you have the habit of saving or how you ensure yourself that you you will not spend like your your either the money you have for savings


okay let's first talk about how how how much percentage of your of your income that you park to savings okay okay how do you ensure yourself that you don't touch the thirty percent,


, so what do you put the you put the money into another bank account or oh you do that,


oh you are ya you wish , okay okay so you put in another account lah that's what you do lah ah I see I see, for my case I think I save about forty to fifty percent of my uh ya of my of my ya so I I I think I'm quite self discipline lah the money is in the same is uh is in the same account I just make sure I have that amount accumulated every month after month ah


ya, but of course sometimes you overspend then you you have to put it back uh from the from the next month [loh], no choice lah the marketing nowadays on the market too good already you know the Shopee ah Lazada ah all these ya no choice lah ya


right you calm down yourself then sometimes you have to cut yourself some slack lah


okay so usually how you spend your money so which part like maybe let's talk about what category that you are willing to spend your money on, , food ah


, how about your how about your Gundam, oh


(hmm), I'm I'm


it's okay lah, everybody have their own guilty pleasure lah is is it ya, that's how you say it what ya


for my case I guess there will be always some things that I really don't mind spending on like for example drinking good coffee going into cafes spending uh like the you know it's the experience that you'll get lah


it's not really uh too much on the the the money and cents then uh another thing would be I guess shopping that girls ah standard one ah, so uh usually those are the things that I usually don't mind spending uh on lah,


I, I think I think usually what catches me the most is not the product itself but more like the you know the story behind uh the product those are the things that I'm very willing to spend money on like for example crafted stuff so I have a friend who do who are very into craft right he can


and he can turn a piece of metal strip into a ring that kind of thing ya so he he know how to do all that he have all the tools I don't mind spending one hundred dollar on a ring that he made, or like sixty dollars for a crafted leather pouch that he make so those are the things are like the handmade stuff are things that I'm I'm very willing to spend money on lah


correct ya, and then there's like the identity also so not only just like uh the amount of money so like for example coffee I would rather spend six dollars on a uh on a cafe like a self uh self-made cafe rather than starbucks you know ya


ya correct , , ya it's local mah


do you because I have no experience in buying a car or house I don't have advice for them ah, , I think do it wisely [loh] it~uh read up more lor like, you have CPF what you can use to buy with your CPF and stuff how about you


like a car ya then I think it's very common ya , ,


, correct correct


it's a liability what ,


, correct , correct ,


!yay! good job, (ppl), okay thank you


part three negative experiences full stop


how about you start first ya


oh, oh I see I see okay,


ya


ya so uh the only experience that I can can probably share which is not gravely wrong but it's probably because uh I don't stay together with my grandma but I was I'm very close with hers because I grew up with her lah so uh when I was in secondary school then she moved over with my aunt so my


always one thing is whenever I get to get time to visit her she would tend to sometimes be very how to say uh, her uh very uh naggy so I tend to uh give her some attitude which is I feel


uh after after like after that I will feel very guilty about lah so that is probably one thing that I can I can uh describe of now [loh] but other than that I don't so far I don't recall of any experiences in my life that I committed something very gravely wrong lah


angry ya !wah!, I think I, I think I'm very emotionless how about you want to share ya you want to share anything I I try to remember


ya I also, ah ,


okay okay ,


okay, !wah! it seems like it traumatise you at seven years old you can remember, ya


for me I don't really feel angry like very often there was no event that made me very angry uh I guess maybe when you have a bad day got there's a bad customer that came in then probably I'll be annoyed for that three minutes ah after that I'll get worried already


ya ya ya [loh](hmm)


I think I think uh bill gates is attending to it right now, , so I think he is trying he has a bill gates and the melinda foundation right he's actually trying to cure like uh create vaccines for the world lah so he actually almost managed to uh cure polio in uh africa if I'm not wrong those third world country ah


ya so he he he has been doing that lah I think is not to my ability to be able to change something in the world I'm not greta thunberg also so uh what about you,


ya , ,


, for for me, , for a something that they can do for a living like there are some there is some companies who are already doing it like for example there's this company that actually they hire uh they teach blind people how to do foot massage


and then they cater to companies like corporate events they drive the bus down for for for the uh, blind people to do foot massage for for their staffs lah so this that is one thing so in our industry right I'm thinking like you know you don't have to be able to hear like deaf or uh mute people they don't need to to to be able to talk or hear to do this kind of thing


ya so if let's say if to the best of my ability if let's say my business actually expand big enough I don't mind having a lab that could hires like uh disabled people lah to at least give them ya so, ya so


if like I ever made it to that stage lah but for now we are too small to even talk about talk about this kind of thing I think even like uh I think the biggest chain stores they are the one who should be thinking about all these kind of things lah


, , uh


I'm very neutral person I don't really hurt people feelings and people don't really hurt my feelings how about you,


, , , !wah! okay


!wah! !wah! okay, ,


, , but I think is no choice lah you know this kind of thing there's no like I always believe in the the challenges that is being uh given to you is actually something to make you stronger lor, is is a story that you are able to tell and it makes you you lah everybody is different mah is the different experiences that you have makes uh makes you uh differentiate you from other people lah I I I I always think that way lah so there's you don't have to be too guilty over that also lah I feel ya


uh I do have so I actually , I'm in a family where we are not very how to say we don't we don't talk about like politics we don't talk about uh businesses


basically quite a normal average family lah so I grew up like very airheaded and and like you know uh bimbo lah they call it okay so that is always something that imprinted in me, so when I try to talk logical things now is always they always have this like uh


f~uh preconcept of how I should be and I I should not be able to do the things that I I want to do now lah so that is something that always I'm trying to fight which which is like very hard lah because the people already have a


pre uh mindset of how you should be you are just a bimbo why you just what what are you talking about like, more uh other stuff now so it's like it's something that I'm trying to get over now lor you leh,


oh okay okay okay


oh, haah okay okay, okay okay but you you just sing for yourself ah they can sing for themselves what you you get what I mean


ya, okay, ya, ya okay I see okay


I ain't got nothing much to say ah I'm very lah you you you you eh, , is a life too short for me


oh you you there there was one period of time where I very very stress over my work right, so I wanted to quit so that was like the last straw lah but, it's combined with uh a lot of different factors one is work stress because uh of course when you are you are when you are business you want to generate sales mah so ya so sales is not good and then uh on a personal level my my mental health was not good


that was when uh is very at the brim of giving up already so uh, luckily I have a very good network, when when I'm next thing network is uh basically my the friends around me lahso my friends are very encouraging and then ah


they are like you like I said just now I always have to reach out to people to tell them uh what is going on then I can process in my mind uh how to how to clarify things and then move ahead, so in a way I relied on people a lot last time and then but that is like a very spiral thing I I I feel because when you tell people sometimes it doesn't clarify the way it you want it to be sometimes it will make it worse so


uh that that even though they give me a lot of encouragement which I needed lah during that time uh the problems aside uh the encouragement was something that I, needed and then uh it's not practical for me to quit also lah cause no money mah ya so ya lah that's that's that's one part lor how about you


okay okay


, , !wah! correct


, , !wow!


, okay thank you


part two positive experiences, (ppc)


adrenaline rush ah I think of course lah !duh! bro, ya, that means you you know the flight of fright moment, that is lah you go and google ya you you is the flight or fright uh feeling that you have that your you feel your heart racing lah that that kind of feeling so I think the last time I had it was you you remember uh february I just went to Phuket


I do it I did the bungee jump, ya, uh I tell you the fifty metres !wah! I tell you leg shaking ah, before I jump lah when you are jump when you jump already basically you don't feel anything already


no lah I, aa no no no no no not like that so they give me a choice of whether I want to jump myself or they push me so I couldn't I couldn't jump off myself so I ask the person I ask the fella to push me down


ya a cliff what (uh huh) it's fifty metres, it's a man-made structure so uh they they just push me down the the the fifty metres lah


ah I just scream lah what, ya no no no vulgarities ya, ya


ah, okay okay , okay


, okay ya


ah okay so do you want to describe a moment that you feel that you felt the luckiest, I think I have a answer for you when you met god is it


oh oh okay I'm I'm sure I'm sure it's not luck bro is your ability yo, ,


, I think there was once where I was walking on orchard road then I cross the cross the traffic light and then I saw a ten dollar flying on the floor ya and then I quickly run over and grab it so !wah! ten dollars


just run, eh ya eh you don't get you don't get to see ten dollars flying on the floor anytime eh all the time ya,


ya, , or anything you say first,


, and to add and to add on right the pay is good also right, ya


, oh, , not the POP right, ya


I was there also, she did bro, she got cry also I was there leh, ya,


, uh I I can't think of it any lah !aiya! skip lah, ya uh the stock market, , uh cause I can't really predict what's going to happen next so you always I never fails to amaze me ah


ya ya


how about you


seems like army has quite a big impact in your life eh, , ,


perseverance I think it has to uh has a lot to do with the hunger in you lah so for my case ya I think we both


came from not a very well to do family so I guess that is what makes you always hungry for something not only hungry for money but hungry for recognition hungry to be able to make it so I think is always the when you when you are at your how to say when you experience uh what


does it feel like to be at a low then you will always uh want to move towards the higher direction which is what makes me persevere even though like, sometimes you might always have setbacks that is very common lah setbacks in like work or like things that you are trying to do but it doesn't kick off but we always remember that we do not want to go back to where we were that's why we continue moving forward mah


ya , correct, , ya


, , , ya and, and I think mainly it's also because we enjoy what we do of course uh I do love my work I that's why you I can continue at it for for for so long


so I think another part is also I really enjoy what I do that's why I can always continue or or you can say that I find a passion in in in in doing what we are doing lah so that's why we can always continue persevering lor, ya ya


correct


so okay this one quite interesting so in a post COVID world, what are you newly thankful or appreciative towards so what have you gain throughout this whole COVID thing,


, correct


, !wow! , ,


, , , (mmhmm)


, , ya, so I think actually for this COVID I'm really quite thankful for this for this whole circuit breaker period lah so I think for for this period right what I actually gained the most or reflected the most is


uh I get to have a lot of rest time because uh before COVID right is like just work work work, five six days a week uh just continue working so I get to have the privilege of resting at home a lot during this whole COVID period because you know we we we take turns to work now lah instead of uh ya so I have a lot of free time at home it makes me more productive lah in a in in for a change


so in a way working more doesn't mean uh doesn't mean more productive, in a way when I have more rest I feel like it's more efficient I'm more productive at home and I get to I get to enjoy more how to say time of being, on my own which I really appreciate a lot lah so during this whole COVID period I get to be alone a lot I reflect a lot also and I I started started to do a lot uh more like


mind work like reflection in the mind so I think is very healthy experience actually, ya so like uh I actually started to do blogging also which it helps to organise my thoughts and then uh ya but of course the blog is private to myself


ya so basically I think I'm quite thankful and of course on a on a macro level like you say, uh we have to be very thankful that our government uh managed to keep a lot of livelihood for for us citizens lah ya so I'm lucky that I still can get uh keep my job still earning a income lah ya


ya I think this whole period is uh quite quite uh quite uh how to say quite uh how to say in english, ya quite a breakthrough for me like uh on on anything in in terms of like personal personal growth lah how about you


like, when things cooped up uh I will ask my colleagues how ah ask uh like my friends around me like ask for opinions but I think actually to the end of the day I learned how to rely on myself more which actually make me stronger


so that's one thing that I really appreciative about for myself lah


ya I get what you mean I get what you mean ya totally ya, of course in in in retrospect of course is is like very but of course when you if you when you get over it of course you'll be happy also lah ya ya ya correct


uh I help someone ah I I think usually people help me more leh, , help me in I think I used to be very how to say ah even though uh things I know how things are going to let's say we have a problem now I know things will eventually be solve but I will get very panicky jittery ya I will always want to find someone to tell


to because through the process of telling right, I actually organise my thoughts so that has to be so that has been always my way of uh solving problems actually but when you are at the heat where at the heat of the moment ah when you tell someone to not read who is not related it wouldn't help you much also so I came to this conclusion that why don't I tell my blog


so as I'm typing right I'm organising the thoughts myself also so that is from what I said ya so that is how I actually uh try to rely on myself more because sometimes when you tell people not necessarily it will help more also, in in the end if they give you wrong opinions or what ah then it will jeopardise the whole thing also mah ya so


correct, correct correct, as long as it works


okay, oh sorry that's why I tell you, part one financial related topic full stop


I think for myself right when I uh I think it's very funny ah when people approach me uh when it comes to insurance I think usually is uh people come and uh approach me I don't go and approach people regarding the insurance so it ya


ya ya ya ya is usually from like MRT and then people will like ask me uh what are the you know usual questions lah what is the life policy that you have for the insurance, of course of course because I mean it it depends like how aggressive they are lah I mean remember this episode where


the person was there and I just told him lah oh I really have some of these plans and then he was like oh then it's okay then I don't want talk to you and I was like what, how can be like so rude right I mean at least try to like ask some questions, but he just instantly stop ah talking to me lah so that was not so good lah experience for myself ya


ah you wouldn't want to like hear like second opinion or you know different


(mmhmm), oh ya ya of course (mmhmm)


shit that's good eh you should there there I thought we were friends but anyways uh I have uh what about you do a personal insurance do you have any of those


okay I mean for myself uh as well uh I have the I have the term one unlike yours uh life I mean I was contemplating for the life one but you know uh I think you know lah the premium is actually more expensive


from the onset you know right a lot more so I instead uh choose to for the term one uh and of course I also have the hospitalisation plan with the rider plan add-on, whose have the CI covered because recently they say that they're just going to change some terminology right so uh we better get it before so same same that I got it from uh AIA


right so uh I believe in insurance lah personally because no it's really about transferring the risk uh from yourself to to the insurance company lah so that is why I I got uh the insurance and why I think it's important lah so that if anything were to happen to you right you know that uh you are covered for like like what you mentioned just now


your uh family uh should anything touch wood you know happen to you they they have a money to tide over lah same same for myself ya, uh both both so that's that's the important thing so I mean it's playing with chances lah if you are like thinking one or the other right how how would you know whether it's early or late so better to have both so as to minimise all sort of risk lah so currently I don't have any more I have a investment linked


uh product right uh you know to some assured as well it's a bit like a, like a term plan but uh it has a investment uh linked property uh which is what I I like uh for for a start lah because it it it covers you that's number one but number two you also uh brings you some money at the the the plan lah as it goes so uh that's one of those as well lah


ya, so do what do you think do you have like a endowment plan, we are same we can give a virtual high five I also don't have a endower endowment plan I think that has to do a lot with like in the future right of uh what happens when you know when you go old and then they will give you back money is also quite expensive so I mean it's not surprising that's not one of the


ya because there's there's other things lah you can do with your money and and investment and stuff like that right, so , uh ya ya ya I think that is that is one of the most important thing likewise is risk uh of course there are there there's there's two school of thoughts lah one school it's like saying come on you've been going overseas a lot of times nothing has happened but the truth is you all you need is just one


you know why if you know one day you go and climb a mount uh Kinabalu and then you just break your knee and then you need to have a medical evacuation trust me that moment you will regret with all your life that you didn't get a insurance so you you don't want to save the money on on that sort lah, ya ya


exactly that's that's what I was thinking as well so when you think about that really it it is the kind of money you just take it as paying insurance for for something that is required right so when you get over that psychological kind of thinking uh it it makes better because you don't need to think that oh I have a choice to


to get it or not you just tell yourself okay I need to get it because if anything happen I need this then it it it because it makes more sense lah from that perspective ya, so what do you think are the insurance that are essential for people of our age


ya ya ya ya I think is according to age the premium as well, exactly trust me I I know what you're talking about I mean personally for myself I I think those things I I agree with you they are essential but personally actually it took me some time lah


to uh to get the plan because I mean honestly while I acknowledged the risk and all that but I was telling myself come on what I mean the first idea first came to me was when I was in army actually you know insurance agent uh approached me and I was uh telling me lah okay look


you you you need this plan you know you are in army there's risk and all come on lah you really seriously so I I I didn't so I took even more years, exactly ya


exactly I would you are right so that was, so I I I took a bit more time lah but eventually I agreed and I I did get those uh insurance that are that are important, oh yeah I I didn't get personal accident because uh up to now uh as I like what I meant like


because I I struggle a bit ya so, is it is like thinking seriously will I really get into accident and then you know you need, contemplate is not so much of the money now because uh of course I can afford it but it's more like do I want to spend the money there so it's it's a choice lah so I I struggled with that even till now lah


so like a like what percentage of your income like how much you will spend actually on insurance what do you think is appropriate, about same exactly that's what I thought as well


okay ya ya ya


ah ya I I totally agree like even for myself like ten to twenty percent is actually quite a lot lah right and because you had to you know spend the other money on uh other expenditure you know in singapore it's really expensive, right and then you know the money you put into insurance most of it lah besides your life uh and uh life uh insurance plan you wouldn't come back to you you know even if it did it takes many years right so


it's basically is money and you know gone lah so uh you know at this age when you are starting out it's very important to do a lot saving so you can uh create a mass right of of wealth for for the future same idea all right so that's that's for me as well lah ten to twenty percent I think is really quite a lot at at least at this point of junction lah


I , I I think that has to do like uh with like other side hobbies lah and other jobs that you want to to do in order to uh get uh that that


that that that money right uh depending is on your hobby personally uh I I do like a uh, working with like kids to do tuition and I was done, so I I do that to increase my salary other than that, as of this current junction I mean I'm exploring options but those requires more plans lah like I even thought of like monetising a podcast to talk about interesting topics with people right uh but that requires more planning because you can't just record right it's not so simple you need to generate content and think about how you want to talk about it ya that's for me what about you


understand ya, so you are going into investment lah different uh financial product to help you okay I mean that's a good idea I mean that's a strategy for a lot of uh young people like like us like millennials right to go into this ya even for myself like uh recently I got into this trading


right and you know doing that which is uh helpful of course you need to be mindful be discipline and also be emotionally uh control but I don't let it go out of control because if not uh I remember there was once I lost like uh three thousand overnight, my heart sank and uh I don't know is that moment you are like shit how am I going to get over this right but


you know that's the thing about being young I think when you make the mistake you can recover from it emotionally that's one but also financially you just need to uh work out better strategies and you know eventually now I'm in a better shape lah so that's the same as well ya


uh I think personally I I do I do have a a habit of saving right uh, oh myself is around thirty percent ya thirty percent are actually


uh I I believe in this saying it says uh out of sight out of mind so when you don't see the money is as if like you don't have the money so, , ya ya ya ya ya I just let it you know auto you know transfer and then you were like ah where's the money and then one day ten years later you just go to the account and then you see oh shit I have like a hundred thousand there you don't know where it come from but we are and I don't know there's the money there lah so uh that's what I do


yes yes yes generate better incomes how about you, !woo! that is a lot leh oh my goodness


that's good , it must be ya


so so how do you feel when you overspend when see that that value decreases, no choice of marketing , trust me ya ya I understand that feeling that if you don't buy is you know it's a deal and promotion that I really ya


ya so ya that's the discipline part as well lah even as we we go I mean I think also it's very important to be like flexible right uh be chill with it I mean it's it's good to have that but when you don't hit it you don't beat yourself over it and then oh shit I'm a sinner and I I I I just miss my target ya it's true ya


ya ya ya exactly because come on it's so stressful nowadays there's COVID I mean things sucks I don't think it's wrong to spend a bit money to cheer yourself up ya ya that's true


I think for myself the one that always justify is food lah you can't go wrong with food ya I really like to indulge in food it's not wrong ah I mean I mean of course don't go to the extreme and eat buffet every other day, oh my Gundam is a eh I knew that was coming it's a one time thing lah


actually I I don't buy like constantly so I what happens to me was I bought like I spend of course in two two three four hundred I buy a few sets and then that's it because one set can uh take quite long I mean, maybe you want to take a look one of my Gundam is actually here it's a gigantic one I don't know if I show you before


you got to see it's right here shit it's quite cool right this thing is like fifty to sixty dollar ya ya I did I did I build it from scratch and uh it's really quite cool but but then you are like thinking okay there's like three four hundred wasted right but I disagree because I think


ya that's right okay beauty pleasure okay that, that's closed but is that them ya ya ya ya you're right you're right, so I just spend it all and I just build and it it makes my life more fulfilling to the extent you know enjoying that that process lah or on weekends so that's how I I spend how about you


(mmhmm)(mmhmm) that's right tell me about it, yes yes


so is there any like specific thing that you you know that you you definitely want to pay money for I don't know is it bags is it shoes is it accessories that you will be like okay I see I like it I'm buying it


okay (mmhmm) oh shit that's cool, (mmhmm) !wow!


ya I I agree I I think that is like I think in this generation we are looking in this kind of uh items that have more effort and and a story behind right, exactly


ya ya ya start up ya because after all you know starbucks is okay starbucks coffee really sucks by the way but you know every other coffee that you drink and and then you do is like a helping the the company to grow especially is a local company ya I totally agree right that is something that is very very important lah when we think about


that right uh how about the what you, call do you have any strategy that you recommend to people who are planning to you know uh buy uh items that are could be expensive like you know when they want to buy a car a house or even you know to have kids, uh actually (mmhmm)


(hmm) I mean personally I I of course I also don't have the experience because I haven't reached that junction where I'm paying that kind of money but if it was me and when someone were to ask me I think first and foremost is uh making sure that they are like not using money that they do not have


right uh I think it's very common nowadays where people are just swiping their credit card getting the maximum credit they can, then spending on uh experiences on or money that they do not have borrowed money right and then they land themselves in debts I think that's a big no no, right I think uh everything else that goes uh beyond that is definitely somewhere that you want to come back from lah right uh you know sometimes uh when they think that these things help them to look cool and look good you know they are using this money lah I


a car accessories getting like rings gold necklace you know this kind of things that show show, off right but it's really not what you need, and these are big uh financial mistakes that you are uh embarking on lah because you jeopardise your future


right imagine you have to pay for credit card like twenty thousand dollars with a salary of what uh one thousand five hundred how are you going to cope with that you you can't because you can't manage that right and the interest will kill you right from credit card every month or twenty four percent you you you are you're you're just getting yourself into huge financial trouble so that is something


that you I'll I will advise them lah right when when you want to get into this ticket, be be practical like even buying car we know in singapore know is the one of the worst or poor investment because the moment you buy you it devalues right, it's a liability is is is nothing more than that right


so that is why it's very important lah I mean I will just tell them do you really need a car I mean unless your job or or what what's required lah or even like uh buying a house right you know we know that in singapore you know if for singles you need be thirty five and for married you need be you know married lah and then you can BTO


so these are things I will just tell them lah that will be important ya so


what, part three negative experiences, describe a time when you have uh committed something that is gravely wrong and you


there's no way to get back up and start over that sounds very extreme ya like personally okay so what happen is that uh when I was, in army same thing what happened was that I was uh I was supposed to guard this uh call so I was given a radio lah basically and what happens is that I needed to inform uh my my my my peers right about uh uh incoming mission lah and uh what happened was that uh


uh I I, I fell asleep so I fell asleep while do when I'm supposed to be awake and because the message didn't get conveyed , they they died lah I mean in the entire training and uh that is one of the worst thing that ever happened to me I think personally because number one I I failed them I failed uh those people who trusted in me to protect them right second is that uh I


I disappointed them right in in doing something that, you shouldn't be doing lah in your training that is falling asleep no matter how tired you are and uh for that uh it it causes them to, to uh, be punish very heavily and uh it is something that you you can't go back from lah because you know you you cause a failure in in that that whole exercise right so uh it is very hard to explain that the the feeling and that


guilt right where you got to look at them and they will they will always remember I mean there were some that uh understand and then we talk about it and then would move on but, uh there always be that that that gap lah in the reality that no matter uh what you say you know you always remember that eh shit this guy uh which is me right uh fell asleep during an important exercise and inevitably causes uh these things to happen lah and that is something that I probably have to live with lah


for the rest of my life of that , of I mean it's also a good reminder that, uh don't fall asleep uh not in then sense that don't sleep right but when you are doing something that is very important and when people are trusting you and they look to you you need to make sure that uh no matter what happens don't don't don't take your hands off the wheel uh always be responsible to which that you've been entrusted lah that's for me at least ya


(mmhmm) oh that's good ya


I I understand I mean I mean I think it's a good thing because you know sometimes these experiences will really stick to you and they will it it really take some time to uh expel them from your system ya get over it ya ya totally agree right you want to talk about uh event that makes you very angry before


, sure sure sure I mean personally what really makes me angry or I think I think anger is something that I'm not very


uh ya all I mean in a sense where I don't get angry easily I get upset and I get frustrated but if there's really a time where I got uh really angry you be a, time where uh what you call when I'm my mum right when


and then she was uh supposed to uh fetch me when I was young when I was I think I was seven and then uh you know it was a school bus you know everybody drop off, and what happened was that uh I was waiting for her lah and it was raining heavily and everybody uh got fetch lah basically and I was there under the the block and waiting and I remember it was seven plus I was seven years old right so I was the last one uh to get picked up and I got a really really angry because I was like !wow!


am I like not important enough for you to to pick me up she wasn't late like five ten fifteen minutes she was late like I think about half an hour, know waiting there by myself in a place of nowhere even though I know my house where is it right but I think it was the first week of school so I didn't really know how to


go back home by myself lah at that point of time so I I got really really angry but I mean I didn't say lah I didn't scold her or anything because I was so young right uh but that that that was something that I remember ya, of course no I mean I didn't do ya these are the experiences you can remember is is for life lah because it's so bad right the negative things but as long as you don't get it let it affect you uh ya it's it's just like a scar lah just to keep that way ya you got healed from it lah ya


that's good that's really good I think I think those are things that is is important you dispel out of your system you don't let it get to you lah okay no worries maybe you can talk about like uh what is some issues that you feel upset uh about in the world that you think that need to be you know something need to be done about it


one of those things that really affects you ya, oh that's good what what is the issue , ah ya ya ya I've heard about it


uh I think if there's an issue personally even though I I agree with you there's there's not much we can do lah one issue that I think that really affects me is uh world hunger uh I think in uh this twenty first century with everything that we have


and the resources I I I think it's really absurd that there are still people in a world that is suffering from hunger lah I think it doesn't make sense because there's more than enough food in the world for everybody let's face it right and the reality is just


how the resources is is being distributed, right and then two is who are the people that is get receiving lah, we know that in in this world there's a lot of food that's being thrown away that's being discarded right simply because they they they are deem uh not pretty not good enough commercially right but actually they they can be eaten lah there's nothing wrong with the food yet we know that there's a lot of this they just get thrown away because it's easier right


as compare to uh giving to those people who are really in need so the world in is in a state where we have everything within our our grasp right to solve a problem but nobody is solving it lah and they are still people dying from hunger uh every year and and that is some something that I really feel upset about


which is also a reason why I I I I believe that we should uh not take food for granted right people be like oh it's just food right but it's really not it it is a representation of the reality that somebody else is not having, and when you think of it that way and you understand that somebody else who is not having whatever he's going through right is far worse than whatever you are seeing then we really want you to to do something about it lah and


how much do you do about that that's another thing lah right like and like what you were mention lah there's really nothing much we can do but if there's a issue if ever I have the ability to want to solve now I sound like I'm running for politics right I will want to I want on solve this problem I want solve this problem because I think this problem shouldn't even be a problem to begin with


that is why right I mean there's a lot of other things right carbon emission global warming and ya all those stuff


I totally agree !wow! that's good that's really good I think that ya


uh I agree I agree but I also believes in in the power of a dream lah right it it always starts from a dream right so I I think that's definitely one thing you want to think about as well lah and maybe we can also talk about a time when you hurt someone's feelings ya


anything you want to share about that, uh I think I I hurt quite a lot of people's feelings in my life personally is I think there's one when okay lah it's is of course it has to do with love and relationship right so what happened is that uh I think I was what seventeen years old and then in the end what happened we we


got along we got along well and we we really like each other but what happened was thatuh due to some uh inherent problems that we cannot overcome due to family background and our personality we we we we broke up lah uh and why do I think why do I


no I hurt the person's feeling thrice because we met I think a year ago right I mean she's married now lah so, happy married and and all that but year uh I met last year right uh she told me lah do you know how long it took for me to forget you I mean of course I didn't know right she told me four years and I was like oh gosh I


I I, I I made a huge mistake lah I took lightly of a relationship of someone who really cared for me and uh wanted the best for me and ya


exactly ya


ya ya ya of course but but when when we first heard it you know the shock that comes in I mean it it takes some time lah, for you to like get it over and to move on from that lah to know that shit uh I I could have you know somehow maybe you know we don't want to rationalise what if I did these what if I did that would you have been you know so those talks will no no doubt come lah but I agree with you right it's a journey of growth and it helps me lah


right or or maybe one also talk about time when uh you you'll you'll look down by your friends or relative people who don't see any potential in you do you have such experiences


ya correct, understand I think personally when I got look down uh I think there was a period of time where uh I couldn't really sing all right so uh


my my my friends actually it was like like err, no it's true like I mean not just in in in my secular but even in church right so ya there was something that is uh although what a reaction that was right so what happen was that


in church when you cannot sing it is something that is uh it's quite funny ah if you think about it but it's real because they they take it to that kind of level where they judge you based on that and then you are like not able to sing because in church you you got to sing right


ya ya unfortunately it reach a point where people will be like uh if you can't really sing don't don't sing lah but uh you know, exactly exactly I I do I do but unfortunately that's not how they think so when you sing and they can hear it and


they will judge you lah secretly or being open even though that's not the the way to be right eh I mean it should, to be all about love and all about you know you know looking not looking at people's weaknesses but unfortunately that was that lah and that that was that was quite tough for me uh personally because ya you got do like overcome this such a small thing right but it it puts a dent on your confidence ya because you lose confidence in your ownself


ya is like singing but causes you to lose confidence then generally your whole life becomes down ya it was something to to overcome lah personally ya maybe we talk about if let's say you know unfortunately if you're going to die tomorrow what do you think is your last words you're going to tell your love ones


no I mean is not just emotions but do you think there are some things you want to tell them


ya I I I totally can can see that but oh I think for myself like the last words will be like honestly I never thought about this lah but I think if I were to tell them is that, I will thank them right I want to thank them for everything they have done and to tell them don't worry I'm going to a better


place and I also hope to see you there so that we can spend time together lah and, just for awhile I will say but if I ever get so much words to say right the I think that'll be quite quite awesome lah but if I don't then they can uh read my journal and uh or maybe I that should be my last words read my journal you know and to figure out everything else they need to figure out


all right why don't we go to the the more of those fews question on uh a time where you feel like giving up struggling time


profit ah in revenue ya ya definitely


understand ya yup, yes ya


uh I think for myself is uh during uh my o level years so I was seventeen years old, I was uh about to take o levels what happened is that during the year I I I started to fail uh my math lah I actually doing well because I was from a normal stream right so I took n level and I got a two lah for n level but what happen is that uh in when I was seventeen years old the school merged


right and there's a lot of new things and there's a new teacher and there's uh new classmates so everything was relatively new and that's that's not good lah because a lot of things uh become stabilised uh not stable anymore right, so what happen is that I began to fail math throughout the entire year and uh I reach prelim and I got F nine for math


so you can imagine the stress I I was in lah when from prelim to actual o level is only what a month or two left right and I I really want to give up lah I I thought this was hopeless this is it uh but what was good or what really happened was that uh I didn't


there was of course people that help me my mentor he he was there for me and he helped me to he taught me math and I keep practicing and I just putting in the best foot forward, and uh in the end uh from my F nine I got a C five uh not the best uh of course previously I didn't even get a one or a two but I think it's really about in the end when I look back on this entire episode


is really a reminder lah that as long as you don't give up you can uh achieve uh the success do you want and that is something that I'm so glad to share even as we have a little time left lah of this amazing sessions we have been having, yup, thank you


part, two positive experiences full stop


rush you know what's adrenaline right !woo! you sure you tell me ah what is adrenaline first, no that's not adrenaline okay I shall google later okay


ya ya I remember before COVID oh shit tell me about it what happen you know before you jump or when you jump already there's a difference


your leg will still be ah I mean you are looking shit down all the way wait did they kick you down did they throw you off the chair or how do you went down shit I saw one video they they kick this is sparta and they just give you a kick and you, fly down okay okay that was also extreme, okay that's good


oh shit so you got push off uh like uh what a a cliff or is it how how is it no I mean the bungee jump is it how high where is it at from oh so it's a it's a man-made structure okay understand


okay so when you jump off what is the first thing you scream okay okay no vulgarities ah okay that's good that's good, !wow! uh I mean for myself right I think that time I I went to uh during one of my training in army we went to this after doing RNR we went to this uh this ah something or something lah it's in taiwan lah basically and we do this like uh a roller coaster


oh my goodness it is like the u shape kind of a roller coaster from the start and it goes up all the way and then it went back up and what what causes me was like I mean I was with my friend right so you like screaming the the vulgarity lah and I were just sitting beside and I was so silent that


I think at the moment I I'm not sure whether something happened to me lah I became mute or or it was a emotional thing lah but it was tough, right and and that was one of the biggest adrenaline rush I had lah ya


oh my goodness that is uh and then it's quite tough for me leh personally lah I I I probably need some time to think about it do do you have a answer, for that like oh really okay share with me, !wow! that's amazing that's one of the nicest experience that the luckiest experience I I ever felt that's one of them but they are I'm sure there are other experiences aside from there that make me uh felt the luckiest oh I know I did one of


the luckiest moment I felt was uh when I got selected to go to the army uh to go to a officer cadet school OCS ah ya ya ya ya not not because I go to army


uh I didn't think it that way I take it as a moment of uh celebration and I I really felt lucky how about you


!wow! tell me about it okay wait do you look at the cars or you just run, okay that's good I mean it it could be worse right I mean but that is ten dollars is worth the run ah I don't blame you, that's true ya ya I understand


right tell me about it man and then what about what is one of those moments that you are the proudest proudest moments of your life, okay I tell you eh okay lah I think is because it's army as well right since it's about that I think one of the proudest moment I had, was when I I got commission right uh so commissioning is where the


and the, president or someone representing the president or in singapore uh sends you to do what you are being meant to do lah ah that is being a officer to defend and guard singapore right so that is one of the proudest moments of my life uh I guess because number one uh no one in my family uh got uh


got into this or become an officer in army I have I've quite a few uh brothers like a four of them so add me there's five of us right so none of them actually became an officer lah so personally is one of the moments that I am a very proud uh I went through the training


I I I I try my best and then in the end uh I I made it lah and then I uh and then got recognition for it of course uh nowadays people and ya, exactly the pay is one of the best lah right when we become an officer we know is the highest tiers so


uh that's that was me and then when my mom came and she put the uh epaulettes on my my arm right and then she cried lah because I think it was very emotional for her and uh, POP was uh for recruit lah that was that that's why she was there uh I think that one she didn't cry oh ya she cried


really shit oh you saw my mum cry oh shit then why didn't you tell me ah I always thought she didn't ah maybe after this I want to give her a hug and thank her but uh that is one of the proudest moments ah of my life (hmm) how about you


ah don't worry we can talk about other things like amaze what amazes you, !woo! why why it amazes you


okay that's uh that's true I mean I don't for you for being amazed because you can't I mean nobody technically can guess where the market is going so , , any other personal experience that you got amazed by by someone or something that happened to you or something that you see


me uh I I think I I got amazed quite a lot, uh, in life really uh I I I'm actually quite easily amazed lah like when even people do things where I just see uh certain things that happen


uh personally uh okay lah also shit guy I don't why it keeps going back to army right but it's real right because I remember there was once there's this uh in my my army camp there's this guy that he needed to uh go uh to


#hari raya# lah it was uh a a weekend but he did something wrong during the training and then he got to stay behind uh what amazes me was that actually I I told him lah I said uh don't worry about it uh let me talk to the OC which is the officer lah and tell him that you know it's going to be okay he got to let you go right


and he was quite shocked lah all right my friend was like no don't do that #wei fan# you know it things could get worse right and I was like no let's talk to him you understand and in the end what I was really amazed by was how my sir, was willing lah to let him go off because actually he got punished already by the sergeant and that is something that is when I think about it up to now


I am a like !wow! I mean who would have thought right because uh something like that it's really very hard uh in the environment but in the end he really got what he wanted he was really very happy uh he thanked me for helping him to find that courage and it's things like that lah that really uh people really remember and uh


ya of course like two years and then they force you to go through things that, uh you will never go through in a normal life uh civilian life uh I don't want to talk about how I almost die in army that's uh that's crazy but there's those things ah but I think if we talk about that the next questions on how what makes you persevere uh I think you know where is going for me but maybe you want to share about uh some story about perseverance first


that's right yes yes, I I totally agree like like what you just said it's really about what is ahead of us that cause me to persevere lah and uh knowing the goal uh that wish that you want to achieve uh I think this is like


what people call uh internal and external uh motivation right I think because of the experiences we have we are know since we grew up and our background and things like that that enables us to have a lot of uh internal drive, and uh that desire to wanting to achieve lah and not giving up no matter what comes our way and ya


yup , uh I I agree right so like is is important lah to to find find the, passion and that desire that keeps you going as well in order to to press on and and even at times where the that that will be low points right even in something that you enjoy


right uh you remember what what is it that you are doing it for that's that keeps you going or even when you share with people who are going the same direction right so that is why I think we we often share stories and we often do things together going for runs, and the working out you know when even it's hard we we always want to continue lah because we have a goal we have a thing that we want to go through ya I totally agree


!whoa! that's that's avery good question I think personally I am very thankful for singapore I think what we have is something that ya I mean look at look come on look at the world how different governments are struggling with this entire pandemic I I dare to say we are actually really very fortunate uh because we have


very strong leaders we have uh government that knows uh what are the things to to look out for and I also very thankful lah that there are people around that will encourage and and be there for me uh friends family uh basically loved ones lah and


I just I I think one of those things that happen during COVID is that uh this issue quite personal lah but I think it's fine to just share actually my my mum started to cook uh in this period as well, right because there's all of us are at home all right uh ya I mean people will ha but I thought your parents should be cooking every other day right but not really lah for my family


so when she started cooking again uh it it's really very enjoyable uh because everybody is like eating together again and then we are like connecting through food and when we were talking and that later is I think that that's what I really understood it's the little things that matters I mean sometimes we always think that is the big things we are


uh focus and busy chasing other thing as well but when you boils down to it is really uh relationship friendship and and things like that that uh really helps me lah to be thankful for lah how about you kelly


ya that's right understand


!wow! that's cool , (mmhmm) I wasn't going there but okay I get it


that's right tell me about it I mean even though there was some challenges all right on the finance uh we know in many uh different parts and are many singaporeans ah got affected but ya you I I totally agree with before you just shared and it those are very important lah I think that really links to the next question that we can really talk about the experience of uh personal growth


right you know I think that is something that is very interesting for us


why oh why why is that I mean in terms of how is your experience at personal breakthrough, ya ya oh, true ah


I think ya thank you thank you for that I like for myself I actually uh I experience a personal growth also uh


exactly right in in army as well when uh what happened was that I remember ah we needed to do a a three day two night uh mission, all right uh what it means is is overnight lah right and you got to stay awake throughout the night and you got to find that breakthrough uh in uh telling yourself that you cannot give up because you have people that is uh needing you and I they they they need you to do the mission lah to do it successfully and that is something that


I think that growth come irregardless of whatever you are feeling right I I think when people talk about growth uh is always a very nice thing to to have and to experience but uh not nice things to to to undergo it lah when you are in in the midst of it


right is like it like saying oh I want six-pack but you don't get six-pack by saying I want six-pack if you get six-pack by , ya ya ya, is always better correct so ya so I think someone once said this and I really agree it says that you can't climb the stairways of success with your hands in your bag so I was like shit that is like


!wow! you you want to you want to get the results you want you go to put, put your hands on on a drag and really put your effort in lah and that is something that I I really really agree on lah ya how about uh describe a time when you help someone in your time of need


, no it's okay you also can share about that how are some things that people help you in


ah okay yup, true true true that's good


ah okay


exactly exactly so is why the people ya, then and and you when you type in a blog it clears your mind and then in the end you get a solution that you need lah by by making sure you share your feelings I mean no doubt it is through another platform not a a human but is fine as long as I mean the objective right is to make sure that your thoughts


and and it works lah I I totally think that that is the way right I think like there's a place and time where you share people provided they listen to you but if they don't or you can't find that space right uh able to help yourself is is the most important thing lah as long as you meet the objective, ya totally agree thank you


angel do you have personal insurance, any like insurance


uh yes I do have personal insurance I have like health and accident insurance and I recently started an endowment planned for savings insurance and it's run by like Prudential


yah so like the policy, for my accident is like as long as it's any, formulated accident or uh, it's like, the bills for the medical bill is claimable, yeah


so for my savings insurance is like so I had to put in this amount of money every month and it's I'm not allowed to take it out if I'm not wrong it's called pruise, prusaver or something like that so yeah every month


I put in the money and then , you'll generate over twenty five years, yes okay uh yeah , so like this first year I just went to put in like a whole year's


like, the whole year one but it's actually thankfully it can be switched back to money, uh yah, or half yearly or yearly, but usually it's monthly lah, but I can choose uh how much amount I want to put in at one shot


what uh insurance do you know about


in the future do you plan to get insurance such as like car insurance property insurance business insurance, or like if you travel overseas you get like travel insurance, like right now at this age when you ask like when you travel


like, do you have travel insurance


fortunately insurance I know that like all education sectors actually if you go on a educational trip they actually provide travel insurance for you like in case of any things like uh, , like money actually goes back to your family


I think like some insurance, these days, essential in our age, uh will be like , like for the future I think


you, you most probably touch on like car property this kind of thing but you know, age mainly is like hospital insurance accident insurance and saving insurance lah


my insurance agent told me about like, the like eh is it if I'm not wrong is uh, fifty thirty twenty, you, so it's like fifty percent will go to your daily expenses like every month then twenty percent will go to your savings


and then like insurance, then, thirty per cent should go to your personal savings


okay how I chose my insurance agent will be uh through my parents cause actually, , that insurance agent actually handles a lot, of my family insurance so I just, went to approach him and ask him about it yah he was more than happy to give me plans


yah uh, uh angel do you ever think of doing investment, be business investment or like stocks


like it can be those like uh you, you buy and trade kind of stocks or deviance


actually I got consider to become a insurance agent, uh like, after talking to like my family insurance agent like actually considering it so what, what uh questions would I ask ah I think like first you must ask them like


what are you actually looking for, cause, some people think that this is what they want like example like, uh, actually you want life insurance but you go and take like uh, like, health like accident insurance that you say you want accident insurance in case anything happen to you but actually there is life insurance which give


uh, that is very important if especially if you are the breadwinner of your family cause it actually gives back money to, your family in case anything happens, yah so I'll think I will, ask them like , like what is it they want then from there I'll give them the choices of the insurance they actually uh are looking for and are eligible for


cause like many people, because there's actually a lot of insurance policy that I think many people don't really know and like, , uh especially new policy that comes out as well, so you must always like ask like, uh them to be specific about what they want so as to give them the best care that we can lah


uh you should keep them apart, cause like , your insurance should example for your whole entire monthly allowances or, like, pay that kind of thing like you should always keep like the money apart


because (ppc), investment sometimes if you do like stocks for trade and sell that kind of thing uh is a gamble so you gamble with like, your, your money that is supposed to go somewhere like your insurance like it'll be very risky


yah so I think like , you should never mix them like, your insurance should come first then like investments such as like business investment or whatnot should come after your insurance like when you have excess money


to me I don't count insurance as investment


actually what is term life insurance ah


term, term life insurance I think term life insurance is like those kind of like when there's a specific number of years


term life insurance, uh, but I heard like eh


so term life insurance but heard like term life insurance is actually more affordable than whole life insurance


however I think like uh there's a lot of term condition and condition when it comes to meet, like , because like the insurance are only perfect to you if you, you die like, because of specific, like because of some specific, so I think I also choose whole life insurance like although it's more expensive like I think like it will do better uh


uh for like, the people you actually leave behind me cause like you can't take cause like you can't take money with you when you die, uh


uh no I don't have investment linked policies ya like uh like I said before like to be like l'll keep investment and uh


uh I'll keep investment and insurance like, separated, and like uh, investment linked policies so like when you have your insurance like they it's likely to some like investment that you are doing


, yeah I agree ya I also don't think that CPF insurance coverage is enough because like, like to me from what I see in in like in real life is like


everyone is more or less entitled to like uh medisave uh medishield life this kind of thing, like by the government however like so many there are so many insurance insurance out there it seems so much business because like the whole the vast majority feels like actually like it's not enough like they need more insurance other than what the government is giving them


although like okay so I study in geological management study so like I do studies like policies about by elder care in singapore like how they actually benefit from all these CPF insurance and the kind of uh CPF insurance they need like CPF life this kind of thing


but then I feel like even though like it does largely subsidise their uh medical bills but is like, it's still not enough in a way like the government can only do so much and you also need to like do the extra step to like help you like benefit and gain the most if anything were to happen ya


I think for me like like I said like previously I think it's very important to know what exactly is you want so in uh the case of DIY I think like I'll list out like everything I want for my insurance


then after that I would like do some research on it then after that I will approach an insurance agent err to ask to like get better and clearer understanding like of the benefits that it have and like, uh what could be the risk factors as well ya so like


after I approach insurance agent then like I think like is I think like actually like buying a insurance is like a whole thought process and not just like oh I want insurance and then you get it, like I think it's not as simple as that I think like because you are like in a way you are putting your money somewhere like you really need to know what is it that you are getting out of it and what is it that you want and like cause like what you assume that you got right and then if the accident really happened