my amount and his amount together and sometimes I will like purchase things that, I forget that it's his amount then, ya I feel I feel really bad but I will pay pay him back the next month, but the thing is but the thing is okay if he if his


if he can what's the word, what's the word eh ya if he can manage his own finance it'll be better right he doesn't have to transfer to me but then I think uh, joint account is better cause the reason he wants to


uh what's that called, save is for us to go on like dates or like for the future, so that's why he makes me hold it, yes that I feel like it's really convenient, ya


and he doesn't and he doesn't have to like make me hold it and I have to calculate everything for him is so unfair you know it's really unfair , then how about you what do you think


no as in like the, the uh, what's that called the intention of opening a joint account is for us to like let's say you want to get engaged in the future and that money is what we use or like wherever you want to go, for dates you know


that that's the shared amount


oh no no, no no no okay it's true but then, I see but what I mean is like you have your own account and then to do things together you have another account


ya that's what I mean that will be better but if , one joint account is gonna be like really confusing and you gonna have a lot of arguments


okay maybe that one is for married couples ah cause you know like girls you know some girls think like your money is my money like that kind of thing


but then like imagine if the majority is from the guy then like it's not fair if is half-half right


but I think one joint account for everything I think it's better for married couples honestly, cause married couples they would have like kids right so the money have to be shared among the kids or like for groceries for the bills I think it's more fair if it's for married couples but like couples who are just like starting and dating I don't think they should have one account


, cause my dad is like the bread breadwinner of the family right so , and my mum will have like some money from her own business and everything but then my dad has to pay for most of the things and my mum also have to pay for the groceries so where does my mum get the money for the groceries is my dad


right ya so that's why I feel like a joint account is better but then they have to communicate properly ah like they must tell ya they must show like your transaction history what did I buy for like imagine if I'm a irresponsible like irresponsible wife right then I use the money to buy like some LV bags or whatever that's so unfair


maybe that at what age should a child be given an ATM card to manage their both their own bank account


if your child has a bank account share your experiences, and the details of your child's bank account, okay Fauzana you first


but I remember in secondary school we had like one friend that had like two hundred dollars per week , then she would have she would have like a her own bank ah bank card then I was like, !whoa! the thing she it was sec two how how old ah what's the age for sec two


for oh my ya, ya she she'd she would have like, two one hundred dollars on hand for a week, then she will have a bank account, ah, I don't know but ya but I think she spent it


she spent it out for like clothes food, but for us okay back then we only had like, two dollars four dollars per day right, oh fifty per month is ten dollar eh per month wait ya


, for fifty dollars I don't think we need a bank account, ya, but sixteen is what age sixteen is, , sec four is it ya sec four is probably where a lot of students would start working part-time right


so I think sixteen is a, a , it's a good age for them to open a bank account and give eh and given an ATM card cause they would put their money in the bank account and they won't have like a lot of cash on their hands you know would be better


ya yup, so like okay my my siblings are like, P six and when they have fifty dollar I tell you they just go eat mcdonald's, then they go and buy toys and if they have a an ATM card it will be like really stressful


for my parents, won't you think so like imagine they buy stuff online especially because of games right they will just they will just use the cards to buy games , oh my , like online games or like uh uh mobile games you know


to buy like skins whatever, ya I know you , how much do you spend, uh , and you had to use a card for that right


you you had to use a card for that right, but like if you are young you won't get that a lot of a lot of money right, but, but for kids who had have a lot of money back then


, I think an ATM card would be, okay for them I don't know it depends on their parents lah actually, like if you are strict parent don't give them an ATM card but if you are like a very lenient


but then they should learn, no no if they're still immature they won't, think of that


they still wanna have fun get it, but they're still young so they don't have like the maturity to think of like all these you know, so so when they when when they are tempted when they see their friends like get something like


for example okay maybe an iPhone ah iPhone, then they really really tried then they use okay ah what's that called you can loan money from a bank right then you got ATM card what if they use the ATM card to buy that, eh no I mean like no some I don't know I don't know what is it called but


is it credit card, like like oh ya still no, I cannot fake the age is it oh wait no what if they use what if they use their parents' ATM card ah


some, some people some people do that, they use their they give their parents give their ATM card to their child then is they can just use it whenever they want, that's if you are really rich lah


, you're a good daughter , okay let's move over to the next question, you you pick ah just now I've been picking


do have you taken a loan before, oh wait no but my friend when she's taking a degree she could loan from a bank ah no lah I feel like student loan ah that's really uh what's that


convenient, no but okay the the thing is degrees are expensive


part three negative experience


okay let me read the instructions, let me read the instructions


have a heart-to-heart chat, regarding your negative feelings with your conversational partner, don't they say avoid humour when sharing your negative experience so you must be sad


okay let's start with the first one what is your biggest pet peeve, let's pick one the biggest


what did she do what happened


my biggest pet peeve is when guys think that they have authority over our bodies, so for example one catcalling us, and blaming us catcalling us


so for example like let's say we are just worrying like, a shirt and jeans and they catcall us, and then I my also my pet peeve also when girls defend them, you know when this


yes it's yes when they say like, , or you if you don't want to be catcalled don't wear that


or like let's let's say , for example, err this person got molested, that then the guy then the guy blame her for wearing that, they say if you don't want a man to uh molest you don't wear that


but then is our own body you know we can wear whatever we want, but who who who they are to think that they can touch our bodies freely, there's no consent given, ya, that's my biggest pet peeve and I really really hate people who defend that


recently my friend got, , catcalled by by a group of men at work, at work, cause she was wearing like she was wearing jeans and then like can see you can see the butt uh shape of her butt the thing is she wore


she wore the largest size and it's not her fault that they, it's not her fault that she had a bigger bum you know, and then like her coworker her female coworker defended eh defended the guys and say if you don't want the guys to catcall you


why not ask for a bigger size why not change your pants but she wore the biggest size, then the thing is we have to tell them, we have to tell them meh


they have to know they have to know themselves, yes yes, and they shouldn't think that they have authority over our bodies


and then talk about something else, have you, been looked down upon by people in your life


oh if you don't mind sharing ah if you don't want it's okay we


doesn't mean that uh you're not good at that topic is, means that you're you should be looked down you know, know ya for me , I've been looked down by this particular person in secondary school if you remember


okay it was okay it , okay the topic is regarding uh what I wore, so one day , think we went out together to eat or something and then err she mocked me saying like !wah! you wearing #pasar malam# clothes


yes I have but that was really the worst experience ever, like by a friend, ya not not old flame


but that's what she said to me why are you wearing #pasar malam# clothes your whole clothes are like from #pasar malam# , I was wearing a normal t-shirt and like, just like leggings, wear slippers, and then she and then she wore like I think like shorts or like a tank top whatever


and then she look down on me cause she said her clothes are like branded or whatever but, to me it doesn't matter you know, I just, I mean like fashion right now you'll see people thrift shopping are they like from are they buying it for a ah higher price


she was so she's like saying that I have more money than you then I've been looked I've looked I've been looked down like that, ah I will I will never I will not forgive her for that ah really made me feel very insecure of myself because of that


ya she was ya she was my own best friend so really horrible, what else, oh ya she that time she went to my house with two other friends and then


that and shouldn't she told the two other friends that my house was dirty, and then she made a stereotype that malay houses are dirty, and she wanted the thing is she asked to go to my house you know


I don't understand that, like why is she saying that why is she disrespecting me and my and my like house, ya, oh because she saw like ants in my sugar, but it's normal you know ya


like sometimes in the sugar packets you would see ants also you know, it's normal, it's really normal I think she never go buy grocery or ever never see before, , okay next question, this


okay describe the embarrassing moments that make you cringe


oh mine is very bad, !hais!, but for me I think is like, oh, that was walking to school, and then, and then I fell down on the stairs


almost fell down and then the guy was like ho ho like you know like, , oh no no no not ho ho like, I think like he's like putting his arms like ready to catch me but I didn't fall down


but I didn't fall down so I so like he saw how I almost fell, , and ya I just walked away without saying thank you or whatever oh my god that makes me like cringe, can you imagine


oh my so sorry that happened


what are some injustices of the world that make you angry


about me (hmm) some injustice will be I think will be racism, , blatantly speaking racism, like in america blacks and whites, blacks are being oppressed by the whites and


the thing is I've there is white supremacy but, they don't believe it you know what what some white people like believe that, uh, there's no white supremacy, and, like the blacks are being,


like killed in the streets and there's no justice for them, and whenever like for example let's say ah, someone is in a possession of drugs a white and a black, same amount okay


the the white like let's say would just get a fine or whatever and then the blacks would have like, maybe a lifetime of jail that kind of thing, it's the same, it's the same amount same, crime but different


even treatment, you know that is just the that's makes that makes me so angry just because of the colour of their skin, they are being treated like this


then no that's because they're they are not educated enough to like find out more about that


exactly I just want


okay next question , oh okay train to Busan last scene you know when


yes when he sacrificed himself for I'm sorry I'm sorry , I'm but, I have to talk about it so , K okay I won't I won't spoil it okay you you start first I think of something else


no you didn't know what happenned


okay okay for for, !wow! demon slayer, demon slayer made me cry, cause everyone was against him everyone was against him and they didn't believe that, like his sister was a good demon


, and they all keep oppressing him, yes, yup that made me cry cause seeing him uh, uh get oppressed by his, people


yes I cried that, okay , yes I cried at that, how about you haven't even say, I cannot say three two suddenly you think something else, fifteen seconds


should I start first or you start first, okay go (mmhmm) you like to eat Samyang that's not relaxing


how is that relaxing


oh my god , you're in love with your food ah , true same


me okay first thing that I like to relax and unwind I like to watch like K drama or anime, cause I can like in a day I can watch like the whole season if like I watch a new one cause it's like relaxing you just like lie down on your bed and just watch like your mind is active just watch it and you're like


you feel like you are in that, in that universe you know , I think I just finished watching the, uh , slayer demon slayer is it, yup so


I took a whole day oh my god I took a whole day


ya but uh watching this type of things are really relaxing, ya other than that , I think I just like to play music or like watch watch my friends play music it's really relaxing


but oh sometimes it's stressful because err when they argue you know okay when you want to make arrangements and visit they will argue, you like this this this is not right this is not right like that type of thing like that's stressful lah but when you play for fun it's


really


, I see okay ah next question what are small things that make you smile, okay small things that make me smile are my cats cause one they are very smelly


they smell like tuna and , cat sand , it's really cute I don't know I just like second, it's I don't know I just likes smelling them cause they're smelly okay second is no okay second is just their faces is very stupid


their faces are so stupid and cute I I cannot I just love them and I like to disturb like I just like to hit their butt


oh that's that's my friend's cat , , ya that's my friend's cat that one is, ya that's my friend's cat, , ya he's so done his the cat's name is Shiro, what Shiro ya


but luckily the cat is okay ah but his previous cat died, so he's very sad ya previous cat was like twelve years damn sad, ya, what about you what are small things that make you smile


I see so it's when someone does things for you, without being said lah, oh, oh, (mmhmm), okay next , what do you love about life


supposed to be positive experience


that's what you love about life, okay, that's kind of sad but , , okay for me okay for me what I what I love, about life is just travelling and experience like nature and whatever's in the world like for example you travelled okay I travelled to


to, Ipoh east malaysia lah over there there's like uh, uh , what is Sungai in malay eh in english, what is Sungai in english , lake is it ya travelled to like lakes and I see, waterfalls and like a lot of animals I just really love


seeing that in the world, like if you are not born you won't see that, and I don't know in the afterlife I mean the afterlife not sure if you go hell or heaven but , you know at least just enjoy whatever's in the world right now, ya


and I really love like , you know people spending time with people I love, you know that's really something I treasure, like your family your friends, all the good memories we had together right Fauzana


, that is something I love about life , yes your favorite food okay, next oh you don't have a pet


eh you you pick you pick you pick you pick


yes


what what is I haven't I haven't I haven't watch it what's so fun about it, ya what's so fun about it


okay for mine oh my god I'm still thinking uh, [pe] wait I can't think oh give me a genre anime well don't don't


diss me but attack on titan , , ya I I haven't finish I mean like I finish already but I can't wait for the next season you know, and it's really interesting it's really interesting because it, oh !yay!


oh it's about history, it's, it's about like russian history and like european history and it's like it really uh messes up your brain a bit, cause a lot of backstab backstab and all that, it's really fun to watch


it's not about the titans it's about what's happening to them I cannot I don't want to spoil it for you but have you watch it oh


so you don't like watching like deep deep kind of things, I like oh I like I like like mystery okay another show will be K drama


okay I don't really like I don't really like graphic stuff I don't know, like horror ah, I don't like horror , you know that , but but you like horror what what's your favourite horror movie


english horror movies are bad


oh okay


you don't have a partner I cannot oh what are three things you have in common with your best friend or partner, off signs what's that, oh earth earth


I heard off , earth signs yes we are earth signs, or is it ambivert I don't know


no we are introverts cause we are already comfortable with each other, yup okay next one what are we what we have in common, , can't say that never mind that we each


I can't say that let me think of something else , we like to eat we like to eat, I want to eat Mala with you again,


yes eh no I I ah, I want Jazi to try ghost spicy, hello can you hear me hello !oi! you cutting off err you cutting off oh my god hi okay okay ah


your WIFI a bit laggy


you are lagging


yours I don't know if it's your, WIFI or my WIFI oh, we're having problems okay it's, probably mine,


that I don't know, should I should I err, connect and reconnect my WIFI, can I do that


can I connect ya okay okay I you okay already ya ya you okay already, ya ya oh my god okay I forgot what we are talking about but okay let's move over to the next question


!huh! okay you start first , cliff !wow! you cliff diving


you want to swim swim with the crocodiles


I didn't know you would do that, oh my god but have you tried roller coaster before


I went that time I go USS with my boyfriend right we went to cyclops oh my god that's the it was the first ride we went ah, I swear to god, three I went I went three sixty one I went to both,


no I went the cylon one it's the worst one, yup, it's the three sixty one oh my god so went up then like our legs were hanging then it's like lifted


it's like we had to go like, what's this word, uh three sixty ya ya I'd I, I tried, I tried that one also


do it oh my god then you want to swim with crocodile you haven't tried that


ya but if you try that it's really fun, dreams and goals !huh!, ah, I don't have one but


, I don't really have one but I think , I just want to get married that's all


ya just wanna get married then have kids, what's all nothing much, I want to be a good mother


I can't hear you it's lagging, it's lagging ah, ah I think it's my WIFI hold on ah


can you hear me now hello


say I wanna get married that's all , I wanna get married, that's all , that's my dream just wanna, have a start a family and ya


and live away from my parents I'm tired, ya that , that have, our own house, and and our own room


part three negative experience


what I dislike about our generation, I think, I dislike a lot what I dislike a lot about our generation people our age would be, the need for, validation like


validation and, people being afraid, because I think, for me when I mean, I'm part of this generation so I can of course relate to why those things are


very important in life like validation and, why people feel afraid but I hate it a lot or I dislike it a lot when it controls people and I feel like in our generation with Instagram and being with like the popular people and everything I feel that


people lose themselves in all of these and that's something that I don't, really like because you start to be copy you start to be cookie cutters of other people you start to meet other people standards instead of your own and you don't know you don't take time to know yourself you just take time to be popular be cool


so that validation I don't I don't like it if especially when it gets too much other than that I, don't really mind the end in terms of, what did I mention in terms of , they being afraid to take risks I feel that


that's something I also dislike, because it's not something that I dislike wholeheartedly but it's something that I feel if you want to grow as an individual especially at our age in our generation, it's important to take risks it's important to keep on trying new things because it makes life more interesting and I'm


I, fully encourage making life interesting especially when you're young because you have the energy and in a way you have the time, so if you don't do it now when will you do it that's my whole mentality but I'm not saying that it's not good to be afraid because being afraid just means your shows your boundaries and everything but when it starts to control you when it starts to paralyse you when you haven't even try it I think


ya that's something that I don't like because I see a lot with my generation, and ya how about you


you're perfect in everything ya


yup ya


I feel ya it's it's something that


in terms of like anything in general what are like some


I think it's very well-known which, my group of friends it's when, , ~ple start being very, self-absorbed and very selfish, as in for example


, it's not wrong to say you're going through hard times and it's not wrong to say that you're in pain right now but I don't like it when, that you know when, you kind of say that [orh] I'm in pain I can't help other people I have to keep on helping myself like


I feel like, it must reach a balance right, you are in pain you have you need time for yourself but you also must make sure that, you know, even if you're hurting other people are hurting and why not in a way hurt together help one another up instead of putting other people down so I really hate people who


you know they they become so self-absorbed in their pain and they start to project that hurt towards other people, their insecurities they start bullying people they start really being really mean to other people and they don't try to understand why that person is acting that way all they can think about is I'm right I don't want to listen to you


so that's one thing I really dislike it something that I really find annoying because I feel like , even though you are hurting and even though I am hurting you you know when you stop being in your head and you start to help other people you start taking that courage to help people and reach out


it's something that's very wonderful because it gives a platform for you to, meet to, make new friends you know to share your experiences to talk with people and I feel that no matter in life how rich you are or how, how successful you are I think at the end of the day personally and from talking to people that connection is always very important


that feeling of like being able to have intimate conversations with people getting to know more about them, in a, nice way not in keyboard warrior way or like stalking them but, ya that's, ya that self-absorption and I also really hate people who


are very, I would say strongly opinionated that's that annoys me a lot because, at the end of the day your opinions are your opinions my opinions are my opinions and like right now talking I know these are my opinions and it's not to force you to listen or is not to tell you that !hey! I'm right but it's just for me to share so when people start to be like I'm right stop it or they don't listen


that's when I get really annoyed so


sense of shame


like the carrier right ya


accusing the dad that he's all of, ~se okay understand


put them like middle person


so , besides all of that like what we've talked about, what is, I guess something that, you know you feel very , you don't feel good about yourself when something happen


like, you feel like whatever you do you just feel like it's not good enough was there any time like that


felt really ya


part two positive experience, , so sovira I, you remember how I told you that


I feel like we all have our own stories and, like for you you know more about me compared to maybe some of our other group of friends, ya so


what are three things in life that you feel really happy or grateful for, because I think I told you that connecting and having that heart-to-heart conversation I had with you the other day was really nice so what are what is it for you


the three things you're most like grateful or happy for in your life


struggles


because I think in this stage of, ~ere I am right now I, have a lot of things to be grateful about, but I guess the top three would be , my relationship with myself


you know because , I think, my personality causes a lot of misunderstanding with people because , people may see me as an extrovert like very bubbly and very cheerful but, what people don't know is that I actually like you I prefer to have my own small circle of friends


and, this so-called the misunderstandings besides being all that bubbly and cheerful, there were also other misunderstandings, which actually affected me a lot, but now I've kind of reached that point where


I don't really I don't, to be honest I don't care anymore about what people think about me, because as long as I know who I am and as long as I stay true to my morals and my own values I've, I've, ya I'll be okay so that relationship I have with myself that self-love and that ability to connect with people is something that I appreciate so that also leads me to my second point which is my relationship with people


I've, met a lot of people over my years of travel and, in Singapore also like some people were kind some people weren't that kind, but now, overall in general my relationship with people has improved a lot and it's something


that I'm, very grateful for because I have people that, , I can be myself with and they accept me for myself instead of going I thought you were like this or I thought you were like that so that in itself is something , ya that expectations are no longer there in a way


and the the people I, have currently in my life are my classmates to my inner circle they're all very supportive and, , ya that's something I'm grateful about and, thirdly I guess, I think I'm just grateful to be where I am right now


because I was in a dark place about few years ago and, it took a lot for me to come out of it and, ~ight now being able to be out of it and being able to communicate with people connect with people again something that I appreciate a lot


, uh genuinely and just being able to be myself, in this present moment is something like I really appreciate because , nowadays as cheesy as it may seem I realised that, only now exists you can't turn back time so all you can do is have fun now


cry now laugh now and then, take all the risks you I want and, ya that's something I that's uh that are three top things I appreciate in my life right now


oh I think, , not a lot of people know this but actually I'm a JC dropout, so I'm actually from junior college and I dropped out of it to pursue my passion and to pursue my dreams which is


now also , be to be in my course and everything because in JC I was in a very toxic environment the, people I was with I found myself to be very toxic personally for me so I'm happy to be able to, be where I am ah because that sacrifice that moment when I told my mum and my dad I'm dropping out I don't care about whatever you say I'm dropping out I'm going to pursue my dreams and my passion


that was the moment that I had all of this so the people I have in my life right now my classmates the people who love me for me, ya that, that's one of the biggest sacrifice I've ever made for myself and, maybe even for my parents for my family members and


it's also something that when I, look back every single time every single day when I wake up I feel really happy and it puts a smile on my face because, to be very frank, this the sacrifice I made even though it hurts me and whatever I went through hurts me, it actually


makes me happy to be who I am and it, makes me feel very grateful, again so, ya that's something I'm very proud of actually dropping out of JC


I don't really recall which JC but ya so, ya that's for me how about you what is the most proud moment for you


because I I I kind of relate to you on that about how, , that validation or having a lot of friends is like, so-called important because people won't make will make their assumptions about you but again like I said I've reached that


point where I don't care anymore, because , if I keep on caring about what other people think about me I'll never be happy, so ya , talking about friends what are you know what some things about


you know uh what are some things about people about your own friend like your best friend or whoever that you admire a lot, in them, ya like their traits or whatsoever


I I personally feel like I should you should tell her because I think it'll make her really, happy for me I think, in general some things about, uh one trait in general over all my group of friends found in all my friends would be


that they , there is this thing about all my group of friends where, they are very, loving and very nurturing, and I'm not saying it as like a matter of cliche or what but I'm


I mean it when I say that , they all have their own struggles and there is this thing about them where, if I come out to them and I, speak to them about something personal or something that makes me really uncomfortable they're, there to just listen to me and provide me that emotional support and vice versa


and it's it's something that I find really admirable in them because I feel like when, someone is nurturing and loving and kind all these good traits about them come forward also being brave being able to, be self-validated and not care about other people's opinion and it's all


~ry evident in my group of friends where, they are able to they care, they care about people's opinion but it doesn't control them and being with this type of people I feel it's very, nice because it makes you be yourself and it makes you appreciate who you are


and when I, talk about this I'm actually reminded about one of my friend who during my downtime or when I got really angry about people and their misunderstandings he will always say to me, don't care about what other people say you're you you're a really good person and just continue being you and I think when you have that support system and when you have people who is full of love and kindness


I think that's really like a jackpot you know that's really important that, those are people you have to keep in your life and I think I'm blessed to have that and ya, that's one thing I really admire about them their love and their support


part one finance, okay


part one finance, uh for


talking about investments is it compound interest, personally I'm not quite, sure about it but, on about saving up, it's mostly uh


what I know is that, uh I save , little amount I mean, if , slowly I save about like, a few amount of money in my bank for every pocket money I receive for


polytechnics uh weekly pocket money lah ya uh so I'm not so, I'm not quite sure about compound interest and like the investments or, ya [orh] [orh] same


for me cause currently I only have, uh one, bank account which is the joint account so, how do I use it ah is basically I, how to say I, cause right now I'm


uh doing part time work so all my salary ya all my salary I put it inside that account and then since it's a joint account meaning that only, when I want if I want to take out money from there I have to


be with my mum at the bank account, to withdraw the money, so I cannot, ya I cannot be by myself like go to the bank account and just, by myself ask, for to withdraw a certain amount of money ya I can't do that so


, so right now if I want to withdraw money and, I would usually just ask, my parents and then they will come out, with their, own money from their bank account first and pass me the money


then they will take out the money from my joint account , it's like a longer process ya, it's a longer process ya they they I've , I've been a few I mean , a few times I've been asking my parents like uh why can't I have my own account right now you know cause like


ya some people I see , you can save up more and then like you like less restrictions and some more I'm entering twenty years old, and ya you know so like a few


personally I feel it's like a hassle a bit, but, I understand from their, from a parent's perspective why they do it like that lah, ya


that's true , okay, to be honest actually right now I'm saving up, the reason why I'm working part-time is because I want to, uh buy, myself my own


camera which I always wanted since I was young and, ya it's very very expensive you know those type of cameras that you vlog with, cause, because personally I like taking videos whenever I go abroad with my family I always use my phone to


record like small small moments but the thing is that my phone only has certain amount of memory and, I get frustrated and like you know the content that I want the feeling that I want to capture is not there so


ya so right now like uh I, I told my parents beforehand that like the reason why I want to work right now is other than, other than , planning to buy that camera is also because I want to save up lah, ya I want to save up more money so


for you if you want to buy that camera, that costs hundred seventy dollars right I suggest, first you, as what people would always say like save up first


you don't have okay if you, if you have the time you can work, but if you don't have the time, you slowly for example, during the during school days, usually I don't I don't know about you but for my family my parents would give us give me about a certain amount of money for a week


and I would set aside like in mentally in my mind I set aside ten dollars, for putting in my bank like piggy bank not the bank account just piggy bank, ya so like and some more sometimes


when I spend on my food I would, like I wouldn't I I would not, how to say when I open my wallet right sometimes I can miss , accidentally spend the ten dollars that I want to save you know so I would usually put I keep one ten dollars inside another compartment of my wallet so like I cannot really find it it's not easy for me to like find it you know


ya then, but then, ya but then sometimes in emergencies for example I have to top up my EZ link card, and then uh, I have to use the ten dollars, so you have to keep in mind for those days lah you have to


usually that's what I write in my calendar like cause I'm using concession pass MRT, so I would usually uh, jot down the expiry date of that one month so I remind myself that that, that, that week's ten dollars will be gone


it will not be in my savings uh piggy bank lah, ya so ya, so Shirley you you use your how how to say, you calculate using a calculator like imagine ten dollars a week you save up


how much would that uh accumulate to ya slowly ya ya ya correct ya ya what it (uh huh)


(mmhmm) so, stash ya


or the urge to buy bubble tea , ya


uh no , uh cause I'm not into uh, personally I don't really like like, those financial talks you know it gets very mathematical and very like you need to like , even during like mathematics lessons they will they will be talking about compound interest simple interest I'm just there like okay I don't understand okay let me just solve this question those type


ya but, ya for for my family it's , how to say uh my mum will, be talking about it about the finance how to take care but, is like uh, both my dad and my mum will be


my dad my mum makes most of the talking my dad just listens and like he's the quiet type you know he just like if he needs to interject he will just interject, ya those type, and then , like some what are some uh like finance uh


I don't know like lessons or like pointers you got from your mum cause, I got a few very interesting ones I can share also, (mmhmm) [orh] [orh] ya understand ya ya ya I realised for


for me even though I've have I haven't reached that age yet, to uh, uh basically uh the age that my parents consent me to have a, credit card or, debit card or NETS right they they since like I think secondary school they've been my mum especially has been telling me and not me just me my siblings all that


she, she prefers NETS you know the NETS card, instead of Visa Mastercard or credit card any credit card she then I for I was curious I was like uh why NETS like what is the difference I really see people just tapping tapping instead all those right then interestingly my


my mum told me actually right, NETS, the way the way it processes, your money is that it will be deducted, straightaway from your bank account, ya is like, instantly so like on the day of the purchase it will just deduct straight from your account


~as ya whereas credit card right it will, it will note how to say ah it will, deduct from your bank account but it will update you on your account a few days later like within working days so


basically what she what my mum's trying to say is that it's better to know exactly how much you have left in your account after spendings straightaway, instead of waiting for a few days to realise that you have this much money left, you know so it's like it's like a


instant remind how to say instant alert once you spend using NETS like you have this much account this much money, credit card will only take like a few days later then, my mum say that's not that's not a good idea because you know how those uh advertisements like you know they say


, uh try it now buy later, those I mean in Suria channel they will always say those like, in the gold gold necklace all oh try it now you can buy it later those type of scheme my mum didn't really my parents didn't really like so it's like


it's very dangerous lah you can fall in the trap where you can without realising you spend more than what you have in your account, ya ah ya


ya it's almost the same, same ya that's true


prefers credit right, yas yes uh


other than that, not , oh yes one more thing, you know how, uh as uh every year for #hari raya# the I mean ya #hari raya# right there'll be, certain amount of money will be given to us depending on like how much money they give uh my mum always say before you spend set aside


half first, half of your account half of your money to save up, ya, before before spending anything ya, on the phone uh


twenty minutes forty seconds stop


time's up , part three negative experiences, okay uh eh , let's start with


do you what do you think about, the, what do you dislike about our generation


ya understand ya, for me I would add talk, since you were talking about uh validation I totally agree with that because , how do I say is like nowadays uh


uh teenagers our age we just wanna, want people to how to say look at us in a positive light you know and that, they always portray that they have this, perfect, image you know they want to fill up this perfect image of themselves like they they they don't have any bad traits and all but the thing is no one's perfect


so, why why should we, uh, put that image, and then make people, feel so stressed about themselves just because, their they don't fit that, title they don't fit that standard you know


and then talking, I just remembered uh this one how to say phrase is it ya, or is it a sentence ya from a, korean drama basically cause I watch a lot of K-dramas ya so like this particular K-drama is talking about


basically mental health talking about like those, ya, mental health lah so there was one, one part in the drama where they said , if you keep trying to satisfy other people


then what do you have left for yourself you would have left you have would you would have nothing for yourself you keep trying and trying , to satisfy other people to to trying to make them feel happy , proud of you then you'll get very drained out you wouldn't have anything for yourself for


for you to be happy , like how to say uh, very very happy for yourself, ya ya so this type of , things is like


what makes me kind of like sad for our generation then secondly I would say , I really dislike people, who have, like keyboard warriors, I just don't like


I mean I think a lot of people also don't like but I just don't, understand I , I think I would understand but I just don't get it why , they would be, so


how to say trying to push trying to force that person to fit a certain standard like, like, how to say like look at yourself the keyboard warrior themselves do you really think you would do that also


ya I, especially now since of the uh, especially Twitter, especially the social media platforms that really I would say become more toxic nowadays that's why for myself I I always tend to


think twice whether I want to download that social media app, ya and nowadays you know how those trendy videos and like those dance moves and all of course it's very fun of course it's very inspiring it was it's also very motivational at times but there's always that


how to say, there's always that hidden thing that is like not, seen you know that they would how to say , ya it's just that you haven't, ya you haven't discovered it yet but, you will discover once you download that app or something like that that's ya that's what is dangerous of


these social media platforms I think that's why I'm very cautious


what can I see the most what would I , I can't really think of one , maybe cause I'm always like, ah okay is it it annoys me but it's not like annoys me the most you know


(hmm), I can't really think of one maybe you want to share first what's yours


I think , I, basically I don't have the most like, biggest pet peeve I just have like a few here and there what annoys me you know like, for one I can I can remember is that I think


, I just dislike how, like when you are in public right and you, you see uh parents uh


ya parents speaking very roughly to their children, I get very very sad, I get very very annoyed also especially if their children is like, very , small very


gullible very innocent, I mean I understand when you want to scold the child because maybe he did very he did something very dangerous okay, the maybe, maybe because the child did something dangerous that's why on the at the point it


at at, at the point of time is it, at that point itself ya at the point itself I think that's why the parents scold the child like very roughly but if it's something not like life-threatening


then you should like how to say, don't like, you can scold the child but not too in front of the public you know cause the child might face this very , ya sense of shame very embarrassing moment you know and I feel very like


like I want to help that child like like maybe push the uh, maybe bring that child to a more quiet, corner maybe not that crowded you know and like, scold not scold maybe talk firmly to the child like that


I ya, and then , because I've seen some especially this one particular incident, that I saw, uh when I was going back home from I was go ya from school ya I was going back home from school


, this parent she was , she was carrying a child a toddler, I think a baby ya in the you know the mother back, the, I don't know what you call that lah and then, ya the baby back I don't know


with the strap, and then there she was also, there were also two younger children children around her I think around kindergarten age, in ya in the, in the kindergarten age and then


suddenly like, I was apparently I was listening to my earphone but I think, uh, my music was not, too loud or something I could hear what she was saying, and then she was just talking about how she was annoyed with the husband and all


but the thing was it was very sad for me because the way she was, speaking about her husband to the children that means the children's father right was very rough was like, she's trying to say that, the husband is like this like this like this like


like like how to say, uh point, ya ya, in front of the children and in in a very rough manner then I feel sad because the children are so innocent and then like


uh, you shouldn't like , you know bring it up to your children right you should talk talk it out to your husband, uh yourself ya and then, the children's just there being very gullible and like listening to what the mother has is saying then she was


like very angry or something then the move the the actions she did the, the the, the movements she did was like very rough so I was like very scared for the baby she was carrying you know I was just like should I help or should uh I shouldn't help right because she's very tense you know so I was like okay that's very sad that was one


part that really, I would say annoys me because these these private things right you should not ever bring it up to your children something personal about like a disagreement you have with your partner or your sibling or your family member you should talk it out personally by yourself


to that person ya, don't don't don't talk to other people then don't how to say don't talk to other people instead, uh, speaking to the person itself


sorry my mum


for me I have the countless of times especially since I'm in a, engineering course and like you know there's a standard right I wouldn't say a standard but there's like a, expectation when you're in an engineering course


you know you have to, , if you have to do your best, to get to uh, like what's the main reason why you are entering engineering course you know those type of expectation like since you're in, since you're in an engineering course you should be very very good in mathematics and stuff like that coding and all right so there were like there were a few times countless of times especially since I'm


a, girl in an engineering course, so there was one time when , uh expect uh, we were tasked to do a an assignment for coding , and it was and this coding involved uh us to


uh, make a prototype of a it's just, coding statements lah in a software we're supposed to type out like the procedures uh, of a, of a vending machine for example like a food vending machine so is like if you enter one fifty cent coin


uh this certain , LED light will light up or like you know, the, ya basically what a vending machine does lah it's just that there's no product coming out of like the vending machine you know, so I'm already uh


for me it's already like I could sense it's going to be a very hard task you know because I personally I don't really like coding, but it's an engineering course so you have to try your best, you have to , you know ya


you have to at least , uh, put in your best effort to come up with a a, near there you know the product is like, near there you know how to explain ah and then ,


uh and then, there were some of my friends who were who were already who already completed the project and could make it work, whereas, I was struggling very badly with it I was sleep, I was having sleepless nights


you know uh trying to figure out how to, uh make it work, because every line of code if you change one word everything else changes, is that type of like, uh pressure


is that type of pressure you know then if, if you don't know which code you change, that made the, mistake you have to read every line, by line to understand, to find out which code


is the mistake lah so, , that was very hard for me and then I was a bit disappointed in myself also because like uh, uh for the past few modules I thought I could


, do I could, be there you know at at at a standard, a certain standard but for this codings assignment I was just , was just too hard so I just like


I took a breather ya, and then I I told myself is this is this something that is like will, uh worth it for you to uh, put your health at risk you know you having sleepless nights uh uh not eating much and then like


uh too much stress is it worth it, I ask myself lah, then I realised not really


part, positive experience


ah ah ya


the three most, grateful ah okay uh !wow! uh, number one is definitely I would say uh, the relationship


that, my parents have, because uh, I would not dive into it too deep, but there were uh there's like a, a few situations uh I wouldn't say situations but like


, the relationships between my other family not family members my other , distant family relatives or something like that, I can see the difference of


what it really means to have a strong, uh, how to say strong relationship as wife and husband is like, I I know I'm like maybe too young to think about it , about marriage and all but it's like


right now in the age especially when we are eighteen we are more like, you know our mood our hormones become more, aware and more, uh, we face more ups and downs and all right, so like


at this age I can really like realise and, you know , see a whole new perspective of, , uh what it really means ah of certain things, that uh


certain things that, really made me very grateful in life lah, other than that, uh secondly would be, uh, I think my friendships because


, even though I'm an, even though I'm an introvert right and , you know being an introvert sometimes you feel like you just want to be a little bit of an extrovert


a little bit like you want to, you you get, envious of other people with a more extrovert personality having more friendships and more friends and more


bond that bond strength you know, but sometimes I realised not all, quality over quantity basically, ya so I means not still in this day and age I still like


feel those feelings but, I come to realise like, every person has their own , how to say their own,


struggle or benefit how you say that I don't know how to say it like their own, is that thing just made for them it may it might not fit us like that, ya uh the third one, the third one I would say


I'm grateful, to still have a a how should I say ah, I'm I'm gratefuls to still have my grandparents


still alive ya ya , cause ya, ya uh, at least like ya okay ya I cannot dive in too deep [orh] ya , okay what about you


their expectations


almost almost the same ya, the relationships we have around us, all okay uh, (hmm) this one quite interesting this question I would try what are the sacrifices


okay what is one sacrifice, you made that is like, brought you the uh brought you a very


oh just curious which JC did you drop out from


I would say , from uh my most, the most , biggest biggest positive impact in uh in my life


the sacrifice I made was uh removing myself from a toxic friendship, ya very very toxic friendship, so it's like, and it was uh, it was during one of the toughest moments in secondary school which is during O'level period


so, it's already a very stressful, period right so the, toxic, friendship made it more, uh added more frustration and stress and a lot of doubt doubt I started doubting myself a lot during those year that year sorry that year ya so


it the the, friendship was, like , it was already how to say from outside, from a outsider's perspective we just our friendship was just like normal like friends in a very very encouraging to each other and all


but is but, from my perspective from an insider's point insider's perspective, it was you can sense like, the backstabbing the , the the how to say how to say how


uh low-key low-key , low-key insults you know, how do I say ya those type of, , sit uh environment was very stressful for me so


when people started seeing me being a, being more distant to, my friend they started asking, me and I, honestly I I don't like talking bad about


people because is like who am I to talk bad about them when I I also have problems of myself that, maybe I don't even know you know I don't even know that I have this type of problems but who am I to who am I to talk bad about other people so when they asked why I distance myself I just said


oh uh, I wasn't really comfortable or I just needed a time out, cause , the exams I I I put the reason uh to the exams my, O'level exam I just said oh I just needed some time to myself to figure out things because exams are like adding more stress and stuff so


after after , removing myself, of course lah after removing myself the consequences is that you will start eating alone but then right this eating alone spending time like during recess just at your table


and then okay , ya lah just enjoying your own self-time but honestly these little moments that you spend with yourself actually sorry spend with myself actually made me realised a lot of things like


I should have seen it I should have, , I should have uh how to say, I should have, been more aware of, the kind of treatments, my friend did to me you know


I ya because you know how, in school nowadays when you have friends, uh no when you have when you don't have friends near you people will think you are just like , your your attitude is just bad or you're just not good at mixing around or you just


I don't know people just don't like the way you are but sometimes, some of us just needs, uh just like, to have time for ourselves you know, just, like I how to say, I respect some people who like to eat alone like they don't mind what other people say you know they just when people say eh uh why yous eating alone they're like it's okay it's okay what I feel okay I don't feel like I don't feel any like


baggage you know like I have to eat with people, you know, ya I respect those people lah ya so that's one of my sacrifices that I, I'm most grateful I made lah


correct


that I , really admire, recently actually is just I I never knew I would found such a friend in my life when I entered polytechnic and this friend of mine she


how to say surprisingly I don't I she's she's not in my course subject classes or she's not in any of my module classes she's just from my CCA, and and, moreover our in my CCA


uh her, uh she and I are the only, uh two, muslim, malay muslim uh, uh rock climbers ya rock climbers basically ya we are the only two malay muslim rock climbers


over there that like, uh that are females lah that are females ya so, when I, uh, what I admire, her most


that she's, her level of, how do I say her level of self discipline was like, very was like, something I wanted you know like, I wanted to have in myself but you know


because of circumstances I just cannot reach there yet, so like she motivated me she motivates me a lot she also, like, the action she the things she do also makes me think about


how I want to improve in my life you know, even though I've never told her that she is someone I look up to, because I don't know, maybe not the time yet I don't know but personally to me she's someone I would definitely look up to because


ya of all her character traits lah, ya what about you


we really need those type of people in our life cause like you know, life is already hard it by itself like we are, it's, struggles are inevitable it's going to be there we just need this type of people to lift up our moods you know just make


how to say make life looks more interesting and fun, twenty minutes twenty two seconds okay


finance uh for now I've I haven't given I haven't really given a thought for investing but


uh what, I do is, I I, I actually save up money on my part by uh okay what I do is actually I have another bank account which I use for uh which the the sole purpose of it is just


to keep my savings in there, because I don't have any , any saving plans or, anything, I don't invest in anything also so, err ya what I do is just I just save my money I put uh maybe I'll take out about twenty thirty percent of my monthly allowance or whatever I get and I will keep it in the other bank account


and so ya that's how I save money, what about you


okay uh I feel like in general I've been spending too much money, uh, ya uh one thing one bad habit I have is I don't really keep track of money so ya uh I will just keep on spending and I feel that that's a very bad habit of mine but recently I've been uh like


trying to get control of it so , uh, I I like what I said just now I put aside cash I mean I put aside some money in the other bank account which I don't use, and, also uh I will like limit myself to a certain amount of money


uh per week or a month a month, uh per month so that I don't overspend, and whatever balance I have I would ah it's a bonus lah because if it's a uh balance then I'll just use it for the next month


but I feel like uh what I've been spending on too much would be on food and other uh unnecessary stuffs lah cause I think I like, uh to do online shopping which is a very bad thing I guess because it really consume your money at a very fast rate


ya, ya I think that's about it what about you,


ya definitely I think I agree on the uh spending unnecessary but and ya uh I I I also do earn some money from my poly internship when ya I have been wasting it on, unnecessary stuffs so ya I do agree with you on that part


so ya, uh okay so Hadi uh what advice would you give to someone to get him or her out of debt


ya I feel like what what you stated is, like mainly the points I would use like firstly I would I'd be as supporting as possible because uh instead of pressuring them they need uh they need a a pillar of support so I'll be available


to him and I will just, try to talk to him and get to know his problems and like what what is his main source of problem that is that is causing this problem lah basically what is the source that's causing this problem, so ya I'll get to know that then uh I would


I'll definitely not give him my money to solve his debt issues as that won't be helping him in ya it might be helping him the short run but in the long run it's just going to because this behaviour is just going to repeat so ya I would suggest to him that he seek uh


professional help from, uh from people who are actually like uh people who are actually like known to like uh help, people to get out of debt and ya I would also suggest some financial plans or whatever plans that are available to help someone to get out of his debt


, but ya uh I feel like uh he has to acknowledge that he has this problem as if he doesn't it it would it doesn't solve it it doesn't solve the problem lah if it if it uh if he if he's not aware that he has a problem


with debt like always continuously getting into debts ya that's about it


I feel that depends on an individual because uh not everyone would require a financial advisor eh K personally lah I feel like uh an individual who requires a financial advisor is one who, who earns uh, a lot of money like probably a businessman


probably a businessman would require a financial advisor as, his income his monthly income would definitely be more than the average singaporean family so I feel like uh hiring a, financial advisor is uh is appropriate


for him but for an average singaporean family I feel like hiring an, financial advisor is not really a, must but if you would want to and uh, hire one I feel like that's up to the individual


what about you


ya I definitely agree with you on that, ya so uh, okay so how did


okay so where were we, uh , okay how do you manage your, cash flow okay so


firstly uh it depends on how much allowance I get, for that month K for example I'm a student so ya I'm still living under my parents so I still do get allowance from them so okay for example if I do get, probably about uh okay if I do if I get like four hundred dollars a month for example uh firstly I will lay out like what are my necessities for example I would say


uh transport allowance, okay uh I'll probably purchase a concession so that will be about fifty dollars down so I'll put aside that fifty dollars cause I feel like that's important your transport allowance as my school is pretty far from my home, K, uh apart from my transport allowance I would actually I would also


like estimate an uh estimate approximately how much I will need for meal allowance in school, then I will minus that and from the remainder I'll take maybe half or maybe close to half and I'll use it I'll save it I'll put it in my savings account like what I said just now and the remainder is for me to spend and I feel like that's how I allocate my


my cash flow ah because if I don't do that, like, uh like I've said just now I have a tendency to overspend, so if I don't plan ahead, I don't like separate the money or like ya then I will just spend it all and, that will be a big issue for me in the future so ya that's how I go about it on a monthly basis


uh, I feel that's a good question and I feel that, owning a credit card is up to individuals because


uh I feel like you should only own a credit card if you feel like you can afford it, like, uh what I mean is what I'm what I meant by that is, uh, I mean yes having a credit card is very convenient as, uh, you can get anything by just a swipe or tap of card


so it's a it's a privilege actually so ya I feel like it's a it's very convenient also but the problem is when when it comes to paying, paying back what you owe including the interest rate and I feel like some credit cards uh their interest uh it will just uh if someone doesn't have control over it your


you will just they will just accumulate and that's where people have problems uh pay for what they owe so I feel like you should only own a credit card, if you really can afford it, and if you need it there's up that's what I think what about you


ya definitely I agree with you on that too, okay , okay moving on K what advice will you give to someone in order to retire comfortably, like sorry (ppc) okay uh


okay uh I feel uh I agree with what you said just now that that you should start early instead of starting late and you shouldn't and what I feel is you shouldn't rely on a CPF , because uh there's a certain amount, there's a certain amount where you can withdraw a month so I


feel like you shouldn't rely on that and that you should start saving early, , uh another advice I would give is I think maybe you should look into investments like for example I have a family member who invest in property


so ya he owns a number of properties and, basically he's just collecting rents for it and he just living on, based off that and I feel like that's a very good way to retire comfortably as he's actually making a huge like he's actually getting a huge amount of money per month and he doesn't have to work


and, and that's that that reduces the burden on the children too like they don't really have to support their parents, and like you said you shouldn't really rely on people but instead like take early actions to support yourself for the future


okay ya (ppc) sorry


twenty twenty seven twenty thirty sorry


part two positive experience


uh okay so Hadi K the first question says K what were some of your memorable moments from your younger days what do you recall of that


okay I feel like there were a lot of memorable moments from my younger days, uh I just feel like, during our younger days it was pretty enjoyable as we were very innocent and very carefree so like, we tend to enjoy everything so it's pretty hard to pick certain moment but


uh I would say one of, my memorable moments were, was when I was accepted into the secondary school of my own choice like what you said just now I feel like uh that was, uh, uh ya it it just felt like my heart would beat off and


I, really wanted it and ya and I felt like it was really a memorable moment, okay and, other memorable moments were probably, uh spending time with my family actually like having family outings with my cousins


cause they were around my age so ya we usually spend our time cycling around east coast park, have picnics or swimming at the beach and I feel like, those were very memorable moments as we don't usually do it that often now as everybody is busy


either with work school or they're enlisted in in a in NS so we don't usually we don't really spend that much time now so, ya I feel like those were really memorable moments


okay I, I feel like for now my goal would be, uh since K since I'm in this course called uh nautical studies my goal would be to achieve my the highest rank which is, the captaincy rank so as for now that that is my


goal in life I feel like uh because uh, for every seafarer uh every junior officer you obviously, uh dream for the highest and being a captain is


the highest possible, role for you so ya I feel like that is one of my goals in life and, I would also, want a happy life, like what I mean by that is uh I would like to


give back to my parents for what they've given me so ya another goal in my life would be, to support them and return, the favour like what I mean by that is like whatever they've done for me over these past twenty years


I would like to return the favour and like help them out and, ensure that they enjoy, their life without having to worry about anything, and ya that's about it lah


okay I feel like eh sorry just to add on uh another goal would be obviously for ah obviously to settle down, uh have a family, have children in the future, and ya I feel like that's that is also an important goal


as you should work to that, and, try and hope that you live comfortably in the future without any problems or anything lah, feel like that is also like a goal


!hah! favourite childhood food or snack okay , I have so much that I can't really recall but, okay like recently I came across this post on, uh Facebook actually I was scrolling through Facebook and I saw last time uh K there there used to be this snack called uh you know the mashed potatoes from seven eleven


they used to ya they used to have ya that one dollar or one fifty I can't remember they used to have this, uh machine, dispensing the mashed potatoes I feel like that was one of my, favourite childhood snack because uh


I still remember during primary school I had uh there was a seven eleven outlet opposite my school so I would definitely, drop by seven eleven to get the mashed potatoes without fail almost every single day, err, I I really loved it lah and I remember they had this uh like


bundle promotion or something it comes with the slurpee or is either the slurpee or the big gulp together with the mashed potatoes and I felt that, ya that that was those, those were the days lah, ya and ya I think that's


that's one of my


actually actually another another one of my favourite childhood food or K I won't actually consider this a food or snack, but it's actually more, towards, like it's it's actually a drink, , uh I'm not sure if you remember but uh when we were younger


uh there was this drink called, uh anything whatever it's a soft drink eh ya it's the canned drink ya I feel like that was really interesting as you you don't even know what that, what are it contents you know so it's like a bet and ya I I usually get that from the Mama shop the convenience shop uh opposite my school also so ya I used to buy that often


uh if I'm not mistaken anything would be any carbonated anything would be any uh non carbonated and whatever would be any carbonated drink so it is very randomised man I still don't know up to this day I I I got pissed off because I kept on getting, uh


ah because I usually got the non-carbonated one and I kept on getting chrysanthemum tea, ya and I didn't really like chrysanthemum tea but, because of that, uh because I kept on getting it I actually grew fond of it until this day I actually love chrysanthemum and each time I drink chrysanthemum tea I get reminded of


that canned drink so, ya I feel like that was , one of my my favorite drink from my childhood


okay uh what do I like about life, feel like there are many answers to this but, K one that I can, think of would be, uh life is full of surprises lah basically uh


you should expect the unexpected, and , uh it's not predefined for you so it's like, uh what I meant by that is , that you won't be living that life, you can always do something to change the life like for example


if you were born in if you were born into poverty doesn't mean, that you're going to live in poverty till the day you die, but actually, you could actually work towards success, so I feel like


that's one thing good about life that uh, it's just full of surprises lah basically and we should make full use of it, ya what about you what do you think


ya I do agree with that ya I mean ya giving back to the society uh I feel like that's an important part of life too as, you're just not you are you are I feel like you should help out, other people if you're


uh doing you're from a well-off family or you're doing well, like even if it's a small amount I feel like, it should be done lah as it would that small amount would actually do a great impact on the family who who needs it


okay so ya, K moving on K what what was your best birthday present


uh mesh tags ya ya I used to collect that a lot, and ya uh ya that, ya that was one of my childhood memories lah basically okay moving on anyways, ah okay best birthday present, I would say the best birthday present I got was


uh, uh I uh, I don't know if you know you still remember but there was this thing called the wave board, ya, uh every I think it if I'm not mistaken it was during the my uh primary school days uh it was a huge thing lah


and I've always wanted it, but, my parents always say that they won't they will never going to get it for me but, uh actually they were just trying to surprise me for my birthday actually so ya on my birthday I actually got it and ya I actually used it a lot


a lot way too much actually I got like uh I actually suffered a a lot of injuries from that but, ya it was very memorable and, I actually do still have it to this day, although I don't use it anymore but, I kept it just


to remind myself of those those days lah basically, actually really did enjoy it


comfort food okay I would say, I know it's very generic but I would go to McDonald's, uh I feel like, McDonald's brings brings back a lot of memories ah because, I, I was a frequent McDonald's person


I would go I will actually go to McDonald's maybe, three to four times a day, back when I was younger eh three to four times a week I'm sorry a day there's too much ah ya uh three to four times a week, because uh and also like uh I had


McDonald's opposite my primary school and there was a mcdonald's outlet nearby my secondary school too so , ya I feel like McDonald's is always going to be a comfort food for me as, uh I spent, a lot of time there, and


it it just brings back so much memories you know, like uh, up till this day I still love the filet O fish, that was my favourite burger since I was seven years old, so ya I would that's my definitely go to burger and


it's definitely a comfort food lah


ya I kind of agree with you although not a huge fan of fried rice, but I would say another comfort food to be home food basically home-cooked food, uh ya they never, fail to cheer me up too it's like


basically you grew up with that food so it always will be comfort food for me lah, and ya I actually, ya I feel like home food is also lah, a good comfort food ya


finance okay uh, Zamir how I would like to ask you about how do you invest your money to accumulate wealth or planning for your retirement


I see as as for me I will look into the various uh plans available in singapore for example I can look, at the top up CPF retirement fund, besides that, I will also try to invest in the various uh insurances available such as the singapore savings bond


which provide superior liquidity letting you withdraw your money at anytime if you need it, other than that I think that, I will actually , upon getting my salary I will not I will tend to try to spend on


my needs and, I will ensure that there will be, uh sufficient money put aside, and not spend everything so as to ensure that, if I need like a huge sum of money in the future due to an unexpected event or circumstance I will have it available


ya so Zamir, uh, after I mean apart from this question I would like to ask you, how do you spend your money, like on a daily basis I mean how do you spend your money in general


so for me as a student I tend to spend my money on my needs such as dictionaries and books uh but since I mean I'm a poly student, during my internship like we during my internship I I do earn like a salary and


as a result of that I think that I mean upon getting a salary I have that mindset that like I have a lot of money to spend and therefore I've been like kind of wasting money on , like custom products or something which is not necessary and


and , I think that , I should really, think twice before spending the money as money does not come easily and in the future there'll be way more responsibilities and way more things to pay for on a monthly basis


the I will the advice that I'll give to people who are in debt to help them get out of debt is, uh that they're they they need to recognise the signs of burdensome debt they need to identify how the debt affects them


they need to understand the basic options for getting out of debt they need to have a serious conversation with someone who knows, how to like finance uh or like how to spend the money efficiently, they need to be realistic


uh and think ahead and , besides that they will also need to be involved in creating the solution and lastly I will try to be a supporter to him and support him in any way that I can


so as for you Zamir how would you help someone in debt


I see so based on what you say previous uh just now on the on seeking professional help , uh do you think that one should act one in debt should actually get a financial advisor to advise him on his finances


so I agree with you on like uh certain singaporeans like may or may , uh may get may hire a financial advisor I think that before uh before hiring a financial advisor the person should actually check if he or she has a comfortable emergency fund to pay for the financial advisor's fee I think that uh by


if one can afford a financial advisor it will really it might be a good investment for him in the future as he knows hows how to plan he knows how to plan uh the financial, uh but the he knows how to


uh plan the financial , payments of the person well and therefore in the long run it might benefit him in some way


how do I manage my cash okay I will manage my cash flow by monitoring it monitoring the money that I get on a regular basis besides that I will also try to cut costs as much as possible as much as I can


I will also try to cash in on assets I will, I will try to get a business line of credit before I need one, I will (hmm)


I will try to stay on top of invoicing I will, , I will not let travel for example if I were to travel overseas I will not uh, , I will not let that let traveling expenses affect my other invoices I will


, and besides that I also think that it is better to get, paid quickly through using mobile payments and, uh dealing payments to vendors should be avoided !eh! I mean uh dealing


dealing, uh payments to vendors should be avoided as you know at uh during the at at the present moment there are a lot of interest rates or something which you can avoid as it is unnecessary money that you'll have to fork out and lastly I think that


I will try to get a business credit card to cushion my cash flow, just in case uh, , in some, uh unexpected circumstances that


I run into like, uh needing needing to pay a huge sum of money, so as for you Zamir how would you


so Zamir speaking about uh managing cash flow do you think one should own a credit card


I think that people people own a credit card as they think that is, an easy way to grab hold of money but I think that when when they obtain when they obtain that credit card they will think that they have like plenty of money to spare and as a result they will just spent on unnecessary things and


and, and at the end of the month when they receive their bill they will not be able to, to pay for the total expenses charged to their credit card I think that the credit card if I'm not wrong the credit card uh the capacity the max capacity is around like five thousand and that is a huge sum of money and as Zamir said I think that uh


one should only afford a credit card if he has the means to pay for the uh monthly charges


I think that uh, uh, for someone to retire comfortably I will give him advice on actually saving way before his uh retirement age from sixty five I think that with this by maybe putting aside let's say uh


five hundred dollars per month from starting from the age of forty I think that it will at enable him to at least sustain for, a minimum of, let's say five years after retirement and although I know that


on it is expected for the children to actually give money to the parents on a on a monthly basis but , I think that, one should not over rely on their children to support them in their their old in their old days and plan ahead


so I think that, uh , I think that uh people in singapore can actually buy the various, I think medishield medisave and medifund for their future for example their for the future medical expenses which is going to be really costly


and at that at an old age they will tend to need to visit the polyclinic the uh the doctor I mean the clinics the hospitals more frequently which will result in very high hospital fees, and which with which the various uh


~cal schemes may help to pay for, so Zamir uh what, what do you think of, , uh what are the advices that you will give to people on retiring comfortably


okay I I see that uh you said on you mentioned on getting various properties I think that view in view of like the prices of properties in singapore rising at a at a, quick uh fast rate I think that it is


also it might be a good idea to actually look for properties, uh outside of singapore for example in malaysia which is much cheaper, and I think that, uh , it is it is a good idea to actually upon retirement maybe stay in malaysia as the expenses are cheaper and


uh also the housing which is a huge problem especially in their old old age when uh you've got to pay for it and the prices in singapore, are really really steep so I think that there are various options uh for people


uh to choose from


part three negative experience


, this feeling of being trapped and feeling helpless is pretty common for me but the time when I really felt helpless for example is when for example nearing the exams and if for example when you're studying alone and you do not understand the concepts to like the subject or something


you will you feel kind of helpless as even though there's like internet available it won't really give you like that specific answer or like method that you're looking for which is, which which always like brings out that helpless feeling in me


so as for you Zam what which like, uh describe a time to me like when you feel helpless


uh so besides Zam besides the besides feeling trapped or helpless what always brings tears of sorrow to your eyes


so for me I think that similar to you I the thing that always brings, tears of sorrow to my eye or more or rather makes me angry is when people kind of stare at those who are autistic, like I think that, the staring gesture is really uh really rude and it should be avoided so apart from like


this like like uh apart from people like disrespecting this autistic people, uh the thing that always brings tears to my eyes, is like the passing of loved ones so uh, I uh back in twenty


back in twenty fifteen like there there was that, incident where the group of primary school students who went to mount Kinabalu and then they had that earthquake at the mount Kinaba~ at mount Kinabalu so if I'm not wrong there were like nine


#tanjong katong# primary school students who were like uh, who who died including like the the teacher as well as their their , what do you call your hiking guide or something like that so one of them who passed away was actually my cousin he was he was primary six back then so ya he just the when I got the news it was like basically


I was on a trip to I was a trip on a trip school trip to vietnam and then like uh, one day before I came back to singapore my mom told me like uh, she did not tell me exactly what happened but when I came back and suddenly then she told me and then I was like I don't know I couldn't believe it because he was he was around I think


he was uh twenty fifteen he was twelve so that means I don't know he's like four years younger than me or something like that so it's really shocking and then, the fact that he's very young really opens up, like, really makes me aware that


you know life is short and that, uh you got to make full use of it, that's all ya


uh the one thing that I I would wish to change is like my attitude towards learning like I I don't know why but I just have that like, that habit of procrastinating you know towards the end and even though I know that the exams are for example two weeks like


for example I'm like there's only two weeks remaining to the exams I will just like like not start like studying to like my fullest potential until it is like for example five days before it and then I think that , even though I know that I will not is it'll be a challenge for me to complete every all the topics but it's just a habit that I find it difficult to get rid of ya so as for you Zamir what what is one thing you wished to change but you're just unable to do it


uh I dislike, , I dislike uh, I'm not sure that Briyani is is popular but I I mean I'm fine with Briyani but sometimes I just I just dislike Briyani as I think that


uh, there's, I mean to me I find it like there's like so much, uh, different food items in it which sometimes makes a horrible combination,


ya and sometimes they have that kind of I mean different places have different I mean different uh places have like sometimes the taste of that rice the briyani rice is


really differs some of them really have this kind of strong flowery taste which I can't take it I'm not sure if you have it or not ya


I see like for for me sushi is I'm okay with sushi but the choice of sushi for me is very limited I will only take like the egg mayo or like the tuna other than that like the raw salmon or something I would I will not


take it as I just cannot take the taste as what you said so ya it's just too very bland or something just that very weird taste, next round


okay so Zamir besides like the popular foods that you dislike I would like to know like have you ever been looked down upon by people in your life


so as for me I've been looked down upon in (ppc), in secondary school since I entered secondary school but because I came in with like the minimum like the cut off point you know like the minimum so everybody in the school is like


were all mostly better than me but, it's not to me it's not only because of the aggregate score but it's also because of my attitude which does not change which has not changed since primary school , but then the the time when I really got looked down upon was in higher in the the upper second was in the upper sec as you know like in sec in sec two you'll get your results and then you'll be you can choose your your stream you want to choose whether


whether you want to go for like the combined science the pure science pure humanities or something, so for mine for my school there were eight classes and then there were only two combined science classes so I chose combined science and then as a result I was in like the last two classes which I was like in the second last second last class


and I don't know why but in my school, there're two block so the first block would be A to D second block would be E to ah E to H so the A to D block will call the, E to H block the dumb block for some reason I don't know why but ya so it's kind of it's kind of discriminating and then the to make to make matters worse in my CCA I think their which are like in my CCA uh NPCC


there are like most of the people there are like kind of nerds you know they all are from like the best class for it I mean three A four A like that so they're all of pure science and then sometimes they kind of look down upon me by like asking me, ah pure science questions when they know that I don't take it so I think that


it really, it really like hurts me in a way that ya in a way that I cannot describe


I see so uh Zamir besides I mean apart from what we've talk about uh, , what is something that you believe in when you were younger but not anymore and why


ya like you used to believe in


like as for me I always wanted to be good in sport so like I I always thought last time okay I was good at soccer I could be good, so but then obviously up till this day and I'm I'm not and I just gave up on it but there was one time when I tried just for fun to get into like the school team for a secondary school you know I went for the trials but ya I didn't get it so


that was when I've been trying I mean I've been trying to improve but, it seems that I remain like stagnant know like I just can't improve so I realise that , that that goal of being good at, a certain sports especially soccer is like not achievable for me it's like it just not


positive experience


uh from my younger days I think that K the memorable moment that I had from my younger days were when I first learn how to cycle I think that was a, feeling that I I will never forget as, uh it is


really enjoyable after I mean if you feel enjoyable and the feeling of satisfaction upon being able to cycle is uh cannot be described uh other than that also in when I was young I took up swimming lessons and


uh when I received the like the gold swimming along I was pretty proud of myself, and , apart and okay thirdly I think that, , and uh the my at thirdly the


the memorable experience I had was when I actually when I was able to get into the secondary school of my choice, which is a like a huge milestone for me, so Zamir uh uh besides what I've said what are the memorable moments from your younger days


okay so moving on I think okay I would like to ask you what are the dreams and goals that you wish to achieve before you die


the the dreams that I have dreams and goals that I have are similar to Zamir which is to actually achieve like, a high rank in my course which is becoming a captain but most importantly I would like to actually make my parents proud do my parents proud


and try to not like uh disappoint them and make them angry as , hurting their feelings is uh, as once you hurt their feelings it is very difficult to uh please them and


, and besides that it is uh besides even if you do not hurt their feelings it is very difficult to repay them for what they have done for you uh in supporting you in like, for your whole lifetime and apart from the goals in life


I think that uh , besides on focusing the on the goals in life I would also focus on like the religion aspect, and, ya and I'll try to balance it out


as it is important to like have a an equal balance of both


ya that's pretty true I think that uh starting a family is, is a huge milestone in life as, uh that is when you know like it it that's when you will realise how much your parents have sacrificed for you as you will need to like


uh , as when you when you actually like fork out the money and the, , the energy to uh support and fund your children in the future so I think that uh my goal in life is also to start a family and


uh ensure that it is, ensure that we live happily and and comfortably, so uh Zamir err besides like the our goals besides the goals and dreams uh that you wished to achieve I would like to ask you what is your favourite childhood food or snack


mashed ya one fifty right


so so as for me my favourite childhood snack, uh , my favourite childhood snack I think would be, , I K in primary school I like to eat like the the chicken Pau you know like the chicken Pau the like ya the one dollar chicken Pau or something I think that


I uh, to me I think that uh in uh in primary school as I'm really like you know really often looking forward to playing during recess time I do not see the need to actually like really eat like a proper meal for example like rice or something so I will like I will always go to the snack shop and buy


like like the Pau you know to just like fill my stomach before I I go to play and, actually I really love the Pau as, , know why it's just they have just that kind of , taste that attracts me to it I think so ya it's not really


it's not really a snack but it's like it's a it's more of a food that I really like till this day


uh okay Zamir so apart from like apart from discussing on our favourite childhood food or snack I would like to ask you what do you like about what do you love about life, I would like to ask you what what do you love about life what do you like about life


I see like for me I think life, life kinds of give people an equal opportunity to succeed I think like as you said people who are born into like a poor family for example they don't necessarily have to live in a poor situation and environment like throughout the whole life they can


they can have a chance to be successful although it is very slim, I think that also, , life is about making the right choices in uh I strongly believe that, uh


making the right choices is important as you know if someone makes one wrong choice for example they will tend to go astray and is very difficult to get back on the right track, and uh


I think life also makes, uh makes you , think continuously on how you can actually be how can how can you make a positive impact on the lives of others as actually it is


it is really an important thing you can actually make a positive impact on the lives of others by for example like doing charity work donating to others uh helping out in some community community uh events or something so I think that


life is not about making yourself happy it is also about making


to me K the best birthday present that I had was back in primary school when I was when everybody was into that uh trading card called match attacks so basically I think it was in primary three my, my mom bought for me like for I think was like fifteen packs lah fifteen packs of that match attacks and I got like a rare card called like the hundred club so I think that


although it is not like the most expensive but, at that time I treasured that that card a lot and, uh and and that is why I think that is the best birthday present like for me


ya I see so I think that, , to me the birthday present I mean okay apart after talking about what the best birthday present is for me I think that uh best the best birthday present is not about the price of it it's about how it's about how much the thing means to you that that really matters


so Zamir apart from like our I mean the best uh the best birthday present that we have ever gotten, uh, what is a comfort food that you can always rely on to cheer you up


, so as for me I think that, my comfort food is not McDonald's but instead is fried rice for some reason I like chicken fried rice from various locations like not I don't have like one specific like


restaurant that I I like for example I like the fried rice from uh for example Tang tea house spice, and like of several other like, food food courts I think that uh fried rice really


it kinds of reminds you of like your origin you know it's like fried rice there're I know there're various styles of fried rice you know like the thai fried rice and there's also the malay style but, I think that uh, the fact that it is kind of like your your local cuisine really like cheers me up in a way


okay so hi dad , uh, do you have personal insurance, tell me more about it if you have


, okay so when do you usually get insurance


oh so you have to like even though your company gives you insurance you have to pay for it like it's not fully subsidised it's not free


oh so it's from your income, okay


oh okay, so, uh do you think CPF insurance coverage is enough,


, what else do we need, (mmhmm)


let's say like me I'm a student I'm not working then how do I apply for insurance


oh so have to pay for myself


so it, oh okay so it always has to be planned out first like I can't just get it, anyhow I have to plan up my whole uh expenditure and everything


ah okay


so how am I supposed to plan for an insurance I have to look for an agent is it, is that the best way to plan


, so what do you look out for like in an insurance agent


okay, okay


so like now I don't have personal insurance so uh for my age what what kind of insurance is essential for me


oh


then what insurance do you have like what insurance is your company giving you


so, so , term life insurance or whole life insurance which do you think is better for you


oh, oh


but uh for me I should take whole life insurance,


, so uh when you give birth to me you never like buy the insurance like for me is it


oh oh, so I do have insurance, oh okay then uh


oh just for like medical bills is it, oh okay so what do you know about investment linked policies


so uh when are you going to retire usually the age is, sixty-five is it, oh then what's your plan after you retire like for your uh like your financial plans after you retire


, oh


ah


so CPF is not enough uh like after retirement ah, (mmhmm)


so you plan to have a savings plan I mean you probably have a saving plan now but you like how do you plan to, uh save and manage your cash flow after retirement


yes


so let's say someone is in debt then how would you advise them to get out of the debt like to how do you advise them to pay back


so do you think like having a credit card is good or bad because like you always you don't know what you're spending right credit card you can just spend


okay


so what are your thoughts on how to earn extra income do you think investment is good,


ya true


it's really at risk like our own risk is it ya, that but how would you


ya really must research on it, so do you plan on investing after retirement


yeah that that’s about it


alright now I haven't even done any like research on investment so far because I'm just schooling so I don't really have a financial plan for myself but I think I have to start planning soon because like the next stage of my


education I'm planning on like contributing, to my fees and like not just let you all pay for me ya so ya


so for now I'm just like, still thinking, I'm not so sure on how to


plan my savings plan, ah ya obviously can't think, ya


, , I uh I'm just like very scared to invest because like there's always a risk factor right, ya and then like what if I lose all my money


, ya but they just take the risk anyway


okay we going to talk about sad things , okay so, so describe a time when you felt trapped or helpless


ya oh my god that's so scary ya, you were helpless ah cause you were alone is it


, so lucky you didn't hurt other people, ya


ya trauma


for me trapped or helpless is probably when, like, I think when I was in MI then like I couldn't cope with the education level there so like I had to drop out and go for poly


but the thing is I wasn't helpless I just felt trapped like I could help myself because like the next year I was gonna, like enroll in a polytechnic instead of the A level but it just felt so like bad because I couldn't like cope into something that I got into


and I felt like I wasted a year but I feel like it's also god's plan that you know that this is something more fit for me and I'm actually more interested in this course than whatever I was doing in MI also so that's, actually what happened like nothing really made me feel


very trapped or helpless like I could always find a way to help myself especially because like I have my family and my parents and everything so, that is one time


ya because I learn like a lot in MI like the, pure science and everything so I use it to help in my poly but, so ya


what always brings tears of sorrow to your eyes, ya exactly


he always tells me to study hard also and everything , ya


I think that's like one thing is that I never get to spend enough time with him he passed away when I was really young like like nine years old now I'm nineteen is like ten years without him


so, worry I think for now is just like how to get my grades up to get into a uni ya nothing really personal


worries me like I think I have like a very, normal life ya which I'm grateful for that you know nothing no personal stress on anything so ya just studies only that's that's the only thing I should worry about now


more of a concern like more of something I need to be focused on


ya that's true, do you regret anything in life


architect right (mmhmm)


ya, maybe you can still achieve it


have you ever been looked down upon by people


where have you ever been looked down upon by people


, I have though I don't know it's just like I feel like maybe sometimes people just, like based on first impression they just like


or like based on, your appearance or what they just look down on you, or maybe also because of colour, and it's actually very sad that like, we are minority so generally people look down on us already


so, uh, ya


ya you have to work extra hard especially because you know we're minority, (mmhmm)


(mmhmm), (mmhmm) ya , I feel like that really upsets me because like I wish that there was equality because there is supposed to be quality


but ya, ya regardless of race language or religion


ya many times ah racism and everything but, it's just, how we actually we really have to build up ourselves to like get through all of that, ya like we have to always


live with the mentality that oh people are actually gonna look down on us we have to be our best in like at all times you know


ya, like describe something which made you really angry


ya if you are actually quite patient, but that's why I wanted to ask like, is there anything which actually made you really angry


ya, for me I also don't really get angry like, uh maybe I get annoyed but I don't get angry with anyone


, did you used to did you have like a believe that you have let go of


, ah !wah! that's really sad it's like national team


(mmhmm), !wow! (mmhmm)


so were there any like I know you've you've made many sacrifices for us and we always know, that you will do anything for your family like us and everything , but like what


other sacrifices that you've made which we are we were not aware of


ya ya exactly