uh we may have experience of fear, uh, uh she one of the ones that I saw was she, uh, she was jogging home from uh a job lah, and then after that she go home then she saw a person following her until she reaches uh her door that it was quite scary you know sometimes when you come home and then you suddenly feel like there's a person following you actually there's just nothing


so it was quite eerie, to see her video even though she is uh just doing a reenactment or just uh just doing her own video lah because she edit it is not real but it's just that when uh I was looking at it gives me goosebumps cause it's like something maybe we have experience


ya ya it was quite popular


okay next one describe a time where you feel, that you have committed something gravely wrong and there's no way you can get back and start over for me it's not really something that I have done wrong but it's actually it's wrong and not wrong because it's wrong for me not to check but I didn't do it on purpose uh the wrong thing is that


oh that time right when I was having my final examinations then usually the invigilator will say oh check your pencil pencil case whether you have note or whatever pieces of paper then you have to throw it out, but because that day right I went I I came in late, so I didn't uh


I I started late also so I didn't have time to check then while doing the paper right then I wanted to go to the toilet so when I raise my hand to go to the toilet and then the invigilator come and then they just check the whole paper uh the whole thing they rearranged my task and all that then after that they found this


very very small note is like a post-it so they found this post-it uh with notes on it in my pencil case so they assume that I wanted to cheat then straight away uh they I I couldn't go to the toilet and then after that they asked me to


uh follow them to the, examiner's room and then they ask me to write a report on what happened and how that thing came into my pencil box and now that then I got expelled from school but it was my final examinations lah so ya that was the time the most


a downtime that I had that I really thought like I cannot get back and start over because, uh, ya it was my degree I was ya in the midst of doing my degree and then actually because of that I, I've to start over but I took another course ya same school but another course then is like oh I'm restarting my degree (mmhmm) so it's something that I've committed a gravely wrong but not not that I committed but it's wrong ya


you never do anything wrong before


okay describe an event that make you angry for me, uh let's just say a person I trust the most did something awful to me and I can hardly forgive him but I don't really want to talk about it now because it would make me


angry okay maybe can we move to number four


uh, for me one of the things uh that disgust me is like, , a smell of cigarettes like sorry if any one of you are smokers but I I don't really like the smell of cigarette especially when you're in a taxi right and then the uncle previously smoke a cigarette and then the whole taxi reek of cigarette then


!wow! I don't like that right ya sometimes I request to wind down the windows cause like you want I I I want to puke yup so that is, what is an issue


that you feel upset over because you feel the world needs to be to do more about it, I will think is poverty because as much as we can I feel like we should help those in need because sometimes their current situation doesn't allow them to be uh able to earn money like us because sometimes these people they're born in countries like that right


so they don't have the luxury to work and to support themselves so why not with our, err financial situation right uh it's since it's better than what they're having maybe we can help them to do something lah ya so poverty


in the post COVID world what are some of the worries and inside, please state you face, , experience wise I'm not too sure when whether or when we can start traveling again because I love to bring my parents and my parents in law to see the world cause at this old age I don't think they have seen the world enough


so actually I thought at this age uh uh my age when I'm financially stable already then I want to bring my parents and parents in law to see the world but because of COVID we cannot do that (hmm), yup so that is one of my worry I want to bring them see the world before uh ya before anything else happen


oh, okay uh describe a time when you hurt someone's feeling there was a time in secondary school when I couldn't protect my best friend when uh my boyfriend back then scolded her


cause uh, she there's this book that we supposed to bring I heard the teacher say we supposed to bring and then she told me oh no need ah because the the book is quite heavy you know then you if the teacher don't use it then you have to keep, bringing it back and forth from uh home so she said oh she's not bringing no need bring ah and then I say okay lah no need to bring then the next day the teacher


uh use that book and then whoever who doesn't have that book, uh has to stand or something so me and my best friend we stand and then after the lesson right uh cause my boyfriend back then he asked me to bring the book cause he always bring bring every book he's very very diligent so me and my best friend stand behind the


the the school uh the classroom right then after that uh and finish the lesson then my boyfriend back then scolded, my uh best friend he say who is the one who ask you not to bring the, books ah then after that uh my my friend just cried lah then I I feel so helpless because uh I don't I don't know I don't I don't I wanted to stand up for her but then is not nice also to quarrel with him in front of everybody also


ya so I just ignore then I just go to her and console her lah but I didn't, I didn't really stand up for her so I hurt her feeling


, I think you skip seven but I'm just going back to eight uh what frustrates me is uh when in an argument the person sort of victimised him or herself, myself, uh to stop the argument so it's like when you're arguing right and then the person will just say uh something like uh okay lah okay lah it's my fault lah it's my fault but that's not the answer that I want I I want to resolve the argument not just stopped argument like that ya so it's one of my bad piece ya frustrates me


for me the worst thing that I've witness and I kept quiet about, is when suddenly I receive, uh facebook messenger, a message lah from an unknown then, uh, the person say !hey! you know this person he he made me pregnant but I couldn't I couldn't get to him cause like he change number or something like he block me or something


I keep quiet uh I I didn't know what to do so I just, I just kept quiet ya I still don't know what to do but okay lah good luck to that woman, recall a scene from a movie that made you too angry to watch


uh that's one, series a korean drama that I I watch and then I was so angry especially in the first episode so if you haven't watch this you need to watch it's uh called the world of married couple eh it's about this, uh husband


and wife then the husband cheats on the wife with another woman something like that, but, it really really make me angry


positive experiences, okay describe the travel experience that left you in awe I've not really been traveling to a lot of places but the one country that still left me in awe is new zealand uh that place is beauty the scene the the weather everything is very beautiful ya


what was the biggest reward you have ever received after doing an awesome good deed I've never really gotten any reward that I know of maybe like it's a blessing in disguise or something but I don't know but definitely is self as satisfaction


ya so anytime I do a good deed I just reward myself with like I did well ya but that's about it


describe an experience when your faith in mankind was renewed, (hmm) actually , it's when my good friend lost his wallet with cash and cards in it and then it was returned to a police station with everything still intact, ya with cash and the card again


okay what leads you to experience an adrenaline rush


, for me I don't really have a positive experience having an adrenaline rush uh maybe roller coaster


horrible surveillance, okay describe the moment you felt the luckiest


ya lah then the security very worst I tell you what, describe the moment when you felt


describe the moment when you felt the luckiest , there uh some okay sometimes right when a friend loses the family members or something uh I is is not


it's funny lah but I still feel lucky that I still have my parents around me and my family members ya it's not something to be proud of in front of them but I'm still feeling lucky if anyone of them say like eh I just lost somebody then that is the moment I feel like oh I'm still the luckiest person because I still have everybody


mine was okay because I don't really come, from a , a good educational background family, so my proudest moment was when my parents watch me go up the stage to receive my degree


amazes me is that the fact that I still have a lot of hair in my head because I have a lot of hair fall every single day and hair fall is like crazy but I'm still


what you need also experience is to see and experience the world actually with my loved ones


I'm secretly having uh, if I tell you then it won't be a secret right, but I don't know maybe play hockey


when my husband say cheesy things to me and it's embarrassing if he caught me blush


describe your favourite activity, ya it takes my mind off work and other stressful stuff


mine was when I managed to buy a pretty good location and view for my resale flat ya and get it before my wedding I think that shut everyone's mouth, plus they always think like oh maybe this girl cannot afford lah


what is your best surprise, , my very surprise that I ever did was uh to buy uh PSP uh PS four for my husband back then he totally don't see it coming


your best surprise is you surprise people right, your best surprise is you surprise people right not you Kena surprise right, , your best surprise I thought is like


okay lah go back to your secondary school days


ongoing activity right err, okay for me uh I believe there's always rainbow after the storm so the situation will get better


, what be you used to hate as a kid but now love as an adult uh I've always hated vegetables because uh especially broccoli cause I watched powerpuff girls when I was, younger and then they don't like broccoli so I I don't like broccoli because of them lah because they always say is like not nice right but now !wow! I love broccoli it's one of my favourite vegetables


comfort food for me to cheer me up, uh, maybe bubble tea or ice cream actually it used to be bubble tea so I bubble tea everytime then one day my husband say oh you cannot drink bubble tea a lot cause it's unhealthy so I say okay lah I go for ice cream I don't know what's the different seriously but okay


it's no difference of ice cream, , but it cheers me up


it's person personal preference so move on


oh describe a time when you got appreciated for hard work uh previously right I was working in a social media company and then I did the accounts but


uh it's like a teamwork, so if you do well nobody sees because they see it as a team and then if you don't do well, people will look at it at the team also which is good if you don't do well but I'm quite a goal achiever so if I work hard right uh nobody really looks at my work


so it will be like oh a team effort but actually no but you you know it yourself until I go to this new company right uh where I manager eh I manages all the other accounts so, so it's I I got appreciated for my hard work cause like you can see like who does what right then I'm the only person who


does that in the whole office so if that number goes up then it's my hard work ya so that is the only time I got appreciated from my hardwork after all these years


financial related topic


my investment my uh currently I guess uh just came out of NS I'm still, unemployed in that sense, then I'm studying and all so I don't think uh, I am in a position where I can actually invest the money first everything all all the money that I do have would sort of like come back to investing in myself lah


be it through studies or, through like, other projects so on these kind of stuff, but I do understand that a lot of people would like to invest their money in, like, currencies and stuff I don't know but, I guess just not for me because money like cryptocurrency or whatnot lah


but I understand that, to me I guess, money is just sort of like


you have another account or is it uh or is it to some I don't know investment or what


oh but it just a savings account lah, it's just a savings account lah


ya uh what strategies would you recommend to someone planning for their big-ticket expenditures like starting a family buying a car or house et cetera, uh, okay I will go first lah I think that, for me personally I guess you kind of need to


how to say not predict but kind of have a gauge of roughly how much you're looking at, then to me is uh if you can, what is it ah, oh yes okay so I personally lah for this kind of stuff I would kind of plan six months ahead and since that I will know that in these six months I'll be able to survive without income or whatnot


even with this expenditure lah there's it's enough to sustain six months of my income like for example my existing income let's say for example with NS let's say a thousand dollars, so if I am looking to buy a car so I would have to plan ahead and since that I would be able to sustain six month with without a job and I'll still have sixty-six thousand in this case that that's for me lah so that I have a security in the sense that


in the six months if anything happen I still have a backup plan


I think if I foresee myself uh looking to get something right I would sort of, wait until a point where I feel comfortable AKA the six thousand or whichever not, uh, ya so savings will be one thing and, ya I I do actually


take note of my savings in that sense lah


uh how do I manage my partnership commitments before and after, marriage, but there is no after marriage so, I guess how do I manage my commitments now lah I'm guessing, , financial commitments what what do you mean by that actually


I guess uh I kind of just split up my commitments or, commitments that I, see to have in the future as either it's a necessary necessity or it's a, it's a want lah it's a luxury


ya then if, say it's a necessity then I guess I'll have, to, commit to it and I will have to, make the payments lah so now it's just a matter of, uh, whether or not I can, sustain this commitment or whether or not


or how I'm supposed to sustain this commitment be it uh cutting down on some other, luxury commitments or what not, then it voice down to what is, uh ultimately


to me when I think of a post COVID world it's more like a, economy kind of standpoint where everything will kind of slow down and, retrenchment ah companies closing companies won't be able to survive et cetera so, I think uh


necessities will become more expensive your livestock will be more expensive your food will be more expensive everything is going to be harder in the future people are less willing to spend money people are less, uh sorry, people are less willing to spend money that's mean to go out all these kind of stuff


so, to me it's kind of just planning ahead so say just now I said six months then probably taking these into consideration I'll need maybe a year cause you never know what will happen and, kind of you never know when you'll be say retrenched or what


ya so to me saving money would be quite essential even now not even just a post COVID world but planning towards a post COVID world, ya, okay uh number five lah I go ahead ah, so what do you think of FIRE financial independence retire early


how can one achieve financial independence, financial independence, financial independence meaning uh, or you want go ahead <P2> brian </P2> you go first ah


okay uh I think it's to me currently at this age right when I'm studying in uni and everything, to me the biggest issue away from financial independence would be student loan debt lah I mean, that's quite a hefty amount that I don't think a lot of us can pay eh so many of us would many many of us would go into debt I guess or many many of us would go into owing the bank or whichever loan


so I guess financial independence to me is making sure that, you take into consideration all these that even though that they tell you that it's uh, free from interest or what, or the interest rate is low or what but, financial independence only comes when you


are confident enough or you're comfortable with enough, to clear these debts so ya, so to me that's my concern it's that from, uh uh, upcoming would be my student loan, my I don't know marriage or BTO or whatnot so these kind of stuff it's


something to think to consideration, yup then yes you're saying <P2> brian </P2> yup retirement I don't know I guess


to me ah at this point in time maybe I'm too young or what I I don't see retirement is something I want to work towards but more of a, uh, to be a happy working or to be, happy doing what I do lah, ya so I have no


intention or it's not a goal that I'm I'm striving towards at the moment ya early retirement, yup, I feel like I don't know I just feel like it's a bit meaningless eh


no no no nothing can go to the next one


how I would face financial independence previously, it's just that , I guess knowing that you are in debt, that is uh, it's stressful but, I guess having a plan


to, having a forward-looking plan to get out of it is important lah otherwise people can fall into like depression or whatnot because it is truly scary to not, have a, a plan like forward, forward thinking to and like knowing that two years later you will be out of debt or half a year later you'll be out of debt that kind of thing


so I guess it's important, to, just plan your, plan yourself lah so that you don't, fall into further further fall into debt or go into other kinds of, complications or like nothing just be smart about it


I think to me uh it's more of a, clearing those with higher interest first lor, ya, so if you say I have two debt one of them like a bigger like let's say the bigger amount has like twenty percent interest then the other one only has like five percent even though it's smaller I would clear the bigger one even though probably doesn't give you as much gratification as the other lah but


ultimately your, like living day to day kind of thing I don't know I guess I have a, have a friend that's going through that previously then ya, so everyday he's barely, like paying bank that just to not incur even more that kind of thing


and I think the time is up


part three negative experiences, okay, uh first one being recall a situation where


you were forced to change your plans against your will


okay ya to me, ha change your plans without, your okay I think the biggest thing would be COVID nineteen lah, ya, one of the biggest things that happened this year, so I opened my cafe january in january so it's been what six months currently six seven months that kind of thing


so within the first three months four months we were getting ready like ramping up to, uh reach out public and everything like open the cafe full-fledged, then in april, COVID hit so our cafe was closed everything was closed and we were actually ready to launch in april we were planning a bunch of events we were planning a bunch of


uh, marketing plans actually, things to launch but then COVID hit lah then everything fell apart so everything stopped, the production side stopped everything stopped basically, then we had to


improvise lah we had to do, save bottles and all these kind of stuff bottle deliveries and all these kind of stuff but ultimately it wasn't, it wasn't exactly the plan at the start lah, ya and, not only that a lot of things happened, and so, we were actually like sampling a lot of


food and all these kind of stuff we were like R&D-ing, this actually, we were basically like trying out stuff lah, then we bought like a few thousand dollars worth of food inside a freezer and all that kind of stuff, then COVID hit and


okay COVID hit was one thing the fridge died within, one month later so few thousand dollars just gone uh truffle all these kind of stuff everything was gone basically, so that was one of the hit then, throughout the start we bought the freezer and all these kind of stuff in february


february march, ya so it died in, late may I think somewhere around may lah so within like three months with that then we have to fork out almost like double the price that kind of thing, so it wasn't a very good few months lah


okay because the thing is we didn't offer any, food so we did think of Grab, for beverages and all these kind of stuff lah but the thing it was it meant that we needed two people, one person being down there second person delivering or


okay because the thing is it doesn't make sense if we get them to come and collect the, get, collect their drinks and all these kind of stuff because their commission rates are way too high already, it just didn't make uh sense to us, so the only option was that they they had this function where you could put your


cafe up there and then you settle their own delivery and everything, then they won't take your commission, so which we thought of doing that but the thing is you need two people because you need to deliver on the spot itself you cannot wait like a day which is what we're doing now lah when you, order and then I'll do it and then I'll deliver the next day so that


will be more efficient but then, if I go ahead with Grab it wasn't the case [loh], it wouldn't be worth it ya, so currently now it's open but we are, sort of operating at a loss not because we have a lot of overhead costs but manpower [loh] you spend your time there but then ultimately you don't exactly break even


ya, so everyday we're operating were like


okay uh I'll go first lah actually, actually it is pretty much the same thing lah I mean this whole project was, ya okay can okay we can go next one lah anything


okay actually I came from a, in secondary school I think I came from a I don't know I guess all the people in, my secondary school were like all the elitists all those, smart people that go to, NUS NTU and all that kind of stuff, and I guess


perpetually I just feel this sense of like a, uh, why why didn't I perform as well that kind of thing, ya but, ultimately it wasn't like, it wasn't that they really look down on me or whatnot but it was just something that I kept telling myself at that point of time lah


that, why is it that uh other people can do it I cannot or like, why is it that people can, okay no, why is it that I didn't choose that route to me lah that was my one of my regrets lah, but ya


I guess ultimately I tell myself that it doesn't matter because, uh, ultimately the destination is the same lah it's just what route you take or, ultimately a destination is not, success to me it's not just monetary value or or success in term in terms of like


uh status or whatnot lah, I guess I'm happy with where I am right, now yup okay, the time when you felt betrayed


maybe with someone you know is it, oh it was your close friend ah


okay now that I think about it, I see actually now that I think about it actually I have a case, uh let me think ah see whether where I put it, okay so I had two other partners actually that I was working together with


then there was this uh third party this extra person it was another person uh she wanted to start a startup funding and she wanted to work together lah, so at the start it was like a few of us and her so it was like two parties kind of thing, then


at that point in time I didn't really know her but I had some, like, bad impression not in bad impression but I could foresee some trouble in the future like, I I I felt like she would micromanage she would want higher share count and all these kind of stuff so I I wasn't very comfortable working on this with her lah especially since uh


no okay I'll get there so basically she at the start I was fine if I don't need to come up with much capital it is not a lot I I'm okay with doing this as in we can just do it for fun lah we do it, to try out lah ya, and subsequently talking to her a bit right


uh, she realise that I have another company doing distribution all that kind of stuff then she was a bit worried that, uh, we might have a conflict of interest or rather, uh, interest in the sense that I would, uh, focus more on my distribution my cafe then these other project lah then she was trying to push for


then I told her straight up that uh, ultimately I will not focus on this because this will be a a side thing it'll be a side project wouldn't be main project, and she have to accept that lah other otherwise this wouldn't, work then, I think at that point of time she has a lot of doubt then she told me that


she said some stuff like uh you have to choose either you can do this or that you kind of thing both of them were like you tell them don't do lor so I am chose to opt out I didn't want to do this with her, then the other two basically at that point in time she was fine she was like okay then the rest run ah the rest do [loh]


so at the point out it was like a few of us were like partners already so I thought like oh okay if you're not going to do it we all not going to do, but then they went ahead lah they did it so, two of my partners and her started this start-up, and with I me and my other partner felt like oh okay it's kind of weird because ultimately there will be conflict of interest even more so now


ya, and subsequently they had a lot of issues then, they crash and burn and crash and burn and everything lah, because ultimately what I guess was right they she really micromanage wanted to get more chance and all that kind of stuff


they're like working to sue each other at this point in time now, cause got quite a lot of money inside eh ya got some money issue lah, ya if you are going to die tomorrow what are your last words to your loved one


I guess, okay I say first lah to me it's just , I guess I don't tell people that I appreciate them enough lah so I guess that would be, my main, the main stuff that I'll say it will be more of


ya I guess it was the time before army, when when ah I think, I just finished no no no I was in the midst of army I wasn't, , no no it was before army sorry ya before army, so at that point in time I finished


poly, okay I finish poly and then at that point of time where I I had, diploma ah basically but the grades weren't very good so, I I felt like I didn't have much options and at that point in time I just had so much like uh negativity and all this kind of doubt


self-doubt and all that kind of stuff where I didn't know, whether or not it will still, possible for me lah ya, I wasn't sure what what route to take and, what options I had ya, so instead of finding like


uh, more options there were all these kind of stuff I kept telling myself that, no matter what it wouldn't, be good enough lah I could have, I could have worked harder I could have done better and all that kind of stuff, ya, then at that point of time I felt like, giving up ya


but then subsequently I guess, I just snapped out of it and, sort of like accepted where I was


actually I agree with your point uh even more so or even in singapore I feel like this issue is, quite prominent lah this whole meritocracy issue, uh, how elitism is like a thing and like, uh people who


kind of like get raised or born into a family where let's say they are more well off they can afford private school they can afford tuition all these kind of stuff, ultimately uh the chances of you success, think more successful or chance you chances of you earning more will be higher lah which is inevitable but I feel it's just


unjust lor ya, and even the money distribution and the, people earning at the top ten percent, might not even be contributing as much as people earning less than that lah, which I feel is


I guess, the difference just get higher and higher is like once you hit let's say five K to the next gap which is like ten K fifteen K twenty K that kind of thing like the the differences just get bigger and wider and wider, ya and it gets


more like more and more impossible for you to hit different tiers or try to get out of your level like glass ceiling or


ya I think it's inevitable ah, kind of something that would just happen lah, ya (mmhmm)


(mmhmm) percent of money


you've a lot, K I remember


I see


[a'ah] (ppo) ya I [eh] (ppo) [oh] okay nice


part part two positive experiences, okay uh I read the first one lah, describe a time when


you were helped, by someone in your time of need


I can go over the second one first lah then we come back later, sounds easier, what's the best meal you've ever had


okay uh best meal I've ever had, I guess if we are taking, into account the whole experience right the best meal I've ever had would be with, family lah ya, then okay because half of family family, uh so


okay half of my family is in taiwan and I don't really meet them, very often lah, so I guess the best meal I've ever had would be, there was this like once, where I had a proper like they cook everything where I ate there, ya


ah I guess that would be the best meal I've


eh you there for exchange ah or what


but but you not supposed to take one ah I mean by right they're not supposed to give as in, they are not forced to give or the school isn't like asking them to pass you allowance or what lah


so was that your best surprise or gift, eh ways you've ever given someone the best surprise you have ever given someone, ya you go ahead first lah


you got do me like that uh, let me think ah, actually for your twenty first birthday there was, can I can say that ya, for brian's birthday twenty first birthday ah actually uh


we went to host some like birthday, I don't know, not party but like birthday surprise kind of thing at the hotel room


oh you actually made it in there lah, I thought you would have given up or something


wait how long do you take you to make it


ya okay uh, my life is quite boring


now I look back special event that I cannot wait to attend, I have one, my ORD date, I've waited two years for it


ya haven't been in camp for six months there's no early date, it's just a date that I get my pink IC


I think after january I was quite like


did your unit do anything for you


no so apparently the unit is supposed to like that's why chip in two dollars each person and then the whole unit will buy you something, or they will just give you the money and ask you buy something for yourself and then tell them what you bought, but no one knew I was gone already I just randomly came out that day eh bye guys then they just oh okay bye


ya, seven sixty seventy dollars I think


I think I did I think it was the CEO he was eh, no I got it online technically, there was the presentation there was the presentation but I didn't go I told them uh I wanted to do a Zoom instead, so they okay so I did eh no Webex ya I used Webex


for real then ya ya basically this then, on the day itself they just passed it to me and like some, I don't know snack so it's pretty much nothing ya uh not really not exactly


the men were just eh today last day ah okay bye bye then okay, ya, they wanted to say some lah they wanted to like uh good luck in your future then they also don't know anything then they just okay lah bye bye, ya, I was there for not very long lah


no that day uh, that that day jen was in the hospital [orh], so I actually went there take my stuff then then I ran off already ah I think I stay in camp for less than


half an hour actually ya, I just take take take clear clear clear then I go off already


ya ya ya ya she was doing her operation ya, but why are you in camp for so long


I I didn't feel anything lah


no I also happy it was the happiest day of my life eh, kind of like ORD on that day, best day of my life , ya I think I was happy on that day then oh ya then I should have said that the happiest day was when I left do not know why I left


my ORD kind of pretty much ORD on that day


okay okay next next next describe a time when you laugh too hard


I I can't remember I can't like pinpoint a a specific event actually, ya, talking about how I didn't go see him day before


how long do you hold the stock for, about a month ah, I spent eight hundred dollars


are you investing anything now, nothing ah, a'ah so yours is always those kind of short term kind of thing


(uh huh) okay so there is, okay we went to taiwan with, four four of us three of us ya three of us went to taiwan


then, we went there then I think we were watching some like taiwan, show, was it what is it what's it called ah reality show, ya reality TV show then did


so, he didn't really understand what was going on the show, that I don't know something just hit as they were talking about, uh, eh we can only speak chinese and can we speak english right okay, uh


there was this like term, there was this term uh mention in the show where I didn't, don't know why we found it funny but it just kept on running and running like this joke we just kept going on and on, for years already


and after also, wait ah okay, describe a fond memory uh you share with your loved one


think travelling probably as well, travelling recently was


for me I went to Bangkok oh it's horrible okay you must talk about good stuffs, you can't say Bangkok, okay I guess the last happy one would be, ya it'll be scandinavian country lor, cause I guess it was very different from, all the other countries I've been ya


the culture there everything the the experience there was very different, also the stop is it


uh part one financial related topic, okay okay uh


ya just start ah uh okay I will address for number one lah so <P2> lin che </P2> how do you invest your money to accumulate wealth


(<B> ppo)


I see uh all right I guess for me , I generally put my my money into different like areas ah


so most the biggest one would must be Stashaway uh ya and then I use a bit of crypto as well ya so like it's just like a small like credit card ah so like if you spend on what you just get back certain amount of can percentage back in crypto so


generally I feel that it's important to just have a way of saving money ah even though like, like how no matter how limited it's it's coming in uh ya because I just started working but my first month is just there's kind of like kind of spend it lah cause it's first month you know but ya throughout NS I've generally been


I would say planning well from my savings so uh I just like put a standing transaction so every month this amount will just be deducted from my account like the one that which is credited in and it was like go to a different places lah


so uh in a way then I don't have to think about it cause it's already plan then I'll just see lesser money then I I won't be as tempted to spend as much in that sense ya, or like


so so I have like uh DBS I have OCBC, and then like so the the I mean the money comes into DBS and then after that like they're just any transaction ah so savings is like OCBC or like stand chart then the others goes there then just leave that whatever amount sorry


eh ya it's just a savings account just put inside there lor then don't have to think, about it all right so shall we go to the next topic what strategies


uh so like in that sense right then do you


put a certain amount into savings each time like because like you said that you want to plan in advance what what so like when the money comes in do you like allocate a certain, amount to expense so to like to savings like in view of these uh big-ticket purchases that you are going to make in the future


uh then I guess for me right uh strategies first ah strategies first I I would say just to think about whether this


thing is uh is not essential or like what what ways you can lah to do to save on that to save on that first, so like buying a car for example do you need really the Mercedes-Benz or like a Honda Jazz or just a grab will do like house do we need


so like I just like weigh the pros and cons ah and to see whether the trade-off is worth it, then likely what I would do also after that it's just to break it down into how much this will cost me every month so like if I buy a car oh this is gonna cost me five hundred dollars every month then do I really


am I really comfortable with so if I have one point five thousand one point five K of uh disposable income am I really comfortable like putting five hundred dollars aside for this car, like whether it go into like savings for or like more essential purchases for example ya so that's the way that I deal big ticket purchases ah but ya in the sense it's necessary cause uh some stuff like houses you have to buy it once in your life so


just for that just ya I just plan ahead, like what you just said lah like what you said just now it was it's quite good so just have six have amount certain amount of savings ahead ah, ya right just go to the third point how do you manage your financial commitments before and after marriage


sure


I I would assume that I , ya I think think all these she's going to uh ya so I what I'm guessing is that financial commitments are like uh what things that you need to spend on, so essential essential goods for example or rental if you are in living your place of your own


ya so how do you manage like okay example like your bus fare so do you how do you manage that lah right


I see ya I think I have similar views with you on this ah just to just essentially cut down on what is non- essential and just ya what is essential just try to save as much as you


can on that okay, so in the post COVID world what changes are you making in terms of your spending or saving habits, , sure I can go first on this uh so like


me in post COVID world I would I'm guessing that I think, pre COVID we were spending more money right like we we are more reliant on like services like Grab GrabFood so one changes which I'm looking at right now is just to cut down on using Grab just like going out to eat


I just like Dabao-Ing something nearby ya that's one of habit which I see that would change uh savings wise ya I seem, to I think I would be able to save more with the amount that I save from from this from eating Grab how about you


uh sure okay uh, all right so this topic financial independence sound like what the instagrammers would like try and sell you, youtubers like say oh one million dollar business uh


so ya I that is that is how they that is how they achieve financial independence by making you sign up for their courses which cost thousands of dollars so the way that I see financial independence is that , how can one achieve financial independence


for me the most sustainable way that I see to get financial independence would be to have a passive stream of income which is, uh like maybe like stocks coming in or like, uh in like uh shares dividends dividends from the share


cause or like the business that you are that you generated but it's just generating you profit over time without you having to deal with it so like in a sense that you financial independence is just having like, uh your living expenses paid for without having to work for it so that that's what ideal financial independence so like example you can just be doing whatever you want but any money that comes extra from that


from working is just your additional like that luxuries or additional savings so like whatever passive income that you, should be able that comes in right is what provides you with the financial independence so like you get two K a month from stocks ya then


that's but that's to me is financial independence


but I okay oh oh okay uh


, no I I would I was just thinking uh , but what are your thoughts on like retiring early, so do you thinking are you thinking about retiring early cause I think that's what the nature of the question is as well right


okay uh I think I defer with you on this point instead which is that uh retiring, early doesn't necessarily mean to me that you just sit around all day and just don't do anything I think that is uh that is something that


people may may want to do or may aim to do but , definitely what I could see that it's just that uh if you are able to retire early that means that you have your whole life is all like it's all settled already so like you don't have to do eh so you won't be pressured


into like or have to go have to keep working day in day out just to meet meet rent or just be able to like uh put food on the table so uh I view it as like you are able to sustain yourself early and then you can


you won't have that burden ah so like you won't be afraid to fail as much so you can take more risks into build more stuff which you are passionate about so cause what you do at work may not necessarily be something that you want to do for uh like a prolonged period of time ah definitely something should I experience ah at work alright


okay, you have anything else ya or should we go to next one okay what advice would you give to someone to get him or her out of debt


I see uh, personally I don't know anyone who's currently in debt at the moment uh ya I think so far with our life has been quite good like uh school fees have been paid for by parents right


so I don't know maybe in the future when to like someone with more debts is the thing I would just so there's a method to paying back debts which is called the the snowball method in which that you pay the


the smaller the smaller ones first and then you just keep rolling forward so you could like it's just a smooth snowball rolling down so that you you will be more motivated like so you cleared one then you have the next one to the next one the next one so ya that is a


a way which I've read about on how to get out of debt effectively ya


yes ya I think ya in that in that case I think that is important lah but, I think is ya depend on situation lah it's not it's not like like a one


one size fit all so ya I think this you have to take into considerations the amount of interest lah which which it has but uh ya it's definitely due to, human psychologies cause like it will just cause you'll be more motivated once you have like small successes cause your feedback loop


is short so you are able to to see what the direct correlation to your actions is, ya okay ah or we should continue ah ya


part three negative experiences


you sure I guess the most recent experience and situation which I would think is negative and make me change my will is that, uh most probably university ah university choices so I had lots of regrets ah not studying harder


in poly then being like limited in the, choices which I have going forward ah and I understand that it'll be much more competitive in a, competitive for me if I take a private degree and I'm fighting against someone who comes from a local university so so in that situation I felt like I was forced to to change my course ah so in a sense I didn't


continue on with business so I took a I took a more, took a different route so I took computer science which I felt like which I felt I had small interest in and I felt that it could complement me well going forward and to make me more competitive ah going against these uh


do you do you consider to to do GrabFood to like sell


I see


I see ya


I see I see, so okay should we do next one so describe a moment where you felt like the world is against you


ya so uh describe a time when you were heartbroken, are you comfortable to share this if not we can go to another one, okay uh, were looked down by your friends or relatives I don't have experience with this do you


, betrayed , I think it's very very trivial for me ah, we were like like primary school still relevant Diao I will just go and do like in a very short amount of time lah so it's like


so like we last time I used to play this game ah Habbo Hotel, and then uh, so my friend will just I didn't know why ah but I assume that he will just like, cause he just kept giving me like credits and then like keep giving me money ah in the game then one day he asked me to pay for it obviously I was like no I thought you because you said you going to give it to me then he was like no then he's like no you you have me pay for it then


he was like I was like no too bad I'm not going to do it, he said like I'm going to call your mom I was like oh shit then that was like the scariest part cause, you get caught by your mum buying this credit is like ya it's it's bad ah ultimately


ya it's like it was my close friend like we like we were quite close before that ya and after that we weren't close friends anymore , it's really bad and like you know another friend supported him in that, so like it was a group of friends that two of them were supporting each other like against me for that


(mmhmm)


so like are they still are they still like working together now like the two other partners eh, she is, okay ya I think (mmhmm)


but I think for me it'll just be that , it has always been enough ah like it's always been enough like there was never a time where I desire anything like more than what I have now so it's always it has been okay ya


it was for me uh should we go next one describe a time where you felt like giving up, , I guess I can go first because I recently have experience with this at work


ya so for me right, the, at work I had to do a lot of things which I hadn't done before cause previously I was in the army, and


it was quite a lot of work ah at the time point of time to me cause I felt like cause in army like you weren't really doing anything so like when you actually go into do work right you actually have to like you have to actually have to do something like actually have to use your brain than to do work


sometimes that means at work may not be like enough may not be what they want, so, for me right it was kind of like, I felt like quitting already ah like at like the first maybe


second or third week it was really bad like cause I just really didn't like uh how everything was like coming down so, and ya I just felt like I just wanted to just quit ah and just find or else like just to take more time for myself to figure things out before I actually start working


ya that was for me ah


ya yup same me as well [loh] ya I think that's the the way that we should like think about these ah given ur circumstances, all right, what are the injustices of the world that make


you angry , , I think for me right it would be that people


aren't there's a wage disparity ah catch up I feel this is the most one the most strongly I feel I like feel more strongly, about cause I mean for me personally at my current company like the developers are


paid like one point five K per month, which is like less than intern pay for like a master's degree in computer science so, and ya they still have to like because without like this


this certain amount of salary you can't like experience the world like as it is like you can't see certain sides that other people may be able to see and like you have to live a certain way of life just because like you are born into this country ya which I feel like it is unfair for most people lah so Iike


if you are like born in like india and you, have like a very probability wise is a very little chance ah that you will be able to like succeed or what, unless ya you have unless all like very extremes extraordinary circumstances what about you what do you feel


do you but do you feel that this is like a problem which cannot go away like this is just a essential like mechanism of capitalism in a sense that like this forces people to those people to work hard to reach to try to reach there


but in a sense that no one can all be there at the at the at no one can all be rich everyone is rich and no one is rich so everyone would just be in middle class or like would be like in it's basically like communism ah right so do you, do you


it's just something that we have to like accept right, and just it some just a just a, , uh what is your most embarrassing moment


uh actually I think I have a lot I think I just went ya


dude I was so blur before before secondary school if you remember, ya uh, I guess like we fall, in before O levels I forgot my calculator and and then uh more recently would be that I got I blacked out after drinking and then I I went to hug one african american


like hug him and then the guy was like what the heck is this guy doing, why is he here so I think that's the most embarrassing for me, you is there even time


sorry sorry, part two positive experiences


oh I go first oh, oh okay


when I was helped by someone in my time of need , one of the best meal in, uh


okay uh uh ya I can go on this so I think that the, best meal that I ever had could be uh, the meal that I had just before I enlisted so it was Beauty In The Pot and oh it was like the the best thing ever because we eat that


and ya uh my girlfriend prepared for me some some stuff ah I don't know which was very touching to me, and ya it's, really like the the last sweet thing you taste before army so okay ya your turn


with what, oh


okay well ya that's actually reminds me of like uh when I went to korea and that was like the the first time which I haven't been there and I was like brought along by my buddy ah I like exchange buddy at that time then


like he was like so warm so actually you actually like left quite a impression on me because like even though like I barely knew this guy, he brought me around then he uh like, brought me to all these places and he also like like his whole family was very like warm and receptive to me


so like like one time we ate korean barbecue like actual korea then, ya his whole family was there as well just to like celebrate his grandfather's birthday so which is something like I feel it's very like sweet ah which like they all all of them are there despite how busy that they're working


so like there's a bit of a , ya I left for exchange in secondary school, good times ah actually dude that that guy, oh okay nah next one lah uh oh uh


ya the guy the the my buddy, parents own a movie theatre so he was like actually like the richest guy probably in the the school, so uh maybe that was why cause uh when when when I went to eat there right he his grandparents like they just gave me like fifty thousand won which was like fifty bucks cause he's like


even though like I was just like there as a stranger he's like he's like have one stack of like fifty thousand won notes right and he was like anyone who like comes in just like this student one one for you one for you


no no no it was just like cause we were just having like dinner over there and then he was just like nah here here here, ya it's quite interesting lah okay


!oi! are you are are you asking me that question, uh he's not giving me time to think man


I think I know what for ah I think I know what you received lah but okay the one that you've given I think I know what what you received that was probably the best but I don't know what you've given I never see what you given


oh look at you


oh so sweet ah so you're you are the gift that you have given me is it you are the gift , ya okay lah I guess that ties in very well so ya that is from me lah okay I didn't give anyone anything lah so that's the one I've received


best gift I've given anyone, I think it's hard to define leh cause, cause you will have to think that it's the best gifts that you've given anyone not that they received uh


okay I think I think I know ah uh you know the the box which I did for <P2> belinda </P2> the light box I think I think okay lah that !huh!


ya dude I actually made it what you what you talking about like I cut each piece of, paper and no dude I actually did it ya so that one was probably the most ah like easily about hundred bucks into that plus


uh I don't know few think about a week leh, actually ya that quite long cause I need to test if everything is okay first and then just to just to see ah cause I need to cut it off first and then you see like oh this this shape okay then I need to like do it again for multiple times it's like different layer how to even I don't think you can even use it


so it was just like okay so maybe in for some context right for this uh this thing so what I did was I, I how do I describe it,


so I made a paper silhouette box so this is like four four paper boxes uh with, designs cut out of them and with like a light source inside so like when you look from outside it will it was a see like or like silhouettes of a certain scene so and on each scene were like each scene were


were uh, meaningful moments in our in our time so which is why I chose uh I chose them and ya I had to cut them out, uh, over a long period of time and then to glue them all up and to attach it to a light source so ya it took about a week so probably that was the most hardworking I've ever been for a present ya


okay shall we go for next one describe a time okay describe a time when you can't wait to attend a special event or concert you do you have any on this


the ball's in your court now


but was it really two years though (hmm) ya I guess nothing ah like what what do you feel on your ORD day like why why don't you just like discuss on that but I think it's more meaningful right


so do you do you feel anything on that day or not like do you like ya I know like we've we've all like been building up to it for very long right like it's


I felt like it was generally very like lackluster cause I already like knew before that it would wasn't going to feel like anything ah, cause


I I was prepared for that but on that day I was like still wasn't expected lah like to actually feel that that way and I thought it will have like a certain, no ah I just bought food for them that that's our that's our thing ah like whenever someone ORD just just like buy food for put in the office lah you leh did anyone do anything for you


how much would how much would that have been , that could've been a good good meal eh dude, , who who gave you the plaque the ma'am ah do you do you got the plaque and the the cert


it's same thing ah


so I do you like say bye to anybody there or like are you close anybody there before you left before you left


really , ya do you have any expectations like do you think that they were we're doing something oh no ah so like it was in line ah, oh ya ah


let's see I think I was in camp for quite long and I think you you message me right you wanted to find me or something


I think it was cause you has a lot of time to kill right before jen's operation right, but ya uh, I don't know lah I just you're just saying bye to everybody you know just like chilling around


cause I don't know it's really quite sad and you're like I mean like, ya you imagine like you're saying you won't see them anymore then ya it's really like I felt really like sentimental cause cause


all my ya really dude like I I felt that way after like one of like my close friends he ORD he, born in like february then like after he left right it's really like it's just like so, so sad because like we just chill and talk and like you just did go canteen then come back then call duty and just like talk shit


actually quite sad uh not not gerald you won't know him ah it's michael uh, no gerald is june june batch I think, ya actually we was quite quite long


ya it's really quite quite sad lah I would say, ya it's like it's like you like saying bye to like your friends who you won't see anymore like you've seen for like while what more than like a year ya like you're saying bye to like joe java or nicholas then you left Gedong do you felt do you felt anything when you say when you left


ya I doubt , !wah! I did eh ya are you happy on your on the day that you you left Gedong


you won't back in camp ever since then right you won't back in camp ever since then right mister MC


okay let's go let's go next ah, uh laugh too hard


when belinda sent me like a funny picture, ya well the only time I laugh very hard but besides that I don't, think as much then when we play Overwatch we're just being retarded


what about you, okay what about recently what's the last thing that make you laugh


describe a time when you took a risk and was rewarded with success


okay maybe I can go first took a risk most of the risk I've taken were rewarded with lots of failure though so


uh , but did did I tell you once I invested in a oil in a oil ETF, it's a oil oil stock then after that the oil the thing went to zero but then the


whole thing went dust I lost I lost so much money I lost eight hundred bucks that was a risk which didn't come back well


it was going to go up cause we were expecting a rebound and the rebound would have been double because this thing this thing matches the like the oil fluctuations so if it goes up one


percent the thing will go up two percent but if it goes down fifty percent it goes down hundred percent so that's not a good idea big big lesson there uh, I guess you want to currently no eh more in Stashaway no ah in Stashaway [loh]


for now ya cause ya for now no think it's out of the scope [loh], this for now okay shall we skip this one I don't think we you have experience in this ah


, share a funny inside joke that you and your group of friends still laugh about till this day


dude I would see the same thing okay


not nice


I don't know why we were just like saying that all the way throughout the taiwan trip okay I guess that's one uh this


for me will just be uh travelling together as a family ya ya that with my loved one being my


family and traveling to japan which was the most recent one Hokkaido was really nice


you have a favourite favourite one, ya I know you you've been to a lot of places, right I I know your recent one recent one is Bangkok


ya I do , Helsinki ah, right is that the last should we press stop


financial related topic


okay , uh go ahead at with, how do you invest your money to accumulate wealth plan for retirement I believe like distributing your eggs in different baskets so


like I do have like investment policies when I buy like when I do financial planning with my financial advisor like agent I also, do have like blue chip stocks ya than I haven't thought of going into like forex but it's a bit challenging because it's more risky so you really need to monitor so I think I would probably take longer time to


go out of my comfort zone into that area ya so hopefully in that case I can slowly accumulate wealth and plan for my retirement


okay what tradition would you recommend for someone who is planning big ticket expenditure like starting family okay for myself because I already started my family I pretty went through wedding as well as a buying a house and when everything my house and everything so


I would really recommend for anybody who is single who's going into whatever I already did, to to really save money start early, ya try to really make it a point to save before you spend every month when your your salary comes in ya then as you save when you buy ticket items you also look out for like interest free credit card


payments so there's a lot of things like your appliances and a lot of big ticket items like your fridge or TV all that you can get them with an interest free when you pay them with credit card ya, so that's easier when you when you pay by installment so you don't have all your cash and liquidity


all all dump there and then you got no money for the rest of the month ya there's, uh you can take loans but your loans you you will look out for this interest free lah but let's say renovation right I would suggest not to take bank loans but if you really have to take bank loan like for your


HDB or be it your condo , you do have to read up on your SIBOR rates because there are like a different schemes like a one month SIBOR three month SIBOR ya or do you want to take like a a HDB loan because the HDB loan is like a


fix flat interest rate but it's higher than what usually the bank offers you lah, but the good thing is that it's it doesn't fluctuate over the years, but the bank once might go up over the years if let's say the economy does better whatever ya so you just have to do a lot of reading before you ya wanna pay for all these things lah I would say ya but try not


to go into too much bank loans because you know that the interests can be quite scary apart from buying your house, your renovation if you can try not to ya and if you want to buy like appliances, go for the interest free installments ya


eh before marriage I won't say I wouldn't have so much financial commitments because uh


, you don't have a house so basically when you live with your parents a lot of things are much more easier you don't have your bills to pay for you don't have your house to worry about but after your house come along you have to, it I mean like you can pay by CPF but let's say if your interest rate during that


month goes up if you are like for example I'm taking a bank loan so when my interest rate goes up during that month and my house installment become higher than my CPF is unable to fully payout that some so I have to make sure there's enough


okay so ya so if let's say the the amount is higher than uh your usual uh payouts


where am I where where where was I sorry okay say okay ah ya I was saying that it let's say your interest rate goes up, so ah your installment become higher for that month you must make sure that you have enough money in your bank lah to cover for your housing loan ya


, then you as usual lah have to save and you have to make sure you have enough to pay for whatever uh installments that you have, , ya


, I think in a post COVID world we will all realize that online shopping is so easy


because uh when we were all in the lock down all of us suggest basically buying things online be it a grab food or any necessities or anything that we need at home we're all buying it through RedMart and everything else so I think probably online business is the way to go


but I would, say given that the the digital space is actually a very huge so in terms of spending right you can't really safe, if you look hard enough look out for savings if let's say you want to buy big ticket items or you want to buy groceries or whatever you


can you know like uh a new email address will entitle you being a new user and you'll get extra discount you can buy, so I think some people will actually create like ten email address to buy from RedMart ten times just to get that extra free delivery or something ya


ya, it's it's it's not me but I think there are people who does thatt ya so ya so I think it's it's actually not very bad idea because I mean you probably cannot remember all the email address that you have but, but ya


I I mean you can still use it for other accounts let's say you want to buy like a dress everytime you have a new new email address you get ten percent discount why not right ya so ya so so I think that that's a good thing about online shopping because they everytime you have a new user or whatever they give you


discount ya so and you get more alternatives lookout for because the online space is actually larger than whatever that you have in your supermarket or whatever you have downstairs your house ya so, so that's one okay do you what do you


think about financial independence or retiring retire early how can one achieve financial independence <P2>shien</P2> you go first


ya for for me I think that financial independence actually come, from okay it has always been my dream to retire at forty years old but I don't think it's possible anymore, is is actually a very unrealistic dream when now you


think about it ya because okay unless you are really earning big bucks from like investments and everything , if you just a get like a regular job it's very difficult for you to really you know retire early ya ya because that mean like whatever that you you get


from a regular salary job right it will only cover your expenses day to day you probably get to save maybe like a twenty thirty per cent of that most ya then after that, you to retire that's not enough ah definitely ya, so so I would say that the only thing that can help yourself with is try not to be in that so whatever that that you have like be your house your car


car, or whatever big items right try to clear as soon as possible, ya so if let's say you you buy a house and you decided to stay here forever right then you know try to pay it off as soon as you can so you don't accumulate like the the interest ya and you it caused you to be


poor and poorer over the years lah I mean definitely it would affect a liquidity if let's say you clear out the the the house payments faster but in long term you will do you good lah because when you are old and you realise that your house is still not fully paid right then you know you get very worried ya so I guess that's the only thing you can help yourself with


I because I haven't been working for quite some time but when back when I was


ah drawing my regular salary right I will make sure that, I have like a fixed amount to be save first before I spend my money, so everytime like let's say my salary pays out on twentieth then I make sure that you know a a a a portion of it gets credited into my saving account first before I even touch the money


so I would say last time when I was a kid I would credit about like thirty percent thirty percent of my income to saving ya then maybe like ten per cent to insurance ya then of course after that the remaining then is the ones that I spend lah


ya but I think that's also one thing that I regret because I started quite late so if I would have started earlier than you know I would really want to be able to save more because there are a lot of people who are able to achieve so much more when they they start saving young, ya


but because okay so because right let's say when you're flying right you get paid out like four or five times a month so every four or five times a month you have to track that you know have come in then you could go and save it


that's that's what I do also I save up about around two thousand ya so probably I would say like thirty percent lah of what you earn lah I guess, ah because I started late so when I started late I I think that it would have been better I started


only during my I think my one and a half year flying or so or my after my first year fly because the first I just want to, enjoy so I didn't I didn't save a lot ya so after that subsequently I started then, because you realise that you think that you have saved a lot but the minute you start paying for your house right


it's really not enough because renovations easily take up at least thirty to four thirty thousand to up to eighty thousand it depends how much what you want to do, so you see your money just you know you save it you you take like what five years six years to save that eighty thousand and within like how how long than you know just like within two months renovation it's gone


ya so it's really damn fast when you want spend it ya so the the only regret is that I should have started more earlier lah, I guess ya, ya so uh okay uh now I would say uh do you think you should own a credit card


for me right is very strange that even though I've been like flying for almost ten years right I only own a a credit card after I bought a house ya because prior to having a house, I didn't see a need to have a credit card because I think that credit card is good in a sense that there are so many perks but it cultivate a habit that right you always spend your money right before even earn it so I think I I don't like the idea of that you see


ya I think that you know I feel very insecure that you know I'm I'm spending money ahead of the payment so I don't like it ya so I prefer to spend hard cash ah from my bank account that kind ya so I only started having a credit card because


the that the the one that I told you lah like credit card interest free installment payments for your appliances that was only when I started to have a house, that I like got some credit cards to pay for my interest free installment for all my appliances ah ya


eh I think there are couple of banks that are pretty good , I would say from what I understand a lot are are a lot of people I, using the ah one card I think is from


from, UOB if I'm not wrong I'm not too sure ya then ya there are a couple of other lah so you just find out what is best like for for like you know uh our friends like, like <P2>elly</P2> she told me that she is having uh she she uses her credit card to accumulate mileage so she can exchange


for like a business class ticket or whatever you know once a year for traveling and things like that lah ya so it depends on what you really want out of this , this credit card perks ah so is either you want cash rebates or you want to have mileage or or whatever ya


okay, DBS okay so okay I move on okay so what what are your thoughts on CPF contribution


I would say that CPF contribution is good because in general like you we know that


we can use our CPF to pay for it it get distributed into your medisave so you can pay for your medical bills you also get distributed in your ordinary account that you can pay for your house there's also a special account if you accumulate like enough amount you need you can, use it for investment that's what I understand ya


ya, but the bad thing about CPF is that right nobody ever right knows right what happens to your CPF right when you start to retire because the payout is really low by the time they will start a minimum sum and tell you all you need to have like fifty five thousands in your CPF then you can draw out the remaining money slowly or gradually


you know because they want to pay you back so let's say if you pass on right I I really don't know whether your CPF really get passed on to your loved ones ya and and for that to happen I don't know whether you need to set a will because if you don't set a will I don't know whether your CPF payout, will be will go to


your your family or or whoever I don't know ya, ya so that is the like mystery lah there's ya so I think CPF is good but I I really don't know how much of the money we're getting back eventually ya,


okay so do you think that you should DIY or get a financial adviser to plan your finances, eh what does your brother do ah by the way


ah okay,


(mm), no [eh] it's out of my own read up (ppl)


okay so I heard that some someone just got caught using the phone right at work then what happened


wait wait back seat of a


, okay it that's like a three fifty J class, okay, oh shit you didn't see him


oh okay I get what you mean that means like when landing the the child the the seat, fell, the seat back fell on the child okay


but then, the thing is that right you see when you put up the seat right you don't blame yourself because we wouldn't went and test the seat whether the seat back, !huh!, no no no no no I I say that when you put up a seat


ya so let's say ya ya so let's say you were, you you you put up a seat right after is in like bed mode then you put into seat mode right you wouldn't check whether is it secure or not because you expected it to be secure what, we are not a technician to go and check like the sit whether is it working well what


so the twelve hours that you're headway do you all spend it in the hotel


so you you room service ah I guess


okay but but at least you you will feel that


at at least it's just a seat and then you know we were not taught to test whether the seat is, put up securely or not after we put it up but what happened to me was the bassinet falling down that was the worst one ya so I think that is even worse lah because ah I but but the good thing is that after that situation happened right I managed to take very good


care of the the mother and the child until the mum like was very impressed lah then she actually wanted compliment us ah ya, , you I guess because after that thing happen I was very shocked and and I felt very very bad lah because obviously it's someone else's child you you think that the bassinet fell off and then the babies inside you know ya so it obviously scares the mum so much ah and and she was like you know I trust you all enough to you know put a baby bed ah for me and then now the baby bed fell while my baby is inside


on board you know it's very scary for the baby, ya so so you just keep saying sorry and sorry and and I was very thankful also because that time I had like a ah in flight auditor there so the in flight auditor told me like she's a lady lah then she told me eh you know I I know that you you take pride in your work everything lah you are working very hard to show that you apologetic but she said that keep saying sorry is not gonna help the situation what


help the situation is that right you have to treat her better than usual, you just have to you know do anything to make it up for it lah and you don't just keep going there and tell her that you are sorry she say you know if you keep telling her you are sorry right she'll only get reminded of the incident so you just treat her better from there lah so so after that like you know you just keep anticipating her needs lah when you you know when see she's gonna sleep you just get her extra pillow extra blanket


you will see that you know she's gonna eat you just cut her baby's food up for her and everything lah to make sure that her baby is served first and things like that lah, so you just keep taking care of her to the point that she feels that like you know, ya you know even though they made the mistake but they are actually doing their best to you know make my entire flight experience better ya so at the end of the flight then you go and say sorry to her once again like you know for that bad experience then she will tell you eh you know it's okay you all take very good care of us is really okay ya so ya


ya she did she did because it the at the end of the flight I did when and tell her lah sorry again lah ya, and


ya ya ya she sure will still there [loh] so we just ask her like is the child okay and everything lah but actually the child was not hurt lah he just that the bassinet collapsed lah, ya ya, okay so we just let me just see something that we can get from the guide to talk about


, okay so recall a situation where your plans uh you have to force to change your plans against your will


from what


, okay so your your plans like what meeting your friends and things like lah I guess because now you can't be going oversea what ya


, oh okay so right now, , forced to change my plans against my will uh,


I think, if you say that forced to change my plans is usually it it you only have, ah, I only it will remind me of I uh situations whereby we go on a holiday and you plan that you are going to, go to like certain destinations or certain itineraries that you have already planned up for that day and then it started raining ya


ya I always have this kind of situation I don't know whether like, like, I I'm that kind of like like some unlucky you know like #sui jing# or something ya, ya correct it's not raining cloud I just get like like some lousy weather gloomy weather or very shit lah ya so so like let's say when I went to new zealand I wanna go mount cook and then it started like really gloomy and raining that day so we so the sad part is that during my new zealand work trip we never managed to see


see mount cook because it was so foggy and everything so we never had like a good picture of mount cook at all, ya, no but mount cook is supposed to be very nice, it's supposed to be like a like a highlight of the trip you know because I


seen, other people with really sunny like very nice pictures right ya you can see the mountains along the road but we couldn't see anything because it raining and foggy ya, , ya so that was one and when I went to Osaka it


was during like uh I think they had some kind of rainstorm also I I can't remember was it like some, kind, hurricane or whatever, ya, ya then after that we we were supposed to go and see the the


deer right at Nara then we were holding umbrella like you know walking in heavy rain to go run after the deer who are hiding in the shelter, ya you know so so ya so I think the the weather plays a very big part when you go on holiday ya


uh uh so, uh you, we're not described a time whereby you are either heartbroken look down by a relative or friends or feel betray


ah, eh scared your neighbor kidnap or something ,


you you learn lah I guess you learn the hard way but you learn, ya , I think heartbroken I wouldn't say I think the the worst heartbreaks that the the worst heartbreak that I had


was not through like all these like a boy girl relationship is more towards like ah, my dad ya my dad ya I guess that that was really the the heartbroken thing lah because, uh <P2>meg</P2> you know my dad is like in his eighties ready so so throughout this couple of years right he's really been ill a lot but the thing is that right he's always been ill and he like bounce back quite quickly so he when I I think when I graduated he had like asthma and and lung failure


so during that time right he lost like I think seventeen KG and had to be in wheelchair around because he was so skinny, ya he couldn't stand properly and he was so sick and he was always having fever to appoint whereby he was coughing right he coughed until like he black out and he he just black out and then he I was beside him right I remember one day he just cough and then he he black out


and he just fainted like beside me and that part is that he was sitting at the edge edge of the bed and he fainted right his head knocked right down onto floor first and his head started to bleed ya so he bled so bad and I woke up I was like because I was sleeping beside him but I was supposed to look after him you see


to Jaga him lah so I were I were sleeping then I suddeny I I heard this Pong sound I woke up then my father's head was like all bleeding you know , ya it's damn !huh! ya ya ya ya, it's like you hit your head on the floor that kind of bleed lah, ya and it's because he fainted so he just lost conscious for a moment when he was coughing so badly


ya so he, ya so he bled so much and that was one and then subsequently his lung had issues so he always have like uh on and off he had, like uh pneumonia and things like that lah from like lung lung infection then after that he suddenly he had like


the, diabetes he had like uh heart attack that thing he went through a heart bypass surgery then until last, year he had that the major accident which caused him to be bedridden now ya so all these years I just keep having like all these heartbreak because of my dad I think is


!huh!, ya ya and and and he still surviving so I don't know, sometimes we really don't know whether to be thankful or not I mean you thankful that, he's alive but at the same time you just feel like maybe like at some point you just feel like eh is it like you know is it enough if he like you know because like he's really been suffering a lot through all these are illnesses and disease and I


I I'm actually pretty much sure that right if let's say you or me right or anyone who is cautious enough right as like to to be able to acknowledge or reply right, they wouldn't want to be in a bedridden state and be still alive right ya you probably just wanna leave the world rather than have bed sore and have someone change your diapers everyday right have you


I mean of course we are still praying for hoping for the best that you know ya ya ya but, , uh we always we always say so lah, but, you know sometimes we just feel like eh let's face it lah he's already eighty plus lah what what are the odds of him really like you know being able to get back on his feet again is is pretty pretty unlikely but


we just hope that you know at least he's able to recognises us and talk and you know and it came we we can wheelchair him out you know still go out as per normal he has still you know live a bit of a normal life as much as possible ya, but unlikely lah


okay so that is my heartbreak I guess okay so uh you want to talk about , , describe a time where you feel awful after helping someone


, , , I have feel awful, helping someone , uh some, sometimes okay lah ah ya I guess you you feel awful helping someone only when that person is ungrateful


ya but I can't really think of an incident whereby the person, anyone that, ungrateful to me during you know when I tried to help ya, most


he wanted money for meth why did you get him it's like chicken cutlet cannot get me cannot fix my addiction


you think he got no chicken cutlet at home meh ya


okay uh, okay ah for me, describe a time that uh a few awful


I really cannot think of incident but probably ungrateful people I guess ya or described a moment that you felt you were treated unfairly I think for me was during a a negative appraiser by a superior


who had something against me ya, that was when I feel very unfairly treated ya but the thing is that right when you when you have this kind of experience right you you pretty much really cannot do anything about it because they I


precisely they're superior and, , and your words against his obviously who who is the management going to listen to obviously they're gonna, listen to your superior what because he's he has a higher rank over you what ya so did you just come friday you can you can what what you can do is only like like just you know swallow it lah just ya


, bear it let time you know, know, kill it or whatever let time fix it for you, ya, described a time that you feel like giving up


I actually think that I'm someone who give up quite easily is quite sad ya, but , that's why I don't think I I'm a sales stock kind of person I cannot do sales because I know that if let's say I do sales I'll probably have no motivation ya


okay uh, what injustice in the world make you upset, oh okay okay that that doesn't really make uh I think is all the sentencing


of like all the criminals that like like rapist they should get longer longer sentencing and things like that or pedophile ya


in my time of need okay okay recently recently I was helped, by a, I wouldn't say help I would say that is is more like err


is is a help but not , okay because, no no it's okay ya but I I'm just thinking whether is it considered help okay because right you understand that my when my brother was going through university so really like I paid for his studies right so he's paying back for he's paying me back gradually so


which is actually a couple of hundred every month so I think is quite reasonable I mean because I don't expect him to pay in lump sum lah when you are earning like a few thousand bucks you have to pay for your expenses as well ya so so he's paying me a couple hundred every month , then recently because of this uh COVID then uh like ya because my husband got no flights and then you know our household income got affected and everything so


it became a bit more difficult for our family lah then when I told my brother this you know that my husband got no flights you know I never got a he never give me allowance and all that right and things like that so, he he was fast enough to immediately transfer me like couple of thousands he said eh you know this is to return you for you know


last time you paid for my studies so you know to help you to tide through this period lah ya which I think it was it was very helpful of him lah ya it's very nice lah because you know even though I don't need that a couple of thousand but, it was really really nice of him to do that for me ah ya and and is a repayment but you know he's doing early ya just to help me ya


I I didn't expect him to, okay uh, uh I know that he would return me given his character ya but but I didn't I didn't


really you know see as like a, a, ay you must return give me ah I I never keep track how much I lend him so he's the one who keep track so he writes down ya eh you you know last time you give me this cheque and then he will write down how much, and then he will he will know how much he still owe me but I I don't keep track of that lah because to me is money given out to him is given out to him lah I never really because he's your own brother you don't really want to say eh you know I lend my brother twenty thousand to go and study you know so I'm gonna get back twenty thousand in exact you know


ya you don't think about it that way ya so it's like whatever he can pay me back he pay me back lah ya like that lah


it okay it, is that a is he starting like uh POEMS account with you okay is good


ya because I do have a POEMS account also and I do have some blue chips stocks ah and it's quite sad that because even though like, , but you buy stocks you also have to look out lah whether whether it will go up or go down ya but the thing is that


when because, when I bought stocks right I wanted to buy those that are like ah I believe that it is, , safe ah like singapore companies ah maybe like you'll buy like uh SingTel or whatever you think that you know actually it's quite safe ah because is government linked companies ya so but


never say never because I bought SQ and you look at now where are we going and the stocks are dropping like crazy so ya so still can be quite risky sometimes ya oh well okay so we move on to next ah it's supposed to be positive so


ya thought very positive okay uh okay so describe, the best meal I ever had I think is my mum's cooking ya, I I


I thought you always complain about your mum's cooking ,


okay my my yum my mum used to cook much better but I think over the years I don't know whether is because I have been eating out a lot so nowadays I think that my mom's cooking is not as good anymore but back when I I was younger right my mum's cooking was one of the best because it were it's like things that we look forward to especially during like


festivals like chinese new year and stuff ya your mum is cooking a feast like eh you looked forward to eat that kind of feeling ya but nowadays it's like uh my mum is cooking uh okay , like you know, ya maybe maybe ya maybe she's trying to cook like you know she's she's trying to cook ya she's try


okay ya okay so uh what do you think makes you persevere


, ah, uh what makes me persevere, I think uh I think it's like uh, a mindset thing, uh like you know we we spoke about this thing like a gratitude mindset right ya so so I think is a mindset thing that makes me persevere so let's say if let's say like


I had like a a rough work day then subsequently I get very daunted by it or I get very upset by it, when I go to work ya then it when in order to persevere I'll just you know everytime I pray at night or before work I I will just you know


list out things that I am grateful for lah like my job my family and things like that so so having this like gratitude mindset right will make me want to move forward from, whatever negative experience that I have, ya, at work previously then you know I will just look forward lah and say it's okay you know I'm


still very blessed and and things will go better ya you just try to stay on the positive side then you won't try you won't you won't sink back into something that you know pull you down ya,


okay uh describe your favorite activity to unwind and relax please don't tell me exercise, I'm gonna punch you


okay it it clears your mind ya, okay but but it depends whether your your motivation do it, ya and how, how active you are if let's say you are running after a very long time right you definitely will feel like you dread it


ya, so it depends ah I guess, can, but you probably wouldn't go for a walk alone right do you


oh oh ya but isn't, isn't there like dengue and all going on now like


okay ah, ah, ever since my baby came along my my favorite activity to unwind right is actually to take a shower it's very sad, , I'm serious


no okay okay okay playing with him and watch him, grow up right it's it's, it's like it's like a day to day thing it makes me happy but it's not unwinding as not relaxing definitely, because it it can be quite strenuous when he you know after you play with him for like a good twenty thirty minutes and then like you leave him there for two minutes and he start scream !wah! !wah!


then you have to go back to him so how is that like relaxing for me it's not relaxing at all , ya so the relaxing part comes when he goes to bed and then after that I'm able to take a shower so from that shower I I can you know slowly put put cream on my body you know just relax you know ya just because I got nothing to do after that so it's something that I look forward to lah ya it's not like


ya probably probably sometimes ya or or forty five minutes just slowly lah you know just ya in fact you can you want to do mask you don't want to do mask then you shower already put cream you know you put whatever, ya, then things like that lah just relax lah


ya , what is the best surprise that you have given someone


okay I think over the years we have done many, surprises for for our loved ones lah I'm sure ya but


the one surprise that I did quite well was uh back when I was dating my husband lah so be it was his birthday so we went out then after that I just bought him, , I just brought him into a a room


as in like a a boutique hotel and then we just went up and say eh ya today we're staying here ya and ya and he ya and he didn't know at all ya and I really brought all his clothes and things there already so he was like uh, surprise surprise lah ya


oh oh ya ya I remember the jade mountain or something right


but but it was it was his idea to go as well right he told me his client introduced that place to him


, , you you never tell him you wanted halal, cause what


I cannot imagine that you know because you speak mandarin to your dad all your life and you still cannot make it your mandarin how ah


, , sorry I I couldn't help it when you tell me that he used up all his money, to to pay for the trip or whatever then I suddenly recall like he has a girlfriend who booked the wrong hotel in the wrong city


ya ya It's great it's great ya, ya, okay ah so we talk about our time where you experienced personal growth you want to go first


uh I think everytime I step out of my comfort zone or I experienced a hurdle I will have some kind of personal growth, ya it's like uh let's say okay let's say like you you know the couple of times that I had like bad days at work right let's say I I you know I fought with certain colleagues and and we couldn't get along or I have like a negative experience on board or whatever then everytime from all these bad experiences right


and I I walk out of it right I find that I will have grown to be more, a better person lah I guess ya hopefully I hope lah I guess ya I hope that you know after I walk out of it I I became more more sensitive more mature and uh I am more like a tactful lah when i speak to people or more careful ya and things like that and I


I, I I learned to you know not not not let my emotions you know dictate my day or whatever things like that lah or let's say when I step out of my comfort zone you know I go up to succeed alone I go out I travel alone I I do something that is out of my norm


I'll I think I would have grown lah ya I'm I'm braver and you know I'm more street smart in that sense lah because when you're put in a situation whereby you are out of your comfort zone you have no choice but to just be be better than what you used to be I guess, ya


this (mmhmm), okay despite the ongoing global uncertainty what makes you optimistic about the future your house is coming,


, no but you you're gonna have your own nest, this one, ya you you can get to you know dictate what you like or what you don't like in your new place ya, ya you know you can set up your your home and garden kind of Airbnb in your own house


I know I know but, I guess I never had that that that kind of reliance ah because my my parents never really helped me with my chore so I've been doing all my laundry and everything alone like since young ya so when I shift out it wasn't


it was more like I really miss my family rather than someone, ya , ya okay lah, I mean if we are not staying to far you can definitely keep going home what it's okay


(ppc), but your brother goes back a lot right but your nephews are still there right


so if let's say they start going to school your mum will not be the one to take care of them when they come back from school


would you could you like trust them to go on a holiday on their own like like can they ya can they take good care of themselves, never mind lah they can go china


, or Taipei, ya I, I think europe is going to be difficult because your dad I think he will have difficulty find your dad and your mum lah where they have difficulty finding food


financial related topic


for me I haven't started making any form of investment yet other than insurance because I feel like it's very important to to feel secure and to know there in case of any emergencies, like I don't have to take money out of my pocket so


otherwise it's just all about savings and in the future hopefully I can start on stocks play stocks and bonds and all that stuff to keep my money rolling and as for planning for retirement


I think CPF is my best bet lah for now


so meaning like don't take loans is it


okay uh I don't have any experience here so shall we move on to do you wanna share your how you manage your financial commitments before and after marriage


okay


okay uh for me I felt like maybe I should have started investing when my brother suggested it because, or at least get a a more stable job for us you know as cabin crew if we don't fly we don't have any money but if you are working under government sector you might not be affected that much


so I'm looking forward to or I will look into whether if I should switch it to switch jobs in the future, also to make sure that I have more than one source of income like maybe start small businesses like the cookie one was one of it


yes and, definitely will call less Grab because I realize that Grab can amount to a lot ya so uh I have the experiment more with cooking at home getting groceries and know where to find cheaper alternatives groceries ah ya


that is my take what about you


(mmhmm)


I know who you I have someone in mind ya , ya definitely definitely


you don't need to go back to it again right (mmhmm) I have, yes yes ya


I think retiring early is a little bit difficult in singapore because everything is so expensive but uh we have to make sure that you worked really hard when you're still young, can earn as much as you can that's the only thing you can do now and then make sure you have uh


unless you have two jobs or I think it's really quite difficult if you were to survive on one job especially have kids and then you have houses coming in and you have car you're always in debt so if you wanna have financial independence you want to achieve that I think


it's best if you don't go for all the materialistic stuff, save every almost every penny that you have but it's also very unrealistic because you wanna have ah you want to live a good life now we can't be like very frugal and very thrifty and not enjoy everything right now


ya that's my point, okay


ya yes


, but since we are on that topic right then how do you manage your cash flow like how much of your income is


allocated to savings expenses and insurance I'm at sixteen since we're on the same topic


(mmhmm), you keep saying you start late like you know you kind of makes me worry ah okay okay for me right, every time when we, ya when we get our allowances and our paycheck right I will save half of it so I say okay safely I will put aside forty percent and I have two accounts like one is like POSB one is DBS so the POSB is wheres I where I put half of my savings aside so that account will remain untouched no matter what


uh so okay it depends on how much like okay ah maybe on the twenty first where we get our basic and everything right I'll put aside half


and then whenever possible like we get the rest of it I will put aside a few hundred so safely I can say I will safe up about two thousand a month I'll put at least ah ya and, ,


but if you say it's not enough then I need I really need to to you know


(mmhmm) ya


, , okay initially when it comes to credit card I don't think is necessary because I feel like you should only spend on what you have like if you have a credit card you will tend or want to spend more because you can like the limit my limit uh for credit cards is like ten thousand


but now that so many credit cards they have all these like err plans of privileges and pubs right it's really very enticing and I feel like so as long as you pay your credit card bills on time and you're not those like big, spender to begin with lah go and buy a Prada Prada bag every month I really don't think it hurts ah but I will still stick to like one credit card for me that's about it ya


, yes


what bank what bank is that


(mmhmm) ya I think I'm using a same one is like DS DBS altitude card ya


yes, err well I have very little knowledge about this but I think it's very important because I realize that this seeing how this whole COVID pan out right a lot of people cannot be trusted to


to save for their retirement and their health schemes during their silver years so I think if you don't force them right they'll probably end up with nothing and then the government has to take care of them which is very dangerous yes


so I have to I I have no idea also


I think so far I'll trust my brother to to teach me this kind of things but I don't he is doing


research lab research ya but he has a lot of knowledge on these kind of things lah so I think I will ask him for advice first and if really cannot I I find it like something more in depth then probably hire someone I know, to teach me do you have anyone that you know


negative experiences, ya, uh she just gave me a glare it wasn't so bad okay but my negative experience was


uh I was about to to knock off from work, but then something happened okay basically the back seat of the chairs kind of sandwiched a child uh can you imagine it like the back seat okay so I was making I was putting up the seat and then I don't know if I