, right


I think the first main thing is ensuring that you have the financial stability and the space for you to make this kind of purchase


uh it's also a matter of getting the right loans sometimes because uh you know certain loans accumulate higher interest and stuff like that so it's sort of finding which loan is most appropriate for you which one you will be able to pay off


and ya because it's a bit different for, but based on my experiences right like obviously I haven't experienced it but for my parents and all when they got a house actually their parents did chip in as well to get the house so there's they had that uh ability to depend a bit on another source for uh


money but I think in the future that's not something I would wanna do I just want to depend on myself , so ya it's mainly those two things lah the security and choosing the right loans


(mmhmm)


right


I think I I really agree with your part on family planning because I think that a problem that many people have faced maybe is, the debate of whether or not they want to have kids because they don't know if they are financially uh stable enough cause usually marriage is like very well planned and everything so


the marriage itself there's they are able to plan out their finances but then having a kid uh they're not really, like some people don't really plan ahead for it lah but I think it's really important to plan for, ya


sorry oh before and after okay so I think I'm not too sure what exactly


the differences would be in terms of financial commitments I know that of course because it will be we will have a house and things like that those are financial commitments but I don't know in what other areas we will be


uh the couple would have a commitment to finances together because I do know of many couples who although they're married they do also have their own financial account like it's not always a shared account which I think is important as well cause I don't know what's gonna happen it's good that you have your own money as well you know ya


ya I think for because just now I only mentioned the after marriage part so for before marriage I think yes I have a lot of emphasis on saving money I also think that it's quite important like if I were to invest I think it's important to start investing young itself so we're able to sort of


see the the benefits of it , I personally feel that in terms of investments I wouldn't get like how to say I I am very not


prone to taking risks so the kind of investments I would have is more like government bonds and stuff like that I I'm not a person who really get stocks and everything A because I don't know enough about the topic but also B I am just scared of taking risks


yeah (mmhmm), okay so I this part okay I I didn't my changes initially


uh were more spending than saving cause you know you sit in a house for a very long time you tend to lose your mind a little bit so I was doing a lot of online shopping and stuff like that but I think as time went on and surprisingly as we got uh fewer restrictions


I started to uh focus more on saving rather than spending so the more I could actually go out and get out of the house uh the less I felt the need to uh binge on things and spend a lot on things


ya but I would say like in post-COVID so now I am more frugal with my money I but it's not because COVID, limited my spending power COVID just made me spend so much that I felt so guilty so now I just want to save a lot of money


ya you


, (mmhmm)


uh ya I think my saving habits and my spending habits actually improve, uh in a post-COVID world but I mean honestly only time can tell because, I say this but I have a feeling that because many shops and many businesses they tend to give more promotions and things like that in a post-COVID world cause


their business was shut down for quite a bit sometimes maybe they want to attract customers again so they may be giving a lot of promotions , so if I'm very enticed by that there's a chance that I'll end up spending money again, ya


also seasonal period because like the holidays are coming and like around christmas time you know I go insane when getting people gifts so might end up spending a lot of money then,


I mean financial independence retire early ya I think I know what that means , no I don't know the scheme


right , right


(mmhmm), (mmhmm)


okay so personally I feel that I may not be the kind to take up a part time job, of sorts after I retire and I say that only because A the job that I I would be working in will be one that I'm really passionate about and also B I think that if I'm gonna be quitting my job it will be probably because


I'm too old and in the event, that I am too old as a as a woman traditional roles I guess uh I would have to take care of the children as well I have a household to maintain and stuff like that so


if I'm tired enough there's a very high chance I might just be like hi husband please I will take care of the house please go work for me something like that I mean we're old enough at that point uh but yeah because I generally uh want to retire a bit


later I tend to be driven a lot by, the work that I do and I feel like if I don't go to work and I'm not being productive I find that that's a waste of my time so I think my retirement itself would be later but I do agree with the fact that we should save money and and


I think saving to earn extra level and while working itself maybe doing a second job that's fine for me I think those are things that will help with their retirement when that eventually happens ya, (mmhmm)


okay so I don't have a credit card, and I'm so happy to do online shopping cause half the time it's my dad paying for it uh you try to Sabo me I got it


uh but the other half it's it's me doing it uh it's me paying from my savings to my dad so I actually do like give him cash, when he helps me uh buy stuff online I think it's useful to have a credit card


uh in terms of the rebates I understand that there are like sometimes there are one of rewards sometimes there are maybe you earn points that you can claim and stuff like that, but uh the main reason I do not have a credit card and also cause like why my parents would rather I don't have a credit card now uh one is they're afraid I might


lose control and spend all my money which is not gonna happen but you know they're scared, and uh the other thing also is that uh they're afraid of any like credit card scams or stuff like that because even my dad uh actually there was something uh that happened like I think two or three years back like


someone from the UK actually like hacked into his card and like spent like five hundred dollars at pizza hut and , I mean it's a funny story ya but ya grievances like so by the time we figured out that money was being taken from his account there was already like


thousands of dollars gone like at least nine thousand dollars and we were like oh my god so that's the thing uh so that's why I don't have a credit card so I see the benefits of it but also I think, that it it poses some dangers lah and we need to be careful with how


we use it yourself,


ya but then the thing also right is that I think having a credit card is important because there are so many places that don't accept debit cards I don't know why that's the case


but when you either when you make purchases or like you go somewhere and for like a meal drinks or something there have been many cases when they say we need a credit card we can't accept a debit, and I'm like uh that's really troublesome so there is a case of like having someone else to pay for me then transferring


and I don't think that's like a very feel good thing cause I I don't like the feeling of people paying for me even if I'm gonna to pay them back, I just think that whole sentiment is a bit like off putting, QR codes right


(mmhmm)


phone apps ya


stop spending all the money you have , cause I I used to get an allowance right so like my parents gave me an allowance and I would save, but I would spend the amount that I saved at the end of the week so if I get five dollars a week and I managed to save two dollars instead of keeping in a piggy bank I would treat myself on the last day of the week which at that point that's what my mum encouraged lah is like your


reward for uh for , you know saving up the money but I think I should have just saved that then I would have more savings overall, okay


negative experience, oh


okay I think about it okay I think it's when my friend so I had this friend in secondary school and we were super duper close, like you know those best friends where like you may make major life decisions because you want to do it with them that's the level of like closeness we were at and we were going from sec two to sec three and that's when you choose like your streaming sort of in my school at least uh


and uh she actually applied for the advance science class like without telling me , and it was ya it made me really angry because I could have gotten in if I had applied as well but I didn't because we had a discussion and we were saying how we probably can't make it in the


the advance science class and we wouldn't be able to cope and things like that, but the fact that she made a change and didn't make me aware of it ya it it still makes me very angry because for like that decision it changed a lot in terms of our secondary school experience


yeah


(mmhmm),


, yes a lot ya I think that's something that doesn't change with with age either like


it's something we expect that when people get more mature maybe it may stop but I think it just depends on your environment as well it still happens you know, ya


one thing I did in the past, honestly I feel like taking that it I don't know why it's still linking back to that same problem but I think one thing would be taking that, advance science class because maybe may have


given me more self-confidence as well this is not related to my friend but I wish I had made the decision for myself, and not based it on the thought that I'm not good enough, to take that class if I had believed in my potential which people around me did but I didn't I had believed in that potential I had gone right advanced science class I could have had a higher self-esteem and I would have been surrounded by more of my peers


and I think my life would have been a bit more different in that sense, ya, (mmhmm)


so which should we answer, , uh it's quite a number of things actually but I think the one thing I really would never joke about is like sexual harassment I I don't know what's wrong with people like some of them talk about it


like it's a joke or they use phrases very loosely like it's a joke or, they like to justify people's behaviour I mean if I'm going to be very blunt about it I feel like there have been many cases where people


joke about the way men act like they joke that oh yeah of course he will act like that he wants to do blah blah blah and I think that's that's not something we should tolerate in this day and age like, no that's something that so backward and something that's just wrong and I don't see why that's something that should be joked about


I know sometimes people will like when they try to argue with that they'll be like would you say the same thing to your sister or your mother honestly it shouldn't even be the case of whether you're saying it to your sister or mother, you shouldn't be saying it to any woman or any men regardless it's not something to be joked about so I think that's something that I will never joke about


ya I've heard of it


, ya


, ya I think the thing is sometimes there I get that


sometime people use humour to cope with certain things I do that I deflect a lot of, my own experiences of my own problems using humour so I get it if it's someone who's facing that problem currently making those jokes but I feel that it's wildly inappropriate when someone who does not share that experience or someone who


has not gone through something like that decides to, make a make it into a joke and publicise it to the entire world in the name of dark humour I think that's a bit not right I guess,


ya ,


ya, okay let's see


uh how about what are some of the hurtful words someone said to you that you wish to forget, (mmhmm) (mmhmm)


(mmhmm)


okay I think because I'm someone who I try, to be correct in most of the things that I do like I try to do what the model person is supposed to do in situations where I can


so like I try to be the model child I try to be the model friend and things like that so when I put in a lot of effort like that and my efforts are being discredited, or being told to me as not like uh that I wouldn't be able to do those things properly


that usually gets to me so like if my parents let's say they tell me that you know, you you don't make us proud because you didn't didn't become a doctor for instance well that really hurts those are hurtful words because


I did I've been doing and still am doing A to Z to try and be the model child for you but there's one thing that I decided I'm not gonna do that that's what's going to define whether I make you proud or not that's a bit hurtful so ya I would say that


(mmhmm) (mmhmm)


is it okay, (mmhmm) popular trend that I dislike


oh I dislike this trend where okay so I've seen like quite a number of, like let's say influencers right sometimes they do something that's kinda dumb or they do something that's embarrassing and everything so obviously it becomes viral it becomes a joke it becomes a meme


that's fine but when a person tries to use that, and uh turn it into something positive like maybe they make a video about that they make merchandise about that or they use that very same like let's say sound effect in a tiktok for example


when they do this then the reaction from the audience is that oh she just ruined the joke she just this they do that blah blah blah this is useless this shouldn't have done this, but I think people fail to realise that if that happen to your like in your life the best thing you could do for your own sanity is to


take control of the situation and try to, be okay with it and that's why these influences are trying to do as well they're trying to take a situation and seeing whether they can turn it into their advantage if they can't turn it into their advantage let's say their merchandise doesn't sell or something that's fine but at least they're not being at the end of


just being ridiculed you know it's not just them being bullied or something like that so I I think the trend of like going so hard on influences for trying to make a bad situation into something that could potentially benefit them


I don't like that trend because at the end of the day it is their job it's not their job to just make you laugh when they screw up, ya


, (mmhmm)


(mmhmm), (mmhmm)


I think is true lah there's a lot of this that happens like not only locally but also overseas I think like nowadays people are too absorbed with the that exposé culture and the uh cancel culture because like you can see very famous people right like


I remember there was this like beauty guru who got into a scandal like overseas, uh got into a scandal and then I literally saw videos of people like breaking his makeup palettes like they bought his makeup palettes already right so they were breaking it and like he lost millions of followers within the same day


but it's been one year and then the public got one piece of information that turns out that event wasn't his fault at all and now suddenly everyone's like in love with him again, so I'm like I think we need to have a more analytical mindset and not just


jump to trying to cancel someone or expose someone and remember that these are people lah, ya, it's been twenty minutes though


ya okay (ppl) okay


positive experience


what's up okay, uh I think it's uh people's gestures I just I sometimes like even small things like I couldn't I wouldn't have to know someone but if I see them like smiling very happily then it will make me smile


ya what about you, fair enough


(mmhmm), fair enough


okay I think the best movie I've seen is probably, bohemian rhapsody I love bohemian rhapsody it's my favorite because it appeals to like the drama kid in me and rami malek is an amazing actor and he is just so talented and I love all the songs by queen and


the emotions expressed were really good I could just keep going on and on about this but is I I love it it's it's such a good movie , ya yourself, (mmhmm) !ow!


right


, okay


, oh ya sarah paulson,


oh !wow!, that's really big praise,


I think if you like ratchet like I would recommend that you will also watch a bit of american horror story cause it's it's similar I think you'd like it a lot


alright, oh ya joker was good


ya, fair enough I think, sorry I think the thing that uh defines for me like, best movie like although I agree with you in that sometimes like you go based on like genre and stuff right for me is the best movie is when regardless of the situation I can just go back to that movie and I'll feel comforted and many movies I actually don't achieve that because there's like


some sort of thing that keeps me on edge but this movie as much as it's not boring but it's still coming to me so I guess that's why it's my favorite movie ya


uh it's so tough uh , they have this like therapy okay so I think the thing I love most about myself maybe is that I can be very hardworking so when I really put my mind to it and I get pass my procrastination


I'm very hardworking like I can pull days of all-nighters and, for something that I want to do like even like let's say A-levels for example, I was for like the six months leading up to A-levels I studied every single day from nine AM to seven PM and I was being productive


and even like during the exam period there were multiple times where the night before the exam I stayed awake the whole night and I had to pretend like I was asleep when my parents came to my room, uh just so that I can get in a bit of studying because I valued the exam that much I knew the stakes that are


I knew what was at stakes lah and so I actually worked very hard and I was very proud of myself for that like I think to go that long like we're talking months here without burning out from doing so much work I think that's pretty pretty cool


ya how about you


, right


kay ya


of course you find that the most interesting question the moment you see food you are like that's the best question, uh the best meal I've ever had okay so I don't know maybe you might be expecting me to say that uh it's from some shop somewhere but honestly the best experience I had was there was once uh all my cousins and I gathered at


my uh at like one of my relative's house for like a sleepover and before the sleepover what we did was we uh ended up cooking mashed potatoes but like with chilli and chilli Padi and uh


made some asparagus thing some dip uh we grilled lamb chops and we made a shrimp cocktail and we got slurpees and uh


we had a cheese board so we had crackers and like different types of cheese so that was I think that was I mean we also because the people there made it really like a happy experience and like it was like a long lasting experience but honestly the food was really good as well


ya what about you, (mmhmm), ,


, nice


probably


, oh I mean uh that's what I meant I know what a field camp is


I have multiple brothers who went through it okay and then they come back and they just eat like caveman so I I I can relate I know what you mean , oh actually another sorry another like best meal I had was also I went to malaysia during christmas period and we went to a hotel in KL eh no I think Melaka we went for a christmas buffet now here's the thing


I'm I I don't celebrate christmas but I love the festive season so much and I love the food so much, so I had to like convince my parents like please I get it we we're not christians I we don't celebrate christmas but I need this food in my life so they brought me and we had a buffet and it just had so like they had an aisle for desserts


that's that I if if that doesn't appeal to the food dream of yours I don't know what will so that was another best meal that I had,


ya expensive also lah but good , right


I love green curry !wow!, you know I'm so glad I have food in my room right now cause you're making me very hungry,


, uh okay so there's this tower in Palawan I brought you also as well so I love that tower so it's like a watch tower right and uh it's at Palawan so you get to watch over


the sea and it feels very like you just escape your troubles for a while, and you feel like you're disconnected from reality you feel like it's not like someone's you're not going to bump into anyone there you know like if you go out other places maybe you might see someone you might have to interact with people but no here's just if you're go you interact with whoever you bring with you or you don't interact at all


and it's very quiet the sunset's really pretty at like eight PM there's fireworks I mean very little fireworks but there's a bit of fireworks and ya I feel like I've went there a few times and been like okay contingency plan if life gets too hard


we're just gonna run away from here , I think that's I don't know I I like that I like that place a lot how about you,


oh, my god


(mmhmm),


, had to bring food in again didn't you , , ya ya ya got it got it


, uh I must say though I do love the like Tekka market and then everything during


deepavali time like I love it there's so many lights okay I love lights my room right now has LED lights that change colours so I love lights a lot and during deepavali there's so many lights there's so many pretty clothes and like there's a lot of food and


I just find the atmosphere very nice cause it's very like you know it's very busy and some people might not like that especially if you get anxious I do get anxious but when I go there I think my love for the festivities just takes over, and it's kind of sad because I feel like this year we won't have that because safety measures they won't really let us be in such a crowded place but I think to be able to just see like lights and stuff itself makes me happy


yup , right, yes uh


I would say mine is I like to wrap presents, and, because it sounds very lame when I say it lah but I actually do like to like put in extra effort to wrap presents like I go buy the extra uh ribbons and and other like you know trinkets to tie together with the present


cause you can take you can literally take a packet of tissue as a gift and make it look so fancy just by wrapping , I think that's really cool and I also like to paint I'm not a very good painter but I am learning and


I think it's very relaxing especially when you like painting backgrounds and something is like nothing matters you're just going back and forth with a paintbrush so I think those two ya more arts-related , you (mmhmm)


ah okay,


ya as you said , ,


, , need to stop exposing me like this ya that is true


last last question cause it's at nineteen minutes right now , (oo) Phuket at uh thailand ya I loved it because A I love thai food B


it we went with actually my extended family as well so that was kind of nice cause only child struggles, and we went to this show it's called like Phuket fantasy and it was so amazing there were like acrobats on hula hoops in the sky and like elephants and everything so it was like the epitome of a theatrical experience so that's mine


, (mmhmm)


nice,


, twenty-one


finance okay


so uh <P2>shoba</P2> how do you invest your money to accumulate wealth or planning for your retirement if you have any plans so far,


ya but, uh for me I'm also a student so I do the it's much similar to yours just that for planning for retirement


what I have forecasted like when I am employed in the future what I forecast is that I should set aside, saving for my retirement I mean on top of CPF like the is a current scheme for retirement and CPF and all but about on top of that I think as my part I'm planning to keep aside a certain amount like every month just for retirement


so that would accumulate every year every year until the day I retire then I have this so called float amount to, uh depend by as I retire so like for example if I retire at sixty-five then I have a life expenditure maybe estimated around eighty to eighty-five then like twenty years worth of


uh expenditure that I need to take care of uh retired during retirement but also during retirement uh I can't just retire and not do anything so my another plan is like we do a part-time job, like a side job not relate cause I retired from a that nine to five job the main job now my plan is to do uh maybe a taxi driver maybe do grab food maybe do some uh shop keeping like uh help run the shop uh basically those part-time on jobs uh to get my uh retirement funds like stable


instead of them running low so that's for my plan for retirement uh so do you have any strategies you will recommend to someone like if they're first if their first time buying a car or house or maybe starting a family like


I mean it's it's it's a big it's a big step to the future but uh do you think there's anything we should do to, uh help this like help ourselves to prepare for this big expenditure


, uh for me uh also security and choosing the right loans but I think there's a one step further for me like what I've thought about that before making this big-ticket expenditure what I would like is to have a stable account stable money in my bank like


I I call it the float amount so basically uh if I am to buy if I want to buy a car or house, I should have this certain amount in my bank at all times such that if something happens like for example I lose a job I lose my job or


uh some some mishap happened I have this amount of money to fall back on, so uh like so for that you have to like say buying a house or buying a car that there's variety of uh cars and houses at various range of prices


so uh my plan is to look at my own expenditure look at my own personal finance and from my own personal finance I will decide on what kind of car I'll buy what kind of house I'll buy if I buy this car and house will I be able to uh stay stable throughout my


uh throughout my life like after I buy the car or house also starting a family's also big step for big expenditure also uh like starting a family how many kids you want so how many kids you want also there are kind of a big expenditure if you think about it, so this kind of big expenditure also you have to plan that's why they say family planning it's part of this expenditure and all


so I led some of my strategies but I have similar strategies to, you eh,


, yes so we have the same points here as so for the next question like how do you think you can manage your financial commitment before and after the marriage so like there's two scenarios here


yup, ,


, ya


so like, uh think I'm also again similar to you after marriage I don't know what to expect other than like pre-forecasting that uh family expenditure forecasting buying a house forecasting maybe buying a car


so it's like is a bit uncertainty uncertainty there but uh but what you can do now from our perspective now you can only forecast what's going to happen, but as for before marriage what I think our, how I manage that financial commitment is uh more of saving up


having less uh unwanted unnecessary expenditures but, like uh luxury expenditures like going to a bar going to a club I believe they are, more of luxury than a need so this kind of expenditure maybe you can like uh shorten them now like uh


basically reduce this kind of expenditure when you can go once in a while and all but uh ya before marriage I believe you have to take up the responsibility and, uh do this financial savings so that our life after marriage will be more secure and stable so I believe this both uh both of these before and after marriage uh more interlinked


yeah,


, , yes so I believe we are similar in the points again so for next question in a post-COVID world what changes are you making in terms of your spending slash saving habits


yes, uh okay I'm in contrast to with what you just said like what, or in the COVID crisis like during the lockdown period and all and like the phase one and like the starting of phase two I didn't really go out I didn't really spend much in fact like the spending I did uh


the spending I did before COVID which was like transport expenditure buying concessions uh buying food like outside of your house so like this kind of expenditure decreased by a lot so cause I was staying at home most of the time, so like ya my spending and saving habits I believe uh improved in a good way rather than uh some but uh online shopping I did once in a while but it wasn't really a frequent thing for me so


I believe my experience in a COVID post-COVID world uh the COVID COVID situation is in contrast with yours but in the post-COVID world, uh now there's a lot of restrictions as well uh actually still in phase two where only five people can go out and that's there's a lot of restrictions on wearing masks and doing stuff so this is actually kind of detering the the dynamics of how we used to go out last time in comparison to now


so I believe that this might uh affect how I used to go out and socialise, uh like as before like if you compared to after this post-COVID world I believe the socialising will decrease a lot


like for now at least not in the future in the future maybe once this whole COVID situation settles I believe may be socialising can be back to normal or maybe uh maybe will be done in a different way like will be different from a pre-COVID world you know


so uh what changes spending and saving habit I believe my spending and saving habit will improve over time in this post-COVID world, who up you,


, , that's true that's true


ya, , , yes so yes better I agree with you on that think we'll move on to next question which is uh what do you think of this fire term these uh financial independence retire do you know what is fire have you heard of it


no like I mean there's a scheme for this like, so recently I read up on this like what it means what I, from what I read I think it means uh as in retire early you need to scheme more on the expenditure so you have to monitor your expenditure like at on an extreme level


so that's what they mean by retire early and also like uh basically you have these funds but okay basically when you retire early you don't have much uh retirement fund as compared to someone who retire on a later date, so as a result your expenditure you have to scheme on it and maybe uh one of the side effect of this you have to take a part-time job instead to help keep up with your daily expenses so that's the rough idea of what this fire is uh so in your opinion from what I just said


how you think one can achieve financial independence that maybe in relation to this fire,


, , ya I think, we have more or less the same opinion, I found this interesting question question seven cause you said you did you do a lot of online shopping so question seven do you think one should own a credit card


, yes


, and for me uh


I believe I can live with just a debit card cause I believe credit card has a lot of risk to it but, maybe in the future when I start working and I have to do uh like, pay phone bills and all, maybe the credit card back come in play but for now my current net uh current state


think debit card is enough like whatever I buy I should be able to afford it, ,


, I mean uh in the post-COVID world I think they might be changing that like what from what I'm seeing like but uh yes QR code pay lah paynow and all so I believe this credit card no debit card problem might be eradicated hopefully


and more restaurants and all uh they adopt this uh approach of uh online payment not online payment uh not uh yes basically like paylah and paynow ya phone apps, yes so uh any other question so uh yes I think one question we should think about is uh uh interesting question I think what's one financial advice you would to give to you yourself five years ago


(mm) (mm)


negative experience, ya let's do this uh how about let's start from the bottom


what incidents still makes you angry despite having happened a long time ago,


uh mine it's uh kay I will tell the more general part of it first uh it's more of people talking behind your back that makes that makes everyone angry but for me like uh I don't like it when people talk behind my back uh I actually get angry about it I confront people because of that like why do you talk behind my back why don't just say


to my face and all so uh this particular incident is like uh it it this talking behind my back happened so much that one day it went full circle, and somehow he reached me about myself so I believe at that point I was really angry ya I won't really talk more about the incident but ya that that's a general overview of it so that made me really angry and like I had to like cut ties with that person cause I don't trust him anymore


yes so that's one incident that happened a long time ago is uh maybe uh before army so ya that's one incident that still makes me angry I mean you also can relate to that right


okay how about okay let's go to another question uh third last what is the one thing you did in your past you wish you could undo


uh for me is more of uh is related to army again, so basically in I BMT we have to BMT is basic military training so in that BMT time I had to choose, uh like after this field camp okay basically there's a few camp in BMT at the end of the field camp there's this thing called SID where you rank how much you really want to become a officer how much you really want to become a sergeant how much you just want to become a man like there's this ranking one to ten


ya so what I did was uh after the field camp I was really shag like I was so convinced that I don't didn't wanna to become a officer, so I choose sergeant instead, like I chose ten sergeants uh but then as I went on to my vocation like I had this uh regret like this tingling regret lah it's just there the regret is just there you can't do anything about it like maybe I could have uh gave being officer a chance like


make the ranking like give more uh like upon ten I gave about six for officer but maybe I could have gave ten upon ten maybe I would have been in the different uh unit I'll be seeing my full potential, so I believe like that's one wasted opportunity that uh I will try not to repeat so is like a life learning lesson lah so that regret of not taking up


that that role to potentially improve yourself, might be ya it's lingering there so that's one thing I would would like to undo from my side, , so yes next so what's the one thing you will never joke about


uh speaking of sexual harassment and depression like a jokes about that uh I've seen a lot of like uh people posting uh dark humour you know you know what's dark humour have you heard of it so like, people have been posting dark humour jokes on like maybe twitter and all and that really actually makes a lot of people angry like there's a lot there's a lot of backfire to it actually like this dark humour and all that's very insensitive and all I mean


dark humour there's like uh separate page for it like on reddit like I know reddit has a dark humour page, there's a audience there the audience there they they want to hear this dark humour joke, so I believe the more appropriate uh platform to talk about all these jokes it's I believe is at that platform but some people just do it on like a open base platform like twitter maybe instagram and ya they get backfired a lot by a lot of people uh reading those tweets and all so


, I mean ya it does make people angry makes me angry about it like why would you say such thing in a such open platform where everybody can read read it like


how do you know that uh affected person might have read it and be more affected like the consequence of it so as other relates to the question just now like what makes me angry with this all particular incident but, it's uh ongoing thing like I don't I think it has reduced a lot now like uh after this uh


recent news about it what happens america or I believe it's reduced a lot by now like this dark humour and all, yes so I believe we have more topics to cover uh let's see how about you choose a topic this time


hurtful words I believe this hurtful words may be words that, bring you down as a person so like for example I was obese at one time of my life and


people call me fat like people make fun of it people uh like, they are very insensitive towards how I feel they just want to make a joke out of it they want to uh they want their friends to laugh with them like about these jokes and all and ya but they don't realise that the people


who's receiving it it's actually getting they're getting hurt by it I mean to me it became a motivation it became a motivation for me to lose weight and be fit, but, uh not everyone is like me I mean this kind of hurtful words not only obesity like I believe like uh there are other factors like when you were younger I believe uh


you have witness like some of the schools students like they tend to make fun of each other's appearance or something so I believe this kind of factors they lead they can they may lead to more severe consequences like depression like what I said just now so


ya what to me, people call me fat or people telling me that, I am useless and I can't do uh this certain task, by myself like how do how do I say it like uh


I can't they they are telling me that I can't do it, you get what I mean like I can't do it because they don't believe in you know and I believe that hurts because they don't have confidence in me if I they don't have confidence in me that means, uh I have not proven my worth to them so that's something I been it hurt so ya that's one time so I believe I said multiple times in that in what I just said ya


how about you, ,


, I mean I can think of another scenario that might make me heartbreaking like okay so I watch this movies but uh like for example you prepared this uh prepared something like very big for a special person


and then when you prepare like a gift and all and they they blatantly reject blatantly say they don't like it, so yes I believe that's also hurtful but I don't think I've experienced it lah like so I watch and infurring inferring from movie


ya okay let's move on to the next question what else is there talk about, eh maybe not that okay maybe we will tone down a bit what is a popular trend that you dislike


uh uh okay mine is similar but mine is more based on the, recent netflix series social dilemma so I believe you met so, what I don't like about this like this current uh like this current popular trends that you have is that


uh people tend to say stuff that might not be true that might might just be said just to uh provoke a certain group people, and then, people who are, reading this maybe tweet or facebook post they jump on the bandwagon and they be like uh supporting this course which uh might which is maybe not even true at all like for example


uh okay this is referencing to the social dilemma netflix series so what happened was uh there was this uh tweet going around like uh the muslims or something were, getting attack there and then because of these social media and all that they aggravated this uh they aggravated the anger in people because of certain trends that people will jump on the bandwagon they jump on and then they they just follow the trend blindly and then they just believe whatever is being told to them online


and then this kind of thing they may lead to, uh probably like, huge consequences like uh like not not going the war I think is more of like a one-sided attack you know that kind of thing like there there's you are attacking a innocent innocent group of people just because the online uh online platforms are telling you something


so that actually angers me I don't really like this kind of popular trend and also like for example uh let's say singapore based I'll not mention any names what like singapore based is like uh more of like they tell you that this person is uh has has done something wrong


and they post screenshots of the convo screenshots of what they have, done like evidence but without like uh showing their name so just screenshot and then tag him on like maybe twitter and then people jump on the bandwagon then everyone will be like attacking this person like why you do this uh this person is like uh uh you are disgusting you are this you are that


basically they're attacking without having concrete proof that this person did it so as a result uh this person had to go through, all these uh random attacks from all over the internet but you don't even know like for for me for my side I don't even know whether


he really did it was it really him was he was he framed that or like there was no clear evidence but he he had to deal with all these uh all these uh attack that is coming from, all over the internet just because one tweet started it all and then uh


this have have serious consequences I mean I don't know what happen after that but there might be serious consequences like uh like what I said as just now falling to depression, or uh having having to cope with all these may be hard and ya may have dire consequences like this kind of trends that's what I really don't like about uh these random trends that random topics that they just bring up what do you think about that


, I see, okay I think there's a more interesting topic let me just see, ya


describe a time where you felt betrayed so I will answer this so basically this goes back all the way to my secondary school in C_C_A where (uh) ya are we done or, okay done okay right


positive experience, so as uh <P2>shoba</P2> again I shall start again uh so as a basic question I think this is the first one we see what are the small things make you smile


(mmhmm)


for me it's more of food , food makes everyone happy, yes so will like uh for example I'm having a bad day I believe uh the food I'm craving for will brighten it so I mean uh small things like it's not a big things it's just small things in life to make you smile so


for me it's food yes so uh okay next question uh describe the best movie TV show you have ever seen and what do you like about it


, , uh


for me uh I believe I'll go with TV show okay I like a lot of the TV shows like recently there's a lot nice ones but I think all time favourite will be friends yes so friends is one of my favourite because uh, it's not like once the TV show they usually when a TV show ends like you won't really go back to watch it you will move on to a new series or you will move on to some uh new TV shows and all but


friends is something that you can watch anytime and you won't get bored of it there's there's ten seasons worth worth episode and like every season is like uh okay to me my opinion, I feel like I'm part of that that that that group that family when I'm watching it you know that that that that's why I like I think that


makes me uh wants to give want to give it like the best TV show I've ever seen, also but there are also other TV shows like, modern family how I met your mother uh oh maybe okay maybe and if I if I looking another genre then I will say uh this recently ratchet


the ratched in netflix recently I think it's something different as something different I've seen in quite a while and I think it might be the best TV show that, I might say in the future like this the best TV show I've seen that apart from friends a different genre and all because


ya I mean cause it's unique it's a thiller and I'm enjoying watching it like kay usually when I watch a TV show if it's too draggy if it's too, dark I will skip and watch it because I have no patience but uh like series like ratched they are more


uh intriguing they want they they they they want like I want to find out more in the next episode I want to watch the next episode, that kind of thing that kind of feeling and whenever I watched the that that that ratched TV show I learn new things like oh you can do this you do that oh !wow! people can think like that oh !wow! he she


uh the the main actress she's such a mastermind so this kind of impression I believe it's good like uh in my opinion lah so that's what makes it the best TV show,


ya I also uh fun fact I'm also a big marvel slash DC fan so for that I, believe my also the best movie if you look at that genre I would say is the christopher nolan batman movie and as compared okay there's another it's a tie between christopher nolan batman trilogy


and also the joker movie that came out recently so I believe that's a tie there so yes as he was very good so I believe uh the best movie TV show I've seen is based on genre, on my side so do you have


I see I see I think we'll move on to the next question which is what do you love most about yourself, is a tough one is it


uh mine is I think kind of similar to yours but just a bit a bit to hint you and there like basically if I were to give my world to do something I will go towards head towards doing it, yes so ya that's what


I feel I love for myself like I keep the I keep my word when I give my word to someone so no matter how tough the task is I will complete it to the best of my ability, so actually there's one thing I'm proud of myself also like uh people trust me because of this quality I have so that's why I think that's one of the reason why I love that that particular the particular characteristic of mine about myself the most


yes, so actually I found an interesting question what was the best meal you've ever had, yes yes


ya mine is more of ya I think it also occasion but it's my first bookout, from BMT definitely , I stayed two weeks plus in there actually more than two weeks not just two weeks we having to eat the same food same type of food over and over again


at the Tekong I was at Tekong so Tekong'S canteen and then the first bookout was like oh my god I need to have a mcspicy I need to have the whole mcspicy meal double mcspicy upsize, so yes I I believe that was the best meal I've ever had


considering taking into the factor that I haven't ate like uh the best food I haven't ate good food like for two weeks plus I mean if you ask any guy about it I believe they will tell you the same thing after two weeks yes also like, another best meal uh I think can compare also it's like uh the the meal you have in your Tekong cook house after you go through your field


camp that's another uh, best meal I can say I can compare it but the bookout one is more lah ya so well uh there's so in-depth about the field camp I'm talking about is basically uh going into the jungle and learning survival tips there for


no I mean uh more of the field camp field camp, yes uh yes that's a good so I don't need to explain , yes


yes that's true kay I think, (mmhmm),


, oh that's great I mean you're sometime overseas when you go to other countries I believe the food there is unique like ya I mean I went to thailand for two months I was deployed there for two months during my army and I believe some of the best thai food I ever had was from there cause it's thailand


ya like uh I think I, can't forget about they had this uh green curry fried rice thai with omelettes on it then I like oh !wow! and also basil chicken lah there're also basil chicken !wah! it's damn I miss it so much that I want to go back


oh ya so the we shall change question right let's look at what other questions we have ah okay this one is about place, what is one place you love to visit and why


, okay for me it's a totally different note so more mine is more of uh gym I know I say I like food but I like gym also so why I love to visit gym I believe that's a place for me to unwind after a stressful day


like uh basically the weights are your companions you know you get what I mean if if you go to the gym often like you you you gain a lot from it, you uh it helps you to stay fit I will definitely stay fit uh motivates you to achieve


more in that day like if I gym you know usually I like gym in the morning so when I gym in the morning then uh I think although I have been maybe, tired but I feel like I've achieved this target achieve this goal of today when I went to the gym it motivates me to do more, in the day so I believe that's one the one reason why I love to visit gym because it makes me productive and make me it makes me keep fit so ya gym other than gym of course definitely uh #little india# restaurants to eat Briyani eh eh that's actually quite


uh yes I mean this favourite place I mean restaurants is definitely part of it, ya so uh ya visit restaurants Briyani like uh Tekka market Tekka market they sell the best Briyani and also #mee goreng# ya there's a lot of good food there so ya


ya ya I think like some what is a factor to make me happy also but that's not the main factor but I agree with you lights actually set the mood ya I found another question think the question is describe your favourite activity to unwind and relax


and I think the point that I'm about the say might be in common with yours I mean you haven't mentioned it yet but I think watching a TV show slash movie, will be my favourite activity to unwind relax especially after a day of uh work and assignments and all


I believe that I can set myself one hour at least, to watch a episode, like currently I'm watching netflix uh ratched there are is it that I mentioned just now ya so like I said I give myself one hour per day to watch at least you know to unwind relax so I don't get stressed out about the my the daily assignments uh daily workload and all so I believe that's one way but another way more towards the sporty side


other than gym I play soccer sometimes like with my friends I believe that's one way to, unwind I mean not only me like where the the people I play with also, they they come and play soccer because not because of competition and all but because uh they want to break free from their their work schedule they want to just uh leave everything behind come and just have some fun for a while


so playing soccer and mingling around it's uh one way to relax but then COVID nineteen situation so it's a bit hard to, get together in group more than five a group more than five and, uh stuff so playing soccer might be a little difficult now so for now I'm still sticking to netflix and probably gym and also uh I believe you can relate to this but another favourite activity to unwind will


be sleeping so that sleeping it's ya I mean it's true , it's true sleeping it's one way to unwind relax , yes yes okat let's move on to another question there's so many interesting questions here


oh sure can describe one of the most uh memorable travel experience,


I mean mine is also thailand like what I say before I was deployed two months in thailand so, ya basically why my most memorable travel experience like the food there definitely oh yes I went to the mcdonald's at thailand you won't believe how big their fries are how big their drinks are is I think is like two times our singapore


uh mcdonald fries size I believe , like one put like you I'm so used to the singapore size large fries that when I go there and order large fries I have to share, with my like my buddy there it's that is there a lot then for myself I don't really drink coke


like that much like by the coke I drink is just for like uh digesting the my whatever I ate but then the the cup there is so big that I'm wasting so much that I just would give to my friend like !hey! just take it , ya but okay


yes ,


twenty minute fifty six fifty nine thirty one


part one finance,


alright so like Fatihah you know we've we've like recently been talking about a lot of like you know like future plans and stuff like that so what about like insurance you know like, do you have personal insurance


cause right now like if I'm not wrong cause I ask my parents just now, and then, like they did say that I have insurance, like it's like they signed up for me something like that, but eh it's also under NTUC but I really don't know what the details are specifically


so like but since I have a full time job like I should like no right so I tend to I intend to explore further about it


but you twenty now right, but do you think like okay let's say cause, since we're on the topic of CPF anyway right do you think like CPF insurance is enough though like for coverage and stuff for the future


but honestly it is true because I usually help like I usually assist my parents to like you know pay off their loans for like the housing like every single month and I will I will always say like, after a while especially when you get older and you will still paying for like


housing and all that stuff it really is not enough for you to, you know last until like your old age so it requires them to continue working, and, not really it's pretty sad to be honest


honestly okay as like a young adult like both of us are twenty so that's period like we're not really like not that we don't think about insurance but we're not really you know always focused on getting what that


get like you know putting like around ten to twenty percent of my income probably to the insurance because no matter what you may never know when uh, you need that kind of coverage and especially as adults right like


, you may never know when you get like sick or anything, so, personally I will definitely want to focus on getting an a policy that offers comprehensive health care because we can't rely on like medishield medisave forever or like maybe also other needs that maybe require long term security and insurance I think that will be a very good you know


coverage like amount of coverage for from your insurance


K that's true actually


but since like you know cause we we're talking about basic plans and like we're not really at that age you know to, really good comprehensive as you say so like think about it like a lot of insurance companies will definitely give you like a standard plan but will you go for that or would you go for like a DIY agent let's say and if it's like DIY like how will you you know plan it


ya that's true because I was thinking like you know how there are a lot of people at our age that usually recommend like !hey! you know if you don't really you don't really need like this much health care or like you don't need really that this much of a an insurance coverage maybe let's say but personally I really can't


not say I don't trust DIY , insurance planning but in a sense that what like you will never know when you actually need something and your insurance coverage does not fully cover it or like it's not comprehensive enough to like support you or like through your rainy days and stuff like that


and like, insurance just like for people our age right you you really don't know specifically like what kind of insurance plans, like, we want to do actually like for me personally I'll definitely want to like


maybe I'll save enough and get a car probably that's like one kind of insurance that people our age are concerned about or, definitely a lot of us are also concerned about health care and stuff like that but you know I'm not sure like what are the insurance


like you know plans or do you think are essential for each anyway, ya ya ya (mmhmm) that's true that's true (mmhmm) ya that's true ya that's right (mmhmm) yup and it's not just uh ya


ya same same and this one like I don't know why some people were actually say like oh insurance is actually not that important like you need insurance no matter what like no matter where you go like personally I used like travel insurance even if like even if is as basic as going to Johor because you may never know what happens there you know like


, what if have what if you get mugged or you can get into an accident, down there or like and a health crisis strikes when you're overseas even if it's like the nearest place ever, so personally like I've, used travel insurance before and I know there was once when I think


the travel insurance covered like when you know when your bags get lost, when you travel, so I think my mom, had that experience and then she actually claim with the with the insurance company and that we they actually got like got it back like even though it took some time but it was actually quite essential because you may never know like


all these kind of things so when, it you know goes missing, so if it goes missing like what if like there's like a couple of things that have been taken out so it's best to get insurance no matter what the plan is and there was once when my dad got mugged in Malacca also and we had insurance so that actually covered things that you know


we really don't expect it but insurance is key


my belief is that I view insurance as your own life investment, but like in other kinds of investment, things you know like, financial wise or whatever I don't think I will actually, mix it in, with insurance because you may never know when it goes wrong you know like things like insurance it's it fluctuates you know it really it investments sorry


I'm like it fluctuates it goes all over the place and you will never know, if you were gonna be gaining something or losing something, so personally I won't mix insurance and, investment what what what about you though


and I think like that's like one of the kind one of the questions that will definitely ask, like, an insurance agent you know like when I like if I were to, go look for a different policy in the future maybe something separate from what my family has actually obtained for me


and like among other questions like you know besides, like how secure is your safety net or like, what like other things that, isn't stated out like you know in black and white that I will get covered for you because you will never know what happens lah I think that's the thing that we keep on repeating in this discussion is that you will never know what happens which is why you need to get insured


ya, so I think that is one of the main questions, (mmhmm) I think


a lot of people will say whole life insurance but contrary to popular belief I don't think that's the best option personally for me right now I'll definitely, go for a term life insurance because even even you said you know like even your mum you see like changing plans every now and then and I know definitely my dad change plans


like currently is in NTUC he used to be in AIA and then there was like different kinds and stuff like that so because it really to me it really matters you know what, are your needs right now and how can these insurance policy be tailored to your needs


and if it's not tailored like if your whole life insurance is not tailored to what you want or what you need in like let's say in the future then you gonna be at a loss, to be honest so, to me personally even if it means that I have to pay a little bit more for a term life insurance


I think it's better to be safe than sorry so at least I can keep my plans updated


I'm not sure though would you, try cause, I've heard about it and like I wouldn't really say I'm convinced hundred percent that I will do it but ya ya right okay


part three negative experience, okay so


is this, it's like duty the topic that we always talk about, so it's like , okay , okay let's start simple what popular foods do you dislike and why


what popular foods do you dislike and why, like food and why, same okay


k ya unpopular opinion I don't like durian also, it's like it's like you know after you cook, like after you cook and then like there's grease on the pan, it's like you took like you took a lemon and then you rubbed it and then you eat it I felt like I feel like that is durian


, it's gross okay but ya a lot of people always say like oh my god you don't eat durian like you know you are you not asian I said no it's not a matter of that it's just weird to me like


it feels like it taste like socks you know, exactly you K K, okay let's go on to uh , okay let's start, uh


what should we ask each other, so you always talk about all this, what do you often worry about, is going straight into it


oh, you know this, okay like uh, oh my god


what do you often worry about okay I won't ask about school cause I that side there's like some standard what about work also but I think what are you worry about in terms of, like, the friends that you have right now, cause I know you always have concerns about this person and this person you have your your gut feeling is always studying like something's gonna happen so do you have anything that you often worry about in term of friends


but I guess in a way you can't really, its sad because you can't really do much you know it's at the end of the day is the, it's their own choice and you still have to stand by them no matter what, which in a way it sucks also cause you can't tell them eh no like


I don't think this is gonna workout, avoid human okay okay


I was reading the same question , was reading the same question I was like what I feel like you gonna tell me ask me that k, I think, we both know what happened back in june, was it june ya it was june that was like a solid three to four months ago


so , for sure I want back then whatever happened whatever transpired , naturally you would definitely want to take revenge you know you definitely want it's I think it's like human instinct to want to do something and stand up for yourself


because you feel like okay this thing that happen, it's not for me it's not it's not working out it's not it's not, going well like I have to do something about it, and I think you, were the one who told me like eh it's not worth taking the revenge you know why why go through the lengths when you ya even though you were like the one was actually plotting some kind of revenge in secret


I remember you were just saying that actually I have things to say but, naturally when like I said, I think, it's really human instinct for you to get revenge, to like against things that don't go your way even like let's say if you don't if you don't get like a job maybe I think it's natural for you to


feel like you have to stand up for yourself and do something, like even if it's something bad, to you know to show your to show your disappointment and, it's normal actually


but I think, both of us we've definitely been on both end like we've definitely been on like once spec one end of the spectrum where we don't take revenge, and we, we did take revenge, so I feel like but have you ever felt


but have you ever regretted taking revenge on something, cause naturally whenever I


I mean once in a while nice to have revenge, but, think about it like how content will you be to see someone else's life, you know just, fall apart in front of their eyes because of what you did, ya


I guess that's the thing that always pumped me up the most, about wanting to, get revenge on someone ya, so I don't think many of us are ready for


okay , what ah


okay what did you believe in when you were younger but not anymore and why, ya you should do eh !huh! ya (mmhmm) (mmhmm) ya


it admit certain things you really can't, you really can't you know, if it doesn't work out it doesn't work out, I guess ya, personally for me


, it's really a method of, I guess , it really believing in that things will be always happy as a child you really don't know what's going on even if you think you know you don't


and I think, believing that things, will always be fine if you, if you really listen to people, for who you think, are better than you, you you'll you'll be


sad for life because I remember following that same advice, like my aunt aunt my aunt and uncles were teachers, and naturally my mum will always say my dad my mum my dad will always be like eh you know they like more knowledgeable in these kind of things in I guess it's better for you to listen to them


but, to me it's like I shouldn't have never actually I've never listen to them, because, to think about it it really got me to a place where I wasn't even happy with what I was doing you know I wasn't happy studying because there was so much pressure


and I think like but that's one that's why I realised like you know what you believed in, listening to people who you think are better than you, it won't get you far


if you know, it sadly enough if even if you even if you think that they are better like they know better than you they don't, cause if not we wouldn't I wouldn't be where I'm at right now, if I had listen to them


cause if we actually like you know, listen to our mom or like we'll just, went about thinking you know just, following the footsteps of someone you we think it's better than us, you know we will never be able to succeed


okay we let's let's skip, enough with it , record a scene from a movie that made you cry in sadness, I have a lot okay I you know maybe I'm not someone who cries


at everything, like I only cry when I met ya we only cry whenever we are like super breaking point but I think I will never stop mentioning this movie the up it's an indonesian movie, it's called Habibie and Ainun it's about like it's a love story of


the like, one of indonesia's president and his wife, and oh my god I will never, I will never stop crying okay I feel like watching it again now, but I will never stop crying at the thought of it


like oh my god that movie just broke me entirely


it it will break you apart sis


it's more sadder when you when you know that that movie was based on a true story and like after, after his wife died he went to the grave every friday to visit her, oh my god until the day he died


oh my correct okay, that's it , that does it for me


where he screamed at the door


entertain like he actually, and like thirty he actually took like the thing like he actually, accepted like you know the verdict that he was guilty even though he knows that he wasn't, but he knew he couldn't do anything, oh my god that's just uh broke me I tell you


, every single time I watch the video I I remember watching it like when ah was, uh when we were on the way to sydney, and then I watch it in the plane, oh my god


two positive experience


oh my god okay honestly I always come off as like someone with like so many different kinds of moods nowadays but I'll say my younger days were very pretty memorable though like, I think have told you once that you know I bumped into a glass door in McDonald's


when I was young and my tooth fell out, then I was like really, honestly it's it it felt so weird, like thinking about all the times and then there will there will always be those you know family holidays, like it's always those little things even though


, now we don't get to treasure it one thing is COVID and another thing because of our, super busy, lives you know like, part time work full time work studying oh my god, so ya what about you though


like I'm really interested to hear from you


oh my god ya and I remember speaking of like long term best friends I remembered two of my friends who were with me since kindergarten and like we're not as close today but we still keep in touch you know our moms are close, but I I will I will always remember every single week like just going to the pool like the swimming complex


and then just stay there you know play around you know with all those like near the Jurong west swimming pool there, or the Jurong east one and they just going around, it's one of the reasons why I am so tan now so, but and then just just going there and I remember memorable


you know just going after that, I remember that back then, in Jurong east or Jurong west, there's there's, the swimming complex, they used to have this pizza hut and then next to it there was a KFC, so every single time we go there will either go to either one of those places those joints and then we'll just you know relax have it was so carefree back then


not all you had to do was just play around swim around, scream and that's pretty much it you know


and not just and it's just like beyond like, I will have what we usually speak about you know, I think both you and I we both wanted to set up a company, !huh!, like even separate companies I think that like personally to me, and my dreams and goals were just to be successful enough


so that I don't have to go back to a state where like where I was before in the past like you know not as well off, then like you know being able to care for my parents like without any worries of you know, like having to pay for bills or ya like or had or even like those


let's say you may never know if the company thing works out like having a successful company good enough to you know always be tuning up good content and stuff like that ya


for okay think about it okay so since we are talking about parents friends and other stuff, and like you know just looking back all the old times, what is the like your best birthday present you know cause, both of us like we are turning twenty next month both work together like just a few days apart


so think about it like maybe is from your parents or a friend's what is the best birthday present you ever received and why


when


all those times that you were just running around screaming with our friends


!wah! , okay honestly right one okay I, I really can't say which, like which birthday present was like the best for me but definitely one of it will be yours the one that you gave last year so we really did a gift exchange back then


and I remember just getting that like the, how it's the scarf, you stitched it by yourself right ya, ya you knitted it by yourself stitched it what, , okay I've never gotten like okay the thing is I was so in awe


like I still have it it's hanging in my wardrobe now, so, I'm still in awe like how do you actually do like, it's like how do you can how can you actually makes such like, a thing you know because I'm never like that creative in a sense that to actually make hand woven thing


because I really couldn't like I was looking at it again the other day and just thinking like what, how do you even like create such a thing, but I guess like you know if you are really interested in doing something you will definitely still do it you know


!whoa! it's like very very very deep question, honestly right funny thing


funny thing is how like nowadays there's really not much, to look at and think like , you know my faith in humanity is like restored but I think, is very you know it's very nice to see, our generation like you know


take charge you know in doing like in advocating for things like racism you know against racism climate change and, you know every single time when we go on twitter all these social media platforms and you always see, people that are super negative always saying this and that you know not


support not having the same beliefs as everyone else that are like really really you know, scary to think about, but when you see people advocating for change against that you know a change in that environment, , I think it's like that's when I feel like you know faith in humanity is restored especially in the way of you know


the george floyd thing, like , we we used to be just normal protests but, then we see is not just in america you know it's around the whole world like so many people were talking about it so many people were like saying like !hey! enough is enough you know and that's when I feel like okay I think there's still hope in our humanity in hope in mankind you know to change things to make like things better


we got honestly


ya and I think that's really what people really need now you know, something to just nudge them back and say like !hey! you know, things will be okay oh okay for sure


definitely you know you my own friends, think, based on the even past experiences in in secondary school where people always say you know secondary school you always get like you always have friends that will last forever and stuff like that which is not so true


not in all accounts but I think, really grateful is when I'm, entered poly and I really met people like you, and really met people like are like are friends like you know #eka faizal# then we met people like, even people like jane you know


people that really changed as even though things went wrong, somehow in the middle of it I think that's really grateful because, coming into in poly right I think both of both of us we didn't really say it but we were both not really going through the best times of our lives fresh from a very traumatic four years


and I think it's really grateful for us to be able to meet you know, people that will actually pull us out of, that whole space and ya I think that's the, then I won't say three things that I'm grateful of but I think that's the one thing that I'm really grateful for


for sure oh, , okay


okay so, we're talking about people that we've met in poly and and I think you know where I'm going to lead with this obviously about your partner okay I'm still single, okay but definitely I want to know


things not just things that you've told me but things that you've always experience you've you've observed yourself but you never told anyone what are three things that you have in common with your


don't cry ,


uh I think that doesn't really need anyone to say


I think that's really good because not all couples, uh you know have, the same positive experience as you, K but okay now that we are we putting all if you gonna put your all aside okay and we gonna talk about like the simplest thing ever what is your favourite childhood food or snack


it can be the fattiest thing ever (pp), the most unhealthy thing


because you just over it already, okay I still do this to this day I cause ever since I've learned how to cook I will I keep on l will never stop like making this not making pizza


it's freaky like like some people don't know what it is, , okay is is the jam I tell you okay so like just you know just putting in that like boiling the maggie and then just like putting in eggs ya and and then the powder


well there are some people call it maggie pancake


but suddenly making pizza


ya honestly I've never thought about that, so I always think like you know, I had I didn't have skills, oh my god okay, I know I have very good aim, , okay surprisingly cause


I never I I didn't know I actually had good aim, cause I always thought like you know I was so on point with, throwing markers at people, but then that and then I was like okay you know like


from the part one finance okay


I think okay the thing is I would love to have personal insurance but right now I'm unable to afford it because I'm still just studying but if I do get a full time job I, do plan to, get a get a insurance what about you


because like uh you know how I started working part time since I was sixteen right and by then I didn't know that a part of my pay actually went into CPF


until recently when I check my CPF account and I realised that the past few years that I've been working part time they have been uh giving me CPF contributions so with that I realise that


I'd actually do have insurance but in the CPF and medishield form, but under ya I didn't really clarify with my parents whether I have insurance because I was talking to my mum about it and I think her insurance plan only covered us until we were about eighteen


ya so I guess I'm not applicable for her insurance anymore


I definitely don't think that uh CPF coverage is enough because like, we, even right now right our parents we we can take our parents for example they use their CPF contributions to pay for housing like example you can you know you can use your CPF to pay uh a part of your HDB loan and so on and


once you use that to pay your loan I guess you really don't have enough to cover like your hospitalisation fees and so on and it's not just that, uh CPF actually doesn't cover most of your hospitalisation fees so let's say your bill goes up to eleven thousand right it only pays about four thousand it only covers about four thousand five hundred


and then the rest of the amount ya the rest of the amount you are going to have to fork out your own money so it is best to actually have an external insurance provider


ya so to you right regarding insurance like what percentage of your income do you want to spend on your insurance like and what is the extent of this coverage


I think I agree with you I agree with you when you say like you want to set aside like ten to twenty percent of your income for your insurance and that makes sense I think that that is flexible enough lah I don't think it is too much yet too little but


for me right I I honestly wouldn't see that I want a comprehensive plan at this age because, they are pretty pricey, and you know as a fresh grad I probably won't earn that much so like to me


I think I would only want to get like the basic plan like the ones that cover hospitalisation I don't think I want to invest in something like or the disability, our insurance stuff because to me I think that I'm at an age where that one is not really necessary yet so I think I will just I would prefer to get


I'm an insurance that just covers mostly my uh hospital bills, ya because like ya, because to me insurance is something that is flexible


you know unless you are signing up for life insurance that is like a lifetime technically a lifetime commitment everything else is flexible like you can always choose to upgrade you can always choose to change your insurance provider, because as you grow older you realise your needs change and also when you grow older you realise


more things about you like how I was telling you that, my family has hereditary heart disease right, ya because I realised that my family has this trend where in at in their forties than the their heart condition start showing so to me there is no point in me investing in all those kind of


how to say ah all those kind of like, coverage when it comes to insurance because I don't think I need it yet ya so I was thinking more of or as I grew older as my needs change then I will choose a more holistic coverage for my health care needs


uh DI I honestly I do not trust myself enough to have a DIY plan that's what I would really just rely more I will really just rely on on an agency even though like my family has a lot of


adults that are that have lived long enough to understand, the extent of insurance and they have they themselves have changed their insurance provider multiple times even my mom is planning to change her insurance provider and to me right I would rather place my trust in somebody who


is well versed in it like they know what they're doing they know what to recommend you I don't want to, you know put myself in a position where oh just because I can do research on it doesn't mean that I know what's best you know for me because at the end of the day I don't think insurance is something that we can take lightly


we are even though we are ya even though we are young we do not know what we may need you see the thing is even people our age are, suffering from it long long long term illnesses like or lifelong illnesses like diabetes and so on so I don't want to take that chance to put my money and my trust in something that I probably am not well versed in ya


I think it will be really beneficial for our age if we invest it and it's not about an investment if we applied for the dependent protection scheme


so under CPF they have a range of other additional insurances like medishield life eldershield and medisave but I think for our age group, uh DBS is still the best, because right it is it is a term life insurance you see so


it provides like insured members and their family a basic coverage of up to forty six thousand dollars which I think is pretty worth it and in the event that the insured members suffers from a terminal illness or like total permanent disability or even death the they are


how to say there's something that they can fall back on in the event that one of their in the event that we or one of our family members face this kind of issue and the good part is that the coverage is worldwide so even if we're not in uh singapore anything we still are insured


ya so okay so the thing is it, I would okay even though I recommend it for our age but I wouldn't say that it is the best when it comes uh when you're thinking long term because according like according to strait times right once you reach uh forty five it is no longer at an affordable rate


ya so the best is still like you can yes it is an affordable option now it is an affordable insurance now but right before your forty fifth birthday it is best to find uh other alternatives and probably even an external uh insurance provider


, and going back to like your question of what kind of insurance you feel is essential for people our age like I said uh hospitalisation plans and life insurance even though people might think like oh life insurance is ah later in life blah blah blah it's actually something that you have to build up on


even though like people think it's only necessary for older generations who and people who have families right it can actually benefit us as well, because apart ya, apart from like providing a lump sum payout for your dependents like your family or whatever if you die right you will also receive like like money if you were diagnosed with terminal illness or like suffered


uh or or are suffering permanent disability like life insurance will help you with that and like I say these kind of things are the non predictable ones you'll never know what will happen you alive like one accident can really change a lot of things so I would say that hospitalisation and life insurance these two I would really invest in that from a young age


ya yup yup I agree with you


okay so speaking about insurance right uh do you think would you mix insurance and investment, do you view insurance as a form of investment


oh if I have enough uh knowledge in investing I would invest but I will try to never mix it because that is a very very dangerous risk to take


okay the thing is I think a lot of people think that , insurance is an investment but it's actually not there are certain insurances that are mixed with investment but men most of the ah insurance that we know about are actually not any form of investment because when you invest your money somewhere you expect something back right you expect to profit from it but


it is not so with like pure term insurance if you die it's your dependent or your like your nominee that will get something because, if you leave you don't get anything you know what I mean even though you are the one like giving my like paying money every month to your insurance provider you don't get anything in return what you know


so basically I I think a lot of people need to understand that you cannot the only thing you can gain from insurance is a safety net, you cannot profit from it it's basically just a safety net


ya correct okay (mmhmm), so would you stick to like a term life insurance or will you stick to a whole life insurance like which one do you think you would want to go for


yup I completely agree with you like you said to me at the end of the day right it boils down to your philosophy on life insurance is really what you believe in is really what you are looking for , and I really feel like life insurance should protect you rather than help you build your wealth which is why I think term life insurance


is a great option because I'm only paying for like the financial protection in the event that I passed away or you know become permanently disabled and so on whereas a whole life insurance is like a commitment and what if one day I realised that oh my life insurance actually doesn't cover this aspect and it's not as


easy to get out from that when you have made that commitment you know whereas term life right it's like every five to ten years you'll get to change you know I mean and like I said as you grow older your needs change your health care needs especially they change which is why I think we should always stick to a more flexible option


so talking about back to uh investment and do you want to try those insurances that have ILP investment linked policies


yes I seek for my like I said if I had the experience you need if I if I have the knowledge in there I would buy oh right now definitely not


part three negative experience


ya this is a topic that we always talk about so ask me a question you ask me a question, what popular why


what popular foods do I dislike , oh !wow! oh durian oh my god I, I hate durian I'm so sorry I can't stand the smell don't bring it near me it's disgusting to me I'm so sorry


I do not, ya I do understand it I really don't I just oh nope


ya ya you you it's gross it's nope nope nope, it is just ya it's it's really an acquired taste I feel and I'm sorry I I don't like it you know it doesn't suit my taste buds


and then they were like oh you're missing out honey I'm not missing out on anything if I don't like it


!wow!, !wow! you know me man you I have so many worries okay in what aspect you you have to give me an aspect so I can narrow it down


I think honestly right now, okay in terms of friends , I'm just worried that, my friends will make choices that, will


negatively affect their life like it's not something that can easily walk away from, I think that's the one thing that I would pray hard that my friends don't do because, I'm the type of person who will really go to the go to the end of the world just to save you but


there's only so much I can do as your friend you know, and, I I'm afraid, because, if it negatively affects my friends it will ultimately affect me negatively too


seeing my friends hurt will ultimately hurt me that's why I just, I just ya I that's why I try my best I try my best to protect my friends from everything from doing the bad things but


sometimes, it is just not my place you know, to ya to stop them from doing certain things when they want to do it so that's I guess as a hardest pill for me to swallow


do you okay wait no no , , have you ever wanted to get revenge, like what happened to make you feel dizzy ya


ya it was during the ones you in ya


ya ya I agree yup


I okay , there was this person that, I fought with for the longest time, you know and ya there were times that I did certain things to blatantly hurt the person


and, every single time I did it, it didn't, make me feel great, you know, when you first do it !wow! there's that excitement there's that satisfaction like yes like that person got what


he or she deserved you know, but then, as I as time went on, what made me any different from that person you know


that person hurt me I hurt the person back, how am I different from the person that I I hated so much, I hated that person because that person hurt me but, I think hurting that person back is not the way to go about it


I think the best revenge, is being happy, because when people dislike you they just love to see your downfall you know they love to see you


hurt they love to see you sad you know, and the best revenge is to not give them that satisfaction, so I guess that really changed my whole perspective on


ya yup, like you can take revenge but make sure you can live with the guilt the rest of your life, that's my belief yup


yup, okay your turn to ask me a question


it was that, , child like believe that, things will get better I feel, you know like


I kept thinking that, I kept thinking that, , ya I kept thinking that things will be better for me in the future you know like, I kept thinking certain people in my life would change


like I thought, my mom would change like I told you about this right, I when I was young I believe that if I grew up if I became better if I became more worthy


she will, she will love me she will be there for me but, I realised after, twenty years that, that, it was just hopeless you know


that I had to come to terms with the fact that it will never change, because, you either love somebody from the very beginning, or you learn or you grew to love them, but the way I see it


even after so many years she couldn't grow to love me, and appreciate me you know the way I thought she would so it came down to a point that I realise, this is not it ah that, I have to stop my child


ya there are certain things that you just have to come to terms to lah


I ya I experienced that but in a in a harsher way because, I let my whole life revolve around my mom, I made her, the I made her the reason to validate my existence you know


I seek validation from her I, I, put my my worse my value, pissed off of her you know, how worthy I am, I always


big black pasty off from her and, when I had to tear myself away from that when I had to stop letting my life revolve around her because I was so miserable that wasn't a loss of, self identity


for me I didn't know who I was, and I told you I had to go through therapy and stuff right, and, I I thought it was a sad thing, I thought it was a sad thing to not know who I am until I realised


it's a good thing, because I can finally be, somebody without her I get to, find myself, all over again you know


I get to be a better me, there is always a silver lining in the sad things that we go through


even though it sucks you know even though in that moment it hurts us even though in that moment we don't know why this is happening, but at the end of that when we look back, don't you feel relieved, like don't you feel like ya like thank god that happen


you and me, oh here we go


ya he say is Habibie, I know okay I know you recommended me the movie but I I I can tell you I swear to god that there is the the reason I can't watch it is not because it's not because I don't want to watch it okay I can't because I know how much it would break me I am terribly afraid of that movie because


ya because no it is very similar to what happened to the actress in real life right, her husband when I watched her vlogs Huda I cry every single time every single I can't I can't I can't like every single time I think about losing


losing my partner losing my losing the love of my life I just I don't think I can live with it I really can't I don't know how she is surviving, I don't know how Habibie did it but, uh I can't it it will break my heart no no no


yes, every friday ya oh my goodness ya, oh no I her lord I oh my heart, you know okay the


ya the the, movie that made me cry the hardest the hardest okay until now I can never watch that movie again because after I after finish what after I finished watching the movie I cried for three hours straight, it was


miracle in cell number seven, tore my heart what they did to the guy just because the he couldn't accept the fact that, the daughter died


due to an accident, he had to make a guy who is who had a disability you know like he was not mentally okay you know, take the fall and he is such a great father like he loved his daughter so much so so much and


and at the last scene when he had to get hang, and like, he had to say goodbye to his daughter ya when he said goodbye to his daughter and he kept standing back and then he just came back cause he didn't want to die and he kept apologising lah I'm sorry I wouldn't do it again right please I won't do it again I was


and that's the most hurtful and frustrating part of the whole movie was the fact that he was only innocent after he died, he was only found innocent


so Huda what was some memorable moments from your younger days


and when I was young uh because my mom has a twin sister so they are very close, she would I it felt like it was every weekend but I saw my cousin so much like I think every weekend we would like sleep over at their place


so that that was really nice like because she's literally she's not even a year younger than me she's just two months younger than me it's just that she happened to be born in a in a different year, so because of that we have been best friends like since young


and it is so nice to have somebody that I can grow up with like I was there throughout her barbie doll phase you know we played barbie dolls together like that was the highlight of my childhood playing barbie dolls with her


ya okay what are the dreams and goals that you wish to achieve before you die


ya I think that for me I want to be a good parent if I ever have a family you know like think, the thing about how my parents brought me up and I totally get what you mean when you say you don't want to ever go back to that state of


struggle like you know when we were struggling to make ends meet and stuff like that I, I've seen my parents go through that and they really work their way up to the point that they can provide us with what we have now I want to do that for I I wouldn't say I want that journey no in fact I want my kids to be born in a state when I am financially stable


I can give them what they want I can provide for them, because I don't want them to experience that type of struggle because when you you know even you go through struggles like that there are certain things that, uh become really absent I would say in your childhood there so that's one of my goals that I want to do at the same time I also want to give back to my parents what they have provided for me ya


best birthday present I ever received !whoa! !wow!, honestly the best birthday present I ever received was from you


ya the ah last year during our, internship when you gave me that the other the the thumb ya the tumbler thing ya the newsletter and the tumbler I have never gotten a much more meaningful gift I loved that


I love the little like descriptions you wrote about me you know like it shows how well you know me and I guess your gift is a life changer for me because it made me realise that what I truly appreciate what I have always wanted for my birthdays were never


jewelry or you know all those like things I want I've always wanted, the things with meaning I realise I'm a I'm a collector in a sense I'm a collector of memories, like do you know


uh when we went to the national museum for school ya until now I still have the ticket because it is meaningful to, me ya ya, ya so that's why I would say that I honestly I really really appreciate your gift I still have it until now I read it every single time I feel like sad or something I need something to cheer me up I always read it ya


what about you what about you


the scarf yes that I knitted ya


honestly that I I told you right that I knit when I'm super stress, and like during internship I was super stressed that honestly knitting really helped me distress every time I came back and I had to knit your scarf I was honestly so happy like it was something that I always look forward to at the end of the day


and honestly I don't even know how I did it because knitting takes hours you know and the fact that I could still go out with I could still go out my cousins I could still go out with you after work and complete it in time for a gift exchange like, I don't know how I had the energy for it but ya so I'm glad you appreciate the gift


okay describe an experience where when your faith in mankind is renewed


honestly to me I think mine is definitely simpler than that, because I work because you know I work part time retail right


and, oh my god the amount of rude customers I have to deal with but what makes me ya but what makes me like feel like the I still can have faith in singaporeans is what like


out of all the ten people the ten rude people that I have to deal with there will always be that one that just one, customer that will come to me and say thank you or like they will smile at me and thank me for my service you know like


and it makes me feel like okay the world is not such a bad place you know, ya it it really makes me feel better like seriously a smile can go a long way, like one simple act of kindness I realised can really go along way


okay so what are the three things you most grateful for in life


!wow! , okay but I agree with you you know actually I don't have much to say for that question because my answer is the same as yours I think you know me too well, so I you you ask me another question ya


yes yes,


three things that I've never told you about my partner that we have in common okay , I'm not going to cry I'm thinking okay, three things uh we


are very very very observant people, like okay you you and I are observant you know we have already established that right but I didn't expect him or even realised that he is as observant as we are or even more because like there are certain things that I will point out and I think that he doesn't know and then he'll be like ya I know I noticed that I'm just like what


how do you you know like when I don't even see you looking at people ya, so that's number one I think number two we are, both, very very very stubborn


I okay, and the thing is you know I'm stubborn right and even though, people would think that he's not stubborn or something but I would say that when it comes to the right things we are stubborn about it together


I think that's what a lot of people don't really I I don't know people see me as being stubborn and that is a bad thing but when it when it comes to our relationship, we are both stubborn about the right things ant it and I guess it comes down to the fact that we are both always willing to communicate even when things are bad


and ya and another thing that we are really really similar in I think, it would be, how well we know each other, he knows me so so well


he knows when I am sad just from, the way I look, or from the words that I say he knows I'm sad, I know when he said from his body language like, we both


took our time to know each other and I think that's, there's that I don't know what is the word for it but it's like, I guess we are both , connected in that sense that we go out of our way for our partner


as much as he and I have our own separate lives and we have our own, uh focuses our own like priorities when it comes down to our relationship we are, at the same page


there is no need for me to like sit down with him and tell him this is what we need to talk about no it's, we're just always, at the same wavelength and I think that's what I'm I'm really really really thankful for


and I think that is something that I am so so glad that I share with him lah ya


my favourite childhood food oh, , dude I was, I was so obsessed with #mee rebus#, I kid you not there was a period of time where I was just so obsessed with #mee rebus# like I could eat it for three like for all my three meals