turn out he's an idiot lah not worth your time, really not worth your time, this kind of guy you marry this kind of guy you don't know whether he later in the future he will cheat you or not want you or not, better don't just dump leave it lah


I can relate to how you feel I was cheated on once it's just that I wasn't seriously him, but it's still hurt lah so it was not a very happy, part of my life also when I was cheated on but I'm happier now so it doesn't matter he still hasn't moved on so karma is still a beach so it's okay then


yup for me my worst experience will probably be uh while I was working for six months in that company you know when I got retrenched so , basically what I do at work is I come to work


I wait for the samples to come then I do my work sometimes the sample come at ten PM so I go back at two AM from the whole day I just sit there do paperwork and then wait for the samples then in the end when I got the job I didn't went last six months because I was retrenched


the worst part is everybody in the company ah in the lab lost their jobs just like that, no, no warning no nothing and we all lost our jobs , the thing is ah at that place there was a lot of politics I was not happy ah


I prefer working at the bottom run because nobody to, to, push uh make you happy not need to lick boot but in the end even at the bottom rung also there was politics in this place


then the politics is why we all lost our jobs because uh the lab manager want to keep it his job, so what happened is he secured a job then only he tell the rest of us bye no more work then, okay lah so I got retrenched


if you while I was pregnant , then during the period of my pregnancy after I left the company, I had to file a complaint with MOM, to get the money


it was a long process it was not easy, in the end I got the money back lah five thousand lah but I was from , I just got pregnant all the way till I almost give birth then only I get the money made it was not easy lah keep have to call the company keep have to call ME MOM


keep have to ask them when which when I have to take go for the meeting when I'm going to get a cheque it was very painful for me because I was pregnant then during my pregnancy also my husband ended up in the hospital that was with my first son


so during that pregnancy period was very tough for me one we had no in I had no income because my income was quite high at the back at that time, two, uh my husband was ill, he was in the hospital in and out two or three times during that period


, then I keep having to go up to MOM with my big stomach just to get my cheque back so it was not, the very , pleasant experience for me lah , or in that time then ah I got a job happy ya okay then back in my current workplace so


, the problem here is not so much of the job but the people working I'm working with, so there are two types of people, one do their job diligently then there's another side is forever pushing the work to other people


so , my job is to deal with them every day , so I don't enjoy the fact that I have to deal with that every day I prefer to do things like my paperwork my testing my ah planning but ah


most of the time I had I can finish this in like maybe half a day I really went in the full day today because I'm that efficient so I I spent most of my day dealing with people not doing their work everyday have to go , when are you going to move the things when are you going to bring this up when are you going to bring this down are we when are we starting production why is the things not readyah that's my job every day


ya so I don't look forward to my maternity leave ending actually then I have to deal with them everyday and then oh yeah funny thing is when when you tell someone to do their job and it's not your job scope and in their job scope


the funny thing is the person can tell me why must you do that that's not my job just because people help you do your job doesn't mean it's not your job ya so we have people like that, eh even when it's their job they tell you that is not their job and then they will argue and shout at you for it for nothing sometimes not even you never even do anything you just walk pass also Kena shout


I don't know what's wrong with my colleague sometimes you walk pass only they shouting at you, cause you're blocking the way , but you need to go in the door what then you don't stand in front of the door lah, you stay in front of the the door


no he's, one year or younger than me one year younger he stand in front of the door I want to go in the door I open the door then I I tell him excuse me nicely he he scold me, then you don't stand at the door !wah! lah the door this beside got space mah why you went stand in front of the door people want to go in and out what


ah, !aiya! so this kind of things do happen at my workplace lah another one ah, misplace something , then you misplace your something at your warehouse you ask me where you put how I know where you put, then I don't know where you put never mind lah tell you I don't know right you please go and find tell you nicely I don't know where you put you scold me where it where that where you put


my husband not so bad my husband won't scold me for it he at most he were just ask me this one really he will he will shout at me you know where and where he puts his thing how I know where you put your thing , you ask people where you put your thing how I know, just because I know most of the thing where is it doesn't mean I know where you put everything !wah! you think I can memorise ah thousand over raw material in the warehouse where he goes so funny leh some people who really another one uh


we don't have this anymore, how can you not have it anymore last time you tell me you got one thousand pieces then now you tell me got zero !wah! you eat ah bottle can eat ah, ha, this kind of things lah happen at my workplace cause people lazy


it always the same person lah actually most of my colleague all okay only one person like that but you can can vomit blood you know can vomit blood do you have this kind of colleague at your workplace


, ya to just pass away two years ago right after lilia was born or not


but we can't visit her anymore what to do, , I can completely cannot visit, I completely cannot visit her anymore I cannot even see her anymore


uh , like I got shooed away from the house so I cannot go back


yeah it's,


we have twenty over cousins but only four of us are girls ,


it's difficult lah I cannot go there anymore after I've been shoot away then the this incident actually impacted very harshly on me, uh I haven't seen our cousins in two years since my daughter was born


err I, only like three of you know that I just give birth to another one, nobody else knows that I gave birth to my second son uh my second child them, I don't talk about our family at all


I cannot discuss our family at all with my husband cause it's something personal even though he's my husband he knows what happen but , cannot be I go and tell him everything it's not right also, then it's difficult for me to broach the topic with my father


I want to talk to him also cannot, I don't want to talk to him also wrong , err very err touchy issue lah when it comes to this kind of , family problems lah I


it's very difficult lah for me


she's not rich lah


we cannot do anything about it it's not in so much of ya


about Nenek yeah I agree I miss Datuk also, I thought was the thing that, indeed actually uh kept us together then when he pass away all these things happen I also don't know whether how to face him later


difficult lah difficult it's a it's very difficult and then the the the the the situation our family is in is actually very very difficult we don't know what to do we don't know what how to do it how to fix it it's it's at the point where we don't know


what's going to happen in the future also


this one so much of not having capability we have the capability but she's so old already you think she will ask the lawsuit, it's not it's not it's not healthy for her also


(mm) ya but there's nothing we can do [lah]


positive experiences


, , you always wait for me then you same you know


me uh what makes me happy, actually my kids make me happy, that's ah yeah their their rambunctious run here run there where they make me happy especially now that I just had another one


newborn yeah my, yeah, we call him fishball cause he's so round fishball yeah, yeah


yes yes it's a bit difficult but ya lah happy lah her birthday is coming !wah! buy her present so happy the big uh play-set , so buy for her already she's playing in she's playing cooking makes the design


that's a quiet never never never disturb me ya , some more she's the first girl in twenty three years, in our family, ya no girls all boys after that so she's she's like the most loved little girl in the family


the only little girl in the family actually no more so definitely the most loved, , sorry, I am, also grateful about for my husband he's a awesome husband


he always helps me out with the kids also not just my parents lah he he will listen to me then after giving birth I had post natal depression both kids I had both the post natal depression and he was very supportive that's one of the very very good things about him


he is always there for me very supportive never really complains , complain lah but not much and the best is whatever I want to eat he sure buy , he sure will buy until now, yeah, good also lah marrying older husband they dote on you


they dote on you a lot , , so I'm happiest most ah then I married him ah married the right guy, , so what are the


if you can choose what you want to eat last right what would you eat what's the best thing you've eaten, like you, you eat a lot of things that's why I ask you


ida when you want to go karaoke, let's go again and bring my daughter, , that's the best thing we do right all the time only thing we do all the time, to destress


, like yes


, you will know that very well lah when you working in events ya


the rest of us not really I just want to go karaoke with you even at my house also okay , then we on the the thing then you can dance with lilia, she dance with her aunt can can can she waiting for you she waiting for you her birthday coming she waiting for you


she like rapping a lot you know, I don't understand why she love it and like she's only two eh she knows what blackpink is ah she likes it then like she she likes the song ice cream cause got a lot of ice cream


in the music video, she see the music video lah she like blackpink right and sometimes I want to calm her down I've to on the music video she saw the ice cream music video so much ice cream she like she dance, she dance you know the Gelek


the the shake backside !aiya! she like very funny though then you you see her dance you also laugh, you know what to laugh what to cry what to what don't know very funny ah then after that when she dance she called the brother dance with her, the brother cannot even stand on to dance even


my the brother learn how to smile already, then learn to laugh already, so now every time laughing and smiling then when never nobody entertain him the face, then we laugh at him also, oh ya I need to tell you what happened to the brother that day he he sleeping right !wah! the funniest thing happen you know


where I woke up I was I saw him next to me then I thought okay lah then I picked him up you know got what underneath, baby print of pooh, ya then so funny you know then I was like telling to myself I don't want to watch this I just throw away the shit so much


the so funny then he laugh you know he laughed at me for doing that cheeky cheeky little boy, , me what do I love about myself, the fact that I really finished giving birth


but no one to I don't want to go through that again I'm very happy I it's already over , yes, he want one more then he give birth lah he can give birth it's okay I don't want to go through it again he can give birth it's okay


ya so that is one thing two I I'm very lucky to have a new job right after I retrench got retrenched, so once I give birth it wasn't even in two months then after that err I got a new job so that was like one of the things I love another thing is


I love what I'm doing I love being a chemist, I wouldn't want to do anything else, even if I were to go into the education system being a lab tech also okay I love working with chemicals love working with testing love doing what I'm doing


I wouldn't change it for the world, there are more paperwork also okay I rather do paperwork than deal with people I rather do paperwork than dealing with funny funny people doing funny funny things, ya I rather see the machine fix the machine than fix human don't want


people people not for me just uh I just love my job I don't see people I only see machine I only see line I only see product I only see raw material like they cannot fight back with me I can only check them ya so that's my job I like it, happy the way is


not a people person, not a people person I mean I get along with people lah, yeah, I get along with people it's just that I don't like working with people I get along with people I just don't like working with people I rather work with things that do not argue back with me ah that one makes me very happy


!huh!, no lah we don't have office politics , cause I'm at the bottom of the rung nothing to office politics also, you tell me what to do I just do lah no need to think also ya I also like that the fact I don't to wriggle my way out


Apa, sanitiser, sorry, your , always like that leh already tell them !hais! never mind


my husband, he forgot where he put the bottle and then he ask me where, you know right we know right !aiya! forgetful anyway


ya it okay lah he's only forgetful lah I mean other than that okay and messy but other than that okay ya, good enough already what he's very hardworking you know he OT today tomorrow also OT eh monday also took OT ah then he OT he gave me money eh and more money eh okay lah


why not , you try lah you have two kids and then your pay only how much if he doesn't work like that then how


okay


K then so how do you invest your money to accumulate wealth and, and uh planning for your retirement, how do you invest your money to accumulate wealth, and uh planning for your retirement


the first question, (ppc)


I am planning to invest my money in uh, gold, so uh there's a market for gold you know buy it cheap, sell it a bit more (ppc), to do more uh profit


the more expensive and stuff, (ppc) planning for retirement is more on uh say having a savings plan apart from, uh, the regular bank account I use like probably you know open up another bank account


and uh just to, just for my savings itself like, probably just fixed it for like five years , investing apart from gold, , probably just saving ah nothing much


CPF contribution


to be honest I find it useless, because we only are able to withdraw probably around sixty five or what so , then you may never know whether you live that long so you know for now CPF uh, I doubt it's


useful lah in any way apart from buying a house


it's an uh unseen way of saving but, ya probably fifty, fifty to fifty five or not more than that, so what uh strategies would you recommend to someone planning


for their, big ticket expenditures, something like starting a family buying a car house


I don't have much of a strategy but uh it's more of a , starting a family I don't think so we need a big amount of savings, , I think it's still okay, starting a family starts with your wife and then


kids and stuff I mean plan wisely, uh buying a car or house, house more on a CPF savings, and uh, your down payment for car uh, unless you are buying a first hand car it's going to be expensive but second hand car probably is going to be a little cheaper like COE cars and stuff so your down can be like as low as probably a thousand dollars


ya, so thousand dollars should be, enough to, get a car and drive off, so strategy-wise I don't think so there's a big strategy to do with this


you don't have to, yes correct, so it depends on how you plan your savings, ya and


how do you manage your, financial commitment before and after uh after marriage


uh managing, uh before and after marriage before is probably like the, uh, freedom you know single life so we tend to spend a lot, so uh, if we can control that, and don't control so much ah control here and there bits and pieces


uh, probably in a few years you know whatever you save is going to be doubling up, so once doubled up , after marriage it should be, helpful, and if you and your spouse is like working then


uh, and I mean in singapore is definitely more of like both have as in the couple should work lah both have, the male or the female so, if they are going to work together then probably, before having a kid save as much as you can


so once you know uh, unless you're going to have a kid you're expecting a kid then, that's when is going to be like a one man earning so that's where your savings really kicks in ah to help you up, ya that's my opinion so


post-COVID world what changes, in a post-COVID world , what changes are you making in terms of your savings, or spending habits


post-COVID world, what changes are you making in terms of spending saving habits


since you work from home then probably ya lah you saved a lot but, for me it wasn't work from home it's more of uh, I was still working outside so , having locked down and not many uh, shop being open here and there you know have to


run to the nearest petrol station or what if you are driving, it's kind of expensive, like if you ask me whether I prefer, a mini-mart or a small Mamak shop, than petrol station I think Mamak shop is much more cheaper lah whatever you want to buy snacks or what so


at that point of time where, and now we're having our lockdown and stuff, I was kind of spending more uh cause, not many shops also open, so I have to like literally you know travel to go to a particular shop to buy things


so, savings-wise, I won't say I did save a lot lah I think I I actually did save when it was normal, before COVID I did better savings than


post-COVID so, I think it was more of a spending for me, then people are


so I I actually agree with that ah, was more of a I mean if you are working from home then ya you do save a lot, like eating home-cooked food, but they have their own stress also lah where if you are at home then you got more things to do you see


sound like if you go office it's just office work at home you have to do your housework at the same point in time your office work so, they, okay lah can can save ah if you are working from home but


for me was different ah I I never experienced work from home so I got no idea how it is, yup so uh what do you, what do you think of uh financial independence retire early like how can one


uh achieve financial independence, what do you think of uh FIRE financial independence retire early


okay (ppc) uh, let us know financial independence more of uh retire early if you are going to retire early, so like how can you uh ya


so how can you achieve the financial independent like, how can you, achieve the financial independence


ya investments and stuff lah okay uh for me, to be really very honest, uh in SG I think it was it is more like I mean in, uh since we are all you know in singapore I doubt we


people from the middle class you know it's like it's it's more hard for us, to retire early ya I mean, it's more like a uh we just work, all the way until we ya until you really can't do anything much


so uh, retiring early is definitely not wise, I mean I won't say is definitely not for us maybe it might be but uh it's more of you're born rich you die rich, so


middle class people uh those on the lower class I doubt we can actually, uh retire early, it's more of uh, retiring early is kind of hard, but too many expense expenses, and we're kind of expensive ya


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


okay I personally follow this where uh if I want to get something I make sure you know I'm able to afford it if I can't afford it I just shut up, like you know never mind it's okay we just save up ya, don't go get loan and you know, uh


in debts and stuff so, (ppc), getting someone out of debt is, uh I mean don't don't, look for things you can't afford, go for things you where you can afford lah like don't have to be


you don't have to have a lavish lifestyle if you can't afford it, ya that that's sad lah so uh do you think, one should own a credit card


(ppc) , ya I agree to whatever you say also I have the same opinion so the next one will be that uh what advice would you give


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


I just stick to my first answer save ya like a you just ya you just got no choice you just have to save


make sure you don't invest it in something stupid, when it becomes weak ya, so uh, how do you manage your CPF savings , what advice would you give, to someone in order to maximize their CPF savings for their retirement


negative experience


(ppc) uh, a time when nobody cares about me probably uh actually that the the very first time it was when uh, when I was like in


I think secondary school ah ya secondary school so , when I stayed I did an achievement, on a, getting gold medal for my first the very first uh I mean I was in uh CCA


so uh football and, indian dance like vote, were, you know we came back a gold lah, so, when we came back a gold I came back home, to let everyone know you know I got gold and stuff and


at that point in time no one actually even, uh spare the thought it will be like oh okay, so that was like it was a ya, yes and uh that that's one of it ah, and I like something small to start up with ya


there are number of times where actually I thought nobody, care like a, until recently, where, now I can also see this like you know , I had a medium break up


like it about nine years relationship so, at that point of time, I honestly thought nobody, care about me, like everyone were more interested in knowing what happened, and uh what's the solution instead of, asking


how I felt about the, the I mean how I felt you know when while going through that the period, so ya, that was a point of time where I thought nobody care


(ppc)


talk about the most, heartbreaking moment in your life, can be a moment or moments


okay mine was more of a, mine was more of the


the day where, oh ya uh I told you I mean uh, a while ago I actually told you about this company I was working with we still as in their colleagues and the bosses we still do you know contact each other like uh the heartbreaking


moment came in when, the day my boss as we were running this transportation business ah so the day he actually throw his key down, like literally everyone we threw our keys down, and , once all done you know like within twenty four hours we


didn't you know, we just left the job lah ya at the point of time, so it was really the most, heartbreaking moment that point of time like you know you took like what three to four years to build up their business and


then you just throw it off


I think someone's feeling is, I think that happen quite a lot of times ah, I mean, it it is more of, like


sometimes you know we we just don't know, we actually hurt someone's feelings, ya so it it can be with friends or your partners or what so , , one time


hurting someone's feelings, I, specifically can't you know think of one, and at at a moment how about you


what are some of the hurtful words someone said to you


there was this particular friend I I can't specifically say what was the issue but , he said something I would wish I, I forget was something was , his mum actually approached me to help his family out


so I went to help the family out, and that fella thought I'm sleeping with his mum, I I I I mean I just be straightforward and honest lah so , that point of time it was very uh, hurtful and uh


it was more of a disgusting like dude, like, how can you I mean if you want to like suspect me okay lah, but, do you even want to suspect your mom your own mom, so ya that's that


so that's one thing I would want to forget eh, , (hmm), I have few saddest moments ah not moment


one was like like uh the one I told you, like a while ago the the most heartbreaking moment, that was one of my saddest moment when you know my bosses he throw the vehicle keys so, uh apart from that


ending my nine year relationship that was also, the saddest moment of my life


describe a time where you felt betrayed


I think I agree with you lah probably were previously relationship ah, , now now I I mean I feel like I mean now in it's like, uh I'm, over it so you know, it's kind of like uh, K I ya I can laugh over it but at that point of time it was


one of the worst uh, situations to be, like , you you barely expected something like that to happen, so once that thing happen it's more of like


oh shit yes, you you will feel the pain, is still at the back of your head


ya, so what is a popular trend that you dislike


, I don't have any particular trend lah to be honest, yes I am not I'm not a person who's very into social media so I


okay uh describe a time when you felt like you know giving up


ya done


one time I felt like giving up ah, , the I mean now I am actually laughing already because it were it happen through my, uh NS time, I actually wanted to be a firefighter so bad, but, the first day when I crossover


like we are literally being bullied like do a number of push ups and stuff so it was physically very tough , so that point of time I was like thinking oh my god did I I I actually was on the verge of regretting my decision I actually I regretted my decision big time ah at that point at at that particular day itself


it was like uh things are running on my mind like shit you know like, uh, did I make a wrong move, I might also be a driver or something you know maybe people are like literally enjoying and I'm here suffering the most


but, eventually it paid off ah eventually it paid off so, that was one time you know like uh I had, I I really felt like giving up ah


nothing in particular to be honest I am someone who actually overthinks, so, it can be anything


literally anything it will will just run through my mind and, I won't be able to sleep, that night of so uh


actually ya to be honest there is no particular issue or problems which will keep me awake, it can it can be anything ah


that's something different ah never heard about


okay


, what sorry, what incident still makes me angry, uh, still makes me angry despite having you know happened a long time ago


one incident that makes me angry okay there were this uh particular incident where , , I I like I said I was doing transportation right so I was doing for this company called Bosch so I went to this customer's place to install


the washing machine for her, so once is done, again uh the machine had a manufacture defect, is the drainage pipes lah when we fixed it it didn't, you know uh like, fix up properly so it took me some time


to fix it, so uh, I actually did a temporary, fix for that but uh the problem is, I didn't deliver the washing machine it was delivered by another company like uh Harvey Norman so I went there I went there to fix it up


so before even you know uh fixing the machine up properly , the the consumer actually start you know putting in clothes, and she start to run the machine on, so when I went there the machine was, kind of like disasters ah


like all the water everywhere and stuff so uh, I didn't know she actually filled up for soap compartment as in , , ya there's soap compartment so , what happened is like when, I uh tilt the machine the soap


actually uh, that the compartment fell off, fell off, and then she blamed me for everything she said, I spoilt the machine, ya and, she literally like shouted at me for like about thirty minutes


ya she scold me and stuff so I, you know that's one thing about customer service and we have to just shut up, and, you know customer is right all the time so, to be honest


if only I was not working there, I would like, really do something really bad to her like you know at least something like, something simple like you know punching the face or what like just shut up , you don't know what I went through I I you know I


ya I tried so hard to help you up and then you blame me for everything she literally send like about a five five page email to my company saying that you know I'm not professional enough to handle the situation , I don't know how to fix the machine then I was like okay people deliver the machine to your house their technician is not there to fix it up you still want to use the machine and then you blame the technician !wow!


uh, so ya that's that's one incident like really ya, that that really makes me, very angry but, I'm I'm laughing about it now , you know ya but


the the anger is still there to be honest I I honestly just want to like scream my lungs at her , scream my lungs out at her if I see her one day, it's like a revenge thing ya


positive experience


small things that make me smile, to be honest can be anything,


even the slightest thing where, when I wake up you know, get a text from my girlfriend or what no, even that makes me smile so like the the slightest thing, in life whatever you see in a positive way, it will make you smile, like I


can't literally you know specifically say these are, uh the few things which will make me smile I'm more of a person who, who, smiles at everything


my best friend or partner okay three things in common, , three things I have in common is uh more of uh one one is uh


we had the same past experience, partner wise uh, ya so, due to that we can understand each other better, , ya we guys are relatable


, apart from that, if really have the mood both of us can eat like fish , like I I'm I'm a person who can only eat fish like I don't like chicken I don't like uh mutton


but , you know when really in the mood, okay anything go we just whack the food and stuff, ya I won't be ya I won't be picky or fussy, yes it's like when you're very hungry or when we are really in the mood for good food


uh then anything goes, uh the third one is, both of us really have this, uh common, common goal like a drive in life


where you just want to, somehow prove doubters wrong lah , it's more of a, like all this while the one you know trust us


, that we will do something good in life, and we just want to prove it wrong


how about you the, three things


what are the sacrifices you've made


a thing about sacrifices but uh I won't say is uh worth everything, sometimes it's worthy sometimes it's not it, totally depends on how you, see things like


it's more of a, ya it's actually more on how you see it ah, whether you know you find it worthy or not sometimes


whether it's worth it or not it depends on the result, ya, so sacrifices which I mean that's worth


(hmm), I think ya it's more, more like it seem, I'm also unsure, whether the sacrifices I made it's worth, but I'm just doing it


sometimes is just more of, for the sake of just doing it ya, so


I'm a Marvel fanatic, so I would say, endgame ya so, what do you like about it ya okay what do I like about it


, it really teaches us something like you know, something like teamwork, ya it's like it like literally almost all the superheroes are fighting to just kill one man


thanos so so ya you know you, ya having each other's back and, uh you don't just uh jump into conclusion just go you know fight yourself uh you have to


discuss make a plan, and you know somehow get things done lah eventually they will make a mistake and you know, the the the the message we the message we actually take back is, uh


, the one thing I took back from the movie was uh more of a, ya something like that I mean like a more of teamwork and when tony stark died it is it was more of like, , at that moment you know we we can't depend on someone stronger to come and


take all the stones you know kill themselves, you get it, at that point of time he didn't think twice to sacrifice himself, for for the cause lah so, uh, those are the things I actually like about the movie


(mmhmm)


(ppc)


one please in SG know might as well, but if it's, out of SG then I want to go spain


okay , what are the three things you're most grateful for


ninety percent similar to you first thing first it definitely grateful to my parents, uh without them I'm not here so uh apart from that, yes I am still I mean I I'm I'm like really grateful I have a job, uh which is like you know uh


better in a situation where, I mean I I also got retrenched recently so, , it took me like around three weeks to find another job, so I I I actually ruffling went through the hardship within the three weeks like without a job you know trying to find a job is so hard


so uh, grateful that you know I have one right now some people are looking for job like for months they still uh not able to get one, and , definitely


grateful to my friends and the people around me, like, uh the very first company I worked for my colleagues and my bosses , we are still in contact so, uh, I mean if there's anything or what we


help each other up, we still do meet up once a month, like here and there so , or at least once in two months we meet up, ya, uh these guy actually taught me quite a number of things about life


ya so like till then I was very naive, literally not knowing anything about the world so, they taught me quite a number of things so I'm definitely grateful for that, so, ya apart from that ya actually that's about it lah


so, what are the three things you admire about your best friend or partner


okay uh first thing first the self confidence, she's uh quite confident, I know she can if she is confident in completing something means definitely can complete, ya that kind of thing so uh


I love that self confidence , secondly definitely the the concern the thought, uh and you know, the effort and uh initiative, she takes to get things go on so


definitely uh these are the three things I admire, admire about her, okay , describe your favorite activity to unwind and relax


uh is like the first thing, it's like my go-to friend lah so , uh apart from music activity-wise it's more of I love playing pool snooker uh, so like


that's one , activity which will really make me uh, unwind myself really relax , ya apart from pool, maybe playing soccer with friends


uh that's quite relaxing also, ya so true, so what do you love most about yourself


it will take me very long to give up, I'm kind of like, the hardworking person lah, like I don't give up that easily, so ya I


wouldn't be, actually ya lah it's just more of uh I know I I don't really give up that easily so that's, like one thing I really love about myself


investing my money to, accumulate wealth or, investing I'm not too sure about investing but, it's more of, saving up so my plan is just to, save up as much as I can


actually what are your thoughts about CPF contribution


okay I think I have a counter opinion for, that, because I find CPF, useful but, they can do better you know instead of saying that is sixty five they can just reduce it to fifty five and


lower, so CPF I think mainly because what if you're unable to save, you know like you tend to spend a lot, so CPF in a way it's it's a unseen kind of saving, you know


so in a way it's a good thing that we are able to save like a few hundred dollars every month, and when you retire you should be able to


sixty five they should really reduce down the age


recommendation, would be like start small like you don't have to, like, when you start saving up you don't have to save up a lot in the beginning so, ya just start small maybe like come up with few hundred dollars first


and then slowly, like increase it, so that you know by the time when you, have a family also, that, would be really useful at that time, ya


so but it's it's a good thing to like regularly


cause it honestly depends on, like at that time, how your life is cause you will never know


marriage okay before marriage, I'm pretty sure that I don't really have, much responsibilities, so, that is the time where I should be able to, save up like financially after


marriage you know that's where you have more, responsibilities, and you have more, like you will tend to spend more after marriage you know you have kids and all that, so ya, basically before marriage save up as much as I can


I'm not getting you


actually in a way I find, that, COVID is helping me save up in a way I know that sounds weird but okay before COVID in one day to day you go to work you know everyday you're out so I feel like you tend to


spend more cause I know you, maybe you go for shopping along the way you see something and you want to buy it, or, for instance for me I like food, so I tend to spend, a lot on food


so post-COVID since most of the time is working from, home , eh kind of reduces most of my cost like such as, travelling and like, buying food outside you know


normally is just like home cooked food when you're at home, so it really really helps to


for my case right I think it really depends on the individual okay so, for me lucky enough , there was home cooked food, but for those I think like, you know, you are unable to cook at home or for any kind of reason


that they would have to deliver food to home, like they will always always order food from online so I think that that would be like the kind of disadvantage because nowadays the delivery charges are, more than the actual food cost


so it can be both ways


okay what do you think oh


what do you what do I think what


to show what are what is financial independence, so, you can elaborate what is that


retire early, I mean of course lah everyone wants to retire early I don't think anyone would like want to work until, sixty sixty five when actually , you should be resting at that age, so


yes I would want to retire early, but at the same time I don't want to be at the state where


the best way I could think of is, save ya, that's the only thing you could do, and ya the CPF maybe


have to work all the way


like you said keeping like singapore as a factor the cost of living, down here, pretty pricey pretty, expensive so ya that's that's, funny but at the same time


what I find like in singapore, you know the rich are actually extremely rich, if not when you're poor you're extremely poor so that's that's not like a stable


I was about to ask you that question, I would, say first of all don't take any debt, like, why why would you want to put yourself into a situation where you're in debt, and, you know you will never know okay if you are able to pay off the debt


good for you , if not you're just going to suffer, more so, my advice to, like people in debt or what just just don't take the debt first of all I wouldn't


recommend it like I wouldn't like ask them to you know borrow money from anyone or, something like that, what're you what are your views on that


don't don't don't get it


you don't have to like, like borrow money and then like


don't think so like like I said in the previous like, conversation, I just don't recommend anyone to be in debt so credit card is something like that like you you do take money and then you, pay it off so I don't recommend that


and I don't think you know someone should own a credit card


early is that what you say, comfortably okay


I am actually not too sure about that I have not actually thought about retirement yet, so, not too sure what do you think, save


that's like the bottom line answer for everything, correct actually saving isn't that difficult because, and let's say lah every month, you save up, you know at least


like a fifty bucks or hundred dollar, I think eventually when you see over time it does become like a big money


how do I manage my CPF, saving actually I'm not managing anything ah, I have started work, for the past two years and ever since there are CPF contribution, so, I am assuming that the CPF is still there


so, I I don't really, manage the savings and I don't I have not touched it before ya and


negative experience, okay, describe a time where you feel that nobody cares about you


it just felt nobody cares


I okay there are many times where I felt that nobody care about one that always like stays , within me is uh during like tough phases in my life lah when I was going through, quite a lot and I just


felt where I there was nobody that I can actually share with I could I couldn't talk to anyone and like even like family I felt like they didn't really care about my well-being cause there were days where I didn't really eat for like


a few days and, it would I I was having no I was not in a very good terms with my, like family at that time but, I just felt like they they didn't care, there was one something that would always like you know that I will always remember


heartbreaking moment, in my life heartbreaking


uh like I say like based on that similar past experience like whatever that I was going through that, was, considered my lowest point of time, so


that was the most heartbreaking moment lah


describe a time when you hurt someone's feelings


that's that's very true


like you said when when you hurt someone right you don't realize that you're hurting someone , and no matter what, you feel like that you are right you know you you feel like that you're always, uh at the right place so I have also hurt feelings like many times so once you


would be my parents, I at that point of time you know at that age I didn't realize that I was hurting their feeling, but now as I am you know, a little grown and when I like understand most of the things


I when I think back at that point I'm like shit ya, I really did hurt their feelings a lot, so, that was one scenario and another one is uh, my partner


I think you know there are many times where you know we have argued and all like I do realize that that I'm hurting his feeling but, , at that point of time like I said you always feel like you are right, you don't realize it


so at that point you know after you realize it (hmm), just tend to apologize and then


my parents have said a lot of hurtful words to me, and, is something that I I don't even like want to open my mouth about lah I don't want I don't want to say what they even said, so


that is one, thing that I would like to forget but I just can't, cause I feel like as as a parent you know it's, your own kid you know you you shouldn't talk to your own kid like


that and, as a parent I feel like they failed to realize, that, it's just that you know like anger emotions , they accumulated and there's, this, use such words


what was the saddest moment


saddest moment in my, life uh I would, say it was a moment where I felt like I had nobody, like, literally I had nobody cause, I had so much of restrictions and everything going on so I was not allowed to talk to anyone


and, I was pretty much like always at home, so there was literally like the sad, you could really go psycho man , that's how I I I literally felt at that point of, time cause ya


I I didn't have anyone to share my feelings with I had to like, overcome it by myself so that was, maybe that's the reason why you know it got to a place where, I am who I am now like kind of built me


so, yes those were like the saddest


betrayed in my previous relationship, cause uh, there was a lot of things going on, and, ya I just I just felt betrayed in my previous relationship


and you feel betrayed like how how could you do that to me, ya, like it no matter like how over we are, like right now, it's still like sometimes like very very sometimes kind of haunts you out


I think I would like to say that, I hate TikTok, like as entertaining that it is, like I know TikTok is really like a, very big and it's in trend now but, it's just that something that I don't


enjoy some are nice but some are just , like you you'll feel like why would you want to do that like why are you doing this is it so necessary, I think that's that's sort of the trend that I don't like


cause you are not very into social media


what problems or issues keep you awake at night


so the point where I felt, like what, okay the point where I felt like giving up, was uh is the same case of it like the the past where


I felt like there was nobody that I can share stuff, to and, there was nobody there, I really really felt like giving up, cause it it came to a point where like ah what's the point man what's the point who am who am I


uh, pleasing what what is there to please anyone so that was the point where I just felt like giving up everything


mine is opposite, I would say that when I have problems or when I tend to overthink I don't stay awake I will immediately sleep it off, cause I feel like, that is some sort like a


way for me to like stop thinking stop, overthinking and I generally, get tired when when I'm overthinking or what I I do get tired so I'm the kind of person where if I, overthink or what I'll sleep


ya I mean like you said I'm I I'm a overthinking where even like the slightest thing I do tend to


think a, lot lah there's there's nothing like in particularly that would actually, like makes me keep awake or what ya


what incident still makes you angry, what incidents still makes you angry


did you did she like scold you


positive experience, okay


what are the small things that makes you smile


for me it's kind of similar, like uh like, positive compliments and, small things that is most importantly I think right to be honest is food ah, every time I see food


it just makes me happy, ya so you know when like, people do little things to make your day going or you know when you're having a bad day , and then, people say something those are the little things that


always like makes me smile uh what do you think that we, have like in common the three things that we have


the three things you have in common with your best friend or


we are like always relatable


then not like a picky eater


I think is that that's basically like based on the like past experiences which is like very similar that's why our, so-called thoughts and, like maybe the future goal


oh how about me ya whatever that you said right the three things that we have in, common uh, it's it's something that we really had in, common lah, ya like I said like I think is like based on like, starting from the past experiences which is


like similar that's the reason like why the way that we think, is uh pretty similar, and yup basically we both are like a, anything is okay, you know


that kind of persons, are the sacrifices


I've made that worth everything sacrifices ah (hmm), to be honest right when I do certain things, I don't take it as a sacrifice


so I, really don't think I made any sacrifices that, worth everything, not that I can like remember of, lah, ah that's one thing about me I think I


tend to take things pretty lightly and, I I just forget it and I move forward, ya so I, don't really think that I made any sacrifices what about you


can be okay lah when it says sacrifices it could be anything it could be like small thing or big thing , you know it could be you know sacrifice, or not doing something


have not come across anything, like a huge sacrifice


describe the best movie, or TV show, you have ever seen and what do you like


but I hated when tony stark died, towards the end


have quite a few but when I say best meal okay uh, is this TV show called friends, oh I love that ya I, I have heard about it but only I watched it recently like probably a year or


two years ago lah , so when I saw that I instantly really liked that TV show a, lot, and there's a lot of seasons and episodes for that TV show, basically that is uh, teaches you about friendship


like how they are there for one another, and, they basically just, I'm very happy to go lucky kind of people like the whole, bunch of friends, so they're always like living at the moment and they're always like up to date and making fun of each other


so, that is one of the best TV shows, that I've ever come across, I like it so much right I even thought of watching it, watching the whole season again, ya


which is one place that you love to visit and


I don't think in SG , stargazing okay


me, there's quite a lot of places I would consider myself, like I love to travel I've, been to quite many places


so, and there is a lot more for me to see, and one place would be, canada, I want to go to see the, niagara falls, okay basically what I want to do is that seven wonders right


I kind of want to take off everything, I have already ticked off one, which is uh #taj mahal# in india, so next is I'm aiming, for, ya the niagara falls I want to see it


ya but other than that I have, quite many other places lah, uh ya maldives, that's also a very beautiful place


three things that I'm most grateful, in life is people around me I am grateful you know for my family


grateful for having like my friends so that, you know whenever family okay lah family you can only share like certain things with your family , but when it comes to friends you know you can just let them when you're not feeling so well, uh, you can always turn to them


so I'm basically grateful for my friends, uh my partner and what other things and, most importantly, for the time being cause of the COVID situation and all that I'm grateful for my job


I'm grateful that I I do have a job at this, moment where everyone are actually losing their job


three things I admire about my best, friend or partner ya uh I admire, a lot of things actually, but, mainly is


, just the amount of care, you know they, he really like takes care of everyone around him and he put in a lot of, you know thoughts it's always


like the family first before him, ya even like he doesn't really think about himself, first, and ya that's that's one thing that I admire a lot and, he never says no never like never like


stops a person from doing, something so he is more of like, okay go on which is something that I don't really find uh very normal thing among people, cause, from what I've experienced before and all that I've, people who try to stop him for things you know like don't do this don't do that


or but ya this not the same, and one more thing is, ya, the care the love, all that things that I really admire


to unwind and relax, I love listening to music, like that is my, literally everyday thing to do, so when I want to relax or when I'm feeling stressed out, or


anything any kind of mood, you know I just blast my music that's the, most favorite thing that, uh, that's my favorite activity lah basically when I want to relax also so what I do is just


like on my laptop , I go to YouTube plays some music


that's how you like relax yourself


I think maybe I'm very outgoing like some, ya that's one thing that I really like about, myself like I don't hesitate to to, make friends or make a communication, so


that's one thing that I really like about myself, I'm not very like the introvert kind of person, cause I, have ever come across where like a person is introvert is very hard to communicate with them they never like give you an opportunity or like a path , to talk so it makes it all very


difficult


part one finance right,


what are your general thoughts on like investment at a young age or young younger age, I would say the moment you can start working so like there's some poly kids will start working at like


seventeen right but then some people start working like part time or whatever in uni, uh a lot or like in NS


probably ya


right, right


so you know you know have you heard of this like uh, fifty thirty twenty thing yeah, the way it supposed to allocate, yeah, so do you think that's applicable to like


those groups that I mentioned just now, ah


, in in what direction


alright okay, this uh,


right right fact that that's uh fair way of looking at it, I think , it's important to build a habit of saving, uh so even if


like let's say you are working to support your own education or whatever like even if you can only save like five percent right you should make it a habit to at least save five percent because it's about building a good habit, then uh


the investment things should probably come in so like like what if if you're supporting your education then, I don't think you should follow like a rule like fifty thirty twenty or whatever but rather whatever percentage goes to your education goes to that then end of story because education is important then whatever's left right maybe you can allocate like fifty to some sort of simple investment versus


fifty percent or whatever's left to like emergency savings or whatever, and, even if you don't want to invest then there are always like, like you know the jump start account that standard chartered has like there are always ways to make sure that the place where you save your money doesn't just like a rock


you know it it still does something for you so like, jump start as opposed to like I don't know the, my my OCBC kid's account had like zero point zero five percent interest versus jump start which has two percent so like


every every small step counts and, it's not so much about the amount but getting into the mindset of doing it if you start at the younger age and you become more aware of it then it it's something that when you're your earning power increases it will, translate over


yeah uh, I think, I think there are a lot of people who, who don't think about this, and then they grow up uh


not understanding that, purely saving is not, it's not enough to get them by because uh due to inflation ah whatever your money loses value, and especially expenses like singapore while your cost of living everything is going up but salaries are not necessarily keeping up with it like at the same rate so you need to do something to make your money work for you I guess


I I think so I think it's important and I think it also allows you to understand wants versus needs so let let's say my expenses per week is five dollars as like a primary school kid for food or whatever right uh but I'm given like seven dollars a week


then, on occasion I can, choose to either like save the two dollars or whatever and over the cost of like high risk can better earn myself like ten dollars and then I can go and buy myself something nice, so I


as a kid you learn that by saving and spending within your means that is like just delay gratification kind of thing right where you can save up for something better as opposed to spending the money immediately on something, and, alongside that we also learn that


cause for the most part you'll save because, either you want to buy something eventually so it's like a delay qualification thing or it's like a safety net, , but as a kid maybe the safety net thing doesn't really apply to you because you don't really grasp that concept but you can definitely grasp the concept of like like not spending now so you can spend on something a bit later


and then, I think that concept as you grow a bit older can easy easily you can understand that, not spending now so that you can save in case some problem arises in your future is a is a very small jumped to make as opposed to never having the habit of saving the first place


I think that that's why it depends on like, what you are saving up for, so if if the thing that you want is like a very strong, want


then you, I guess the what I will use is like like how much you want it so if if let's say you really want like a phone but you are okay like getting it later then then you might buy the bubble tea but like if you really really want the phone then you will forgot the bubble tea so you get the phone like a bit earlier this sort of thing


so it depends on your convictions and then it also, I guess at the older age it plays into like how how quickly you need that thing, so, like a very random example could be like let's say you're married or whatever you you you are going to buy a house


then, you might need the house earlier than than something else that that can wait for whatever reason, so you might be more, willing to forgot the bubble tea so you can save that like, three four dollars ah a day


I'm very split on it you know honestly , because I see the merits of both uh, sides of it I guess,


a part of me based on my own experiences thinks that it's a it's a trust thing as well like if you trust your partner then combining expenses no problem cause you don't have that fear that, you know like something when explode and then uh your money that you have earned before marriage like disappear or whatever


and so from the perspective of like building a healthy relationship and building , good financial sense and trust with your partner in order to invest and whatever combine both of you will do, better things than alone


right , but I can also see that if someone is a bit more like uh, what's the word for it , not sketchy like a bit more


I will use the word insecure, then they might say that oh like let's say one day I get divorced or whatever then like whatever money I have earned suddenly it doesn't get equally split so, either partner could possibly lose in that situation,


so I get that concern, and, in I will say in twenty twenty as uh as compared to like our parents generation divorced a lot more accepted in that sense that people understand that their personality differences and people might not be able to continue living their lives together and so it makes sense for them to be able to split cleanly and


you know not lose their stuff, uh so so I I see both sides of it but I think that, to some extent if you are going into a relationship thinking that oh what if one day it explode or whatever then


that's already not a very stable foundation for your financial future, and, I guess the mitigation for that would be quite, usually like as long as long as both parties are same about it, uh should that day come then then as long as you are able to say that okay yeah I understand that you know if we combine the finances will you started off with this much and you put this much more into the house or the kids or whatever and


you are both nice about it and not like what's the word for it like, unnecessarily mean, it can be work out, ya


how early with a marriage, I think that's eh that's a, okay experiment to do, uh but like if let's say you been dating for like six months then you combine the expenses then that's that's very like


ya don't do that it's very uh scary and it's very, you're putting way too much trust in someone you know for six months, yeah, especially you want if the earning power is like disproportionate


so uh for example if one party is working the other party is not for instance, or that sort of thing then if you combined finances it, uh, and the the the the expectations are not clearly set the party who's not working might feel entitled to other person's money and things like that which is


very like dangerous yeah, actually given that we been talking about saving and stuff on that right what are your thoughts on CPF


right, ya okay to to be fair if , I think that uh, if you look at a lot of other countries uh a lot of people rely online social security nets or whatever, , because they


so so it's essentially becomes like, takes back our money and I can I can understand why people would be like why are you spending takes your mind to support people who didn't save properly, uh and CPF is a very nice like, solution to that because you force a person to save certain amount of money


so that, at the , when the governmental intervention comes in to take care of someone it comes in after their own savings are used first, uh, but I think the things that, I might


like not be, very happy with CPF on is some of the conditions they set on like when you can withdraw the money or what purposes you can use it for, my understand it's a very fun


thing to balance sia but sometimes it can be a little bit like frustrating I guess to if you say that for example let's say you turn like, like for it the there was a big thing like couple years back right when the CPF, withdrawal age got raise, like let's say


you are fifty five and maybe maybe you've been working in like some sort of a manual labour in the street for a long time then, you lose, the ability you'll be as active as you were so you want to withdraw some of your CPF savings because like you know your your physical lifespan is your your your physical


stamina is no longer as great, but then you, can't really withdraw CPF yet because like the all the the the the age change though or you don't meet certain conditions and things like that


okay the to be fair I just use fifty as arbitrary number like, not specifically fifty but I think there should be some amount of case by case consideration like if the person loses the ability to work or something like that they should be worked attempt on CPF


I guess we can talk about the some other time


part three negative experience


treated unfairly, I feel like this is very cliche, but, a number of these kinds of experiences happen in NS


, where there were a lot of like power trippy people around, who were there just to to uh, to make your life difficult because they care


so like a lot of the, I can't recall specifics lah but I can recall the feeling of like people just, uh, making your life difficult because they can


ah to instill discipline which I thought was a very like nonsensical way of doing things, they'll, ya so that there were there were sergeants and whoever who would, or who would uh make you like


uh go out change your clothes come back down and like you have like oh thirty seconds go out change your clothes come back down, then another like two minutes go out change your clothes come back down that kind of thing, like although that's not even allowed anymore like it happened like once, uh and it was damn frustrating, uh


so that that was something I didn't quite enjoy, uh, what about yourself


yeah I guess it's the it's the difficult uh, position to be in when people don't recognise the role you play in something as critical as long that


ya I I I definitely do not, and with the situation that you are in, it's it's it's a tough situation I I completely agree, is there have a hasn't have ever been like a situation in which


sorry is there a trend sorry that you are now a big fan of right now


right right,


right I understand where you're coming


right, , I think I have similar issues in like the technical industry where people, are


like in a lot of places people think like, or ah it just the computer is wrong or whatever like you know but like, the devices are based on logic so it's typically a user problem, and then they come and complain about like why something not working I'm like it's because you are not doing it right what


then why would you, why don't you come and ask, uh, what's wrong instead of saying like, instead of saying things like oh your software is broken or stuff like that right, because is it it's very easy to to help a person learn but it's very annoying when someone comes to just like attacks your work like


calm down man


it it's funny because it's not a world issue it's just like a life is stressful issue, but does it, it doesn't keep me awake it I stress sleep, so


yeah it is it's it's it's quite annoying cause like I get stressed then then I I deal with the stress by sleeping then I make up in my work if not die therefore I'm now even more stress, quite, quite the irritating feedback though, uh


but I guess if if we're just thinking about things that like, make it difficult for me to sleep generally emotional turmoil of any sort, so like conflict with family or friends, uh then I just fell asleep like


try as I might I will not be able to sleep which is quite frustrating yeah


a big thing right, (mmhmm) yeah I heard of it


wouldn't agree to it, (mmhmm), ya ya I understand what you mean


yeah I this is like a very common advocacy issue right where like your personal feelings get very involved in, something that, you don't understand why other person won't listen like it's it's not difficult just, just do it


ya I I get away from, uh, it's a it's a difficult, situation but I think, it's one of those things where you need to continue doing it like, because, if the few people hope pushing for it stop right then you left no people pushing for it


yeah and I, I think about whether it is a big issue big thing lah and, like I'm guilty of it to like I prioritise like aircon over no aircon last time lah, uh, but I also


is a kind of weird like disconnect right like I know the aircon harmful but then it's like is hot and so I want the aircon but then, I wasn't make an effort to like bring my own utensils or whatever tupperware, when I Tapau food and stuff like that so I don't know uh


it's about finding work creates on people I guess, but it's a definitely important issue, yeah I I I don't have an answer


there's a show, day twelve yeah, (mm)


part two positive experience


something happy that happen today uh let's uh, uh, nothing so far I've been pretty average you know honestly, uh, I overslept a bit so


uh, not really ideal start to the morning yourself


(uh huh), that's good uh


right okay that's good so, does in general fitness make you happy like gym and whatever, okay


right okay fair enough, uh, anything there's been nice for you this week


do you feel like so so uh we know that like, your your floor mates and all has changed as compared to what you have for the past two years, do you feel like, if you had this kind of floor in the past two years your experiences in school could might have been better


okay that's that's nice, I think is two key things one is my house and the second is like my poly friends who came to err university with me


, my house has been really really great I uh I enjoy talking to them and they hold activities and stuff on a regular basis, , then like for example we have like uh mahjong on friday night and stuff like that which is very nice and they are very like inclusive so


that's something I do appreciate a lot , and the other is like these friends that have come to to to university from poly with neither been I've known them for like some of them up to six years so, uh I quite is it six yeah six years uh so I quite enjoy their company and it's nice to have them around us


I am hoping for productive day to study for a mid term I think I'll be very happy if I finish my task lists


in general like hitting those kinds of goals makes me, motivated to continue, yeah , and that's something that, I am hopeful will work today and tomorrow yes


what's what's uh the really positive childhood experience you had


uh Arashiyama right Kyoto


ya I I actually, relate a lot to them because I had very positive experiences travel in japan tour, , like two two come to find one was , river in Osaka going to visit some temple and then


it's near some train station , but we couldn't really figure out where it was and like google map wasn't helping because I for some reason I can't remember why, uh so we just ask some guy, and then we didn't realise he was walking with his mum, was like just really like old lady


and then he his mum caught up to us and then he I think he asked his mum our question or something like that , and then the both of them were like come we'll bring you there this old auntie and this guy just like, walk for good fifteen minutes to bring us to this temple and then we were like no no it's okay you don't need to like, you know followed but they were so sweet and they they


brought us to temple there and then they eh and then they left and then, I thought there's someone who's that elderly wouldn't want to, like you know they they obviously get tired and stuff right but they, went that extra mile, and the other one I remember, uh very keenly was the day we were flying back


so you know japan like Tokyo like train schedules are like super on point right, , so we were supposed to take some train that brought us to, uh another station where we could take the Narita express,


eh no no no sorry we supposed to take the Narita express yes we already at the station, and then , so our train arrived at for example like like, eight eighteen or something right, and then some other train arrived at eight seventeen


and then that train also say it was bound for Narita but it didn't look like the Narita express train, but then when I bound for Narita it's a one minute difference probably the right train, so we got on and then, we there's some electronic signboard telling us like you know what the route of the train and then we realised that the train will take like an hour and a half to get to the airport and then by the time but I probably miss the check in


so we were like this seems incorrect so we ask someone we showing our ticket and he's like this not Narita express, uh this is some other train that moving to Narita but like in an hour and a half of two hours time, , and then he was like come let me let me bring you to the place where you'll get your train so he we got off at the next stop then he


brought over some bridge or something when Narita express was due to arrive in like a minute also, so, and then he was like on the way to work so it's in the morning, and he did that for us and then, we got the right train lah we were supper appreciative the people in japan are really really super sweet


like their culture is something that I think singaporeans can can learn from


nah I, whole the others train social issues that japan I have the the people there are like super sweet, did did greece live up to this kind of expectation


yeah I understand what you mean, and then I attended a concert


!ouch! okay


I see, interesting, the I've only attended one concert in my life it was coldplay well super worth it, uh it's a very, for the first time I attended concert and it was very high and


I quite enjoy coldplay song so uh it was a very, pleasant experience I I I came out of that feeling very fulfilled, like in a very strange when I like concert did nothing for you right but like I heard very happy after that like going listen to live music


it feels very different compared to, just flagging your your phone then listening


ya I was hoping that wasn't professional I'm trying to think uh answer to that , so I I don't know I do I don't, I don't file away this kind of information so for some reason nothing is coming to mind right now


do you have a surprise of that sort


I mean whose to say it's not going to be like that next time first the, the petition your college run


okay that's nice , it's there a, biggest blessing in disguise that you've had


I think for me I have one which is uh my O level grades, uh, I was expecting to end up, in like a JC uh but I didn't do very well so I didn't hit any of the JC I wanted end up in


and then, I'll just sitting there looking at my grades planning what am I gonna do now right and then my a very close friend came up to me he was like, uh assumed have you seriously considered like poly, and


he brought me to a polytechnic like open house kind of thing and then he just showed me around and ask me like uh, you know that there's something here appeal to you and then, I I had no idea, what I wanted to do at that point so in in the in the form I just alternated like JC poly JC poly


uh and then I was like whatever falls through I will get something, cause I didn't know, and I went to poly and I think that was one of the, best decisions that happen to me as as a as a person so far because, I got to study what I really enjoy and went to feel that I can do well in


I don't think I would have done well in the theoretical side of things at JC, and I meet, very very good friends, who would stay in the same industry as me, so like it doesn't feel so like


not lonely but like, sometimes your JC friends split apart because everybody goes in different directions, and unlike like secondary school where you had like four years to bond with your friends, your


your JC is just two years then just a lot of studying right so like is the friendship will not so close, ah but in the thing I like about poly is like even like the female classmates I had who went to university earlier than myself, , like we still keep in touch because we are all studying similar things


similar each things, uh and, some of them have been very very nice, friends lah so I think the entire polytechnic experience was one of, the, best decisions although, a little bit found upon by some members of society uh one of the best things I've done so far


and why I have some


very close friends I would say, uh, whom I I cherish a lot people whom I've known for like, uh seven eight year more than that maybe uh, they are super important


, I, my family I'm very close then uh I value them quite a lot uh my brother very important uhuh anybody who attacks my brother is going to face my wrath


uh yeah so I I I I can't, due to the nature of these I won't give specifics but uh close friends and family I guess it sounds very generic but, I mean it is what it is I guess


part one finance, okay


what do you define by young age, is it our age or like even younger


okay like, if if I look at poly right I feel like the amount of money that you earn in poly would be how much around like maybe, like, the rates go at like eight per hour maximum, and you still need to like study right


so it's like depends whether , you're you're investing to do, like I think it depends whether like, the reason behind you


working, so I know a lot of people uh work because they , don't have money to pay for school so in that case like definitely they won't be able to invest the money, , but then I think that like coming into university when like people work part time like during like intern like for internships and stuff


, I think I think they should invest about something is very important for them to be able to know how to invest properly, today if you just anyhow suka suka invest then , then like maybe


but I don't think it's, most beneficial, but, if you invest, if if you think about it, and like probably like understand how to invest and then invest then I think it's, pretty pretty good right yeah lah you should be doing that


uh, spend fifty, yeah


, I don't like I don't really think it's, that much applicable to, to like maybe not fifty thirty twenty it's applicable to like, poly kids or secondary school kids that are waiting to go to JC cause I think like more of it should like


more of it should go to like so should be like maybe like fifty fifty your forty sixty instead cause like, like maybe like actually really depends on how much you are earning and like the rationale for them


like going out and like earning the money so if it's because, like if they are earning cause in need to pay for school and like definitely it's not feasible for them to have like uh fifty thirty twenty, but let's say like generally like general probation it's just burn like maybe like before you before like going to JC then they are free


then maybe like the amount of money that they earn should go towards, saving and stuff because I don't really, know if at, at like secondary school or poly level when you you work you have enough


knowledge or enough, sense to know how you want to invest your money, like if you can if you can invest your money and like due to your like parents or something then it be like okay how many invest then I think that works, but I think then but if if that's not the case I think you should be like fifty fifty or like forty sixty carve thing instead but I think for uni kid that's pretty pretty decent


but it also depends on whether you are still to receive a pocket money from your parent and like, how do you account for the pocket money like when you accounted for the pocket money do you only account for, like your expenses, or like do you account for


like taking into factor like oh I can save this much or I can invest this much also, yup how about you


then in that case like you mention like you need to get people to learn how to save so like should parents like, look at the amount of expenses that like a child like maybe would need so let's say if you look at the like uh, six or seven year old so like maybe they need like five dollars per week but then like instead of giving them five dollars they give them like six six dollars


and then they force the person to save extra one dollar so that they can in the future understand what like saving means


but then like if it comes to like saving to get something like from what I've like from what I see from some of my friends like, they always mention that oh I'm gonna I'm saving to get this particular day !aiya! I feel like eating bubble I feel like drinking bubble tea now so I will just get that thing that I want


like slightly later on, which I find like it's a problem when comes to like, saving to spend money later


alright oh I saw this interesting question entertain I mean is question number, fifteen about how do you manage your financial commitments before and after marriage (uh huh)


so like kind of like, what's your views on like uh on like, finances after marriage because, like, I think we've talked about this before where like a lot of people either choose to join their finances


of they choose to keep it separate, and then so like what are your views on this particular topic


sketchy


okay, then how about like before marriage like cause a lot of people start combining income before marriage too, (mmhmm) after you get engage I guess


<B> (mmhmm) okay (mmhmm) yeah okay


I think that , like I kind of agree with, how CPF work because like, being in like the health care industry right you always, see , elderly people come in


who are no longer working, and have depleted their savings, like so their actual savings and like the only thing that they are currently using to pay off is like, MediSave, from, the money that they gotten had gotten earlier so I feel like even though it might not be something


that people who want for those that are it's like don't you know the people that know how to invest uh are able to make good investing decisions may may not be super happy about, like CPF, majority of people


don't invest their money, especially like the older generation, so, and then the older generation doesn't have a steady source of income either, uh if if they retired so like I feel like CPF is a pretty good safety net when it comes to like


medical expenses and like, , other things in the future and basically like, , it forces you to save, money and then you just don't see as your money anymore I guess so I'm I'm kind of like uh I'm I'm okay okay not kind of uh I'm pretty supportive of CPF


oh yeah


no I don't really agree with you because I think that if someone at fifty one should start withdrawing money from their CPF, it's like gave another minimally thirty years to go because the more than thirty age the average lifespan is eighty eight now and so like do they really have enough money to be able to sustain for the next thirty eight years


in their CPF if they don't continue to work, I get, I guess I think that's something that I kind of agree with you but mostly don't


so , yes yes okay, alright


(uh) twenty twenty


part three negative experience, alright no humour okay


, oh wait let's see okay maybe we can start off with


uh maybe a moment you felt when where you were treated unfairly yeah


definitely, okay, so like a lot of times like because of the professions that I'm going into like nursing, a lot of times is looked upon uh very differently from professions that are like similar so other health care professionals so it's like


when you when you think of a physiotherapist or you think of a occupational therapist, you think of them as their own entity, and you think of them as like people who are there, to improve the patients' health but when you think of nursing


the perception that a lot of people have instead they're only there, to assist doctors or like, to assist like a physiotherapist and kind of, like just just there to take care of people and like do all the icky things


and like we do do that and like, it is part of our job scope but like a huge part of our job scope is, managing the patients care uh you telling the doctor that this doesn't seem okay I need you to take a look at it


and so like a lot of times I, like even like for from like the medical students like a lot of nursing students face the problem where, like you don't know what you are talking about you are just a nursing student like how can you on things that


the way that your treatment towards a patient, will matter, like more or equal to the amount of like to to the treatment that like doctors give , give patients so it's like even when it comes to like community projects


like so there was once where I did a community project like I did a question get that was like about community outreach to like elderly, so so it's like we need to reach out to the elderly and like kind of understand what they are going through and like kind of get them to go for health screenings and stuff so


in in that case right like, for me even though I had more experience with talking to the elderly and understanding the issues that the elderlies might have, they will always prefer to talk to the medicine kids


even if the medicine kits were just entering, , like medicine like so even though like they have no experience, and, they are not really taught how to interact with patients, or like treat


treat the patient as a patient and not a diagnosis to like, they are third year , like there's always like, it biased towards people being more, friendly and more open to talking to them which a lot of times I feel I feel like it's very unfair because


like, my skills, like objectively in that specific scenario are better than yours and yet I'm being treated as if, my skills are not


good enough , so I think I think that's one of like the biggest things, that I feel, like I have been treated unfairly and like not only me lah just like generally the profession is, not given enough credit


uh yeah, so


ya I could go on and on about like how like nurses are not treated fairlyuh but but I think that there has been, there has been an increase in the awareness of roles of nurses


or or or maybe they hasn't but I just feel like it because I stay in my echo chamber, I really hope it's the formal but I think it's more of a latter, so I think that's pretty disappointing but, I think only time can tell, and I think I just need to do the best I can do to be able to portray nursing in a positive light and that yeah


(mmhmm), a trend I think, (oob) I think a trend that I'm really not we're happy about is like how people will


always , like okay a lot of my views will be health care related but like people will always search out their symptoms and be like okay I have this, and then when they go to a doctor it's not uh


it's not to court it's not to ask the doctor like doctor what's wrong with me, but it's to demand a treatment, from the doctor or from the nurse, so it's like it's like me going to, see a GP and being like I have a runny nose I want antibiotic


so I I think that something that really uh, have, really doesn't like sit well with me and something that I dislike, I do think it's very important for people to be educated on on problems but I do like another thing is that like a lot of times like the information available online doesn't give you the whole picture


so it's like if I google migraine I google stuffy nose I google uh sore throat and whatever then it like maybe they just say that I have cancer and I'm gonna die, and then so so, I think it's stuff like that which


like I I I'm not really a huge fan of like web MD when comes to like the use of like likely man using it


to diagnose themselves and like demand a particular treatment even though like as a health care professional, I know that this treatment might not be the best for you but since you've decided that you die also want that treatment then like I have no other choice but to give it to you


yeah so it gets frustrating at some point lah I'm like you have a virus you cannot take antibiotics it just gonna make the matters worse but people are like no no no no no antibiotics are, are are the only way to solve my problem and I'm is like oh my god why don't you understand


so yeah, (mmhmm)


what am I doing wrong, (mmhmm), yeah


I think I think a lot of it has to do with the way that people phrase their questions of people phrase the way like it's just like basic communication, that I think people are lacking quite a fair bit now to !hais! right it's what problems or issues keep you awake at night


, that's perfectly fine


ah lucky


I think from me personally like currently there's a few things, that keep me awake at night but the main thing is like, environmental ignorance so like


what keeps me up at night is like so like everybody knows that we need to be more sustainable and everybody knows that like climate change is real even though like, some people continue to deny it even though


the signs are there and and they it makes me very upset , or like it keeps me it's just doesn't doesn't sit well with me when people say that yes environmental issues are very important but I'm so lazy I don't want to change my habits


and then I think I think that frustrates me and might, the main thing with that that keeps me up at night is that how do I, convinced this person, to give up their , give up the current habits that they have


and change it to have new ones I just slightly more inconveniencing, like, I I just and and I just I I guess I just can't wrap my head around people who are like oh it's so hot because the climate is warming never mind I just turn on the aircon


and then like, like that kind of behaviour makes me realise like how, how privileged we are in a society to be able to close our eyes towards , like the climate crisis and be like oh it's not here yet it's coming but the effects are not here yet and


I just think about it and like you think about like, the less privilege people and, and is like for them climate change is here the effects are here, and, it's worse that's ever have it it ever has been before and like we always be like oh like people in a third world country don't have enough clothes don't have enough this


but then like I think one of the major things that we can do as a population, , who are privileged is to and reduce our carbon footprint because I feel like that's a huge, I think


ya that that's a big thing that will help with, a lot of things like you know like you talk about like one of the sustainable development goals of the uh UN have you heard of it, yeah so the second one, or the first one is zero hunger


then I just think about the amount of food that we waste in singapore I'm just like, we could solve world hunger if we just decided to waste lesser food in singapore, so one fourth I think, the amount of food that singapore waste


could solve, like if singapore sends all the food waste, in that sense to like, people who don't have enough food I think if if I remember correctly, half of the people would be able to like live


like have have food so that means that, that, singapore being such a small nation, by just reducing our food, footprint right or just by reducing the amount of food waste that we have we can combat world hunger and that such seems like such an easy solution I just don't understand why people


wouldn't agree with it or wouldn't, give up their inconvenience, uh give up their convenience, for such a, like for such a small thing and so, eh such a such such a big problem and and give up like such a small thing to solve such a big problem


so I I think that's one of the biggest things that keeps me up at night and like it's just contemplating whether, like I want to continue being friends with kind uh with the kind of people that, think this way but at the same time I'm like if I continue being friends with them I can slowly change that attitude


by constantly reminding them and making them realise that's not as difficult as it seems but the same time like it goes against what I believe in, and so like I I'm always in this constant state of dilemma of whether


I should be like passive aggressive and like be like oh my god why you don't want to bring your own tupperware oh my god why you wasting your own food why are you wasting food or I should like be like !aiya! next time you bring your own tupperware and I I don't really know where to draw the line


yeah, too weak yeah like so


ya but like is there really a point pushing for it if the general population, is not willing to give away their convenience, it's like I'm inconveniencing myself more than other people so called to make up for the amount of inconvenience that they do work and then I I guess like at some points I'm just like oh my god is this even worth it because this bulk not going to change so why bother


and I think this adds onto the question of what like what is one thing that I'll never joke about is like, I I think this will be one of it lah I can I can joke about it be like oh yeah the world's dying twenty twenty is going become real but like


like genuinely seriously like joke about it is something that I wouldn't, like I would I I I don't like to do, especially when the people joking about these kind of things other people who are


not doing anything to change their behaviour, like yesterday I have friends who mentioned who who joke about like, , like something about


like the earth dying or something and then I was like you don't get the joke about these kind of things if you can't take the simple step of, just bringing your tupperware to Tapau food from like any food court and just finishing your food and then washing your tupperware like


it's really not that hard and like yeah so, that is


, it's like how, how do you get them to realise what they are doing yes


I think this also like my worst nightmare I hope won't have happen I hope the show twenty twenty never happen, or wall-e never happens, like you know the movie twenty twenty twenty twelve yeah I hope that never happens


part two positive experience, alright


tell me something happy that happen today, yeah what do you do today,


oh I to went to the gym today and like so I decided to work on my legs and so like did it uh it was the first time have you seen people like put their like hold a bar here and then squat


ya so I did that today and so it was my first time doing it and then my friend said that my forearm was really good, yeah so I felt very happy because uh, my forearm hasn't been the best for when it comes to arm workouts


but he said it's really good for, actually it's like, uh is a very good form, so I was really happy because it was my first time doing the exercise, right uh like


uh like like being able to do it well and being able to to see myself improve does make me happy but getting up to go to the gym not so much


it's okay , I think my floor, like so like my floor has been pretty pretty good so uh, I think they're really supportive and they're very nice and they will always Jio people to go for like ah lunch or go for dinner together like do things together and so like I think like it's really supportive and really


I've, pretty nice environment yeah uh so that has really made me a lot happier this semester as compared to the previous semester when my floor wasn't as active or close or as caring about each other


I think that I would have definitely been more attached to my hostel if, my floor would have been like this, back in in the previous years and I really think that everyone should be able to have this kind of of like experience so I do thing that


like ya I agree lah I would have had like a much much better and a much much happier time in the previous years, how about you do you think like like in your hostel like who do you think is like like your support system that makes you feel happy


what are you looking forward to today, okay


okay, oh, okay okay hold on hold on I love talking about this so uh, like so it was about where I went to uh japan


so like what happened was that we were in we were, trying to get around I think Tokyo because uh Tokyo has uh like something like uh MRT right, so


so like we are kind of lost like we didn't know where to go so we asked this like this bunch of students, on web or which direction we should be going in and so they were like okay let me walk you to the place, and then uh


!ee! he like the uh not walk you to the place but he was showing us on a map like, oh this way is supposed to go and then his train came and then he continue to showing us then all his friends went inside then he but he continued to showing us, then I was like oh my god go go go go go go your train is here then


he he just made it into the train but the next train was coming like twenty minutes, was something there ah I was like oh my gosh you're so nice, so that was like yeah and I I I generally feel like like all my experiences and japan were really good so that there was once that I went to a temple also and then it


have have you been to the bamboo forest, can't remember if it's Kyoto but like the bamboo forest so we were walking to the bamboo forest and then we like and then there was another tour group like a student tour group so like and then we're just looking around like looking lost then some of the students ask us to join them


like come come come then they translated like whatever theuh person and they will saying and then they will talking to us be like oh how are you in a way to it , and like that their english wasn't really the best I could really feel like the, positive vibes from them I thought that was really nice yeah


oh my god, I want to go back to japan, oh and then someone like someone uh


wait what was I going to say oh yeah I didn't ah oh like so my family was looking for Ramen place, there was vegetarian right so you just and ask someone randomly like do you know anything and he brought us to like all the way to like a place to eat or so they're really nice


yeah


uh I think maybe not really the people, cause, like it's not that I don't have fond memories of the people there I just didn't have anything that like, stood out outstandingly but I think like greece itself


and the tourist there and the like just the way that is built just like completely blew me away it was so fun and so uh it's like it's just felt like, you know how like they say Disney is the happiest place, yeah ah it just it just felt like


I was in Disney like how people feel like when they are in Disney, yeah we like oh my gosh who


a concert uh I have attended one concert uh one two concerts, so it was my, uncles concert, uh I don't really remember much of it cause I was


uh my family was helping to organise not organised but to like set up and like make sure everything's okay so I don't really remember much of it except for like, giving like a bunch of people like free drinks like here take one take one take one


I think I was like ten years old or something, and then the second concert I went for was like uh, singer, about who it was and then !hey! I remember I fell asleep , no cause it was so it's like


like you know some songs are really slow and then some songs are like super high so I fell asleep during the super slow song for like, two minutes I felt so bad, then my grandma woke me up and she's like what you doing


yeah so uh


yeah it does, okay so , what is like the best surprise that you've received from someone


oh maybe not oh do I have a surprise I don't here I don't think so like I hate surprises so surprises don't, make me feel very happy but


I guess my best surprise would be that maybe this year would be to find such a, such a nice group of friends uhthey are always like around like because like we can't go anywhere else so they are always around, and like it's been pretty groupy good and like


I really didn't think that it will have been it will have been been this close I thought like cause like now because of all the zoning and stuff like , you know like most people would just stay their rooms and things but I think it was like a huge surprise when like everybody is so close yeah I'm gonna really going to miss it next semester


I hope it still is I really don't wanna change, but they said that probably will remain the same way is still I'm pretty pretty excited yeah okay alright


biggest blessing in disguise oh ah blessing in disguise


uh I think uh one of it was like so my my my hostel has like this group like this mental health group uh and so like apply for it but I didn't uh I didn't get it, and like thinking back I think it was pretty good because like I was already really stretched out with work


and like I like I really wouldn't have been able to commit to the hours that they were expecting from so, that's the this is first thing that comes to my but I bet there's a lot of other biggest blessings in disguise that are still in disguise right now that I haven't like been able to look back or like currently realise it's the blessing in disguise yet


lonely, yeah, correct


two years


that's nice okay one last question, uh who are the people you more shared shared, cherish in your life and why


yeah alright


part one finance, uh do you have insurance a personal insurance if so share the details name or provider name and features of the policy and your experience in the policy if not why do you choose not to have insurance


so do you have an insurance, pro link what, oh mine is I think pro shield premier is it


ya, I have two from no no mine is pro shield premier and pro lady the pro lady one is like for some, women related medical insurance (ppc) ya ya that's like my pro shield


yup, I think I think like the the pro lady one is just an additional thing that my insurance agent asked me to go and go and take up


so it's like I so that I get benefits from like both the insurance but then the pro lady one is like only very specific women related illnesses then they they give you a payout (ppc) and they cover so you get payouts from like both the insurance and both the policy


, oh cool, (ppc) I don't I don't have endowment plan


what is it is it like a savings thing, oh


so when is the break even


ah !wah! twenty years, okay so it takes twenty years to break even but what if you take out earlier


right okay sounds cool maybe I should get one, (ppc)


so I know where to find in twenty years time when I miss


I think my insurance agent got ever mentioned before it's something like a savings plan and all that right