do you have like a worst experience in okay since we talked about like siblings and love for, thing, you want to like move on to a place where where you have a terrible place where you travel or uh embarrassing moment uh with your loved ones


I I don't really have any embarrassing moment but I have a worst experience of travelling so I wanted to go


to this uh I wanted to go to australia last year with my girlfriend then we ended up talking a lot we plan a lot and I started saving up to travel and then in the end, we were in good terms and we're talking and stuff but then eventually we fought fought over the uh idea and eventually I didn't even go to the when we wanted to go to the place I already had uh everything we already plan the tickets both and then


the <B>


but then uh we cancel and then refund eventually after that I gave her the time that she needed and stuff uh we made a short trip, to malaysia but uh that was also very bad moment cause the entire trip we were just arguing and fighting


ya but we didn't really physically fight we were just arguing over simple thing what do you want to eat uh oh how are we going to like move on from here and stuff like do we really want to ya we had a lot of confusion and a very bad travelling experience yeah


just was about hate and anger wasn't very much fun that we do


I see I see, I don't I have also experience in fast food my ex my previous working job place I also feel that I cannot meet to their expectation, which we think we already are doing pretty good job ah or else we couldn't meet their needs and stuff but then now when I move to this working place I always have this conflict with one of my working colleague that we just I'm doing my own business and then this person have like


uh hatred or something towards me that will every time just, uh makes me look like I'm a bad person and trying to get the person into bad shoe but that person always get me to like uh oh, a situation that I don't really like I usually I have this good impression of my


colleagues and my clients my boss and stuff lah like the bigger people then after that this uh they this guy from they are actually colleagues ya who I do some uh


thinks more differently stuff yeah okay


ya, positive experience, so I I'll start first ah, okay so, for me I have a lot of positive experience in life


uh, and that is the best way I cope with a lot of stress that I feel in school whatever I do (uh( will always end up bringing me back to positive moment such as my birthday like a lot of moments I have basically more positivity than negativity


yeah, I always feel like okay let me share one story that uh is really very positive for me I always have very bad communication skill with my siblings and stuff that I always depend on my siblings for help and stuff then I don't really get the positive


vibes from them and I don't really get encourage and support from my my siblings that is when my friends come in and give me the support that I need ya I feel that some of my friends are more like siblings to me rather than my siblings themselves which I think is very blessed


and a positive thing not many people have very good friends, and some of them have trouble to making really very good friends and who can understand you and feel you and work the same way as you ya that's a very positive thing towards my friendship it has changed a lot in my life whenever I'm feeling down


they always are there to support whenever I need them they always there that's a positive how about you isabel is your friends, uh somebody like you or brings the positive vibe wherever you're feeling down


I see ya it's cool lah it's cool


I always I don't really like to go out that much ya compared to you I always use my time to either watch good movies or play games with my friends online or using my phone that gives me


a good way to spend my time yeah


apart from like your things that you like and stuff what is like your favourite food, and uh, your favourite moment in your life that you haven't experienced that you will never get back the moment


I don't really like to watch cartoon cause ya it was back on the days lah ya then nowadays I don't really keep up with the cartoon and stuff, but yeah one of the best moment my life would be secondary school yeah I had a lot of fun and a lot of memories


back in secondary school, uh and yeah, I've learnt to like be more grateful for, more people in my life uh I'm more grateful for like my family members, and my friends and my uh


counsellors and my church members ah, ya


best moment with my friends, (mmhmm) oh I see I see !huh!, so there was this moment where we all were having class like lecture hall so we were all at a hall


and this uh this, we were basically a whole not whole level but two classes combined into one auditorium and then we were having like a normal briefing for some of the important I think for a test or exam


not really sure so we're having a briefing then there was this joker who uh came by and make fun of the teacher where there was this a lady who stuck outside the door then uh, it was actually a very old and wrinkly kind of looking lady she's very old age and she's a teacher I guess yeah but I'm not very sure about who is she and why was she doing there I mean she is one of the form teacher then she wanted to come in so this joker uh


uh like, how to say no always have moments with friends ah don't you have like celebration function that you would attend that you always have a good time, ya, like your birthday or any other people's birthday or like the birthday that you'll never forget ya that you will always like like you always wanted this dream birthday but you never get it and stuff


family gathering ah, how was the cake like ah maybe talk about the cake, uh I see


so like uh is that another dream birthday of yours like that's how your ideal birthday you have in mind lah that's what you really want


something you should be grateful lah then uh, okay, apart from like your family members do you admire anybody, from your family or your friends secretly which really just brings you like make them look like they are your role model and that's how you want to be in a person


since we are talking about positivity right right now what how do you change your anger into something that you like don't have conflicts or you make more like do you apologise make sure that, how do you bring like your anger into a positive way how do you make sure cause you say you are a very angry person right ya so I'm just wondering ah


I see I see I'm not an angry person okay, oh ya, I usually don't uh find anybody like everybody makes mistake and everybody learn from their mistake so I'm not angry cause every uh usually their mistake is always like a minor problem like


you don't have to be angry if you see things in a different way you see ya if you were to see things in your situation where like okay you, ya then uh in your situation that uh that makes you look like you are the nice person and then like


makes them look like they are so bad person you see ya, so you have to hear like what hear them out and tell that okay so that is what you've done maybe accidentally people take your things and then they drop it and then they break it ya, so apparently you didn't know that if that's the person or you never clarify you will never know like ya so you'll just be blaming the person for ya for whatever mistake that they didn't do but actually another person that did it


ya, so I will always like to clarify with the person what happen there and ya instead of being so angry like getting into there oh you did this okay there's there are something that not everybody have mastered but I've done it through


meditation I guess yeah cause usually I wake up at morning uh the first thing I will do is uh I will shower and then drink some mineral I'll drink a few litres of water uh and then I'll get myself to meditate


so that the whole day I feel much better as a person and whole ya so I don't really feel that I'm always very angry and that's how I control my emotions it's a very good way, for you to handle your emotions ah from


my proudest moment that's actually being a good sibling towards my sibling and a good son to my mom and a good student to my teacher, ya, these three are my always uh most proudest moment in my life


and a good friend also to my, friends, I will always love to visit uh gold coast ya or ya paris cause uh basically my ex broke up with me


and we wanted to go to there we wanted to go to the place but we couldn't so uh that's the place that I would like to go when I'm much more uh doing better in life ya so that I can make her uh make myself look better and bring the positive and make her jealous maybe ya


do you like the roller coaster rides, oh I see I see, but a lot of them said that when you take a roller coaster they have like a lot of fun ya even though they are scared at first but then they have a lot of fun during during the roller coaster ride


not very sure about the rides


but which place, , will bring you the most happiness in all three of you mentioned, like you said right the places that you will want to visit that makes you happy and yeah the places that you want to visit who would you visit with is it your friends or your family members or like who really can you have fun with like really true fun


finance, so lawrence now I'll be talking about the post COVID world like what changes I have been like making in terms of my spending and saving habits lah so during the COVID time I find myself like spending a lot more money than I save usually


whenever I go to school like you know I'm going to poly and all I tend to like save more money, even like sometimes I skip lunch or in school and then like, I just tend to save the money lah but when it comes to COVID right we have


online shopping and all it's like I've been using more phone time more screentime which like, cause me to like you know use more online shopping and then you also know right I order foodpanda and all which tends to like spend more money yeah and then for saving habits I think my saving like really went down this COVID time


good for you lah


but , so right I don't know why I find myself amused with shopee this time, because like when I go into shopee some things that I can't find around the shopping centre and all I can find in shopee I also bought present for mummy and my friends all in shopee and those things I can't find it easily in you know shopping centres and all


that's why I think I spend more yeah


okay, I think shopee's a bit secured eh because ya I think it's secured for me for shopee and also, the things that I find on shopee is uh


low I mean like it's it cheaper price lah but low quality I would say so I don't, mind spending money on that that's why during COVID like I spend more money on yeah shopee


okay, so right as you see I have spent a lot during the COVID time I have like a plan that I keep to myself as I am already nineteen and might as you know my savings are really quite bad I'm very bad at saving so I have planned to come up with a saving plan and you know I'm going get a sponsorship right


so the money that I'm going to get for me I'm going to like save most of the money, so that in the future it can help me a lot in like you know buying house and all, ya so at this age I really need to start thinking about my future so that I will not suffer in the future you see


yeah, okay for my age I think fixed deposit would be a good idea but I would still like want to talk to a banker lah to get more ideas on


how can I you know plan better for better finance in the future but what my idea is to use fixed deposit


I used POSB I only use that, because I trust POSB the most yeah, and what what did you ask aina


okay since COVID time we can't go out a lot so I still haven't discuss this, like I haven't discuss with a financer you know someone to help me advice yet but I would like to get advice from my mom because she's older than me she quite knows on saving lah ya


yeah, I don't have any credit card yeah and I for me personally I don't want to get credit card it's just like falling into a debt yeah if you don't manage it well but if you manage it well I think there's a lot of good opportunities you see


I'm not sure


ya so ya, you are talking about credit card and the advice


yeah I do okay one thing right five years ago if I was I would tell myself you know what, I would tell myself to start saving at a young age and in fact I want to advise everyone to start saving at a young age because I never save up when I was in sec one because I think sec one is already good enough I have a job to work


and I could have saved some of my salary but I did not but I think will be a good uh advice for the, upcoming generation to save at a young age lah and don't need to suffer like me because now I am struggling to pay my school fee and it's not easy to find a job also now due to the COVID


ya so, if I was like I would advise myself five years ago to save money ya the pocket money and my salary and all I would have I should have saved it it's such a big regret I have


so you are trying to ask me how will I save the my pocket money is it


yeah, for a week, for example what I would do is for a week I will like limit myself okay I'm going to spend only fifty dollars for this week and I'm not going to cross this budget you know budget ya I will ensure I do not cross the budget maybe I


can like you know pack something from home and go eat during lunchtime which will I think it will really save up more because if you go to my poly and see, you will like only for a normal dish will spend like four dollars which quite a lot maybe can spend on buying a bread and spread and ya pack it so that you can save money


yeah, yeah that's what I see


like I told you earlier on I want to put my saving like from the sponsorship money I get


I want to save half the money or like you know a good amount, and put it in fixed deposit account because fixed deposit for me I feel it's a good investment to start with you know when you have interest rate also while you put money they also put money and then at the end you get more so in the future if I'm planning to buy a car


yeah or buy a house it will like help me very it will be very helpful lah, yeah what about you lawrence I


okay so one thing about me is that right now I want to work hard and in the future I want to like relax a comfortable retire you know something like that so I want to save up now and, one thing that I like about CPF is that they had us save something like that ya so


yeah but it's good to think when you're young you see you don't want to regret like how I regret for my school fee like I should have save up young and retire is like if you are going to retire young like sixty five I think there's a still long way and that's when you become old there is also medical expenses that will come up for sure and


for medical expenses is quite high and you don't want to depend on your children if you're married you see you want to depend on yourself like for me I like to be independent and I don't like to depend anyone on finance and anything so I would like to start thinking about this all when I'm young yeah


wait your question I don't understand can you repeat yourself, yeah my mum is spending money and then how I look up to her and save for my future is it


okay so what my mum taught me is uh my mum taught me like you know


so even if it's a little it's even if it's not much but it's a little it's still saving even if it's coin you can save it that's how my mum taught me so I have seen her using piggy banks and saving all the coin she have and then when she really need it I see how it


it had I mean it has been useful for her that is one thing that I have also been following so I have my own personal uh piggy bank where I save even coins also that's one good thing about myself yeah like that's one advice I have


seen from her, it's not mine


ya you were talking I was talking right ya so on my finance this is one thing that I look up to my mum about the finance lah like even if it's small amount try to save it and don't spend it yeah what about you


I got one question for you sorry like, how can you depend on online and TV like is it a reliable source or something like someone I would believe, on someone that have experience on finance who have you know like older like sixty five and above like how would they advise me to save up and how they advised me to spend my money


oh because they have experience and all and they have live past and now also you see I hope you understand what I'm saying yeah


yeah that's what I'm saying


okay so since you said will it apply to my financial spending or what the decision I think okay if you're going to see youtubers like it's very rare to see singapore or singaporean youtubers talking about finance


and I'm not sure about other countries but if you are going to see other countries finance financial and how they manage it do you think you can relate to it and, ya for their age I think they only have a little experience I unless they have you know


went through a lot and they know how to deal with finance then yeah if I were you I would like go and ask advice from you know, from a bank yeah which I think would be more relatable


it's not being biased it's just that uh trusting because I have been with you know a certain bank and I would like to stick with that bank and I do not want to switch you see if you want to switch like


then why did you


negative experience


okay, okay I would now I would like to share with you a scene from a movie that made me cry and no matter how many times I watch the movie I will cry so it's a tamil movie, but the scene between the father and the daughter you know the father is


he's retarded he's not uh mentally stable so he is not capable of taking care of his daughter that's what uh it's shows you know in judge and in law terms he's not supposed to take care of the daughter but then


as from the movie you can see he really take care of his daughter very well and get her whatever she wants, ya so you know then at the end where they you know communicate through hand signals and all that made me cry and no matter how many times I watch the movie it will really make me cry that's one of the saddest movie what about you


, okay so I would like to share with you like what are some injustice of the world that make you angry


so I would like to share you know, when you kill innocent people or even animals when they're not supposed to die, that's the worst thing like recently in india you know two people were killed because they open like the shop at past eight o'clock you know in india there was the rule where they have to close the shop before eight o'clock due to the COVID


so that thing was like something that you know that made me really really very angry because first of all who are you to decide their lives like can you like, beat them so hard and I also like heard how they like they were killed like how they were tortured inside the jail which really made me very angry and how they treat a human being like that and it's the same for animals I have seen videos on facebook where they you know they tie up a


dog and a cat and then they treat it very badly they step on the dog and all when seeing all these it really made me very upset like why human can't treat other living things the same like how they want to be treated and ya


if I was in like you know if I was in the scene I'll definitely if such a thing to happen in front of my eyes I'll definitely stand up for the person that is being the victim I'll definitely will


okay so another thing that I dislike and made me angry is how the world is so inconsiderate about saving the world like everyone is staying this earth and everyone has a part to like save the earth so when I go


to a shopping mall and if I buy things that I can carry my hand I will never request for a plastic bag and if I go outside I won't ask for straw I will try my best you know help the earth whereas I'll get angry when my family members you know


they will ask plastic bag and they use straw which I will tell my mom don't do that it's not it's like you are also staying this earth you will have a part to save the earth, yeah, that's one thing like I feel that people should you know be considerate and do their part because everyone is living this earth


yeah, yeah, like even you know some people like to litter around there some people like to you know spit on the floor when I see all these things there are really you know this kind of people they like


how to say they are so inconsiderate like you know for example fishes in the sea they accidentally eat plastic bags thinking that is, uh their food you know, and yeah and, you know karma so because you know you are going to eat a fish and what if the fish eat a plastic bag you are not sure


yeah, it's not that you cannot do anything about it you can


you want to go to the kitchen go to the kitchen the recording you can hear


so


I would like to talk about a loss I had in my life, yup so uh my family is like you know from malaysia right so in some of my relatives are back there so I'm very close with my grandmother


so when she passed away you know I was not able to visit her because I had other things to do and in muslim family you have to you know, you only can keep the body for awhile for certain timing then you can't keep it longer and if I'm about to travel travel from singapore to malaysia it will take a long time


so I did not get the chance to see my grandmother for the last time it's like was really very disheartening because, I would say I'm very close with her and I love, you know I love her so much and you know you can't see the person that you love for the last time and it's very sad ya


okay for me and my friends we don't usually uh quarrel and fight so we had this uh quarrel because of some issue which is very personal I don't wanna share so uh we had a quarrel so


we did not talk with each other for quite a long time which was really very sad for me as I told you she's my very close friend and yeah so, I did not have anyone to share my problems with or any happiness that I had you know she's my friend and I don't have a friend now I lose her because of a argument


but we did my mum like you know she understood like, I was going through a very big problem and I was also going through depression I would say so my mum observed all these and then she talk to my friend and that's how we became


friends again ya and then we had another argument and the same thing happen but we became friends again so yeah


okay


for me I would say like after I leave secondary school I and my best friend like we don't meet up, that often because you know she is staying very far for me and you know poly and ITE time differs it's very difficult to meet up and all so I don't get to meet her up like how I used to meet her during secondary school days like we would meet every day


and when it comes to poly time you only can like meet from once a week to like once a month which was like, very sad also you know you know the feeling when you don't get to meet your best friend yeah, yeah


oh


I do not have experience like that but I have experience like, even though for others I feel like I'm doing good I would like feel like no I'm not doing for a particular job for example if others feel that I'm doing good and I will have this feeling on myself like you know you are not doing good enough and


your self low esteem lah you see ya


as I told you like I'm a very angry person and it's very easy for me to get triggered and irritated so , and my mum likes to nag a lot and yell a lot so when she yell and nag and sometimes she would like you know pinpoint that she is still like supporting us in certain ways which you know no humans really like right so uh


that kind of moment I will try to argue back with her like even though I want to like control myself I could not and I argue back with her and then it turn out to be a big fight yeah, and there you know for sure there'll be siblings to even irritate and yeah they would like to tell this to other relative and make it sound as if like you're the one who started the problems and all


you understand what I'm saying like it's the feeling in that position is really very bad especially with those kind of siblings, yeah


for embarrassing moment I still have not experience one or I think I forget what about you do you have any embarrassing moment


okay, I have uh experience worst experience like in when I was working in burger king like you know I was being a cashier so


we have different kind of customers like I would not I would not say that I do not have good customers I have customers who are very understanding and I also have customers who are not so understanding you know they argue like we can't do anything if the food delay and you know


and we have limited amount of I mean we have limited people working there, so we can't like meet up with the time they're expecting to be fast yeah and some customers expect it to be fast they expect it to be fresh it's really very hard to make certain kind of


customers yeah


positive experience


okay from


you know help myself into a positive vibe so one thing that I like to do is I like to go to the beach and listen to the sound of the wave, when I do that I liked the sound it really makes me feel so relaxing so the problem I have it like I can just forget it and I can literally sit down there and listen to the reef especially at night and I also like


you know when it's raining and you are at beach that's the best experience for me I would really love that yeah


one, thing about me is I like you know even the smallest no matter how big or small the thing is


you can find happiness in it so one thing that once more thing that always make me smile is you know helping others I'd like to help others a lot which makes me feel good about myself that's one thing about me uh I have experience teaching uh young children


I've experienced uh helping out elderly so that these are the small, things that really like you know make me feel so happy inside of me, that's like you know you find inner peace and also happiness yeah another thing is I like babies a lot so when I see babies they're so cute I don't know why when I see them I also become happy that's another thing that I like ah ya


favourite moment I think secondary school experience that was like that was the year I was uh exploring myself I would say that was a very positive experience as you know I am a very I'm a introvert as I told you so uh


it's very hard for me to get friends and all I know was to go to school study then go back home study so I have this friend who entered my life she was I was I'm very grateful that she entered my life I would say because, when she entered my life we learned you know we support each other she's not more towards the academic side but I am so I can help her in terms of that you know everytime I bring her back so you got exam today you have to study today and then


for her she bring me and explore the outside world which I don't usually do you see so I get to know the world through her that's one thing yeah that I liked about my best friend, yeah


another thing is I like to watch cartoon uh I like shrek and yeah I like shrek and you know other fairy tales I like fairy tales movie a lot you know when you are watching fairy tales movie okay for me when I watched fairy tales movie I like the I like to watch the surrounding


and everything so I feel as if I'm inside the fairy tale itself you know the music that they use and the background I really love it, that's one thing about me one positive thing ya


what about you


(hmm)


maybe you want to describe a time where you laughed too hard


so I would like to share with you one of the most memorable travel experience I had so this happened


I and my best friend were in the same class so we get to sit beside each other in the bus ya, so it was a trip to malaysia malacca trip yeah so I remember in the bus where you know


we had a lot of fun especially I think that also when I experienced a time where you know I laughed too hard so when my friend she told me a joke, she told me a joke or she did something and then I could not control my laughter and that was when I was drinking my water so I spit out my water so when I spit out my water my friends from the back asked like what was that so you like


the whole thing was so hilarious yeah, and also most memorable yeah I get to I get new friends in my hotel room like you know they're packed with three people right so I'm get a good friends yeah


celebration and


okay I have those experience so it was for my sixteenth birthday where my mom, for sixteenth birthday my mom made a surprise birthday party which I was really touched by because


it really was so great and it's really very special because she bring me to a makeover which I did not have any idea about like, I was thinking just a normal day out okay so she wants to make me look pretty and all and then after that she dressed me up and you know get me a makeover and everything then we arrive at the you know party place where I walk down and everyone passes me rose


yeah and yeah I would say I experience, that was my first time I hug to my dad ya because we are not I'm not so close with my dad so, I would say I had a good time with my dad and also my other relatives also yeah and then I get to play some games with my friends and my cousins and all which I don't always get to


yeah, for my birthday (uh huh), oh the whole thing was in you know my favourite colour black and blue when I see it I was like feeling am I in heaven because I like black and blue a lot


yeah so the whole area was in black and blue and my birthday cake was in black and blue so yeah I I was really blessed and grateful for that birthday my sixteenth birthday


I mean like I did not expect so much for my birthday party so I I really like the birthday party and I am very grateful lah so I think this is the best birthday, party my parents can ever arranged for me yeah so I don't expect for more


yes I do have , as I am I get angry very fast so I see my uncle he's very calm and what I want to you know adopt that same thing I wanna try meditating yeah maybe that's a good way so yeah I want to like


be a calm person as him and also be you know I don't know how he get to mingle with all the childrens because when I go to a children and or babies they start crying when I want to carry them so you know maybe my look or something


ya I want to be more like him to be more calm and you know all the childrens attract too that man something like ya I want to be that person


okay I have, uh


okay so one thing about me right I told you I'm a angry person but I like to usually close the door and stay inside the room if the person that's triggering me is outside the hall yeah another thing that I like to do is I like to go inside PUBG


so when you go inside the PUBG it's violent game yeah so when you go inside it right and then you play it your, anger change into you know a mission something like that you see you try you get me the feeling is different level so your anger is a very good thing that you can convert lah but don't be so angry person it's not good for your health


then why don't you talk about yourself


okay


maybe you want to


so what is the proudest moment of your life


oh, okay very good


what is one place you love to visit and why


again one place that I would love to visit in singapore is sentosa universal studio


as I told you I like fairy tales ya so when I enter into universal studio I have the feeling of entering a fairy tale so that's the main reason why I want to go universal studio yeah, especially I love the shrek the castle in USS


yeah I like the mummy the ride also but I won't try the blue and red colour roller coaster because that's way beyond and yeah


I need a trusted adult to be by side like, it's like my uncle or my mom so that you know I'll be like having that you know fear removed from me ya but I think mummy roller coaster is something that I would try and try again because it's interesting and yeah I like it


and I also like uh the dinosaur uh I'm not sure if you have ride the dinosaur park where you know the water splashes on you and then there's a point where you know you will be like flying


from above to below that's one of the scariest part I guess which my brothers were also scared of, yeah, so universal studio is definitely a yes for me and another place that I would like to visit is I would like to visit #taj mahal# as it's uh you know it was built as a symbol of love and I would really would like to visit it yeah


what sorry


(uh)


finance, how do you invest your money to accumulate wealth and on planning for retirement


maybe I can share on my point of view what of what investment is more like yeah apart from what you mentioned earlier on maybe uh buying gold bars uh bullion coins through UOB, also be another way of how


how we can actually invest our money and that's what I feel yeah buying gold bar okay so we uh maybe we can move to the next one already


can okay


okay first and foremost they should start saving early follow the fifty thirty twenty rule spend fifty per cent on, what you need thirty on what you want and twenty per cent on savings in that way over the years able to


have enough finances for the big tickets yeah that's my view that's what I would recommend


okay can let's move on to question number three how do you manage your financial commitments before and after marriage, okay you're not married okay so this one


in future if you have any plans, yeah


okay let's move on to the next one in a post COVID world what changes are you making in terms of spending saving habits, saving saving one maybe what I feel is that diversifying our income source


starting small home businesses just to ensure that we do not get hit too hard by this post COVID COVID, issue yeah what about your opinion


I would I would think by buying multiple assets owning more than one property for passive income would be a good source and a good planning for retirement


as there will be that passive err income that will be coming generating from the various properties that you own yeah


correct correct, okay next next one, yeah done


[oh} okay can, okay no problem so next question will, be, first firstly that that particular person has to identify his various err source of


debt I would say, be it yeah be it they are, from the banks or from uh private creditors or or travel so yeah you should advice I give is to gather all the


all the debts that we have that the person has, and followed by consulting a financial adviser to get the best advice on how they can, actually uh go about clearing all their debts, through legal ways to through legal means of course


instead of uh seeking help, from yeah illegal means yes


okay can


okay next question do you think once you own a credit card


okay


yeah there are pros and cons like what you have shared so ya I think okay next one you can move on to next one


err what advice would you give to someone in order to retire comfortably


okay okay so uh next we'll move to, how do you manage your CPF savings and what advice would you give to


someone in order to maximise their CPF savings for their retirement, maybe I'll share something on it lah err yeah the government has various schemes


so uh this has to be disseminated to the to the group of people that you are speaking to that I'm speaking to in terms of the , the government CPF retirement sum there's this topping up scheme


at the annual cap of six hundred so things like this would actually benefit singaporeans as in not only singaporeans but yeah yeah our senior singaporeans lah basically, correct correct correct


okay okay


yup okay, okay and what what what advice would you give to someone in order to reduce their income tax


okay what I will feel would be, make more voluntary contributions to your medisave account, yeah, make more contributions so you can get that


what you call it err yeah the relief ah the relief income relief


yeah


yeah that's right that's right , okay so uh to to to actually sort out your finances do you think that to DIY or get a financial advisor


to plan it for you what would you think would be the better option


like an insurance agent


okay insurance agent ya they are in this they are in this industry I think it's better if they, manage our our finances for us instead of we doing it ourselves then there's tendency that we will we will actually move on to


putting the money in places where it's not secured and you never know if your money you can come back so it's better to, consult a financial advisor to ensure that your money is in safe hands


okay so do you have the habit of saving and how do you ensure you meet your saving goals do you have any saving goals, that target


what about habit the habit of saving is there like a systematic habit a consistent one, yeah


save money , okay


okay another question on uh what can we do to earn extra income and improve on, income level I feel that as the, as the world is evolving ah, technology and everything is just advancing too fast so in terms of humans we should also


advance in our in our career prospect advance in our uh educational level and things like that so, the terms of earning extra income it will go along with your education the level of education that


that you have we have obtained, throughout the years of our life so ya that would also contribute to our income as we


okay never mind just continue


we are left with thirty seconds can we stop, [orh] there's still time


okay so how long uh okay we just continue, okay can okay


sorry repeat again what, five years ago financial advice would be, plan my savings to actually have met my financial advisor at the earlier stage that will have benefitted me as your


premiums are lower err your care coverages are much better in comparison to your the price you're paying I guess and ya five years later, does the the kind of progression you see would be way better than something that you signed


maybe a year ago so ya I feel that, that should be the the way that how, ya what you should we do in


okay okay


so press stop on our phone


negative experience okay, describe a time when you felt trapped or helpless, you want start first


okay for myself uh I would feel is trapped or helpless when, when I was in secondary school when


I had to ya


just continue


okay can okay ya so we go to the next question err have you ever had a pet that you loved and lost the question on the pet


oh yes is popular foods but it's like , popular food maybe I would say a popular dish which is like Taugeh I hate Taugeh so much but it seem to be a very good very popular dish that they


you find in the restaurants even like thai restaurants but I just cannot seem to appreciate it, yeah


#mee soto# have you tried before


okay , of course I have definitely definitely definitely have you been looked down


ya shouldn't really bother should just move on


okay


okay so ya, describe an event that made you very furious made me furious !wah! very rare, let me think err


furious would be , when people tend to misjudge, tend to, say things which are not true that's when I'll get furious especially with


things that I to things that I buy with my hard earned money, and it seems to them that I'm, living off my parents' assets and all that so yeah when things like that come cross my ear uh quite furious I would say because yeah especially when


you do what it takes to to get there to get something that you desire and all, you get people saying that [orh] ya it's from your parents and it's from your family things like that so that really makes me furious what about you


okay never mind move to the next question what do you, ah can can can can what kind of person oh yes


ah I see I see for myself I hate people who are not genuine ya I think it's quite important to be genuine especially when it's your friend that, is not really genuine with you with the problems they have they put on a good show in front of you but at the back things are actually slowly crumbling down so yeah I don't really like ya


to me ya, ya ya ya that's quite annoying as well yeah that would also link up to yeah making us like furious making me furious


that would yeah escalate to an event that make me really furious it will become like us yeah a memory that will get stuck with me so basically, yup next one let's talk about err have you ever wanted to get revenge


what happened that make you feel that way something that you really maybe maybe something that happened during your childhood days I mean that's the only time when you want to take revenge and revenge when we are young ah do you have anything any experiences


revenge oh that's the I mean no lah revenge is different from cutting it all you are young is there anyone that you wanted take revenge so so badly and what contributed


to such a decision that you you would you wanted to make all of the contributing factor, young time you never take revenge your cousin beat you you never beat back your friend beat you you never beat back never scold back never push back


so you're always a victim lah


can can we start yeah


okay, okay for myself would be ended a relationship


okay I'll talk about ended a friendship ah first friendship will be and actually I found out that my friend was not really genuine with me and he was going around like, going around


badmouthing about me so ya that made me really


especially when there was like cheating going on between all that, so ya I think that is a very big reason why I had to had to end it lah, so ya okay next topic


can


for me for me would be yeah I wish I could change ah, the the number of population in, singapore , and to go back to ya how it was let's say maybe uh twenty years back when the population was


was at the right level as of as compared to now when it's so congested and, so cramped up so yeah , I won't say that never be able to but very high very low chance like ya very low chance of actually happening because ya our


population is increasingly increasingly uh, rapidly increasing and, although we do not have birth rate is falling but ya , birth rate is falling uh foreign investors are coming in that one is increasing so chances are still there hoping for the best but yeah population should not increase lah I feel should go back to when it was when it's three million mark


four million mark yeah that was a good, red ya


yeah there are many things lah actually that you wish


yeah, okay so next one would be


what do you often worry about


okay for me my worry will be, about the future yeah I will often worry about like what's gonna happen in the future like how much money is needed what is sufficient what is insufficient like


with all these pandemic and all especially you never know like when we are ready for the next day so yeah that's always a worry for me especially when, the world is so much different now and so many thing is going on so many things more coming in


and ya that's more of the worries that I have yup


yeah, yeah same here same here are we done, done done done done done done done done done okay


positive experience, sure


memorable moments would be memorable, going to the playground visiting the how to say all those like


theme parks going for roller coaster rides ya basically ya just having a lot of fun


yeah definitely


ya mine ya you start first


oh


okay


my mind would I think a hamster, that I used to have ya so that hamster was quite a I used to have one so my parents bought me another one so there was a pair


and ya without realising, they actually started to mate and the whole cage was filled with hamsters like twenty over pieces of them yeah, that was a one of a lifetime memory of a pet ah that I'll never forget


so traumatising but at the same time it also left behind memory memory many memories lah for me I guess, yeah, next one next one would be what are the dreams and goals that you wish to achieve before you die


you wanna start first I ya


ya for myself, ya basically my educational goals as well to obtain as high as I can in terms of yeah degree, masters and all that as well as err


I would like to make some impact on the world as to the best of my limits to change some system or to instil some culture within organisations


at least ya there is some sort of, system and yeah within different areas organisations, more of like a consultant that I can actually give advices makes some difference lah basically ya


in life there's so much in life there's so much more and it's never gonna end


so ya it's just very interesting yesterdays go by you see more things you experience more things, you meet more people


ya you actually just everyday is different life is so unpredictable and full of challenges which I like a lot, instead of the norm yeah


you wanna share, positive positive experience


okay ya okay describe your favourite food during your childhood


ya ya ya ya food lah ya food listening, favourite childhood food, let me see


snack err maybe the the potong ice cream you know that famous potong ice cream, that we used to have during our primary school days ya that one that would be a memory lah that would really be something that I'll crave till now even from a child


when I was a child, ya yes yes yes ya


yes yes


jurong west jurong west market there's one ya a bit in ya two different sizes


yes correct correct correct, okay so next would be what are ya


okay okay birthday present birthday present what what was your best birthday present in your life


uh yes


for me would be my first mountain bike I think that was a very nice birthday gift that I'll I'll not forget cause I'd many memories, yeah my my mum


yeah yeah sort of a gift lah, okay so ya many memories with the bicycle we went through I mean I took that with my friends went all around the places we went to like cemeteries and all so it was a good experience and without that bike I wouldn't not have seen that side of


singapore ya yes yes correct, and what I okay what what what is a skill or an ability that you are secretly proud of having


a skill like some sort of skill doing house chores or something like that like what kind of skills


it's a skill that many new generations ah they are not capable of doing so it becomes a rare skill, skill ability


maybe I would say driving driving skills


because secretly I have that kind of ability so called in me lah that, I can drive well but yeah most of the time it turns out well rarely fails me so ya I feel that driving as a skill you can't like


sit for exams you can't like take a PHD in driving driving is just driving everyone gets their licence but driving it is an whole new level and driving it well is another level, so I feel that there are many levels and yeah personally I I put in all lot of effort


okay


okay describe describe a moment when things turn out better than expected


in your life, turn out turn out better than expected like in a situation or in an environment


okay, myself , !wah! I've many moments such I've many of such moments lah actually


so ya ones one that I'll describe would be, err things turn out better, like my results in school my results as compared to the effort that I put in it's quite quite a surprise by my yeah O level results cause I didn't really ya put in that much of effort and I was expecting


to to have sort of did badly but turns out not too bad, ya so ya, yeah that moment many moments lah when turns things turn out better than expected especially when ya I also have an experience with with job applications


and the, and the duration when where where I had to wait was quite short as soon as I graduated and secured a job, it's quite a short duration and I didn't have to actually wait so much ya okay so next one err


uh talk about the time when when you experienced personal growth, personal growth any experience from your side


yes sure, personal growth as in your career advancement you your growth growth like how you grow over the years from like O level student to A levels to what degree holder that kind of growth okay forget it


okay, can choose choose another one uh okay you start first


(mm) okay for myself


finance, okay damien maybe you want to start asking the questions


err so for me I actually had uh, invest my money in ways where number one I have cash savings in the in the bank uh so uh in that way I I'm depending on the banks uh interest rate uh so for example like I use the DBS multiplier account


uh and then you'll you're able to get up to if I'm not wrong about three per cent of uh interest rate so I I see that as a part of uh investment and another way is similarly you can also do like uh, fixed deposit err in your bank account and err and then you know from


there uh different banks offer different rates so you see which bank is good for you err and err something, oh okay okay sure


okay okay


err okay uh I just have one thing to add is that uh another one more thing that I I I like do is to buy blue chip stocks so err so these are stocks for uh for example uh like apple


or even like disney uh these are stocks worth investing so this I mean these are some good ways to save uh save money uh so I'll I'll like to ask you err question number two, so what is uh what strategies would you recommend to someone planning for their big ticket expenditures so for example if they were to start a family or buy a car or a house


okay


okay err I I I I'll, also like to share so err I would say that uh if you were uh maybe say buying a house for example uh I will say that uh if possible uh


you you start saving early so then you can actually pay for your home in cash if possible , that's because you want to avoid the you know uh paying the accrued interest that uh in the CPF uh and you might also want to consider renting a home


instead of buying a a home, instead uh yeah that's that's just my opinion, yeah yeah, okay


maybe could we answer based on like if we, if we are married yeah in the future so maybe I'll I'll answer err this question so I think that, if I think what what you mentioned earlier following the the the fifty thirty twenty per cent rule


it's uh it's a budget rule uh spending fifty per cent on your needs thirty per cent on your wants and twenty per cent on your savings is is a good way to also manage your financial commitment after marriage, uh personally I don't follow this rule now I would say that I would before marriage it's you have lesser commitments maybe you're living with your your parents so you could actually save much more err


uh money I think you could save more than uh maybe say about forty to fifty per cent of you uh of of your cash on savings instead, ya ya ya


you you wanna answer first


yeah definitely yeah so so so my so some of my friends uh they've actually started some like uh uh home own businesses so during the post COVID world maybe err in terms of your your spending habits uh or your saving habits you definitely have to cut back more


but you also need to find other ways to to find more income a lot of people have like lost their jobs, during uh this COVID period so I think it's , yeah it's a good time to to see where your strengths are at uh maybe let's say you can do like a home based business such as like tailoring uh baking cookies uh et cetera uh and another way is your spending habits maybe you need like for at during the post COVID I find that


you know money is scarce you need to find ways to live more simply so maybe you have to reduce your luxuries, uh you need to reevaluate on what you actually want versus what you actually need yeah so this is something that I personally adopt in my daily life yup


okay so I'll ask the next question so what do you think of uh err so its financial independence and retired early how can one achieve financial independence


okay, uh I I would I would also kind of agree on that your opinion because I I find that uh if you have, more than one one uh more than one income uh one property sorry


then uh you can uh you know give your house for rental and that's a source source of err income err I think financial independence uh planning for it early early on in your life not not when you hit maybe like your twenties I find that


even like in secondary school I think this this should be like you know ingrained into the students as part of a module or something because the earlier you start the the faster you can actually get financial independence and that's that's, that's very important in terms of how one can achieve financial independence other than the ones you mentioned I think it's


uh smartly investing your money , ya uh true you know uh it could be like you know having like ya like what you mentioned like buying gold bars buying insurance savings buying blue blue chips stocks or even like saving through the singapore saving bonds whatever it is you need to find more ways yup


okay so we will move on to the next question, done


what advice would you give to someone to get him out of debt


ya it's true yeah because some people some people have also


okay , ya I I I agree with you I find that uh some sometimes people are in debt because of their habits so uh maybe like they they like to buy like four D or like TOTO for example and uh and then this is habitual they can't get rid of the habit


so maybe they're they they loan money for it or if they want to buy stocks they loan money from a bank uh and then they to fund their stocks so it can get people into serious kind kind of trouble so what I would say is that you need to find a way to break out from your your your your your habit


so you need ya and then another thing is that if you are not able to find , a way err you know to to find a way to to come out from this you need to get like a financial advisor


uh instead or someone else who can look, at you know that yeah okay that's it, err I don't personally own a credit card but I find that it it has got a lot of benefits you know you could


uh one of the ways is that you could actually build up your your credit score when you're taking a loan, ya, and also uh some credit cards they offer a lot of benefits like some some of them have like the the the the krisflyer benefits so you can actually get the miles and then eventually you can fly uh you can fly somewhere for free literally


yeah do you have any opinion on that, okay okay


err I would say number one find a source of passive income


yeah, I think invest your money smart in a in a smart way uh and then also my last my last advice is to live more simply cause I think that you need to find how much you need to live you know if you are if you are if you're someone who needs like


like you you maybe for example you you can't cook so you need to go to and you don't eat like hawker food you need restaurant food everyday you need to calculate how much that is gonna be like so if you live much simply and you're a simple person , you need lesser money to live comfortably so I I yeah


how do I manage my CPF savings


ya so so


yeah actually this scheme is not implemented yet I think it's gonna implements in next year it's the match retirement savings scheme err, yeah and I understand that uh they are also doing it for some like other baby like if you have kids also they are also doing top ups as well but I I forgot what's the name for the children account but


I know that uh for your for if you don't receive your the basic with I mean if you don't meet your basic retirement sum and uh if you top up right the government actually will uh matches every dollar err in terms of the cash top up uh meet


yeah yeah, so err, yeah, you you ask, maybe you wanna go and uh you you wanna go at it first sorry


yeah


uh another way another way is that uh you can actually file, for deductible expenses from like rental property so let's say if you rent your house and you are I mean I mean of course you'll be paying more


property tax so that is ya I think will give some relief but uh under deductible expenses you can actually get some relief like for example like, fire insurance or let's say uh mortgage interest ya things like that ya you can actually get relief and then uh I know that if you if you top up your CPF you can also get income relief but that's also


ya you cannot top up as and when you only can top up I think up you can top up as much as you want but the government will only give you a income relief of up to seven thousand dollars, ya okay


yes I I I I don't think, I mean if you have sound in financial knowledge I think you should you should you know DIY but for myself that based on how I invest my money or how I spend my money or even like


the breakdown that I mentioned before is it's all through my financial advisor, so I think it's it's also important to get someone maybe from the outside to see how you spend your money maybe you are not able to critique it on your own ya ya ya so someone like that will actually help a lot


err saving goals err I I don't have a saving goal right now I'm just saving as much money as I can ya


uh yeah I I have err so I do this uh, I forgot what is it call but I do this like direct deduction I think it's called standing order


you so I do a standing order on my on on my on my the account that I actually my where my salary is actually being credited and then I just cut the money off and then I put it into another account so that you know, that's my savings and whatever I have in the balance is my is my pie so I I just spend that yup


that's my my saving habit


I I I think that what you can do


sorry it's my, dog it's my dog, is there a way to cut her out


okay


okay okay I think she will stop I'm so sorry I can't stop her uh okay


okay ya continue ya okay let let let's maybe we can we can, do this question err what's one financial advice that you, would give to you five years ago


you wanna answer that , what's one financial advice that you would give yourself uh like five years ago


okay, okay I I I one advice that I would have given myself five years ago is that maybe


to start working earlier because I I felt that I worked only like, I I only had a a proper job after graduation, I I felt that maybe if I took on more consistent err and stable jobs uh


when I was studying I could have actually build up my CPF and some way it would have actually help me now if I would have wanted to get you know married or if I wanted to buy a house the the you know the cash in my C my CPF would have accumulated to a sum where I can actually use it


and then another thing I would have done is, I would have saved much more, err when I'm younger because I find that when you are young, younger you you you tend to, [orh] oh okay I


okay, wait wait wait so I press the red button again, no


negative experience


yeah I I I want to say that I felt very helpless, or, when I lost my mom because my mom passed on overseas and I I didn't like that experience because uh she passed on on the weekend of christmas and then it was very hard to to get her


get her back uh to singapore because the the french have a working culture where they don't work , during the christmas and new year break so it took me ten days to get get her back get get her back here and I felt very helpless because I I I tried I tried calling the embassy in there wasn't much they they could do about it and uh


when she passed I wasn't physically there with her you see so, it was one of the worst times of my life yeah, yup


sorry, I'm so sorry err you you you give me a minute ah I I really I need I'm I might need to let my dog out sorry ah


okay I'm so sorry about that


uh no no I I actually left the door open I don't know whether she wants to come in or out so she will just open the door herself and walk in, ya


yes, yes I have err so I I I had a hamster and uh his name is draco


and I I I I, yeah I I loved him very much because , he was I have had many hamsters but he was the hamster that was the most sick, he had uh glaucoma he had a tumor on his his his thigh he he had a wart growth on his his ear he was the most sick hamster you know and he's been through multiple surgeries


and so on and so forth, but err yeah I loved him dearly and uh when he when he was gone I, felt very empty because I didn't really you know uh cause my life used to revolve around him I have to like take care of him everything and then this like big responsibility was like gone


gone out of my life so I felt a sense of like void when he was he was gone, and I took some time to get over him sorry, sorry gimme a gimme a gimme a minute ah gimme a minute ah


gigi you gonna keep quiet, why are you barking, okay I I I I'm back


I hope he stops barking, ya I'm so sorry ya okay, okay uh okay damian what popular foods do you dislike


yeah


yeah uh, one of the popular food that I dislike


I can't think of oh, can I say #mee soto# I've never like #mee soto# err, yeah I had I I have that's why I don't like it I don't know why I just don't like it cause maybe cause it's quite spicy so yeah one of the popular food that I dislike


okay damian I ask you this question have you been looked down upon by people in your life, yeah I've I feel that sometimes like people like look down on me but I don't know whether is it like I've I feel some kind of like inferior complex like I I always feel that when they are talking to me they're like looking down on me but actually maybe it's just what I'm thinking


I I don't know whether I don't I'm not sure whether , I I'm not I'm not sure how they feel or anything like that but it's just my maybe my own inferior complex that is kicking in, but but I have yeah but I have had someone uh I have had a aunt who said that I'll directly to me that I'm I you know I'm a I'm a stupid kid that's why I went to like


uh uh a local school , et cetera I mean she had very strong opinions and then after that many years later she regretted what she said and then she told me that I uh ya I'll, be a wonderful child child to have yeah so I have been looked down upon by very close relatives before


ya okay


I I I don't I I can't really remember of a time where I get I got very angry at someone before


uh furious uh, I'm never that furious but yeah I can't really think of an event that really made me very furious uh


maybe I can answer ya I can answer this question the what kind of person to you hate the most I feel like I can answer that yeah, okay , okay I I I


I honestly hate people, who are extremely luxurious, or, they like to show off their money or, the kind of people that I hate uh, are also the kind of people who do not have any kind of sense of like morality they just do things to make money


maybe they don't think about the earth they don't think about the people around them uh, ya so basically what I'm trying to say is that I hate very uh, uh uh selfish people people who just just ya people who have


self-centered personalities I do not like them yeah uh, people who are condescending I don't like them as well ya so these are the kind of people that I hate the most, ya and also those people who are very quick to judge uh so they maybe don't even because I experienced this a lot maybe they don't even know you that much and see you from afar and then they they and then they they just decide to judge you


uh very quickly on the spot yeah so I hate those kind of people


ya I hate I hate I uh people who are not genuine liars basically people who are just lie to your face ya, I I


yeah, yeah, yup okay err okay


find a girl


I have never wanted to take a revenge on someone because I just cut them out of my life immediately, yeah


yeah err


revenge, damian I really never take revenge before, I I don't have no leh


I never retaliated in this way err, yeah I'm always a victim unfortunately and I just don't care I just just get up and dust myself and go can can I can we answer the question on like maybe


I'm not so proud of this actually because it sound so uh so stupid now but I was dating someone, I still am dating someone uh when I was much younger and then my friend actually told me like like !hey! are you like dating this person because like you know you're just dating this person for fun and I'm very traditional so I don't date for fun so I


told I told them like oh you cannot make like such err, you you cannot make you cannot be so quick to judge me like that and then and and and the person actually turned out to be very furious she she she she she turned to me and then she got so angry about it so I couldn't really understand her so I just cut her out


of my life because I just that just like I just just couldn't get her and then she couldn't get me and felt very toxic so I just yeah I ended the friendship like that yeah but she's actually a very fun person so I feel very sad okay ya


uh we have to look through, is there one thing you could change but will never be able to, damian you have anything, can I start


I feel like secondary school I felt that I I could have, been a much better , student I I pride myself on being a good student so I felt that I would, I will never be able to to have the opportunity to do that again and so that's one thing that


I wish I could change you know is that


uh uh one more thing I wish to change is like the environment like I I mean can the can the hole in the ozone layer be like smaller I mean these these are things that I really wish I can change or like even for the animals that are being extinct like you know like the emu


like the saber toothed tiger I these are animals that you know, I feel that I feel that they should if it's not not for us they would have still been around but because of humans and you know our actions


yeah a lot of animals are gonna be extinct and I really like animals a lot so I find that for my generations to come I I I they can't be they they won't be able to see all these uh beautiful exotic animals uh here some of them are like close to being extinct now uh ya


I I wish I could change that but, uh ya, I I know that that something I can never bring them back, ya okay, yeah there's so many things that I wish I can change by will never be able to, ya okay uh


maybe we uh we we we we find, uh okay this negative experience is a little bit harder


oh okay I often worry about money I don't know, why I feel that I I have this thing where like I want to like accumulate a lot of wealth but then at the same time I'm not really sure what I want to do with my wealth but I'm always worrying about money and uh


ya, I I I just I just I don't I don't know how much money is enough money also, and uh I actually get very like I beat myself around when I have to like spend money, or err


I have to spend I I feel very guilty I I always go on this guilt treatment I have to spend even on simple things like food I would like do I really need to eat that yeah, so so that so I actually worry about money very often and why I worry about money is cause maybe uh I didn't grow up


uh I grew up poor not very poor but like urban poor so , uh I I think that's cause that's the reason why I I value money a lot yeah okay


yeah right yeah right right now I am worried about you know not getting and I always worried about COVID, so if I have a slight flu or cough I I I get very agitated I'm like oh no what's happening to me and I get so paranoid to even step out of the house yeah it was it's very it's very bad yeah so yup but mostly is money yup


are we done stop singing [oh] okay


positive experience, okay uh, okay so maybe I'll ask you the questions damian err what were some memorable moments from your younger days


okay uh some of the memorable moments that I had from my younger days is err visiting farmart so err I think farmart I think now is very different from the time from when I was much younger uh it it it used to be


filled it it it used to be like uh a place where where pet lovers gathered and uh children you know you there were a lot of hands on activities like prawning uh you could actually colour do some colouring for the kids while you get your dog groomed or you know


ya so for me that uh, going to farmart uh was was very exciting and and it's something that hold dear and I will never get that experience again cause uh farmart is no longer the same yeah, okay so maybe err we can talk


about our fond memories of a, pet that you have or once had, maybe can I start first, okay so unlike a lot of singaporeans I my first pet was actually a pet chicken so I always wanted to have a chick or a chicken so my dad actually has a friend who owns a farm here and he brought me a chick back home and that was my first pet


so uh raising a chicken in a HDB is very interesting so


so I only had the and it grew very fast it big very fast so I only had that chicken for about I think a month after it was gone but every time someone shares about the experience of their first pet they always say like a dog or cat or a hamster but mine was my chicken ya


so ya


okay okay


okay you wanna go first okay I'll go first err okay so I I I do have some educational goals, err uh maybe I I I, would like to you know kind of


obtain a higher educational level maybe a masters or PHD before I I I die , and, I would like to make some kind of social impact in the world I haven't figured out what kind of impact yet but I think that it's important to to to help others in need or in distress


err yeah, so that's one of my dreams to to help others but I I really don't know how but everyday I live by the motto of uh if you if you have done something good or if you have helped someone or you have been of service to to to someone for that day


then I think I I I I've met my goal for the day so yeah you you wanna share anything damian


okay okay okay


I haven't uh dream dreamt a lot so I uh maybe have to think about this question more next time err okay so the next question is what do you love about life


yeah


yeah err what I love about life I actually don't really love my life that much uh, unfortunately


but uh I would say that uh, I find oh, okay sorry thanks for reminding me damian okay I I I I, mean I I said that but then uh there are a lot of things that I am grateful for and that's what I love about my life so for example


you know I I'm you know I feel grateful that that you know we we are in a safe and secure, country I love that err I I get up I am able, to you know experience different cultures I I'm able to meet people I'm able to travel the world


and honestly what I love about life is that life is no not err uh it's not gonna be a smooth journey it's gonna be up and down you gonna cry you gonna laugh and I think that's what life is about and that's what I love about life is that you get to experience all these


emotions and and in this uh in this way you are actually finding your purpose and your footing in this in this world ya okay so uh enough said about that err


describe my favourite childhood snack food or snack err, uh maybe you go first since you are a food lover


yeah me and I miss that, okay ya


when I speaking of primary school my my my favorite thing was to go to like the and I think every primary school will have like a snack stall and my favourite stall was the one that it it it will always sell all these things for twenty cents so like for example do you know the chocolate that that form the eight shape


that was my favourite uh one of my favourite uh snack or yeah I don't know I wanted to say #kueh tutu# because #kueh tutu# is very hard to find nowadays and uh growing up, #kueh tutu# and #muah chee# was like my favorite food to to to eat and I cannot find it anywhere now unless I go to queenstown or if there is like


what do you call that those like night, ah ya so ya correct so uh that's my favourite childhood snack ya, yeah and the biscuits also do you remember the biscuits we I I I I I I I like to eat uh those those you know that they sell it in that aluminium tin you can't find those any more those are my favorite uh so I enjoyed that very much


okay I can't see the next question can you see okay , where my best birthday present and why


I actually received err uh I I I actually have a favourite birthday present and uh I and my favourite birthday present is someone uh someone dear to me actually sent my, photo to to to to


uh I I don't know a artist to get it sketched so uh I have a drawing of me err of myself and I love that drawing because I I I have it hang hang up in my room right now but I love the drawing because I always say that when I have grandkids I want to show them the drawing


and of of myself and I just think it's something so vintage that you know my grandkids can put you know in in in front of them and say my grandmother used to look like that, so I yeah it's it's a very rare and personal gift yeah and that's like my favourite birthday present ya cause no one has ever done that for me and it's so personalised


yup okay err, who gave you that gift who gave you that gift oh okay


okay okay okay


okay, uh okay, a skill or ability that I'm secretly of having (hmm)


actually you're right I'm very good at cleaning but I wouldn't say that's a skill err, uh yeah


maybe you answer the question first I I need to think about it so maybe you can go ahead and answer the question first


okay why


okay oh okay, I've I've found out what is my secret ability, I I think right my secret ability as in not my secret ability sorry my skill right and my ability that I'm secretly proud of having is that


I pick things up very quickly so whatever it is right I will learn fast maybe cause I have that you know that I'm I I always uh believe that you know learning is forever, and so maybe that's why I pick things up quite quickly so even if I if I don't have much knowledge on it I always try and and I will learn it very quickly and I always have this uh like don't like don't say you don't know attitude ya so maybe that's why so


yup okay, describe a moment when things turn out better oh, oh okay err so err


so I I think when I got my first job, so I actually applied for hundred and forty two jobs I counted before uh I actually graduated and I was trying to get a job


ya, because I thought my my degree was not err, I have a social science degree and so it was not very it's not easy to employ people with social science degree so I I tried for many jobs and err


eventually the the job that I actually got err I I went for interview and you know the first that it wasn't a very reputable company but the company rejected me and I was you know I was I was devastated and then


and then err on top of that uh I had another, interview with another reputable company and I wanted to be in the company very badly, but I was gonna go uh overseas for some vacation with my family and so then when I I I thought that because I mean you know I told the company that I can't make it for the interview et cetera they were gonna throw me away they was going to say that oh you know maybe she's not interested or keen


but eventually I got the job in ya so I didn't expect it at all I thought it was gonna go downhill and uh yeah and I thought I was gonna get rejected because the first company wasn't as good as the second company yeah, so like ya I was quite happy


yeah okay err, how about yourself yeah describe a moment when things turn out better for you


yeah, I think so too, oh


okay


yeah I experience something like that too okay, okay okay


personal growth err


I can we skip this question I haven't experience much personal growth, I don't think never


never grown much I feel like I got so much growing to do, uh maybe I should talk about it when I forty years old, okay never mind I I I I I I I I don't want, talk about this can we can we can we talk about something else maybe uh okay what are you


thankful for err I am very thankful for, I am thankful for everything that I have I I I


yeah I used to I used to have this habit of thanking my mom, uh I always say err thank you mummy for the food that you put for me and then of course some people also know I always say uh thank you to god for the food as well


and then uh I I used to start my day like that so I'm always very thankful but uh some of the things that I'm very thankful for his having uh some some close dear friends with me, uh I'm very thankful for my family err for being with me cause I know not everyone have that and I'm also thankful for them because I've had a very


very guarded like I grew up in a very guarded way so I didn't really experience a lot of the external influence in life because of my family and I always felt very safe, err growing up I think that's that's one of the reasons why I'm a little bit more


don't want to say rotten apple but err I, I didn't experience a lot in life that I would regret because of them so so yeah I'm just thankful for my family, and uh everything around me ya okay you you can you can say


financial related topics


okay uh so we just read out the slide correct so do you have , I just opened now okay uh I think basically we do have a savings account I think basically uh it's quite important got all your pay comes into the


err saving account, , I do have one saving account uh one is POSB uh another one more is for DBS , just to share uh one is for my pay to come in


and the other is one more just, for my own saving and then all my expenses that I need to so that I don't disturb each other, uh buddy you


that's good with me okay so both of us on the same page ah we have two separate accounts so we don't touch the money on, on on either side is like you have that amount of money we park one side you make sure you don't touch and then another separate account is for separate purposes


, I do have another one more account, uh but that is actually a savings account for me and my wife so basically,


for that Maybank account we try to use Maybank because there are not many Maybank ATMs around that's one of it two uh every month uh, my wife and myself will pump in a certain amount inside that Maybank, so let's just say I get bonus whatever right so we pump in everything inside there uh that one comes in for our rainy day


and it's just a bank account there's no like interest or whatever that kind of thing that comes in it's just a savings account we just put it there , usually we are trying to use it like just in case my kids need to buy schoolbooks end of the year we need to buy school uniform uh my wife is also studying so in between she needs to pay school fees or whatever right


and she has an urgency need to use that money then we will kind of use that money lah so Maybank is like our honey pot where uh it's not really easily accessible, but uh we we use it there just to save lah


uh next question would be do you have a credit card or debit, uh, I don't have a credit card I've terminated all my credit cards all, every single thing I've cut all I do have one debit card, uh that's to do my Shopee my Lazada my online banking


and , for credit card only my wife has one, and both of us agree that we should only have one and it's only for emergency purposes such as like hospital or bill or something like that


and the credit limit is also very limited it's only five hundred that's it, banks have asked her repeatedly to uh increase the credit limit but we have stopped it, and my wife also doesn't want to increase because uh, the higher the uh credit limit


uh it's also hard to control your credit spending limit ah , , the reason why I choose not to have a credit card, one of the reasons was uh, some where back in two thousand to two thousand ten I believe somewhere between that time frame


, those youths at that point of time where they were at the age of twenty plus most of them had a difficulty in managing their credit cards and that's where the period when you just start to grow and start your new job and stuff and basically thirty thousand per year should not be an issue and working at SIA at that particular point of time


, it was very easy and, when you are newly married or uh you are a young youth ah there is no , uh there is no barrier or there is no guideline ah where you actually say that okay I'm gonna use this card I'm only gonna use this much then that's it


it was like a free okay need to use to buy house okay buy find find furniture and if if you didn't have any commitment most of them will will will spending on stuff, and as a result of it, most of them are, either face bankruptcy charges or they were called to court


for outstanding payment and from a loan of a credit card of three to five thousand it can escalate, to a very bigger number, and not only that you have to pay for the legal fees your court to high court then there's a freeze in your bank account and all these kind of things so it kinds of affect your credit bureau lah


so that's the reason why, uh along the way uh I stopped using all these credit cards so if you have that money you use it you don't you save up you just wait for it, , buddy your thoughts


couple should combine their finances ah , uh should they there's a pro and a con lah there's a pro and a con ah so when you're in love the whole marriage is beautiful with with roses ah, cannot use vulgarity ah with roses ah so


everything you will share, but the minute where you hit the brick where the word divorce comes in right oh that's my money that's your money that's my money and everything becomes like, it's like a small kid lah I Chop this one first it's my money that kind of money so there are certain parts in my opinion there are certain parts which you can have a joint account


like what I said, I have an account which is a Maybank I just put the money there and, you know it's being used for my kids I don't have the credit card for it uh I don't have the card the ATM card for that Maybank so my wife has that card so usually she will tell me what she wants to buy and then okay go and buy and it's usually for like kid stuff you know and then just in case one or two stuff that we need for home


either than that no , combined finances like I said there's a pro and a con when there's a divorce or there's a disagreement it comes it in and it's basically a lot of trust that you need to have for your spouse you can have an account such as these for general expenses


but uh my drawer, is also my own personal account so once in a while I will have like ten dollars five dollars that I will just hide somewhere there dude dude shit seriously sorry cannot use the word shit so


it's for my own personal thingy so just in case if I want to buy something for my own, and you know I want to buy let's just say buy a new manchester jersey so I save up on my own that is nothing to do the joint account there is nothing to do with the expenses that I need to pay so it's on my own personal saving lah so that's my take on it buddy you


just just to share with you ah buddy so , being married ah and , I I I totally agree with you that part with the trust part, and , as much as uh we trust each other


I'll, the day I got married ah so I shared with my wife how much my pay was, so it's very transparent this is my pay this is how much I'm paying for bills this is how much I'm putting in to our account to save and this is how much I will spend for my expenses that I need for daily daily expenses or whatever lah so I I I agree with you where


my wife settles the kids the marketing money she she parks that aside, all house bills all goes to me, electricity, aircon service fee and everything goes to me so in that aspect ah it's laid down that okay I have this amount I'm paying for all these these these these this is my balance uh it's a bit of transparency to show how much is in my bank account although she knows but I do share it


uh so that at the end of the day just in case uh, there's any doubts or whatever right so she roughly roughly knows how much my bank account ins ah and the reason I do that is actually to have some, uh realisation that this is what we have


this is what we're going to spend, because it it it's good to be clear that eh you know this is what we do and we are living in singapore, uh if not uh buddy nothing I'm just gonna move on to the next one, uh do you have a high yield bank account or fixed deposit uh


I don't have a fixed account, but my children have it so as soon as my my wife gave birth to my boys, uh immediately my wife started a a a fixed account where every month we put a certain amount of money inside and if I'm correct after ten ah ten or fifteen years something like that uh


there's a certain amount that comes out, and I think that would be just nice where they would have either finished secondary or about to finish secondary and this one can actually park aside to to be used for their educational purposes as soon as they reached uh poly if it's not going to be used


I will take I will keep because if they're gonna go to uni there's a lot of money that's going to be used and I I I think that was the main reason why we did a fixed account for our boys I don't have it uh sadly no uh I still have to pay for electricity conservancy charges


so there's no fixed deposit for me lah the only fixed deposit is I'm investing in my kids lah that's it, okay so I'm gonna skip to next question what age should a child be given an ATM card to manage your okay


this will be interesting so technically what my wife does is right err, there is a CDA account for my boys, so what she does is uh from her pay she puts inside her Maybank whatever you know all these kind of stuff she parks aside money for the boys, both the boys


and that money is used for his school fees or whatever just in case you need to pay anything for the boys and everything but the card is not with them, even for my eldest which is in secondary school ah the card also I don't think so is with him, uh, I believe the right age to give the boy a card is either when he reaches poly


and either than that in secondary school it should be within the parent who will give the certain amount, if you want it I can put in flashpay but either than that no, uh secondary uh poly will definitely need yes lah, that's where I need you to be an adult where I'm trusting you but I think should be uh


bank account should not be a credit card, uh should not be a debit card should be a, a a a a POSB bank account


financial literacy ah uh is is actually taught in schools and at home it should be also be emphasised so to to talk about the ATM card and stuff ah , the EZ link for my kid ah


can be used to store money so he also been asking me eh store money inside there we know that they want that money to be stored in a card and the first thing I haven't even given him an ATM card ah it's only an EZ link ah I stored the money inside there first thing he did was he bought a ruler


and he used the money to buy some stationery stuff this is the first thing about financial literacy the first thing that you do, you have a card that has a fixed amount inside he go buy a ruler, and he bought the ruler and after he bought the ruler, he came back, he was scared shit because he knows I would scold or the mother would scold right so what he did was he threw away the ruler


threw away the ruler, threw away the ruler bro so he threw away the ruler okay fine so be it so came back then after that he told us that he bought the ruler so we asked him where the ruler was oh I was scared you would scold me so I threw it away so I said at first I'm not angry but now I'm


I'm I'm I'm a bit puzzled why you threw it away so I had to, if I'm gonna beat him I'm gonna cane him, then the message going across would not go through, so I had to sit down to explain to him it's like the money I put in your EZ link was something for you to use just in case if you needed to buy anything because either than that


we do give you coins in your wallet for you to control uh if you save up you put it in your piggy bank or you put it in your in your coin box or whatever it is at the end of the day you can go and buy something with it I'm not going to stop you with it but your EZ link is something that is needed to buy just in case emergency you need to buy a book


but the best part was he threw away the ruler so now I have, to reiterate to him to tell him that look if you bought it you have to use it and the best part about financial literacy is you need you buy, your wants versus your need


if you need it you buy it if you want it then you need to ask yourself with a question whether do I need it, do I want it now and do I want it for something and, the sense of urgency and, err prioritizing ah, I I


if I have a a bunch of bills to pay but which is the most important bill that I need to pay oh I need to pay your your your uh electricity and your bills and whatever first because why that's the most important thing we don't pay that's it it's going to cut, so, I know for kids it's a bit difficult to understand


but explaining to them on prioritizing, which is important what to do what to buy and when to buy it I think that would be very important ah because you know right oh I need a ruler I must buy but inside his pencil box there was already a ruler


I don't understand why he needed to buy another one more, so I think educating on financial financial literacy on that financial education part should begin in as soon as possible as soon as they have that, uh power or


uh in possession of even some coins ah, or some notes they need to understand what do I want and I I want to do with it lah buddy, okay, we are quite good, uh either than that housing loan make sure pay your housing loan you go and buy a house within your limit


if you know that your, your, monthly expenses is only that much if you need to buy a three room you buy a three room if you can afford a four room you buy a four room that's it, , yeah soon buddy soon, yeah almost there already buddy okay


we are about thirty seconds away , student loan ah, student loan very important student loan is, yeah so I'll, my student loan came from my godmother thankfully she had money so every month I'm still paying I'm still paying off that student loan


shit bro okay


uh negative experience, okay buddy,


first one we don't talk about nobody cares lah ah somebody will definitely care for us one bro so talk about the most heartbreaking moments in your life bro, bro I I've got handkerchief bro standby already bro, I cry for you bro I cry for you


okay bro tell me your most uh heartbreaking moment in your life bro,


, ah I can foresee that bro


shit, oh shit


ah oh yeah yeah


bro if not you play for singapore already bro you Macam Baihakki bro go thailand play already bro, ah ah, but but thanks for sharing l I think you mentioned this before but was not as detailed as this, uh, definitely you would have played for singapore lah ah so now don't worry now both of us we all play centre back ah so we will hold up the defence when we go play for students


I think one of the most heartbreaking and saddest moments I think it was when I was err I got divorced err, when for my first marriage lah so I think you know this is my second marriage I have two new boys and everything is going well


the heartbreaking part was , that was where financial literacy kicked me very hard, uh that was where uh I paid for everything, I paid for renovation I paid for her delivery uh and it wasn't like a normal delivery it was a a delivery at


gleneagles it wasn't cheap, and and, everything was paid for furniture paid for and everything was done you know and house was bought, and, it was partly my fault that I kind of jumped into that marriage because I just got off from a relationship a very long term relationship and immediately within two years I got married


to this girl uh, there was an age gap for five years and result of the divorce wasn't so good, uh my eldest followed her uh because being a young boy but , financial literacy err


was dumped and shoved down the throat where I had to pay for everything now all the credit cards all the renovation loans and all that kind of, thingy it stuck to me and the sales of the house, , she didn't have to pay a single cent for anything


everything was her was for her was was clean and I got about seventeen K, out of selling the house and despite paying off the loan I still had, uh I still had a little bit more loan to pay off and on top of that I didn't move in to my parents


I rented a room I was homeless I rented a room I had to pay for a rent for a room, and , it was shitty lah bro it was it was freaking shitty lah pay for a room pay for matrimonial money still have to pay her some more you still have to pay for outstanding loan


of the house which is the house is not even freaking mine shit the house is not even mine I was just freaking paying for it and, and it was it was something that I had to take care of lah, that to me was a very big turning point and


it was a a very, steep learning curve lah you know and , it's not that I had the best of childhood, you already come from a challenged childhood, and, you straight away jump into this and it's like another challenging thing but the most heartbreaking was when my ex wife compared me to my childhood lah that wasn't a very


good specifics because it's like a totally different thing and you know about it and then yet you choose to marry me but suddenly out of the blue you know it was used against you, and uh, the differences where you the sad part was you still see people


you still see people coming from a very perfect family judging people coming from challenged childhood, and sadly today I believe you, you can still see in your Vasantham central your Suria, your channel eight and whatever there are still people from established families or I wouldn't oh okay I wouldn't say the word established families I would just say a perfect family


it can be a middle class, but, you see your future partner coming in from a very different background there will be definitely some form of comparison that will be done, definitely they will be done ah how come my family can be for functions but your family can't be for functions and this is quite


quite upsetting lah, because when you say you get yourself into married you know what you're getting yourself married into, and marriage shouldn't be taken very lightly ah it is is something which you are committed to for the rest of your life because you going to see that lady for the rest of your life you know another forty years with that lady you know you better think about it you know you are you are putting a stop to all other ladies that is coming to your life you know you'd better think about it


, bro next question this one will touch our part bro what is a popular trend that you dislike, ,


uh soft voice bro soft voice


the one of the trends now that I I I dislike is where, self entitlement lah, self entitlement where, the younger generation or ah maybe maybe we can use the word the the newer ones ah millennials after the millennials ah


you are entitled for everything and what happens to hardship, oh I'm sweaty now I need the aircon, no no no no no you know and I don't have my I don't have my handphone I cannot eat, I don't have my tablet in front of me I cannot eat I don't I don't have that ah I cannot I'm entertain and it's it's a trend yes I know it's a trend where you think that you are entitled for everything but


I need you to endure some form of hardship I'm not asking you to carry sandbags carry bricks and no connector I just want you to go through of some form, of uh gratitude, where you actually understand that turning on your tap


it's actually good enough you don't have to walk all the way another ten fifteen minutes to go get water from a well or something like that, having proper attire to go to school having a desk to go to school is good, other kids don't even have desks in their schools or whatever it is okay singapore is very privileged lah but


I'm making them understand that you are having a comfortable life compared to others that's the trend that I'm I'm I'm trying to talk about lah ah boy you know I, I I don't have many likes on Facebook I don't have many likes on Tiktok you know these kind of thing you know showing out my uh my body will get more likes and this is a trend that needs to stop


showing on doing all these just to please others to get some form of gratification ah this one has to stop, yeah uh buddy any other question


hurtful words ah bro that I wish I would forget ah, I think my ex wife has used a lot of words, and a lot of vulgarity was used also in between, so


part of it was described that I come from a broken family, and , I wouldn't understand uh certain family aspects, in terms of inviting people having a very big function you know these kind of thing


and it's made to look it's it's made to see that I am like some form of second class citizen where I have never had some form of, family background, because technically my aunt took me in so I was lucky in that way so,


there was a lot of family cohesion on my dad's side, so even though when my aunt took me in ah, and when I go over to my family gatherings there was a lot of uncle auntie cousins there was a lot of family thingy and the hurtful words was used to be as if like oh you come from a you come you come from a very err


err dysfunctional family ah, ah so you won't understand all these ah you just let me handle, so these are degrading lah coming from, your spouse and your spouse is younger than you, and


it's it's kind of uh, humiliating ah I would say


oh I didn't know man buddy, ah yeah yeah yeah err err either some yeah superstition or that kind of thing ah


oh that's deep man bro that was deep man bro this is like a very eye opener for me [sial]


buddy your camera missing lah buddy


ah okay before I go to the next question buddy thanks for sharing this with me because I don't think you have shared this to anyone, and , that helps me understand you a little bit more better


knowing our asian culture and and and and their behaviours at certain times ah, ah, it's it's it's definitely heart heart heart heartbreaking to, to, to experience or to know or to to come up and hear all these words and stuff lah but


I just want you to know lah bro you you did you did right by your mom and you stood firmly and that's why I I reiterate again so you have a very close uh, you have a very close circle, and those under your wing ah are like really protected


so that's why I said when you will jump in front of a bullet and a gun ah you will you will really do one so, I thank you for who you are bro despite whatever, history or background and you still stood where you are and that's one thing good lah and