left then uh daddy was like trying to stay on the that the opposite direction ah then the car actually collided and then actually uh we got into an accident uh but then it wasn't a major accident but thankfully we are okay and I think so far right that has to that has been the most traumatic incident in my life ah because


you can like feel the like huge impact from the from the hit from the bang and actually caused the back of the car to actually uh fold in quite a lot then the the other car the (ppc) the bonnet was actually damaged so the the impact was actually quite huge ah


but thankfully the everyone's life was still intact and there was no major damage yeah then so yeah I think that's the could be one of the most traumatic so far for me (ppc)


, yeah that time we were I think it's like two or three years ago two maybe one one year plus ago only ah we met with the car accident, yeah, but it wasn't a major one lor,


(ppc), (ppc)


, (ppc)


(ppc), so is there anything like uh that is like very big right uh of yourself like of your character right that's actually holding you back from your goal


(hmm),


, I think for me it's uh my I need to be like more uh vocal when I talk to people or give presentations and stuff ah because there was once during uh my internship then uh my lecturer actually told me that actually if you speak up more right you can actually go very far in life


so that really made me ponder that I really need to like voice out for the right things and like if I'm unfairly treated or anything right I should voice it out or let people know ah so that uh they can get my message lah not like every time I mean like being walked upon and stuff like that lah


so I think that if I overcome that barrier of being able to be more vocal and stuff right I actually can reach uh my greatest potential, , (ppc)


so that's, yeah then there's this african proverb that says that the child who is not embraced by the village will burn it down to feel the warmth has there been a time in your life where you have come closest to starting the fire


, , (ppc)


, do you remember that time when we literally was like about to start the fire like then we were at the staircase you me and our neighbour then we were playing with matchsticks and stuff like some burnable stuff like paper and some leaves and all that then we were like


trying to burn the leaves then later like another neighbour like she caught us then she say that uh !wah! you all playing with fire like like we literally like was about to start a big fire right do you remember, yeah so cause I think that time we didn't know what like uh was the dangers of fire lah so we're just young and naive and we uh tried to play with it but we didn't know that it will cause a big thing ah you know I mean like it could have caused like a huge incident mah


but thankfully that neighbour save ah saved us ah , yeah, then is there any time like where things didn't turn out to expectations


not turning out to expectations, , uh I think for me it has to be when I went to taiwan for my exchange trip ah because uh back in singapore the teachers said that they have already arranged for this particular module for us to study there which is actually the holographic uh module lah then I think


I was actually looking forward to it like quite excited to learn it because it's not available in Singapore then it's like quite interesting when you get to play with holograms and stuff but then by the time we got into the school the teachers over there said that for this for this semester the module wasn't


available then I was like actually quite pissed by it lah because , we planned so much and we really uh ready to go there to to learn that but then suddenly we were told that oh it's not available so I feel that it's kind of a waste of my effort to to ask even ask the teachers whether is it available or not in back in Singapore then they say yes


yeah so then we go there the expectations turn out differently, ya is there any time right where you felt helpless or trapped


, uh for me I will say that it was during my group project in poly because it was a industry project and then later most of the group members they like didn't really care about what to do I mean what to do for the project and what to give the client ah they don't


they just lazy and stuff ah so I was literally the only one to do the work then like I felt very helpless because despite my efforts to tell them to do this and do that right they just ignore me lor so at that point of time !wah! the client was coming and then lecturers were like marking my work all that


so I was very pressured and I really felt helpless because, I can't do anything for them to for them to actually put in the effort to do the work, yeah so it was a bad experience ah,


positive experiences


so what was your best birthday present and why


(mmhmm),


yeah,


I think my best birthday present was uh last year uh cause I was in BMT mah in august and then I think it was during yeah I was still in camp at that point of time there uh my friends they all wished me a happy birthday which is


a very memorable experience and it was also uh book out day so we actually went to the nearby hawker centre then we had Mookata then after that they like treated me and later was like it was very joyful occasion lah and then uh we also like one of my friends also like treated me to


ice cream and stuff like that so like to celebrate my twenty first birthday with like such new found friends and such close friends right I really find that a very it's like the best experience that I can ever have lah I don't really like like see the monetary value of a present but


I view the experience that came with it yeah and then also the next the next week I think uh it was before like the field camp week or something then uh my friends actually brought me to resorts world Sentosa there then after that we had a pizza dinner there and then then like


she bought a cake uh with a candle and like surprised me ah so I think it was really a memorable experience uh experience that I like I still treasure to this day I'll remember for for a long time ah yeah


I think the biggest blessing in disguise is actually to like be serving NS right now ah cause like despite the current situation out there uh we're still like having a stable income getting paid


and then not having to worry about like stuff like oh when uh can I get a job or like uh am I graduating I can't find a job or like oh I'm entering school, and what will be affected is will be affected ah so like despite many people viewing it as like a bad thing right it's suffering like it is staying for a longer time or everything right


but I still really think that it's a good cause at the end lah like it still have that uh financial security and also like no worries to worry about yeah


, good ma'am


, , I think it has to be the the chocolate lava cake with the ice cream foam Saizeriya cause like that's the one I always go to because uh I think that like place has a very like homey feel like apart from the restaurant setting and the cutlery they used


and also the the food itself right it's like it's like very homey feel ah so whenever like I eat there right I'll feel like very happy like and then it's also like uh very cheap also it's like only five dollars for that so I think yeah that's like really the one comfort food that I can always rely on


how about you, (mmhmm)


, yeah,


, I will say that it has to be my trait of resilience ah like uh during like BMT uh there were many many challenges ah and like many people like they fall out cause they like they were either like lazy to do something or they were like sick or something but


I still kept pressing on I never like report sick I never like go MC all this then my friends actually said that I have a very resilient character like they say oh you should be voted for like very good resilience or something and then so I think that kind of resonates with my own personality lah


like I feel that things may be tough ah but I just go through it lor I just have a I think I have a strong mindset lah yeah, then what about you


, actually I do during uh my time in poly I had this uh lecturer lah he's called mister tan then actually he's a lecturer that is like uh many years our age gap probably like he's a very senior lecturer probably I would say


in the late fifties but then I would say that he resonates very well with us uh despite the age gap ah because firstly he's very experienced in his uh field of profession and then uh he also doesn't really specialise in what I study which is visual communication


it's actually uh uh spatial design lecture which deals with like interior spaces and stuff but then he also uh willing to consult with us about our works and stuff and how to improve them then he always explain his ideas with like


very concise and precise points ah so that we can just get the idea straight like rather than some lecturers who who just say oh I don't like this idea I don't like that idea but for him he just like he gave his honest thoughts, like how how can we improve on this and why do we want to do this or why do I need to do that in our designs so I think that despite his age gap and being able to resonate with us is a very something that is like not everyone can achieve lah


so I really look up to him on that


, I think it has to be in year two where I was like in my specialisation course and I actually was told that oh uh I have been selected for the director's list so I was like thinking oh I actually worked hard on my project I spent a lot of sleepless nights on it uh spent a lot of hard work doing research


doing surveys and really like getting my project to the best ability and my finest details lah so like when that news came to me right it was kind of unexpected and I felt really quite happy because uh my hard work was appreciated cause you can add that to your records and you can get a


actually get a certificate for that lah so I think that was quite a a time where I got appreciated and I was quite happy about it yeah


, uh actually I will say that it has to be somewhere in the past uh like remember that time we went to japan uh it was a perfect day because like everything uh aligned properly like uh I didn't plan for anything


but everything still turn out to be really nice like I was actually deciding on the places to go uh as we were going along but then when we get to the places we actually made a lot of unexpected discoveries and stuff so to me that was like a really like


something that really aligned to what I want it to be lah like I didn't expect it to be uh I went uh I didn't I went to this place but I got something more out of it so I think that that is a perfect day to me lor,


it was the second trip, yeah, , yeah


yeah


, , yeah


yeah definitely do do think it's like a very modern and very clean uh place for us to visit lah that's why a lot of people like us like young people trendy like to visit Korea


financial related topic, yes


yes I do have a personal insurance, so for me it would be insurance for accident care and so far I believe that I have had an pleasant experience uh with the policy and the insurer because


fortunately I have not met with any accidents so so far it's been going smoothly and how about you do you have any personal insurance


so at this point I do not have an endowment plan as I do not think that it is necessary for me to have one since uh I still have many years till retirement and an an endowment plan would entail an extra expense for me and


extra financial burden at this moment, how about you do you have an endowment plan


, yes actually I think it's it's essential for everyone to have as insurance helps you to prepare you for the worst in case anything happens financially or medically it provides like a safety net for you and uh it covers


err your financial expenses and yes I think it is essential and I have a question is what do you look out for when you're buying an insurance policy


err, err so I'll I'll like to share what I wanna look out for when buying insurance so my main focus will be on the premium paying amount as I feel that the amount of money you


you need to pay for insurance is very crucial and together I'll also take note of the features of the insurance to see if it would really benefit me in case uh anything happens ya


uh I would prefer getting term insurance as uh as compared to life insurance it would allow me to sort of evaluate the how the term insurance has been benefiting me


compared to if I get whole insurance I will have to stay with that insurance package for the period that I signed it for and how about you


err at this moment I, I do not think of getting one as I do not have a stable job per se so I do not have a stable income and


uh having a investment at this point of time would not be suitable as I would not have as much of a returns compared to if I was older and I had uh stable job and stable income, uh and err for you what kinds of insurance do you think somebody essentially need


err I think first thing it would be which company that I would be getting my insurance from so I think the reputation of the insurer would be my top, uh point of consideration because uh different companies ultimately they will allow different products and then they will also have their different customer base and their


and each company would uh differ like in terms of their reputation and then the second point that I would be considering is how knowledgeable my insurance agent is how he or she is able to introduce the features


then the products of the insurance package that they are trying to sell me because I do not want my insurance agent to, basically just wanna sell me the one that is highest paying for them but also want them to be knowledgeable and truthful on that and yes these are the two points how about you


err I think err CPF insurance is definitely something that I believe every singaporean should need and should have because from what uh my knowledge is err majority of the CPF policies is actually


opt out so most of them that by the time you wait a certain age you already have the insurance and you would have to pay for the premiums and I also feel that uh the CPF insurance is quite beneficial in a sense that


for example for those who are unable to pay for like insurance from other private companies they can use their uh CPF accounts to pay the premiums for it and I feel that it can uh relieve financial burden


and, ultimately I feel that it is the safest to get your insurance from a government agency, yes, and


ya I'd I would definitely want to add on the outside insurance like those that you mentioned the short term travel


travel insurance as I believe that CPF doesn't have it and it will definitely be good for me in case that I travel outside and then I got met with an accident, and it'll be very convenient to err directly contact my insurer so ya I feel that


uh outside of CPF insurance you definitely need uh like insurance from other companies to complement your existing ones


I think that, the it is quite a good policy as for what I know it uh it helps like the existing family members to cope with their financial needs in case uh err somebody from their family passes away


and it is err definitely helps to elevate some of the financial burden and then also as I mentioned you can also use your CPF account to pay for the premiums and it's err quite good and since it's a opt out right and some of them may not anticipate their


uh family members passing away so in that sense uh they can they are insured by this even though they did not, think of signing up for this so it definitely helps them to prepare and


uh what are you thoughts on medishield life


(mmhmm), uh I think uh for now I don't have an income but in the future if I have I think it uh heavily depends on how much I am earning that would affect how much I spend on insurance but I feel that


maybe, less than ten percent would be uh good because, for insurance premiums you often have to pay for it maybe like once a year so I I believe that it shouldn't take up err such a huge percentage of my income in the future


and uh how about you


, in I feel that I will definitely need to get one I already have one but in the future I will definitely consider buying up more and in light of COVID I also agree with you I feel that uh saving up is very important so I would definitely


want to consider buying those that uh those investment related that will help me to sort of add get more money in the future, in case something like this pandemic happens again, and yes so in the future I will definitely get


(uh) investment related insurance products


negative experiences


, it okay it depends on what scenario but err, maybe maybe like uh for example in a school project and when like somebody when I like send a message in the group and then it just tick tick and it gets very annoying cause the deadline is due and then nobody reply then


then end up it's just only me and then that's very frustrating and then they like no initiative, like you have to push them !wah! that's very frustrating in almost every group that I'm in it's always like that and then err negative


, maybe when people (uh huh), yes yes ya ya ya


ya my friend ya, ya, same


ya ya, don't like how you work, ya ya ya ya I had this project recently then my friend like also no initiative so every time I ask her I have to ask her like !hey! what how ah like and then I say should I ask them should I send this message then I know hint hint maybe it's also time for her to do something


eh I also don't dare to like straight uh straightforward say that's why every time group project I prefer when like is teacher allocate so we don't really have a choice then there won't be like got this problem, then


err what other thing frustrates you, (mmhmm)


(uh huh), ya ya ya


(mmhmm), ya, ya ya


(mmhmm)


ya ya


, uh, uh


uh worst thing I don't think I saw a lot but I think it's just little thing that like irritate me you know when got rubbish bin and then they just flick their tissue off the table when there's bin nearby !wah! I get very angry and then


uh, eh, err, I don't really have like a big incident that I witnessed then that really like and I didn't do anything about it


, (mmhmm)


, ya ya


(mmhmm), ya ya now that you mention like sometimes when in school then sometimes uh like like there's this person maybe like it's not very it's not the class favourite but then when people talk


bad about like the person in front of me but I also don't I also didn't step up to like !hey! don't don't talk behind people's back it's also very frustrating but ya that's maybe just one thing


ya, ya, ya


, ya ya, ya


(mmhmm), ya ya


(mmhmm), (mmhmm)


(mmhmm),


(mmhmm), and I think I got another pet peeve is when like people are not empathetic with each other, like uh sometimes when like people say stuff they're not they're not sensitive they don't think before like they speak like be it on like your serious issue or like whatever personal issues sometimes like I just hope people try to understand like where others are coming from first before saying something


and, eh ya, okay let me ask you another question, okay in the COVID post COVID world right what are you most worried about


(mmhmm), eh I took one


ya ya ya


yes that's like no but I I think (mmhmm)


not bad actually I took this short term course right like no but then right to be honest it's very informative but then if you have no job to apply to it's basically useless, like like cause like even if I learnt already right I learnt like all the stuff lah okay it's very interesting I learned how to use google advertisements for example but then I don't have any businesses to work with or like anything any real life data to work on so it's basically useless


but it does help you to get maybe uh intern lah maybe you like you can try to say that oh I'm knowledgeable on this this this but I feel that maybe when you get a degree in school right they do teach you more in depth compared to what this short term course


does and ultimately it depends on how skillful you are because for the short term course that this project that we had to do but then it was very hard and I feel that those people who are like who can think faster who have more creative ideas I think they will benefit more


so ultimately it's like dependent on how much you absorb from the course but I'm not gonna lie that it's quite useful the short term course, it's more useful than what I learned in school more practical


in yours in yours future school, (hmm)


ya, ya ya, ya ya


, , ya yes , uh


oh okay recently I watched this netflix series err it's like on a documentary on like food food chain and then the ethical problems behind it and it's very shocking cause


for example like err food product that you never know the like harm like I mean the consequences behind, just to produce that food product like to meet the demands and supply I'm quite a nerd for that but like it's very interesting and then it quite it angered me also cause and the case study was in US so like a lot of farmers exploited then got a lot of crimes and then the environment


so yes I feel that this kind of uh documentary touched me more than like uh romance movies even though some of it some of the romance movies very sad but I feel that documentaries I can relate to more then how about you do you watch any


webtoon


(mmhmm), , (mmhmm), (mmhmm)


, ya , , , , ya


ya,


, , but I don't I don't dare to watch those the those like got gruesome images


like those, that I just don't want to watch


ya ya


oh like they, they blame it on the girl,


, oh ya ya I got watch before, ya


positive experiences, so shermin err can you tell me about a time that you had a amazing travel experience


, your past


, (hmm)


uh


ya, , , ,


err, I think my best one was japan I went to japan a few times free and easy that's the best part cause you basically like wherever you go and then the next destination will be like wherever you feel like going so it's very impromptu


then I had lots of good food then there was one time uh cause I was I went Tokyo uh so we just took a train to Kobe and then we had the Kobe beef and it was very very good but it was very expensive


one time expense , and then uh I had a lot of Ramen I think the most thing uh the one I did the most was shopping bought a lot a lot of clothes and a lot of shoes and I think so far japan is my favourite country to travel to cause


there's a lot of cities you can go Tokyo Osaka Kobe uh I still Hokkaido I still wanna go like explore more countries hopefully after this uh COVID ends I can continue


ya, maybe, ya the transport transport in japan very expensive it's really


ya, it's very, it's like


ya it's like one bullet train from Tokyo to Osaka already like hundred plus two hundred ya then if you wanna go back it's very expensive, , ya


that is just more expensive


, (uh huh), , ya


, airport


, , I I'm so sick of Tokyo banana cause I had it so many times already, , , ya


okay a a few years later, ya , next year very hard, confirm


(uh huh) , optimistic !wah! it's very hard to think uh maybe, uh the good thing is there'll be a lot of changes so uh ya you changes for the good I hope maybe people will be more cautious of their personal hygiene cause now we uh we are being made to


uh take note of our hygiene perhaps it'll become a habit and yes and maybe I don't know more jobs as, more jobs created new stuff


err don't know the news keeps saying more jobs will be created , ya ya true true definitely


, ya, ya, ya ya


I think like err a lot of them start small business like those instagram shop and then like a lot of their stuff right they can get easily on like Taobao and easily shipped to their house so they as long as they got like the idea or what then it's easy to start


their own small business but then if big business I think is very hard now in this climate, ya, uh


who, who, ya, ya


I, ya


ya ya ya ya


, can, can make your own cause now I got follow a lot of instagram shop like those kind of jewellery, and then it's like they buy different parts like a lot of shops got the same stuff but then they like I I don't know they make in make it into their own kind of necklace and bracelet so I think must must you saw right must be like damn creative


, , ya


oh, , ,


yes I don't have pay , ,


fund ya ya I don't even have, ya more , uh


I know right then now cause I start cooking more then I buy new pan buy new utensil , got a lot of new stuff


, was it expensive, !wah!


, ya I also keep shopping I window shop cause, uh cause must take care of my money , just save off first


(mmhmm), !wah!


!wah!


uh cannot cannot gain weight already during circuit breaker I gained and lose cause after that I see online !walao! like they uh I start to cook mah then you know


then like but I never tried baking because, !huh!, cause I cannot bake


the last time I tried baking !wah! it was very bad and then even if want to bake now like NTUC then I went is still like like the stock run damn fast, ya


!wah!, (mmhmm)


did you did you err try making the Dalgona coffee,


oh, (mmhmm), uh


, !huh!, but then you you made right then what like how was it


, , !wah! milk is nice must mix together


no no it depends on the brand, you don't you don't buy you don't buy those Meiji those like very common one that one not nice


but I buy the I buy the like from australia that kind, so I don't know I feel like Meiji quality not good, you, I think it was the same one that starbucks use cause that time I saw then I just


I just went to buy, ya


, , (mmhmm), uh ya ya at the start I wake up in afternoon


, ya,


, , week tomorrow


(um)


ah financial related topic one, okay uh so firstly do you have any personal insurance if so uh please share the details


actually I do have one my mum actually bought for me this insurance that actually like uh covers for like my medical hospitalisation bills ah so like what it actually does is like if I choose to like stay in the hospital


then uh it will cover me for example like up to one thousand dollars but I actually have to pay like only like ten percent of it so it'll cover ninety percent if I choose to stay in hospital or for in and outpatient surgeries ah as well, ya but it was bought like long ago and from what I believe like uh this policy like stop continuing already for this insurance lah like they don't they they no longer like offer this feature anymore but uh since my mum bought it long ago it still stays with me lor


then uh do you have any endowment plan or like do you actually plan to have any endowment plan


actually I don't but I do plan on getting it though if I were to like if I plan to like get married or something I would actually like uh actually consider getting endowment plan cause it just makes me uh regularly save it ah then like in the end I can still get money out as a lump sum


ya and it'll just like reach maturity in like a certain period of time so I actually don't mind then like I have a question actually do you see like insurance as an essential expenditure


for me is uh maybe I'll look out for what I want at that point of time so for example maybe when I'm still young I'll look for something maybe that's for like uh personally to take care of myself ah like uh maybe like for accidents and stuff like that


but maybe when I'm older I'll look for something more of like retirement plans but maybe if like I'm married for example I'll lookout for something like uh if I were to ever like die early uh touchwood I would actually like uh at least with my death like my children can claim some money from the insurance


ya so they won't be like, in trouble if I'm like gone, ya so like uh okay you can you can say first


(mmhmm), then would you like prefer getting like term or like whole life insurance


uh cause to me I'm quite mixed about it cause uh to me it's like uh term insurance is like good cause it has really high coverage but then like I heard from my mum that they're like no returns and you're only covered during the term so I think maybe it's more suitable for like


uh young people and adults ah but I also actually don't mind whole life because like you have like greater returns and then like uh the longer the coverage the more interest will pile up lah so like uh who don't want more money when like


term when it reaches maturity right or when like something happens and then like there's always like added features all that which you can choose to get as well such as like if you reach a certain age you can get like more money or like you can use it for education as well


then like I actually don't mind lah whole life insurance but I think it'll depend on what I need at that point of time lor in life I guess, then uh then what do you think about like investment linked policies would you like ever consider getting one for yourself


essentially depending on their point of life lah like if I were to buy a house I would definitely get like a property insurance to get like my house insured from like fires or like theft or like break in's ah or like damages to property


then uh maybe if I were to like get like for example, a car I will definitely get car insurance as well just in case uh my car gets damaged but right now maybe uh what I actually did last time was I actually whenever I travel I actually got those short term travel insurance


so like uh in case anything happen then after that I got the overseas got the travel insurance to cover me so like uh you know in may I was supposed to go japan right, then because of COVID nineteen my japan trip got cancelled but I actually got the I already bought the air tickets ah so that uh I actually had like uh travel insurance at that time then after that like I tried calling the airlines for like a few months ah


like I I was I calling I called them twice in two months but they keep telling me to wait so when it was like nearing like uh the end of my insurance so the insurance cover me for like my whole trip so if like if by the time I come like, after the insurance I come back then after that like for example the air ticket don't want to refund me then I can claim from my insurance


but then like when I call like the air ticket company they kept saying that they will refund they will refund but there was like no email for me like to say that they'll refund me so like what uh this insurance does is like if I actually manage to get my refund and they send me an email


if I cancel the the travel insurance I can actually get my money back ah from what I actually pay for the insurance so I find this like quite useful lor then like I'm I'm so now like I'll continue like using ah whenever I decide to travel, so it's pretty good


for me then like uh okay if you were to get insurance right what would you like look out for like in an insurance agent then what would you like ask them if you want to get insurance


(mmhmm),


(hmm), uh I think mostly like we're looking at the same thing as well lah like I guess they must be able to like answer like my my enquiries then like they must be able to analyse like what I need and like what are my expectations for example like my budget what kind of like coverage I want so like


would I want like a savings coverage or like a protections coverage then maybe like if I were to like go and get insurance from the agent I'll probably bring my mum along ah cause she's very knowledgeable in like insurance cause she work in insurance company


so that brings to like you know like would I approach like an agent or would I like DIY my own insurance like to me if I would not mind DIY in my own insurance if like I have like a lot a lot of like knowledge and have time like


and in depth research on like insurance and like the different companies but at same time I also feel like I'm not knowledgeable enough for like DIY insurance so I think for me like, maybe I'll most likely approach an agent but DIY I may actually consider but I will bring my mum along so most important thing if I were to ever get insurance I must definitely bring my mum along so she would help me or else like I'm screwed


then like what do you think of like CPF insurance coverage do you think it like it's enough or is it like just all like the basic necessities


, but would you like oh so sorry uh but would you like consider like adding on like another like outside insurance to like the CPF insurance that you'll be like like would you like if you choose to opt lah would you like consider like adding on


like outside insurance


(oo) I see, then like what do you think about like the dependent protection scheme


(mmhmm)


true, medishield life to me it's like I don't think it's uh medishield life is that bad but then like medishield life


ok uh medishield life to me it's like basically from what I know ah is to basically cover like medical bills but only for like in like certain hospitals right if I'm correct cause like uh it's also allows you to get like certain wards so like for my dad


he's covered under medishield life right so like he if he were to get hospitalised he can only stay until like ward C but for my mum like she gets until ward B so I think it depends on how much like you contribute also to it but from what I heard every singaporean will get right medishield life


ya but I just think that uh medishield life is like there's still a limit to like all these like uh CPF like insurance like I mean it's good lah but there's still a limit so like I'll definitely like consider adding on more like


uh those medical and like hospitalisation protection insurance for myself cause I just think that all the CPF ones are just like very very basic they only cover like the basic needs for singaporeans then I would definitely get those like add on insurance


but then what like I think like my favourite one like like one of my most like the insurance that I like the most from CPF is the dependent protection scheme, cause if I ever were like to die then like the government will just give like forty six thousand to like my household family members even though I think forty six thousand is not like like the how much I'm worth I'm worth more than forty six thousand


but like , but like I think it's still like more useful than like eldershield medishield or like medisave lah, ya, okay then like okay okay very important question okay what percentage of your income do you spend your would you spend your insurance on


for me how much am I willing to spend on insurance, depending on what the what kind of insurance I'm actually getting ah for example if the insurance is for example to me it's very important like for me uh what's important right now at this point of life is probably like those uh savings insurance


I think I'll consider like putting in like, maybe like at least like twenty to thirty percent of my income just so like cause in the end like it will still reach maturity and like I'll be getting one lump sum back and it's also good ah in the sense that it actually forces me to save regularly


so that it doesn't make me like, spend so much and like very itchy hand want to like make use like of all the money that I have ya cause uh I ever had like uh calls where like uh people say like once they get a hold of their money then they just immediately spend they don't consider like saving it


or anything for like any like future use so like in the event like for example like COVID then people get retrenched right then say oh I lost my job last time I have money but now I no money uh ya then I think like it's during like these kind of times where like


like all these savings insurance would be very good for me to use cause like I can take that out and I have extra money ya it's like planning for the future I see insurance more as like investment for protecting myself and like for planning for the future instead of like an expenditure ah


it's more of like a very like, worth it's a very worth it investment lor, ya that's what insurance is to me lah but for you eh how do you see like insurance


(um)


negative experiences, , so like uh okay first question is okay so what is like one thing that like when when people do like it actually frustrates you


oh ya, true


I think, oh no like I think like I don't one thing I don't like when working in group is like working with friends, cause like you know you know there are some friends like they're like late or like they take their time then you don't dare to tell them because like they're they're your friends then if I hurt their feeling then they don't like me anymore


then I felt like but I just think like sometimes this kind of thing you just have to tell them but I just don't know how to tell them then I just keep it inside then I'll just hold the resentment like deep inside my heart and then it's so frustrating that I cannot tell like I like you as a person but I just don't like the way you do work


like how do I say that in like a really nice way ya


like pet peeve ah, I think I don't like it when like people are late to like important functions like okay if like you're meeting friends only I think like it's fine if you're like fifteen minutes late but don't be like half an hour late like I cannot take half an hour to one hour late that kind of thing


like I have like this like course mate I don't know how like she can like stay with like her boyfriend for very long because he's always like one hour late when meeting her and I don't know how like she can have like the patience without like getting frustrated at him


cause like it will be like I'll be like so frustrated like we agree to meet at this timing then like if you tell me like you're gonna be like fifteen or like maybe like max thirty minutes I still okay but like one hour late is like legit too much then can you imagine like for projects


I always hate it when people are late for projects and the worst part is like if when they are not sorry they are not sorry for being late like they feel no guilt for being late you know, ya I have like this classmate like I did project with like this guy then like okay just to let you know like he he been through NS before okay so you think like he probably have like a shred of like maturity like to to know that he should be on time for all these kind of things after being in the army


but no he was forty five minutes late he wasn't even sorry leh he didn't even like say sorry to keep like the rest of the group waiting and like like literally we we we were meeting like before like tutorial, then after that like in then we keep waiting for him then we wait until he never come then we decide to start first right then when he comes like oh you all started without me ah then just like then I'm just like what like why can't we start without you when you're obviously like you're almost like an hour late eh like almost one hour late


and then like you still have the cheek to come in and say that and like say that we start without you is wrong ya and then he's it's so frustrating then know then the best part is that he say like he like one of my friends, I'm I'm feel like I feel so bad but like I feel so poor thing for my friend like uh my friend uh poor poor girl what has she done to like have him like her like that


ya but like what's like one of like the worst thing that like you witnessed right but like you don't say anything


ya but you don't do anything


, but recently like I have one lah is like after work like okay so there's this one guy at work that nobody likes because like he a bit uh low EQ ah is what I would say ya then then after that like I think


uh rumours is that he got fired, but like another thing is like people said that like he just choose to like get into another job then after that like uh after work like when he left right a lot of people like just crowd around to like gossip like about him then it's like like personally I don't know the person but I kind of don't like him from like


my one encounter with him lah cause like he's just very like picky then after that he's just very straightforward basically very low EQ so like I'm a person with high EQ so I cannot relate to like this kind of like people like not on the same wavelength lor in that sense


but I kind of feel bad lah that people were like making fun and like like talking like behind his back cause like the poor guy got fired already like how much more you all want to like talk like talk behind his back, like I think like this kind of thing like I just just feel bad but people keep like laughing and making fun of him like how he deserve it and like this kind of thing but I don't think like you should wish bad on people lah like yes he's doing a poor job then like like there's so many opportunities where you can tell him like


is because like you should have more empathy that kind of thing but instead they just like hold it in then they don't say anything then when he's gone they go and make fun of him then I get a bit like like okay like I don't like the guy but like I know this girl she just like when the guy actually quit right


the guy asked her like how come like like I'm I don't he's like I'm not suited for this job then the girl just like ya actually you have like really low empathy so maybe that's why ah, ya I prefer people who just straight up tell him like what why why he has actually like like why is he not suited lah for like the job instead of just like telling of like talking behind his back cause like if you at least tell the person the person can actually like improve from like what you actually like tell him


but like if you don't tell then it's just like the person have no way to improve then like you talking behind the person back behind the person's back will only like make the person feel like more like terrible about the situation lor


but it's like at the same time like you can't really do anything about it lah cause like if if you go and defend the guy then people will be like why are you helping him like what's your problem then I just like I'm just like feel like I just feel bad for him then after that like like I help him like say stuff like you all also not happy


then later like instead of like you all making fun of him you all will be making fun of me next then I think like this kind of thing is like quite bad lah, from what I see, it's like everybody is so easily peer pressured, then it's like I feel like sometimes like their like people are forced to like conform then like when someone is like different then people don't like they immediately start hating lah which I think it's like just really negative and like very bad unless like the person is doing like


something awful or promoting like something or just like jumping on the bandwagon okay so you know like, on like the black lives matter, ya I actually have like this senior he actually wrote like a ten page essay about like like to share like his opinion on like the black lives matter then like his opinion is just like different from like what others like


are going on about lah like uh people are like really like hyped about the black lives matter then like they keep promoting it but he shares like it's because like we as singaporeans we are just like currently undergoing like circuit breaker


then like everybody is more free to like uh educate themselves on this matter then maybe like quite a number of the people who are actually promoting are just like jumping on the bandwagon like trying to act like they actually like study about it so actually say like why do you all care now instead of like


caring back then on like previous like instances on this kind of things lah then after that like immediately like a lot people just started like hating on him like send like what's like your problem like why can't you just support like why must you share this kind of like things then I'm just like what is wrong with like sharing your own thoughts I don't see lah like


it's okay to share your thoughts lor and like it's on his own platform like if you're not happy with what like he has to say then just like show it through action lah don't have to be so negative go and like fight back about it then I think in the end he was like quite affected about it lor then he go and like remove his post


like you can just always agree to disagree you know it's like I've like maybe you could just say like I see where you are coming from but I don't think like uh this is a an appropriate time for you to share something like this lah cause like you'll definitely face a lot of like


feedback negative feedback from others which he actually did lah I actually went to read all the comments cause I was very like curious and very Kaypoh to see like, how they actually like reply to him then like there are a lot of people who are like very angry then they say negative stuff like uh like everybody like deserves to have an opinion except for you that kind of thing like


uh just like everything like uh like everybody is relevant but not you that kind of like thing lah but I just like but there are actually some people who actually like wrote like things that actually make sense lah like they say like oh like I think it's fine to have your own opinion


but like I think like instead of like saying this kind of things you could actually like use it to promote like uh this matter in like a better way ah like maybe like after like the situation has died down then you share this kind of like post then uh it will be fine


but if you share now like they think it's very counter productive ya if you put it in a nice way at least like you're offering like, I guess like constructive criticism is that a thing ya instead of like just being negative about it which just shows that you're just very petty lah about the whole situation like you're just being like like he's like calling you out at this point if like


you're getting angry very easily about it lor, ya so like, true


okay, I think maybe about like being able to get a job in the future cause like as I shared like earlier ah like I'm not very like IT like savvy so like


which is why I wanted to take like a digital marketing course but then like nowadays like everybody is promoting all those like short term, like online courses then one of the short term online courses is digital marketing then I'm just like then what am I supposed to do if like ya people already promoting like this kind of like short term course means like that like everybody can do it lah then what's the point like


ya then I'm like, then I'm like a bit concerned lah cause like I already like signed up for the course then like if I get accepted and everything already right then after that people with this like like four week short term course then after that like they can go and like get a degree out of it or like they get a cert out of it


then like what's the point is like I'm a uh like I get a degree on it then like other people can also do the same job as me, ah it's you uh ya that kind of people you're those people


oh ya true


, ya see, oh, ya I just hope that they will offer like internship experiences lor, cause like with like like so long


correct so like so long I feel like so long as you have like work experience there is definitely right a place out there that will like want you, ya cause I feel like work experience plays like another like huge role, as well when you when getting a job other than like education


ya so I want to like gain as much work experience as possible so like in case like I mess up somewhere in life I at least have like my work experiences from like the past to like fall back on lah so like at least it won't be that bad I hope


ya so like okay so like usually like okay when like okay just like okay since you like to watch a lot of shows right while at home okay why not like okay recall a scene from like one of the show that that you've watched right that made you too angry


, me I'm don't really watch I do more of like reading than watching like those webtoons yes I'm going to read all those popular webtoons, but I think like like documentaries I hear before ah like I saw a youtube video on it it's on like those like chicks


ya like the chicks that like uh that they don't want right they'll just like kill them straight away like if they are like too thin or like not like the right size they'll just kill them then after that like I also see how they like kill pigs and chicken then it's like


it's just very like gruesome then at one part I was thinking maybe I shouldn't eat chicken I should stop eating like meat but I cannot I love meat too much like it's so good but like I know I shouldn't be like supporting this kind of thing and I should be supporting like ethical farmers


but like right now like everything I buy is like from NTUC r like online like I don't know where they are getting all of these for lah but hopefully it's like via ethical means lah or else like I'll be supporting like unethical like animal treatment


ya but I think one thing like I'm I'm like proud of myself is I don't eat beef, I'm saving cows okay, so like cows can produce more milk for me chocolate milk okay chocolate milk, ya like I don't know


I, , no I just like don't like whenever I watch movie especially like those like got a fragile girl then it's like especially like I don't know why like some like movies they like to do those like rape scene


ya I okay you know like the media they once had like this show then they play on right there was this like almost rape scene then then I get so angry like like why why the girl so stupid why must she follow even though like there's like a clear sign that she shouldn't do this kind of thing


ya, ya like why the girl do this then after that like then they make it sound like the girl very stupid then after that like some is like I don't know I feel like people treat like this kind of things like too lightly lah like they say is because the girl wear the skirt too short then because she dressed very skimpy but it's not like


her her fault what that she want to dress that way maybe it's just because like the guys are like they can't control their sexual desires, ya then this kind of thing keep occurring then after that when they show on TV I just like I cannot cause I get so angry like like why like they make the girl look so powerless then why they make it like it's her fault when it's like not her fault for like


wanting to dress a certain way or stuff like that it's like those youtube video about catcalling [lor], ya


so positive experiences


you want ask me about travel experience when when my japan trip was cancelled in may, okay okay let me think let me think , my past one I only been to like taiwan and so far like malaysia but I guess like the best one would be like in taiwan but I think it wasn't like the best for my sister cause like the whole entire trip she needed to go to like the toilet to like


poop cause she had like very bad stomachache so she didn't really enjoy the trip but I enjoyed it a lot, cause like but I think like got one part of the trip where like we went to this place called like <mandarin>六福村:liu fu cun</mandarin> then after that like it's like basically okay so the hotel that we stayed got appear in running man before is the one with like a lot of animals


inside like the hotel like in the centre then you will just stay like outside then after that and the room is like really really like damn huge so like uh initially it's like my parents and will get one room then me and my sister got one room but we found like our room too big


so and then we moved to our parents' room and it's like damn huge cause there's two floors, and there's like not only there's like two bed upstairs with like super huge and like soft pillows there's also like another bed downstairs with pillows as well and like a huge TV but then the weirdest part was like in the middle of the night at that place right there was actually like an earthquake


but but I didn't feel it my parents didn't feel it but my aunt and uncle felt it then they were talking about how <mandarin>那个:na ge</mandarin> earthquake was the earthquake was really bad then like everything was shaking but like to me there was no difference I was just tired and and like asleep but overall like my taiwan experience like very fun and I ate lots of good food


then I think one of like my the most memorable food that I ate that was like the honey strawberry lah, I know it's it's very stupid but like the honey strawberry I ate it on my first day at like the night market then after that the whole entire trip I didn't get to eat the honey strawberry then I keep craving for it until the very last day then I managed to find the honey strawberry to eat it again


ya then what else ah then I also buy a lot of like socks from taiwan but the sad part is that the socks are a bit small, when I try on my leg and my leg and my shoe size right okay more like my leg size is very small already okay you know okay it's it's quite small it's like size seven or eight


it's quite small right for women I think I hope so ya but then like I cannot fit inside a socks then I tried to give away but nobody want also very sad very depressing but ya but I really like taiwan lah like, I also like bought this


oh we also did like the very basic thing that that everybody will do when they go to taiwan we did the the lighting of the lantern then you write your wish then it'll do the float up into the sky thing, ya then I think another okay okay another thing I remember was like we went to this amusement park then they had this like three sixty like just a three sixty degree roller coaster


then after that right at that time I was like quite fat very chubby then after that like you know when the roller coaster go up then after that I thought I was gonna fall off because I was so fat, okay cause they they put the lock but like I feel like the the lock right wasn't like tight enough for me then after that like like the moment like like go upside down then you you can feel yourself like falling a bit then I was so scared because like I was so heavy then after that the thing will suddenly like like break open then I'll just drop and like


you won't see me ever again but I'm still alive now, bringing positivity back to everybody in the world , hopefully, okay then how about you though when like which one was like your best like travel experience


ya


but very unlucky but very bad though I think like next year still have to wait for quite a bit but then isn't like like japan the JR pass very expensive, I was so sad I want


ya I wanted to like go like Hokkaido or like and Osaka right during like the two weeks trip then after that I looked at the JR pass price then I'm like my my heart died a bit my wallet died then I'm like okay never mind let's let's just stay in Tokyo for like two weeks


, crazy leh, ya then can you imagine you just go there for few days only then it's just like hurt my wallet


now I'm thinking okay I might as well do it into like separate trips like for example like okay, no you just go on separate trips like two weeks you go like to japan in like Tokyo then another two weeks you go elsewhere like you go Hokkaido then another two weeks you go Osaka


ya I want to go japan sia then I was very excited cause like, I plan to buy all the souvenirs already then you know you know the Tokyo got the Tokyo banana right they have like the Tokyo banana in like the apple version the hello kitty apple version then I was so excited to go and buy but they only sell it like at the


ya only one of the airport not like both airports only one of it then I specifically right like prepare like a day for me to specifically go to that airport cause like uh I believe like my flight was at Haneda airport but uh the other airport like was where like the hello kitty


my apple Tokyo banana was at then I legit like plan for me to like go down there and like buy like spend a whole day just buying like stuff that's exclusive to that airport only, ya then I plan so nice like so detailed then in the end COVID nineteen came and do this to me


ya lah see so nice ya cause you keep going japan I can't even go japan the only one time in my grad trip I was so prepared to go to japan they do this to me leh


a few years, I'd go next year, , ya it's all because of like COVID , okay then


okay so okay let's ask okay let me ask something else okay, okay so like okay since we're on the topic of COVID right so what makes you optimistic about the future even though there's COVID


, really meh more jobs like what sia


maybe it'll become like more tech savvy lor like I think it'll become like IT but the problem is like I'm very shit in IT I cannot like IT for like for my entire life if I if I knew COVID was going to come like


I would've picked like some IT course instead of like a business course cause now like cause now like like you wanna open business is quite bad cause everybody is doing business like some of my friends they are doing like they're making earrings they're selling this they're doing like baking


then I just like oh there's no opportunity for me to do my business then I'm like I was thinking maybe like to sell clothes or stuff that I like you know like the those online stores the quite popular online stores but then like, it's like quite hard though cause you have to travel to source for like the goods and like and like to like create your have your own factory as well then you have to like confirm have to invest a lot of money then like I'm broke at this age but I don't know how some people like our age right they're so young


but they already manage to like start their own business


ya true, I saw like this famous influencer she do like she open like a digital marketing agency sia, !huh!, who you can go on instagram to find out she's from SMU I believe


ya I realise all like the students from SMU they starting their own business very fast, , I wish I could start my own business as well but I'm so lazy you know I actually like tried going online to buy like those like making earrings kind of stuff but then in the end like I cannot sia I try then I try to find then I realise actually actually it's not very easy to do


then then after that I thought like maybe like I can go and like buy those like cheap Taobao stuff then I sell it on instagram as well but then like what if like I order then nobody buys it from me then I <mandarin>不是:bu shi</mandarin> like very waste my money


right then like pre order not everybody also willing to wait, then so like it's quite hard lor to like if you think about it lah like not very easy to do all this kind of business, and like what if like I go and steal their photos then they sue me for like copyright or for like stealing like their materials


ya there's also all those kind of stuff to think about what, make up


oh ya I saw, ya, ya but ya how am I supposed to be creative when I don't like a shred of creativity in my genes, ya ya but now like I I also follow like those shops then I also follow like this this shop where like now now I follow all the baking lah and all the baking goods those online shops then got this one shop they actually selling honeycomb


now got buy two get one free okay there's an offer, ya then I very tempted to buy cause they have all these like COVID nineteen offers then like how am I supposed to get the money when my pay haven't come yet I'm so sad I'm waiting for my pay eh I'm still waiting so I can go on a so I can go and buy all the food that I want to eat


then after that I recently also like went online then there's this, never mind ask your parents give you money cause they got the COVID the support grant the the care and support


the care and support, every child aged twenty and below the parents will get three hundred dollars each, ya then after that !wah! my dad really like making use of the fund sia he go and like upgrade the house he go buy steamer buy new washing machine then go and buy this buy that


ya correct correct yes, ya then tomorrow I go and make like a pork chop I went to order like this like uh ready recipe ah so like it's from this also from this instagram like like market they like sell they selling like pork chicken seafood all these like online then I go and see then they got those like


recipe set so like basically you you can buy like four pork right four pork I I go and get the pork Katsu set so they'll give you like four tenderized pork and then after that they will like give you like the other ingredients lah like the bread crumbs


then the flour and then like the eggs then the salt and pepper they will provide it all for you leh, no it's like twenty bucks only, ya so I go and buy two sets of that so I'm going to make it tomorrow,


ya uh instagram is really bad for me I keep shopping from instagram, no money , I I tell myself I'm going to save but I cannot save you know like I keep like the moment I see like the money come inside right my wallet then I'm just like okay it's time to spend already


but then I but then I already planned I I planning for my twenty first for next year already, I ya then I I already like found like so like basically one of like uh my my poly the, is that like a classmate not really like a classmate but a poly acquaintance ya the mum actually do like baking then like she very creative leh she did like this like uh like


chocolate cookie Mochi, ya so like basically like if you break in half right can see like outside is the chocolate cookie then inside is the Mochi you know, then apparently they all said it's quite nice then I very tempted then she also do like those like macarons then she do like all the different flavor got Tiramisu flavor got bailey's flavor got durian melon all she do all the like interesting flavor then I very tempted to buy but I'm so broke so I'm like withholding myself


is you I lost weight , I lost weight


oh ya true, the whole circuit breaker I keep working sia, why why you never try baking everybody is like baking sia, it's not that hard if I can do it you can do it too


sold out, crazy sia, oh but I'm going to do like this like cheese baked rice tomorrow


cause like you know you know when phase two start I went to like, this like place to eat with my friends then they do like cheese baked rice then I see already I'm like I was like okay I got to like have this again so I have to make it myself now because it was so expensive


es I tried okay but I was very late to the party like very very very late like I only make because like for fun lah because like I don't even drink like I can't drink like fresh milk in a sense unless like it's mixed with something


like there's something to overpower the taste cause like I don't know ever since like I reached a certain when when my mum started feeding me those like chocolate milk powder right I can never go back to normal white milk powder those normal milk powder anymore I have to drink chocolate milk already, like white milk makes me like feel like puking when the moment I smell it I feel like puking the moment I taste it without anything it makes me feel like puking


yeah, oh I never try I just give it to my sister and my dad I never try like it's fun to whisk then I can I I I will taste the foam but I wouldn't put I wouldn't mix it with the milk I'll I will just leave it as it is lah basically


like I don't know how can you all drink it with the milk the milk is like milk is so gross got those like quite those weird weird smell one from like yes milk has the, okay what brand you tell me what brand of milk is in is like innocent and like safe


but Meiji is like popular what, !wah! buy from overseas buy australia <mandarin>的:de</mandarin> was


ya but like I feel like COVID, the only thing I did during COVID was like work I never really do anything much like initially I thought I self during COVID I going to lose weight but end up like the moment after I work finish then I sleep then after that I sleep already wake up then is time to work then either is is work sleep eat


ya, then that's why I always lose weight cause like I work I always choose to I always like to work at night then after like I work very late into the night I I will sleep then I only wake up in the afternoon


ya then after that I wake up then I feel like there's nothing for me to eat it's too early for it's too late for lunch too early for dinner so I always end up eating one meal a day then that's how I lost weight but now like got this new job lah then I just like


fixed to that timing lor but I have to wake up freaking early then after that my body clock is still like a bit like messed up lor but I'm trying to fix it lah hopefully can fix it by like, the end of this week week before work starts again ya I need to fix it by like tomorrow or else like I'm I'm going to die on monday


prompt slash one dash four, okay


err hi brandon uh can ask you like what's your financial advice that you will give yourself five years ago, so


uh do you question yourself why do your parents ask you to save as much money as possible


they have the best interests for yourself, what we want okay, and not what necessary okay yeah


I mean because uh it's five years ago so I believe that at the age of fifteen we do not really know what is yes we do not really know what is uh really the right thing to do lah we can just only like follow the advices of our adults


okay, so err, err five years actually five years ago to be honest I really didn't know anything about financing because I own I have the stereotypical mindset that only uh people with uh people with a certain amount of money which is their base


uh they only can they can do only they are the ones that can do like financing related matters or decisions because they have the fund to support them so I'm glad that I'm glad that like recently like, two to three years ago I I went onto forums to really read about all these thing because like in singapore I feel that uh we are so uh


advanced in a way that uh people can share their advices freely on internet and some some forums I, see are actually like uh money smart, uh sydney ya, they share uh people can everyone can get online and share their advices with


with us lah ya so I feel that it's good to start early but at the same time, you should have a idea of what you are doing first before engaging in an uh investment or all these things lah ya


so err, currently brandon uh you are twenty years old right, uh how do you plan your finances


I mean ya that's I feel that that's necessary as well, do you plan to get a financial adviser like to plan your finances


the amount is not huge enough, see, the amount is not huge, manage it for you


uh do you think do you think getting a financial adviser will help you or will help you in planning your finances or you can actually decide on your own, because sometimes the, advisers that the financial advisers give you might be you know slightly


inclined to his favor where he, somehow may I I don't know maybe you know, just affects your decision or something, or maybe you think that you have the do you think that you have the right to you know do the all these, ah okay


okay so uh like do you have a like, uh what's your spending habit right now like how much do you save how much do you use, and how much maybe if you have put inside some uh securities government securities or anything whatever


okay


ya because ya, ya ya fixed deposit is the kind of safest, ya so how much percent do you save, like a rough percentage of your, like you know


how much you use how much you safe and how much you, okay okay okay okay okay


you want to ask me some questions


big ticket expenditures, oh, okay uh I feel that uh he or she should, personally do do their do their due due diligence in


having a rough estimate of how much does all these, cost like starting a family you have uh starting a family you need a married a marriage all those cost lah okay then like buying a car and house like have a rough, you don't really need to be scared of like not enough money or what you just have to uh do your research about how much does these cost and maybe you can like go search online or research on like how


how people actually, uh come around come around doing this like which are the priorities like, buying a car first or buying a house first things like this I personally I think it'll be like buying a house first lah because car is a you know


is still not a necessary asset unless you are like financially comfortable, of your house and all these things yeah, so it's best if can, err, go and read up online because there's a lot of uh there's a lot of guides and people that come through these to provide their insight lah so


and also you should trust on your gut feelings lah sometimes after all you read too much but there is no use if, you know it doesn't happen on you something like that, yup


uh for now ah at least it's like eighteen years old is actually quite eh twenty years eh quite impossible to achieve financial independence I mean even my mum also haven't my parents haven't even achieve financial independence cause ya lah financial independence is


is not easy lah, as mean uh you must have a target in mind when you when you do financial planning you must have, err rough target of what you want to achieve and uh how would you like to achieve that


so I feel that is not very easy, but at the same time uh I feel, we all can start, start, start young ya, we all can start young with the materials uh with the err


is that, with the resources we have, ya


uh retire comfortably actually government had I feel that government like is doing a good effort lah because of the CPF so from uh when we are when we are what when we we start to contribute to CPF the moment we start working and


uh monthly contribution of our pay of our remuneration is credited into the CPF account so, I feel that on this part the government is trying their best to actually, err set up a fund for uh individuals that they can use right uh after their retirement so


and these funds is actually helpful because like you also can use in like uh, eh the government also like introduce like medisave medishield all these so it's actually good policies lor but then like, what you must be what you must be uh wait what's your question again


how will how man how do you want to be prepared for the, retirement, ya basically what I say is a good that's already a big plus


for singaporean individuals to actually enjoy their retirement I don't believe that I don't see that other countries has been doing the same like us so I feel that our government is doing a good job but at the same time actually what else can we do anything err


, okay never mind you ask the next question, yeah


or what changes lah actually uh because COVID is already happening for quite some time lah so I because the you know as I, or stay at home almost I almost always just stay at home so uh my parents also have been staying at home since the COVID uh breakdown period so actually in terms of the spending and saving definitely I'll be saving much more than


uh usually when I go out so the saving habits for mine I've been saving like up to maybe usually from fifty percent now I've been saving up to seventy percent, so uh usually the spendings will be like for maybe often often like you give yourself treats lah like you order something very or order some food for your family but other than that is I think is good lah because


my parents buy groceries what I mean I don't have to pay for that so when they cook, I don't have to pay for that so definitely my saving is reaching like higher than usual which is a good thing lah I feel because you get to save a lot of money and


you save a lot of money then your spending also it's also good because like, because these uh breakout period uh this uh circuit breaker period so I don't have to spend my I don't have to go out I can't go out and my spending will be unnecessary eh my my spending will be at its like limited


you know can't even spend anything yeah, okay brandon let me ask you some questions, ah, what what advice would you give to someone to get him out of her debt


don't need to think just say randomly like I I don't think it's like a correct or wrong answer you know


[orh] so must he himself has must have a way on how to return lah that's what you basically mean, alright okay uh do you think like uh, do you think like one should own a credit card, !wow!


spend his money unnecessarily, oh I see yup err


so it's like because sometimes your dad can't even spend up to the limit to and to be, qualified for some prices so you can help him lah, okay alright alright okay I think


think that's good and, last question can I ask you like, uh , what are what are your actually thoughts on uh CPF contribution


yeah


despite despite like people complaining that they can't take out of their money, okay


compound it lah okay, yeah okay


ya because like the CPF I feel that also can spend on other things lah so not only you can use it as money you can use it as like maybe down payment for houses or like, a you know yeah okay


what would advise you leave someone to reduce their income tax, err, can you ask me on the next question lah I think I don't have any much knowledge about income tax lah, okay one of my opinions on the supplementary retirement scheme


okay I feel that this voluntary scheme my is actually very helpful lah because it uh like you said while supplementary retirement scheme it actually like encourage the individuals to uh, save for their retirement lah but then this is a


a voluntary scheme lor so uh people that want to volunteer of course they volunteer people that don't want feel that they can do better with that money they do something else we should like just respect her decision I mean different people have different opinions and mindsets yah so err


ya that's all okay okay


okay, prompt three slash four


uh because I feel that uh I'm studying right now right so like, what make me stress is definitely uh education lah because you see like others you can see like many people like doing quite well you know you and your peers doing quite well and you actually sometimes like just ask yourself like


what would happen if I did not study as well as they like will I be why I really be uh, at a disadvantage or what because that's what you're that's what like my parents always told me like you know you need to you need to be need to study well because like this world is very competitive especially that


the country that we are living in so, I will be stress lah so, I would like I will have to do well lah because like firstly it's like because of my parents also and, maybe I do not want to be the like left left out or


something like that ya so like what I stress I stress about like school lor like school stuff because at this stage like I don't really have anything to stressed about except that cause for now that's the only thing that we really have to, uh do well in lah


I feel like, for now is studying then because it's different when you like grow older, like first twenty years of the, any child in singapore is definitely to study well and like, do whatever best you could and get the necessary certificates all these so I feel that if I miss this phase of if I miss these out already then I would be really at a disadvantage stage because people would have


things that I do not have, so, ya that's about it lah I stressed about how to do well then uh, I will try I will try definitely I will try my best to do well lah but then when you try your best but your actual ability


results into something different that's something lor, have to just know, sometimes I also don't really care so much I just feel that ya I just try my best lah then, if still not enough then I just work something out again if not


just like see how it goes lor, ya okay uh brandon, can I ask you like uh, describe a time where you feel trapped and helpless


trapped or helpless ya


or helpless lah maybe helpless lah trapped maybe it's not so relevant, !wow! okay that uh what do you often worry about


ya, ya if present more opportunities I feel, healthcare sector ya


[orh] okay okay, uh okay you can ask first


describe a time where I think that is it I think that nobody cares about me, uh actually personally uh I don't I don't really feel that way lah at most I feel actually, uh because like


I'm brought up in a only child in the family so like, uh not really saying nobody cares lah I mean, uh because I, no it's not they will always care is as mean like, uh like at home I will like you know do my own things and


or this lah I will do my own things and and I will just like go go out to living room and have some chit chat with them although so actually I don't really feel that like I need people to accompany me or something because maybe I was brought up this way lah I people even if like


I will feel that, oh no one is caring about me but I got my ways to like spend time, to spend the time where where I think that nobody is caring for me you get what I mean


ya I know how to spend alone time but and I feel that this mindset is actually not right lah like like why should, like people is not like obligated to, to to to, to what to spend time with you I mean, I'm I'm saying in a sense that like how do I say I'm saying in a sense that


not the generic ones lah like, okay what do you mean by when you say like, nobody cares about you like is it uh physically or mentally or you know,


oh actually no lah I feel that like, err I have a group of friends that they are they care for me lah so I feel personally I feel personally like assured lor and sometimes where there are things that where I do not like want to like tell my parents and


can like openly confide to my friends which I feel that is a very good thing because like not everything you can like share with our parents lah so if if our friends our friends could like help us shoulder the shoulder the problems and provide their uh suggestions to suggestions and


maybe they can comfort us by saying all this all by by doing some things or I feel that it's quite good lah is, it's good to have like certain friends I, around that can provide this like emotional support when you whenever you need them lah, ya


okay uh what, is the biggest thing can I what is the biggest thing that is like holding you back from your goal, oh okay


ya lah but I believe that is a, since it's a government uh compulsory thing every, ya, and it's like it's like you are not the only one that is like pickpocket out of like how many


singapore male student ya is compulsory for everyone so I feel that it's actually is is actually not say unfair or whatsoever lah maybe it's just uh additional phase of life [orh] ya, I see I see


turns thing turns thing out not to meet my expectation, bullshit okay you just said you just repeated yourself , describe a thing when things turn out not meeting your expectations


oh okay lah like I mean, like I said like when now is like my uh studying phase of life so I'm actually quite stressed about studying right now so like sometimes where I feel that uh, like I put in enough effort and maybe like even more effort than my peers or something but then like


sometimes the, the results just doesn't say so lah as as much that I know that we shouldn't rely on result or whatsoever but then you know, is all the result is, all necessary for that certificate you know so I'm quite actually like


uh questionable about, myself lah I'm not Iike asking wondering like why is others doing like that I'm just like wondering like is this my best effort and why did I do all these and I I only got certain you know, certain score is it because


is it because I'm doing this wrong when I think I'm correct ya I feel that is very important, so, at the same time I still at my discovery stage like I mean trying to like improvise all by myself lah so, uh I will try my best


and this is my last year already so, uh I keep on like encouraging myself that after this I will be, like after year three of polytechnic I'll be done of studying for at least the next uh


two years ya so this is actually encouragement, that I keep telling myself to give to give my further best lah, ya, okay uh brandon so uh can I ask you like, uh


describe the saddest thing that you ever witnessed, what


or is that a very sensitive question I can ask you different things maybe like, uh describe a time when you feel like nothing you do is good enough, not


not oh never good enough, okay oh


she has changed or she has remained the same and because that she has remained the same because you have mature and you feel that is, like, necessary or is it still like, still like she's not reasonable when you are, oh okay she has changed so okay


never enough never never


[orh] but I feel that, ya lah maybe the, more strict more strict expectations for her children is like, no she can she wants her children to do the best so she has to be strict, all the way from young so that you know to instill this in you guys so that you guys will be trying to do your best in everything nice too


ya okay


loss in life ah, describe your loss in life, err my loss in life will be actually not losing something physically lah my loss in life will be like, err, losing myself


you know like, uh at some point of time like, actually I don't really know what to do so, actually that feeling definitely it's not good because like when you're lost in life you will just, first like you doctor yourself


so after you doctor yourself then, you feel that the decisions you make okay you doctor yourself then you are insecure then will feel like the decisions you make is actually, not right, because you, you also don't really want to err


trust others in providing you the right answer that's why I feel so, it's actually my it's actually the worst I feel lah when I cannot like make good decisions and I am at a loss but then ah I've been overcoming these like ever since when I'm young lah so I've been telling myself that uh whatever things happen is because of a reason so like what we can do


for best is actually to if the, situation is already happened what we can do is actually like, trying to uh minimize it is not not minimize it might not be a bad situation sometimes but then it results me at a loss so I have to be more


err, strong have to be like stronger mentally lor I feel stronger mentally and, and, cause as I say lah, I mean at this age we are not like you know experts in anything so


I would have to, work work my way out through, this ya okay so do you have anything else


like maybe, err, maybe I can like try to uh, study harder when I'm like in secondary school or something, or primary school or secondary school like I would


cause I did not like study, as hard when I'm like young so I feel that, that's one of my regret lah and but, because of this regret I've like learn to appreciate everything, and try to work harder than usual so I feel that it without this is actually I wouldn't try as hard or something


because of this lesson lah it actually teach me to, make sure I put in my best effort in everything and not take everything for granted ya okay ya


prompt two slash four


uh my best birthday present is actually is actually uh surprisingly not a very, uh what I what should I say like people and everything that people feel that their best birthday present is like what they get a very expensive !wah! very expensive lah but in my opinion I feel that the best birthday present that I was presented was like uh I my parents give me a surprise treat


uh just a surprise birthday treat so I feel that is actually, uh very heartwarming lah because, feel that a family is the family is actually very important and close to you and we should


uh spend like as much time as possible at weekend, ya so, because like uh I was I did not expect a birthday present as always because I feel that birthday present is actually like, redundant in a sense you know


why must be we like celebrate this day you know but then I feel that (ppc) since my parents know that I do not like like presents so they just bring me out for a trip which is actually, what I uh deserve uh what I uh prefer more lah I can


spend time with them and we can chit chat all these ya, okay, uh brandon what is uh what is, what do you love most about yourself, oh


so you like feel more uh personally involved and emotional eh not emotional uh like feel more personal involve around other people like the people around you lah, more than others okay uh err


what is your happiest moment in your life, or is there any


oh so you feel that when you're finished a phase of your life you feel relaxed and comfortable lah, you don't have any you don't have any like err, commitments to okay contribute


okay, biggest blessing in disguise, okay uh this might not this might not be you might people think that this one might be a bit bullshit lah but


it's not bullshit okay uh okay so I that time right I wanted to take a plane right, ya so uh me and my parents you want me and my parents and my ya lah my whole family, okay it might seem like a joke lah but it's actually not a joke so like we actually arrange for our flight already so we arrange for flight to go to uh taiwan okay


but then, there's something happened at the last minute it's like okay we packed everything up already, we packed everything up already we decided to leave uh house already but then my grandma called, like she fell down in the kitchen so


but then like the scary part is that, uh the plane, the plane has uh some malfunctioning thing, and, after like flying like for one to two hours the


they realize that got this small function thing and they like flew back to Changi airport lah so although the plane didn't really like crash but I guess it was the no the plane like arrived back to uh airport safely and everyone was comfortable and nobody had any injuries but then I feel that if I'm on a plane I'll be like scared


scared to death I knew I will have a trauma for plane really because I feel that, because the incident is also published on the, the new uh the news ya so I was actually quite, although it's not really a blessing in disguise lah but then I feel that


if I was on the plane right it will be you know I will how how impactful will it how, what the the impact will be so big that it will affect my my mental my small mental mind you know, ya, okay uh brandon can I ask you like describe your perfect day


ya okay okay oh


but have to like manage the time quite well lah, alright , ya understand, okay


err can I ask you like uh, describe a moment where things turn out better than expected, okay never mind describe a time where you got appreciated for your hard work


oh


!wah! so Iike did not expect one lah, okay alright do you have anything to ask me


orders and host unique compliment I've ever received, unique ah, !wow!


you are a burden, okay okay alright


uh most unique compliment that I've ever receive, , most most unique compliment


actually can we do another question I don't have actually I rarely get complimented lah so you know okay I mean it's not I rarely got complimented I just got complimented but not I can't think of it as a very odd because, you know compliments are all genuine ya, but you know how people mean I feel that is very genuine I wouldn't think that is like


oddest or you know, most ya


okay I'm uh firstly I'm thankful for like a very uh supportive family I have that actually provide me with the good, uh living conditions and, err, they provide me a good living conditions and uh freedom to do


oh freedom to do whatever I want lah but, when at the age of like, twenty I still become more like you know, discipline and all these so, I feel that I actually appreciate their effort that they brought me they brought me up from young


ya so I feel that without this family like, times will be quite hard for myself as an, individual ya, okay so err, describe one of your most memorable travel experience


like where do you go or whatever, okay okay


oh so it's like a experience lah you feel, these experiences give you a very what it's like different from other experience okay, alright err, I'm actually more curious like what is your best birthday present that you ever gotten and why


oh, oh


so like you feel that is something that you worked for lah that's why, err so like sweet success


okay err, what about like, , what you thankful for maybe


err so like lastly to round up lah so you feel that uh, like, are you enjoying your uh like, youth right now because, now we we are in the youth stage right right so we've been experience the youth stage for quite some time so what do you


how do you feel about you like uh, like how do I how do I say how do I put it, did you completely like, , do you feel that you you have done enough for your youth stage like you have experienced this enough experience that enough make the right decisions or you feel that you actually you are still like


uh sometimes, uh not knowing what to do all these or you are still learning, couldn't make like right decisions or what


like do you feel that you are still making right decisions and you're still you're making good you're making like right and good decisions at this age or you are actually still on a path of discovery all these you know, oh


ya lah I mean, still have to learn right you are still, ya because twenty already some more ya I mean like, different different stages of life when you just completed poly so the next stage of life it's like serving the national service all these different phase


feel like like really naturally as as humans right like we we experience the different phase of life we will, we will have a way lah somehow maybe we are mature enough or or whatever like you will have a way to eventually sort out all these things


like by ourselves but often like we also make bad decisions lah but then it's about us like learning from these maybe bad decisions so that we can get, you know all these positive experience, okay ya we did we come out to the end of the second stage


one one slash dash wait one slash four


okay eh, , okay in my current state what financial advice that will tell that I will tell myself uh five years ago would be like


uh, be sure to save at least like, minimum ten percent of your pocket money a day cause like I didn't really have any savings habits when I was young so like my savings is very inconsistent so like could there were times when like I


spend all my pocket money for a day or like I would still save some, and then but then like my savings were also being spent in like middle parts of, my life, so ya


actually, sometimes I question that but like I also believe that like, we should just


oh like we should just like spend we should just spend on part even, cause yes like I mean okay no we should spend, you should okay actually we need to find a balance between those two ah ya I was !wow! like okay ah actually another advice I would give myself would be like not to spend spend on things that are unnecessary to what you need in your daily life


yes my finally show


ya, for me so okay evan so what is more financial advice that you give to her you when you were like fifteen years old or like five years ago


yes , as of right now to be honest right I only like I only have a like a long term view of my finances but like I don't really have much short term action I just spend right now I have changed for my ways like five years ago I wouldn't really say I spend unnecessarily


but ah I will still spend, when I feel the need arises


err, to be honest uh I don't really think that I'll be getting a financial adviser for my finances cause like, like I have, like taken up like uh, because I was from okay uh in a way my ya it's like I haven't hit the point where like I have too much amount uh too much money but I need someone else to like help me because ya manage it on and also like cause I have


like I think personally I have sufficient knowledge on like, uh on like financial decisions cause like I was ya


ya so, ya I get it lah, err


overall I still think that, I should go uh DIY lah cause like and you get a financial adviser you still like have to pay, him


so right now is like, I, , when I have like put a substantial amount into fixed deposits cause like I haven't really uh done much research on


on like the other riskier securities, ya uh, how many per cent


uh so right now, right now uh my saving habit should be like I think I save like about fifty per cent of like my allowance or like whatever I get lah


I mean like what I spend I don't really my spending habits would be, pretty okay I guess like I I, I won't really spend much uh okay yes I forgot to ask you questions wait so like evan how do you


what is it, okay , okay wait evan like okay, evan how do you uh what strategies do you recommend to someone that would be, planning uh planning their big


ticket expenditures which is like which is like when like someone starts when like someone tries to start a family or like when they want to buy a huge assets I'm not sure


will it be so like on top of that right how do you think like people our age uh what do you think


uh uh how do you think people our age or like what do you think we should do to achieve uh financial independence like from our parents


okay uh, so on top of that like uh what advice would you give to, uh anyone like if they were if they want to retire comfortably in the future or like


oh uh what what are how what uh should, ya in a way [orh]


okay


okay, so like uh cause right now we are undergoing like uh the, COVID nineteen crisis right so like in a post COVID world which is like once everything has been stabilized uh what changes are you like planning to make in terms of your spending and saving habits


oh yes, sure go ahead


ya cause I was thinking wait cause like uh I'm taking this from a life experience lah like cause uh, one of my friends actually uh owe me like a substantial amount of money, so if


so taking that case into account like I think what advice I would give someone to uh like, get rid of their debt, would be like to, properly uh plan how they are going to pay the person like they will have to uh say with their debtor like how much they are going to


put aside uh to like slowly pay back the debt, like for example to say like uh you like if you owe like a huge amount I mean this is also taking like like uh it's like


taking a leave or of like a loan repayment uh that stuff so like you every month you will pay a fixed amount and if like your debtor agrees to it then you are way to go


uh ya, uh personally I don't really know much about credit cards but then uh right now I'm currently holding a supplementary credit card uh under my father's name and like that was he that was because uh my dad uh wanted me to uh what's the thing ah he he just


no I pay my dad uh for every single whenever I use the credit card like I transfer him the money for my own uh savings account or like spending on like, personal account uh so like he wants me he actually made the credit card supplementary card was because uh like because where I spend


uh he'll like get rebate or like you'll get uh some uh credit card points so that he can redeem for like rewards from the, from the bank or like


ya in a way you could say that


uh personally, my thoughts would be like


to be honest I think CPF is a good way to like in a way force people to save up for retirement, like like, ya


ya cause like CPF they provide uh uh pretty good interest rate, so like when you compound your when you leave your money inside to compound it will, like get you'll actually uh really help you a lot for your retirement


ya and also like most people that uh that complain that they cannot take off their CPF right are usually those that, in my opinion lah are those with like addictions or like gambling problems or like they they can't like


curb on their spending so like, so, so those people, are those that really need the CPF and actually those that do not want to take out uh money from the CPF are usually those that have good saving habits and they think for future more


ya ya, ya okay


so wait evan uh let me ask you one uh last question uh what advice would you give to someone, in order for them to reduce their income, tax


ya, okay uh, let me think okay what, okay then what I help you what's on the supplementary terms


okay uh thank you for your opinion on that uh question


okay and that brings us to the end of the the financial related topic


prompt three O four


okay so like uh and I will start off with a very basic question uh what makes you stressed in life like in general


so like one time when I felt trapped ah, so one time when I felt


I I can't seem to think of anything


okay so uh right now in the life what are you I always worry about like, it's like I'm worried about the future the most right now like us uh we are really like right now uh the world is dealing with a lot of things like like


the main thing right now would be like the virus ah the COVID nineteen, quite, so I was worried like how it, that will translate and how like it will affect me and like my peers like people of my generation the like was like the very the near future like let's say within the next decade or so so it's like


like job security is one thing like like right now a lot of people are undergoing uh retrenchment, and like and like I, what I heard lah it's I right now all the, people that have like newly graduated from a university uh are like having difficulty finding jobs in


from like their respective sectors with respective uh job sectors but then at the same time like, there's also a, job security for like the more needed sectors like, like the ya like the medical sector I guess


ya, and also we like your, food industry of the senior, but like, on top of that uh on top of worrying about uh our future job security also worry about is like


is like err, like having to fend for yourself because right now like uh we aren't like financially independent, so it's like next time when you are when you are out in the real world and you are you have to fend for yourself like really fend for yourself like you are responsible for your expenses your income and everything lah like


I'm really afraid that one bad decision would like, it will be like a butterfly effect lah so it's like it'll be it'll lead to a chain of like bad decisions and like I really I'm really worried that my life will just all fall apart like


ya right, so, okay okay so it's like, describe a time uh where you feel that uh nobody cares about you


, okay okay ya when you feel that nobody cares about you


so your parents your waist on