uh young adults like us right like from I think twenty-one to thirty-five is like a very prime stage where if you start a family you have to buy a car or a house or an extra extra and then one very big thing like to note for big ticket expenditures is that you need to


only buy what is needed that like that's why I would advise first like you don't buy something just cause you want it I think like that will lead your downfall so, I think like especially when you are you for example you wanna like purchase the house because you want to get married things like that maybe you wanna start looking at


start looking at BTOs instead of like maybe resale flat that kind of thing like you need to save as much as possible but I think I have like uh like one strategy is uh, every time like regardless of like your salary like be it like ten bucks or even like ten K I think


uh the fifty thirty twenty rule like fifty percent you save thirty percent you uh sorry fifty percent you like you use for expenditures ya thirty percent you saved then twenty percent you invest so this is like a model that you can try to like uh I think


start when you first like start working and things like that then it can go but big-ticket expenditures I think like for us is like the biggest problem lah like ya ya buying a house and things like that but I think that's like my point of view I guess ya


which explain which is just different, you been spending too too much on


peer pressure ya


ya I think like for me I am naturally a pretty thrifty person like I cannot I my budget is just, twenty four seven very bad like it's just very small then like every time I go I like okay the most amount of money I spend on is definitely food and transport like I am not like those type of person who like indulge in like uh I don't know like go for clothes shopping go for skincare make up that kind like


so I think it depends on like your personality like if you are like a very girly girl that kind you want to like be very put together then confirm you spend a lot of money early your manicure pedicure hair makeup, things like that if if I'm just like in a survival mode lah so like just need just need money to like eat food and then like transport I think food is more like I spend more money because that's how I treat myself


so like you want to treat yourself to a nice place or like you're like what you said lah when you go out you, wanna eat some good food with your friends so I think that's how but it's very hard to cut, down on like my expenditure if like because I don't think I spend a lot of stuff on unnecessary things like I just don't anyhow go on Shopee and like buy a bunch of stuff that I don't need but


I think I think like, the only way to go about this is maybe like go for bundles cheap you can go to like you know Fave or like Groupon ya ya ya, yes yes yes <B>


so you just keep sculpting ah I think that's how you can like save your money I would say or just go for sales man don't buy anything when it's like hundred percent ya just go for sales ya


I think like similarly right okay I can only talk from my experience and I feel that do you like DIY my own finances at this stage of my life would be like the most like or optimal one lah because I think you you usually, ya


it's like it I think it's more it makes more sense you if get a financial advisor either if you're like a high net worth person like you have a like you or you want to like, maximise your wealth so you already have a substantial amount of wealth, then you want to like further maximize it then I guess like it makes sense for you to get financial advisor and is not financial advisors are not like cheap also like you have to pay them like monthly every single every single month like maintain your services but then again I believe it it also depends on like which sort of


services you want to obtain like for example if you want to invest then like stocks and bonds , ya ya ya, ya ya ya ya


and like another thing is that stocks and bonds like the market is super super super dynamic like it it changes every single second so you can't possibly monitor it like twenty four seven while having like a full time job or like you have to take care of your kids or you know you have things to do for yourself so financial advisor that's like what


that's like their forte so you gave give just give them the money and do it but, once again at this stage as a, like a young younger they're trying to just figure out life I think or DIYing would be slight would suffice for now ya, the best option for now ya


so the next function


ya it keeps accumulating in singapore <B>, I think like okay there's like one perspective to look at lah like you got into a debt because you cannot, manage your finances for me is like, uh I don't know it can be sometimes circumstantial like you take a debt because you have no other choice like in my case I'm taking like a student loan to pay off my student like fees for uni so in that case is like


I cannot I cannot afford like to pay thirty K at one go so I need to take the loan and ya so for me like I'm planning to pay off my student loan so in that case I think, like for me the main priority first is to just pay it off first like just clear the the debt first like I don't want to keep be like is like it shouldn't be like a recurring thought like oh you got a debt to pay you got a debt today like whenever I open my bank account there are like oh you owe fifteen K twenty K I'm like stop it don't but but it's just like ya so I think


uh for uh for students I think there's no interest rate for the first, three years like after you graduate so you just try to like hurry up finish like paying off within the three years, then I think like don't try to while you are paying off a debt I think you have to be in control of like your expenditures lah so don't try to like go for holiday don't try to like get a car or like some fancy random stuff which is which is like super not needed so just clear your debt first and then maybe in that case like


if you have a lot of problems trying to , like be in control like I've been put away money for debt I think there's this like function for bank accounts like once you deposit a money like salary gets credited to your money right you can pull the funds into like a part of the account where you cannot touch


so it's like you no so if you want to withdraw money from that pool it's like you're you're you're penalized like you have to pay penalty which is even worse so like, I think so I think I'm I'm not sure about credit counseling but I think I think that it's like a possibility so ya so if you really really cannot control then you just like push the like


money away then you just use it to pay your debt I guess so


ya ya, another thing is like credit cards like credit cards is like gives you the wrong impression may as like free money but ya you shouldn't ya it's not, ya, and with interest which is even worse like you just not think about it you like okay let me get this like this is amazing but you don't think about the consequences of it which is even worse so I guess like unless you are like super rich don't get a credit card first just get a debit card I think that is enough


why [ya lah] that's what I think to get out of debt I would say ya so the next one is huge, cash flow how much of your income, you mean expenses insurance investments how do I manage my cash flow okay


(hmm) you go first you go first I'm just like, every every broke kid ever ya ya ya


it's kind of embarrassing lah ya, today ya, uh I think so ya, ya ya agreed


so like for me personally is like is like what uh the guy said right it's it's very hard to put aside uh, like a like a portion of your income for insurance investments or even savings when you earn so much so little in the first place so it's like how I try to like


make sure make my free make myself feel like accomplish or like make myself like a finance guru is try to prolong my expenses so instead of like finishing like hundred hundred dollars in like a week I take like two or three two weeks like to finish it and I'll be like eh I actually to save wherever I can and then like last time it's three weeks so it's like a


it's like a good feeling lah ya that's why I managed my cash flow but I think, like the fifty thirty twenty rule is like the the optimal one but we can it changes according to our job scope our like family and other situations and I think, it's also very important to like set aside six months of your income like sorry savings which equals to six months of your income like as an emergency fund so when you start working you I think the first thing is to like


create your pay off your debt secondary is to like uh create your own emergency fund so that's how I would manage lah like in the future for now it's just prolonging my expenditure ya


we won't have houses ya, ya ya ya, <B>


like bank accounts right ya


it's okay what ya, ya ya, it's like circulating ah so, <B>


we we will be like !aiya! when will there even happen I am I even gonna like like why do I even need Medisave or like where do I need to buy a BTO then you just like you just postpone it so I think CPF is really important and secondly is like, like what you mentioned they their interest rate is pretty damn good like I get my annual interest rate for my current bank account is like


three cents which <B>, CPF I think is like I think they give you like more interest but the most important thing that I like about CPF is you can invest in like government bonds using your CPF money so it's like and bonds is like higher returns like compared to like your normal savings account so in that case you get


ya is much safer cause is CPF and its like a government bond so I think is very little chances of you going wrong, and you have a minimum amount of like guaranteed returns so I think that's like amazing lah about CPF I mean every every time when you see like oh twenty percent of your income is gone you feel a bit heart pain like !alamak! but I think like in the long run it were really save your life lah to be honest


ya ya ya so, ya same ya ya ya ya


you just you just can't take it and I think like other countries are also planning to follow soon like for as CPF ya


ya ya I think I think is good lah initially I was like oh no why but now it's like ya ya when you grow older you realize that how important it is like to be honest again ya okay


like just for our level lah like when we are still look less studying and stuff ya, it's damn good , yup


it's like a side hustle, ya ya, like you're maximising your like talents skills you know but I think for us right like I I think uh in singapore we work so damn hard like really really hot but it's only enough to survive on a daily basis


like if I were to work this hard in like a overseas country on europe right I'll be like balling man like I'll have so much of money is like in overseas they are roadshow but they also like earn around the same amount I guess like but that in singapore it's like the cost of living is extremely high so even if you


earn extra income it would just still anyway like balance it off so, it's very important to maximise your wealth like don't just set though like for example you get ten K from investments don't just settle for that ten K you use the ten K to invest in like even bigger investments you maximize your wealth you have to like keep like rolling the money and just don't settle for less so you have to keep circulating it so


so I think that's why you can earn extra income like the one day jobs like the the side hustle is like extreme I think it is a very good extra income for like our age or even (ppc) ya for students ya ya not when you're or you know you wouldn't even have time for like yourself and your family so you


ya ya ya it's it's like one day like food I guess ya I would say so okay ya okay


part three negative experience, okay oh I thought you too, it's super it's gonna be super hard to avoid human cause human is my coping mechanism okay let's try okay biggest pet peeve I hate when people are not space-conscious


like like when you go on a MRT right you just like you are like for example taking the escalator down then people the person in front of you just like stops after getting on an escalator I'm like bro where do I go now like it's just annoying and then when when they take out so so much of space while walking when they can clearly like


go to like one side of the like pavement or something like that and then like when people just don't want to move in during the MRT and like cause like I I live in, a place where like you take LRTs and MRTs right so is very like we don't really take bus here so there's like very limited space so I get really pissed when you when it when people don't move in when there's clearly space and I'm being denied of taking that transport like you know it's just annoying ya I think that's my biggest pet peeve ya


ya ya ya ya


, eh part ya, they take you for granted, ya they will they will take your presence for granted and then


and that's usually unlike you usually late because of like something you can't control like your your bus ya so


<B>, <B> ~a what annoys you most is like two-faced people, like I just can not handle those like you talk to me like one thing then you go behind my back to


like talk about me or like you go to another person and say something else about the same opinion you shared about me till when I find out I just get I just rage so hard but then like as I grew older I don't actually deal with these people then I just cut them off from my life because I have no energy to deal with you and like your bad energy and like your


aura isn't my thing so like it doesn't was, ya ya so like my circle is damn small ya it's just annoying like just just say one thing lah like how hard is it to stick to one thing that you stand for like ya I mean I get the people evolved and then they change the opinions when they learn about something but that is very different


ya they just like just immediately oh like oh I never see that okay I just can't even just that kind of people so ya that's not my thing, ya ya ya yes


no then that's not even the no no that's not even the worst part is like when they un-mute themselves when you're supposed to mute yourself and then there will be like talking at the background with like ya, ya


self is just, it's just annoying oh another pet people oh my god this is like the biggest pet peeve right like for me for right now cause like in uni you have to do a lot of good projects like for my course like minimum I have to be in like, five group projects per sem I hate it when a person doesn't contribute or like voice out your opinions like if okay if have problem with something just voice it out like you don't have to be like don't keep quiet then you blame people that they never take into account if you have a problem ah something just voice it out like how hard is it to like vocalize your thoughts so like


when people don't voice out people when they don't contribute or like they clearly are not very interested in the project when their grade is also like at stake I'm just like bro what are you doing like aren't you not interested to like beef up your results uh so I'm just very annoyed lah what I mean


ya ya ya ya they they just like use you for certain things, ya ya ya ya, ya is is just very annoying or like I purposely will reply very


late or things like that cause I just I ya I just can't Tahan that ya okay so, ya I'm a very emotional person so like


ya ya ya (ppc), ya ya ya so Disney movies is like I think I crave for lion


king like when the dad died, what's the name, what's his name I forgot his name, Simba is the is the child, Mufasa ya when Mufasa died I cried like I was so uh so affected by it but I think like


what do you mean , I've never ya ya but I never watch like I think I watch, when I was younger I forgot the plot, everyday like I just I don't remember


ya ya ya especially when they have such a good relationship with each other like it it just breaks my heart like it's just, so bad but I think like I I just I just cried for everything like I cried happiness I cry when somebody's touching and then like it doesn't even have to be a movie like it's just something like one minute video I see someone like you know struggling I just cried like I'm just


it's it's not like something that is very like I don't cry only when it's like very sad so I don't think I'm like a good person to talk about it lah I cry for everything one it's so ya, okay okay, moment when you


oh my god literally last week I fell down on the school pavement dude it was so bad like cause I'm, like me and my two other friends we were walking along the pavement and there was like construction happening and then like we were trying to like rush to the bus stop because the bus was coming in like two or three minutes and then I like clearly like trying to be like


like some I don't know some athlete and I was wearing <B>, delete this scene and then I just I I then I just I just like immediately stood out then I was like oh shit guys then I just have to like


I just pretend as if nothing happened my two friends will keep on like eh are you injured are you okay then I just move on then like there was like a awkward silence for like three minutes because they're also didn't know what to say and then I was like okay now just don't talk to me ya it was so embarrassing I just hate it when, I fall down I just I just just don't like it


was I thinking ya ya ya ya ya ya


ya ya ya ya ya, ya it's just annoying it's just like so bad and like it's though it makes it even cringier when like you think back at the moment and but then when you were doing it you thought that this was like amazing but when you look back at it you just like dude that was


ya any photo or whatever like it's just I think that was also one , time where like I can't remember I think was some orientation or like some event I I I think I lost to in a game so I had to do a forfeit and then in the end I ended up doing like butt spelling in front of like two hundred people I think that is like the peak of my like cringiness


I was I will never forget it I was like I literally went to the stage and I was like I'm not gonna do like butt spelling for you !eww! then they were like you just do one letter one letter, can already then I was like whatever then I just did like some simple letter and it was just it was just bad ya it's


ya it's just it's just that I just (ugh) whatever, okay ya next is what have you have you ever been, okay ostracized ah, uh, ostracized meaning like you are being


like discriminated discriminated ah, ya I think like at work I guess like when I first started off working after alevels I think in my place it was just clearly there was a divide between different religions not religions sorry races lah so you can see like


indians and malays were not very treated well so and we were always push with like the, the very manual work but that no one wanted to do, so initially I was super happy that I got a job there because you know it's a pretty like renown place but I didn't realize that I got in just because of my race and not because of my qualifications and I just felt very annoyed but I that was like my very first experience with like racism and like it was just very hard but I think


ya like small small things in the everyday life you just feel ostracized especially as a minority race I think there's like a lot we can relate to <B>


picking on us us sia, shit, (ppc) ya, she's she's just very annoying ya because like she herself was the indian teacher and then she will particularly pick indian students to like kind of criticize on their work and humiliate them I'm like


bro what you doing like you are supposed to be a teacher in the first place like beyond religion or race whatever you are supposed to teach us and not like laugh at our mistakes then secondly you go and like blame your own race I'm just like what but, I think there's one good thing about feeling of being ostracised is it is you can actually


see or connect, no you can no you can with people who no no no not with similar people it's like you can see and connect with people who would support you like allies ya so it's like you kind of shows like who is just like with you for the fun of it on someone who actually values you so


I think it's like a learning experience and we are ought to, like be experience this in my working life especially in like a every office setting there are bound to be politics is just about how you try to navigate it ya so ya lah I will confirm there were a lot of experiences of ostracism like


so you keep going through <B>


I think there are a couple actually, but the worst I think, is my grandfather's passing out, it's just like it's just like very uh, it's just very hard to talk about lah but I think cause, it was especially at the age when I was like quite young I think I was like twelve and then he passed away then like uh because he was in india so like we particularly travelled there to to be with him and they were just like okay maybe he's just gonna pass out pass away anytime so we have to go there but at that point I was still very hopeful like he was some somehow going to survive it


and then like one day you wake up then you hear a lot of people like just crying then you realize that he's gone and then you realize that I should have I should have spent more time with you and I try to find you as a person you know like when you are young you are still in the granddaughter and grandfather relationship your like your happiness derives from just being with them but you don't


you were not mature enough to understand get to know them as a person like how they are so it's very like it's like a void in my life lah I think nothing can like replace that but the traumatic incident part it's just him passing away in like, everyone like, crowding his bed and crying like I I can still like figure that scene now and it's just


it's just very like traumatic for me I just, only loss that matters true ah so many people who have passed away in my dad side but I don't


care , ya ya ya ya


it's like for for me it's like because my grandfather was like he had uh <B>


dialysis and then he was doing so well he was so happy like genuinely happy like he could eat food like the he actually likes like beef briyani or like ice cream or like just go out and just eat whatever you like without having to think about you know what's going to happen to me and I was like so happy that the dialysis was working on him


I don't know, ya ya ya ya ya ya, ya ya ya


ya, it's, (ppc) ya ya ya the holiday


ya it's just it's, ya ya ya it's just, I just I still remember like them taking like the pressure monitor like just to confirm that he passed away then they like strap it to his arm and then they will try to see if there's a heartbeat and it was just like blank line then like as a twelve-year-old it was very traumatic for me because like eh


eh like it was just like you see someone that you have you someone who has brought you up like literally pass away in front of your eyes is, I wish that upon no one man like no one it's just it's just hard like for me to see some eh is the worst part when you think when you when you think like he's you know what he's gonna get okay but and then he passes away it's the worst


ya ya, ya mine was like twelve and I was like my PSLE years some more so


do this even like that's like I don't know man you start your travelling somewhere just to, a ten, like when I see someone passing I think it's just the, what's the worst lah like for me it was so, ya ya ya ya ya


I mean I I really I'm a big believer of like you know things happen for a reason but I think this is something I can never digest like I can just several like comprehend why this is to, be this way you know like


ya ya ya that's one good thing ah ya, like being on a deathbed ya, I think so so like at least he was happy before he pass away I guess like he at least like was able to enjoy some things in life that he was denied


I uh think that's cool I I guess okay this is like a bit too heavy and I can't and I have to avoid humor also , like that's like my coping mechanism okay okay okay dude worst travel experience ah worst travel experience I don't


I we don't okay my family is a very lazy family we don't really travel anywhere like we just at at home I think, worst travel experience I don't, think ya ya ya, ya


transport ah ya ya ya, stay , ya oh damn


great, there's no regulation


there's no traffic light, ya ya ya ya nothing I think, driving in india is like uh is like uh it's like a sport it's like a it's like a risky sport it's like legit like bro ya is


anywhere, ya like literally anywhere I think ya travel experience ya I think so, I guess, for me I don't have because I just don't travel that much I think like maybe worst travel experience when I try to take a bike and then I ended up in an accident I think that was like probably my worst travel experience it was so horrible like I just like my my my bike just flew in front of me then I was like say lying and my legs were like bleeding and I was like (ugh) what just happen and everyone was just looking at me and like


I don't know whether to laugh or cry and then but I still pick myself up and then I just went back home so I think that's like ya ya like kudos to me man okay ya


what's your positive experience, (ppc) okay so this one is hard to hard check regards your positive, feelings okay so first thing is what a small things that always make you smile what other small things that always make


ya ya ya, I think so too I think like honestly right there's so much of emphasis on, materialism and materialistic happiness I mean it is I think it is a certain like towards a certain extent it is quite important lah because it kind of quantifies your achievements or like your financial like ability to a certain extend but it's like the happiness you get from small things for me I think is like when when I go to the bus stop in a bus comes


that's the best thing like eating super good food you know like you don't get you when you go to a place to try, food then like the food doesn't disappoint you ah that I love it watching watching like a feel good movie like something that I've always like watched for like ten


like even if I watch it for like a million times I still watch it again it's still gives me happiness it's amazing ya


, ya ya ya, it's like a sudden realization you are like oh shit life is moving ya, I think so so like it's just I don't know when I have like a like a super good convo with my mum


or like you just drinking cause we we have we share evening like tea breaks with each other then we always talk about random things like happening around the world or like just like gossiping about some random thing then like ya just like small small things lor I think so ya like oh when I go for a long walks and it's


like about to drizzle but it's not drizzling that weather is amazing like, ya, ya ya ya ya music, ya ya ya, oh ya another thing you talking about music like okay when you get into the car and then like your favourite music plays on the radio that yes is like like no matter how many times


like you can go Spotify to listen to your favourite music or go to YouTube to just search when you listen it to on the radio like on like when you're not like in the in the position to choose it right I think that's like ya that's quite amazing, <B>


ya ya ya, or like in school when like people write for your notes I think like now no one really write down like handwritten notes for anyone is not that, everyone is like Instagram posting post on story or like things like that but I think like handwritten notes is like okay make like a lot of effort is input into handwritten notes lah but now I think like it's considered to be like ya it's just very sacred I think now but ya I love it I love handwritten notes even if is I just say hi I love you or something like that


it's just it's just ya, okay clearly we have a lot of things , guys who have made that worth everything, sacrifices that you've made that worth everything


are they sacrifice I don't think, ya like, I think like sacrifices is like, for our age maybe okay I I for our age I think a lot of people actually have made great sacrifices like they have to forgive their social circle and social time to go and work jobs they work multiple jobs to like provide for their family or like they they for example people even take up jobs in schools to provide for them-self and


so like you kind of get cut down on your personal time and like your the time you can spend to go out and chill and things like that their life just become like work study work studies like a hussle which, I personally I cannot do because I need some personal space personal time I need to have like fun also if not I think I would just like really go crazy so for me the sacrifices I've made is like not that


much for now but I think like, I think, I think you the sacrifices are making right now like I think the most important thing in my life right now or like my most biggest achievement that is going to become is my degree lah so I think this most sacrifice of that I made in terms of like


uh prioritizing work or while I going out with friends or like or like prioritizing like uh I would never prioritize sleep over everything by the way lah I need my sleep but like my work time over some things or like going to source for internships when you can actually clearly enjoyed the holiday


but you know that that will actually like beef up your resume and like land you a better job so I think things like that, ya it's just like very little little sacrifices but it's not on something it's not like I'm giving up something so like important ya ya compared to like I don't know previous generations I think they have given up a lot so


ya, we you should, , other than , ya, I think the common one we have is office yes


it's amazing is the, friends show I don't know when people see the friends is the best show but like but I think I like office cause, ya, and the facial expressions ya


no no no I've never watched it <B>


there's like a some sort of a person I appreciate ya ya ya


for me like like after you said like about the immigrant thing I think for me I love anything that is that talks or vouch for representation, like ya yes yes yes jane the virgin, ya ya ya


like just just be inclusive like it can be in terms of like uh race religion sexual orientation mental health, like the type of like social economy background that you come from I think just try to normalize everything and not just show something that is something like very glitz and glam I think I love it like so best like TV show I think like never have I ever came out right I think is like a very good step into project indian


immigrants not just not just don't limit to bollywood movies and songs and like shake your bellies man that is not it we're much more too, ya ya ya ya ya


Charturti ya, for nobody ya ya, ya ya ya


like like especially not only the main the main character like the supporting like the friends also like one person is like a chinese, I think then another one is like a african american and she's like and she's bi so it's like his trying to show the people that !hey! you know what you are being represented on TV shows I think that is like something really empowering or like be it black panther like dude there was like a revolution in


the hollywood industry like to see a black person as a superhero I think it gave hope to a lot of young, black children and even families ya ya ya ya ya ya, ya if it was so funny but ya ya it was like I mean


like mindy being uh being a female screenwriter and also actress at that point where representation was not a thing I think it was like ya I think we can just go on and on about representation lah then ya ya ya ya ya okay for the next part, three things you have you have


okay so , seriously, ya ya ya ya ya, okay ya


like ya we are just we can never , like we are aware I don't know if it's inappropriate but we just end up laughing at things that are not supposed to be laughed at or things like that I think maybe we are evolving to become serious because like we are adulting but I think we are,


compared to other people lah like normal people we are still like !alamak! okay lah then move on lah like that kind, , students influencing ya


ya ya ya like everything also we can make a joke out of it and just laugh it I don't know if it's a good thing but it made life a bit easier or to be honest and it's more like enjoy enjoyable lah like and you just find some comical element in everyone you meet I think that is like a talent to be honest ya


to keep yourself entertain and just like move on with life like we can never be quiet although also we have like been scolded by every, singles like secondary school teacher every single ya everyone knows that, talkative ya ya like this the ya ya ya


like music and movies, ya ya ya ya ya, ya, obvious jane the virgin ya ya ya and like same personalities also like uh what's his name


shit dude what's that what's what's the name of the guy in how I met your mother marshal marshal marshal ya marshal ya marshal dude marshal ya like, I thought that it was it was just a phase like you like similar things because you talk about it a lot but now that we we don't really spend of them together because we're not in the same school but even when you catch up with each other you realize that !hey! actually our taste like


the same lah like ya and another major important thing right that we have in common is that I think we don't really, care about, being put together


ya they just wanna be more presentable I mean like that is amazing like that is great I I don't I, we we literally like who just hoboing our life like we just we're just like in survival mode lah just wear clothes to cover my body and not to look presentable ya ya


ya ya ya ya, so I guess like there's like another very common thing that we just don't give a shit sorry we just don't we just can't be bothered, ya ya ya ya then another one


visit and why one one place you love to visit and why, what is one place you love to visit I love to visit a lot of places leh one place is a bit like hard, I've, ya maldives but


okay like not let let's not even go overseas like in singapore I think like we love to go to nex I don't know the some thing in nex like we don't know what is it but we just love it I don't I think we've been there like no joke like maybe hundred times but


like we still don't get bored of it and we always like that's our, go-to place to meet up and things like that and there's like a lot of memories associated with the place which makes it even sweeter whenever you go like every single shop I think ya, <B>


uh I think I'm good so, ya, (uh huh) which one, oh my god what's best food you've ever had ah this is also a very hard question eh


ya, the the the spring roll cake , no the the, ya ya ya ya ya ya not spring rolls leh sorry the sponge roll cake dude I was exactly thinking about it I will no joke I was like okay maybe I should just see that lah since we I can only think of that ya it was


for a CIP ya, CIP we did CIP there , CIP ya, singapore embassy, ya


it's a sponge roll I think it's like or marble cake or something like that ya ya, it was it was like the vanilla one it was so creamy and so rich it was not like those like pound cake that you buy or like , it was


we're just so hungry , no it no it was really good it was the best like pastry that I've ever not even like okay not pastry dessert I've ever had it in my life it's amazing oh my, god ya ya ya it was amazing okay describe like one of your most memorable


we laugh too hard lah, wait describe a time when you laugh too hard <B>


okay I you can't say him because he's a devil okay so maybe, ya ya ya, ya, no no no you know it's it's okay not even that like even uh in our tamil class right so we were supposed to we were asking around like what was our favorite movies were then like


uh I ask I cause I very naughty so I went to ask my teacher like eh what teacher what's your favorite movie then she said something in a very a polished way like it's like every casual thing but she said it


oh ya ya ya ya ya, song , ya, we started to laugh and then then she was like !aiyo! ah you you very naughty ah you laugh


is that a sexual song ya ya ya, ya, it was just so funny because like you see her as a teacher right then you see her in a very respectable place and then she you think that she's always like very prim and proper very posh then she talk about something like a very like a very sexualize song and then I just couldn't take it I just couldn't put the two images together and just started laughing so


ya ya ya ya then like I think everyone started laughing seeing us laugh I think it was just like I think she felt like we were making fun of her but honestly no we were just just couldn't piece the two things <B>, ya it was just it was just ya which is disastrous like ya okay okay then


describe a time when you got appreciated for your hard work I think like, uh okay not really I guess, was memorable travel I I think the only travel experience we both have together is laos like overseas I


ya ya ya parents, ya, and we went in sec three so it's like fifteen years old I think it's like a pretty like it's like a very solid thing lah to go at fifteen year


finally so much fun ya, ya we slept like three hours a day because we just couldn't like we couldn't like just sleep because you want to maximise the time we have together right, ya ya ya it's like very chill


, ya they were, lah I think like I think like the, ya like the basin tab right it's like once you're on it like it's very hard to close it like you have to really push like a lot of put in a lot of force to close it so we made a lot of memories


ya, ya so it's like it's like a experience that I think is very hard is very like unique and then you experience with your best friend who laughs at everything which just makes it which makes it great and then we had like super good time travelling in a bus I think I love the bus rides we were just like plug in music and then just look at the nature because the places is very chill


ya, I like I like a little bit at like one uh monumental place ya ya ya ya so so I think it were is like a very nice place to just go and unwind lah you won't be reminded of any of the world's reality there's no technology there there's no like oh I'm rushing for work I get to get this done


ya ya ya ya ya, is, it's like you can bargain and uh and and we were very amused also because like their currencies is pretty bad so when we went to like get ice cream they said like it was six thousand uh I forgot the currency ya so we will like !huh! six thousand then we were then we all said six thousand in like laos is like one buck here


ya so it was just, I think it was like cause we were trying to navigate a new experience together and then we also did CIP and like the kids in the school were also very cute they were so cute ya ya ya ya so, ya


dude at the it was like a super big monitor lizard right when we moved the when we move the cupboard then we wanted to clean the back part then there was like a super big monitor lizard then I was like what, what you want ya so it was just like a very nice like travel experience to look back ya


ya, ya just going with your friend ya like go with your best friend I think it's just amazing, ya I think ya, okay, ya so to stop recording lor


part one finance I think we have to start young so around like


probably once we, start working that will be a good time cause you know when you start earlier then you just you have to, you get more money and also because when you save money at the start, and then you know your compound interest itself it's kind of like something that will help grow your money (mmhmm) ya ya (mmhmm) ya so


ya so what strategies would you recommend to someone running for the big-ticket expenditures, I think as of now we probably don't have


try to make a monthly expenditure kind of, page or you know just write down all <B>, you know got married so , so you know uh where you're spending too much and where you can save and where you can


come back on so and try to just like, get probably get like uh insurance when you are like gonna


and so like how do you spend your money, which expenditure is justified and what, have you been spending on too much on so I think for me personally <B>


getting a bunch of friends and you start going out a lot, so I feel like that's what I'm, spending too much money on , so like whenever cause you know when you go out with your friends and then you just like start, someone's like oh let's let's go, uh karaoke then we just like not often just go


ya peer pressure so like it it's a bit hard to say, no on it but like maybe try to cut, back on like the amount of times you go out or like just openly say like oh , I can't spend that <B>


ya or like Eatigo Eatigo has like a lot of promotion or like even <B>


I would definitely say take a financial advisor if you can because I do not have much knowledge on how to <B>


whereas you know one might work for someone but not for you, so a financial advisor can really assess like assess you and, find which uh uh, uh you know how to properly manage your <B>


I mean we have no money to like


we just go for a <B>, ya cause like you have no knowledge on that and again anyhow just go and like dump your money in like some company than you eh like what if it crashes you just lose all your money


so uh what advice would give to someone to get him out of, the debt okay so I feel like <B>, you know if if you're you have to, you have the mindset that, you got into debt because you don't know how to properly manage your money you uh <B>


add on more loans more debt to your already <B>, maybe try to like if you have a lot of credit <B>


then maybe you can you can like consolidate all of them like make a <B>, consolidate all what all you own to like multiple, and I think you can there's this option where you can like consolidate it and like one person will just lend you money


for like, very low interest to like no interest for around like, six months-ish and then, and if you are sure that you can like pay off the debt within that period of time, you know, that will be a very good option instead of paying like those <B>


debt with high interest because your interest, it while it may looks small ya it will accumulate a lot


but or or you can always go for like credit counseling if you don't know how to like manage your loan your debt properly


where if you if your debt is like, twelve times more than your monthly salary, like a monthly income, then ah you can go for like a consolidation <B>, some it and then it's something to do with the singapore government, so they will like kind of


help you pay everything off they will help you manage they will like only give you one credit card so that <B>


ya but it's not they pay you first, and then you have to pay them back later, ya it's worse


how would you manage a your cash flow how much of your income is allocated to savings expenses and insurance investment, I think for uh, you wanna answer first okay so like , how I manage my cash flow I currently do not have much <B>


time stuff that I do , ya cause like I I mean cause now we are dependent on our parents uh and like oh and the little money we get from like like part time work, so I think, we can't really save much because the money that I get is literally I'm barely getting through day by day


so like ya but how much do I save to uh save my income for like saving and expenses, okay investment zero no investment as of now maybe when we start working but like savings is really really less


right now, trying to get through the expenses every month <B>, ya but I think what you said earlier the, fifty thirty twenty one, it that should be our goal at the end of the day when we actually start getting a good income


so what are your thoughts on CPF contribution I feel, like CPF contribution is very important cause if without CPF I think , uh half the half of population of singapore are gonna save so like when the government forces you to you know do CPF then like you do it and also it's like kind of like free money cause like


you contribute twenty percent your employer contributes eighteen percent and it's, amazing and also another thing about CPF is that they have a special account, for retirement and that's a, the interest in that is much higher than, so double the amount of with our ordinary account


so, ya so like if we, if we get a probably like later on in life lah if we, feel like uh ya lah we have a house we don't we're probably not gonna, uh spend, from our ordinary account I mean that much then we should really consider


moving our money to the special account cause the interest itself is gonna to build up so much more than our ordinary account and also like, I I feel like so what I, did for my student loan I took a loan from my <B>, so at the interest I'm paying it paying is too


my dad is not do some random bank somewhere else so I, I paid basically like just giving my dad money so it's like, ya so it's, it's much better than giving someone you don't even know at least it's in the family except the money's not going out anywhere


also it's like so much safer


ya I think you should just look at it like it's you're not getting ten K your your salary's eight K just forget about that two K so that you know it just goes towards your saving, ya <B>


you cannot withdraw it unless like, you have an emergency or something like that or like if you want to get your housing loan, so like that's, that's like you don't you don't even have to like you know, tell yourself like oh there's money but you cannot take it oh no you literally cannot take it, ya


ya CPF is amazing, ya, so uh what can you do to earn extra income or improve your income level , so extra income I feel like


there's a lot of like one day jobs, like a like <B>, do cause as student we do not ya ya ya or like honestly I feel like, riding for Grab is an amazing way if you get if you have like a car like you you can earn quite a bit of money


and ya and like ya something like that or and even if you have some kind of talents or if you have a passion, like if you draw well or if you like make uh bake really well then you can maybe make you know consider them as like your side hustle


which like it it's like it's not really like a business but it's also like, it's kind of like a business but it's also not a job per se because you're relaxing you're, doing it for fun but you're also earning some


part three negative experiences


I think my biggest pet peeve is like, it's like when people are late, and like it's like I hate it so much because, it's like okay especially when friends meet right you like obviously you already decided on the time you said be there at two o'clock but I


swear to god every time I go somewhere right they will be like oh I'm running late I'm running late I'm like bro literally I'm running late like every single day like can you you know it's gonna take you one hour right start, you know start travelling like ten minutes earlier like please


ya, I feel like I'm mostly as much as possible I'm early and even if I'm like running late I'll like inform you very very early and I'll tell you the reason why


so much so like if I'm running late, I won't I won't make you wait for something that I can like prevent, so like when people are late I feel so so so annoyed it's like, why are you late oh it's cause you don't care about this meeting is it that I think that's my biggest pet peeves


I think a recent pet peeve for me is because like, of COVID we would have like a lot of Zoom calls I hate it when people like, off their camera they freaking off their camera when they are clearly supposed to on it, like you you signed up first oh my god


ya and like do someone else and then keep like we are like hi, hi can you please like mute yourself and then they like don't even care and I'm like bro what


also I I think another thing for uni is like because, you know in like JC and secondary school you have you have like classes, but uni is not really you just have lectures and you just go do your own stuff, I feel like I hated when people like, text right before you need to submit an assignment or you you know to ask you for something and then the rest of the class don't talk they just want a mooch off you and then they will just like ignore your for it


<B>, I hated I just like I block I physically block people


so recall a scene from a movie that made you cry in <B>, cry for a lot of movies like it doesn't even have to be like that sad, I'll just cry uh cause I feel, that I'm uh very invested in the movie then I'll cry, ya but I I don't really I don't think I've cried that much what english movies cause like I I mean the type of english movies I watch is probably like Disney movies lah but


a recent movie that I cried for I feel like I cry for a lot of tamil movies does there was one the one I, I cried for like so much was is usually when like


you wanna say this describe the moment when you uh sorry described the the embarrassing moments that make you cringe


I I feel like I always cringe at like I'll do something then later on I'll think about it and then I'll cringe I'll be like what what were you thinking of like, what's wrong with you ya like usually something like when like I say something very stupid in front of someone or like it some uh usually it happens like in school when I'm like distracted then suddenly the teacher calls me then I will say something very stupid


and I'll be like oh <B>


(uh huh) (uh huh), literally any video any photo like


some moments that you wish you can erase from from my life but like


the probably luckier people who, have not really been, ostracised too badly like I, can't really pinpoint, a specific event that I felt like I've been oh shit oh okay maybe like in secondary school when there was a indian teacher who keep, picking on me but I don't even know if that considered I'm


she'll should like pick up on the indian kids in in class but I don't know if that consider <B>


ya with like uh similar people, or support you okay ya


what about what is the most <B>


died ah ya, ya same same like I feel like cause like I was very close to my grandfather he basically like uh he was in singapore until like my


sister was born, so probably until like primary school and primary school, and then after that he he got , he wasn't feeling well so he went back <B>, few years actually, we I don't think we it's like he's a very nice person


you would never tell us what's wrong with him he would never say that I'm in pain he would never <B>, so we didn't know a lot of things until like the end and I thought like okay so the the year he died, he died in like january-ish


and in december when we went back to uh india he like, after being like so unwell for a very long time literally that one holiday he, felt so much better and he was talking to me he was talking to me like


normal like, my own grandfather that I remember and when I was young and like he was, like making jokes and stuff like that he he got his eye operated so he could see more clearly I think maybe that's probably one of the reasons and, and I was like so happy ya so I we were like oh he's getting so much better and we were like so much and very hopeful


I know I uh is that is that something that actually happens before you die or something because like literally in like january the whole month people will calling my mom and saying oh like oh is your dad he's okay like it well he's talking he's like he oh went out for a walk like he did this he did that like we were also happy then suddenly it was


on Punggol like a a indian festival he passed away, and like even on that morning right we were all happy we were all my my dad when to like buy stuff to like celebrate the the holiday and stuff like that and then suddenly my mum got a call like my my grandmother was crying she was like ah your your your dad's is not waking up like and I don't know what to do I'm


I'm trying to find like a doctor to see what's wrong and that was the day my uncle actually reached, india as well so oh my gosh


happened when I was seventeen-ish seventeen eighteen eighteen, so ha so dramatic and, ya, ya and like you where there right I wasn't there but all all I can remember is getting down on the flight going to the uh to my house and like seeing him in a glass box and like


oh gosh ya (mmhmm) it's like, what the hell is like oh my I literally saw you like a month ago and you were fine now you're in a glass box I'm, like I


can I couldn't comprehend it for uh for ya like, oh god it was horrible ya think that's the


ya but the the the only thing I can say is that at least he didn't suffer when he was passing away he was healthy he was fine he was happy he was talking to everyone and stuff like that , ya like oh I I mean instead of getting like uh disease suffering and stuff like that yes


so I, it's good for him bad for us , yes but something else


, don't talk about the worst travel experience


ya I can I can say my worst travel experience I feel like okay so my uh I live in this place in india that my birthplace called Kanyakumari and there's no direct like uh, airport near it so so literally every year I need to take a flight to a different state and then traveled two hours by car so there was this


once when we actually missed the flight, and we had to take uh a flight to a airport which is like eight hours away by <B>


ya then it was so dark it was at night there was no there's no traffic light there was no like street lamp nothing so it was like oh my god I literally I thought I I literally thought I was going to die you know in the eight hours


(uh huh) like if you can drive in india I feel like you can drive anywhere in this world ya,


part two positive <B>


I feel like uh like just a normal text, from someone who I <B>, uh swiping to Instagram and see a meme


ya it's amazing, I feel like something that actually make me smile like right now is like my sister, she's like growing up, so like little things that she does you know like like even the other day I was like studying when she came and gave me water and I'm like oh my god you're like so old you're like growing up you're like you know it's like such


it's like yes yes and then like, stuff like that it's like okay and then it's like


night walks in general but you are listening to music and just walking you know you not talking to anyone you just, just like seeing the nature and stuff like that, yes on the radio yes, (uh huh) (mmhmm)


or like some old song you totally forgot about but you loved when you're a child like like oh oh my god like all the memories just flood to you back , ya oh god yes (uh huh) (mmhmm) ya ya ya


yes yes, , so what are the sacrifices you've made that that's worth everything, I feel like I, haven't really done any sacrifices I, don't think I'm in the age to make any sacrifices as well, I cannot


do you have did you make any sacrifice, probably like the time, like sacrificing, my time to study and then you get good grades maybe like


I I feel like we we cannot really speak much about this ah because we have literally not that much experience


movie TV show you have ever seen and what do you like about, , I feel like I have a lot I I feel like speak about this for days but I'll just say one , office yes office is amazing,


it's so funny no no no no no no, I think office tops it all of course like the, subtle subtle jokes that they make is like oh my god like just the silence dude suddenly stare into the camera and I'll be like oh my god but I feel like I'm the another one is one day at a time have you watched it before it's on Netflix


it's it's basically it's very funny, but they also talk about like real issues, so like one of the character the main character she has, uh depression so, like they tackle these issues they tell you that having depression is normal they


you know and also like one of the the, the main character's a mother so the the, the daughter is, uh homosexual this do you know they like they tackle real life issues it's about an immigrant family who moved to america, and even though I'm not an immigrant family who move to america like my parents did come to singapore


and I feel like their you know, they they kind of carry their culture ya they they carry their culture along with them here the same way as they do in that TV show and I felt like even though was only like two or three seasons it was amazing and I could relate to it a lot and also like the main character had depression so I think I feel like I'm related with her a lot


because there are <B>, ya and then like when you're looking when you see her you are like oh, this is how I sometimes act, maybe like I'm not into my I've


oh like have you seen jane the virgin, jane the virgin is amazing it talks about all the


if you really think of indian people they only talk about Deepavali but, I feel like in that show they talked about Ganupathi uh Chaturthi I first like that was amazing cause that's a festival that not many people talk about but it's real it's hugely celebrated in india, and like


ya and like when you see those kind of stuff you are like oh my god like !wow! this is something I actually experience in my real life so it was like it's


they even have the deepavali episode which was amazing, mindy Kaling ya (mmhmm) ya but that ya


what are three things you have in common with your best friend or partner, we are best friends so , we had three thing in common I say we do not take a lot of the seriously we laugh it off like


I don't know if it's good or bad but I feel like


like like in secondary school we literally like laugh at everyone like whenever someone not like laugh at anyone I'm saying like when someone like I don't know cause people always say oh you two are the people laughing at the corner of the class we're like ya


ya ya honestly yes, (uh huh) yes , every single teacher in secondary school, because we're always talking we're always shouting we're always laughing


ya uh and another thing I feel like we like, mostly the same things like, because we when we were in secondary school we only talked about indian stuff like we will talk about indian songs indian movies and stuff like that but now we even like the same english stuff like we like the office we like how I met your mother and stuff like that ya


so ya it's like <B>, marshall marshall , we both love marshall so


honestly yes yes like but I feel like, uh a lot of people like even it not even if in even if, like in secondary school they don't really care about themselves that much like once they grow older they go to university they go to like JC they start like you know indulging in like make up and like they like make themselves


ya, that's the amazing thing but we do not have that we lack, that , I don't really like freaking tomboyish like we roll up our sleeves and we walk like that like


yes (mmhmm), okay so what is one place you love to visit and why


I think one we wanted to visit is maldives, like we always say like we want to go to maldives and like take a picture for WhatsApp


at nex rooftop garden it's like the place for like literally all secondary school people


I I see I you know I'm like reading to the question and I saw one like which is quite interesting, can't think of the best


meal I've I've ever had but I feel like the best food per se I've <B>, there's the the the , fun drew what roll was that


ya cause like cause over when we went to laos for like our CCA, uh trip do not to do uh, what what do we do there, we didn't see anything there ya we didn't see anything there and then after that they brought us to this like, singapore laos embassy ya and they were like giving us food there and they give us this like


no it's, it's not spring roll what is it call, ya just like the the roll cake like oh my god it was amazing, , I know it wasn't really I I don't know if it was actually really good or if we just were like starving or something like that but like it was amazing I


oh you want say this uh describe a time when you laugh too hard


but ya the I think the one that like the recurring joke we have is from a tamil movie there's a particular character in this movie and we always laugh at him like I don't know it's very funny


I think uh no I I no I think it was something like ah she that that teacher was trying to tell us that tamil songs have double meanings, ya and then she was like oh this particular song, has like a double meaning and then we were like we started laughing and how we were like oh


my god what, no it was okay no the the thing is that it was like a it's a very like, promiscuous song I I don't know how to, to say it but when she said that it was so funny we like laughed so much


we were like what thirteen fourteen that time was like dying laughing, nobody burn it's just, but the situation as a whole was hilarious


very hard okay can we do something else like basically one of the most memorable travel experiences


ya laos I I, feel like honestly even if you feel like ask me in general I would still say that one because that's, something we went without our parents we went like, as a school with all our friends and like we


yes like ya we we went there to do CIP but still like we had so much fun we like shared the same room and like I don't think we even slept like, (mmhmm) and and like laos is like is it a third world country can I say that and so like even the the hotel was like literally broken down


like the like the heater the water heater didn't work the, basin didn't work ya


ya and then there were like bugs all over the room there was like a freaking cockroach running somewhere


it's it's a very amazing it's a very nice place and also like it also like does it like it kind of resembles paris a little bit right little little bit, some of the architecture kind of looks like that


the biggest thing there is like a freaking #pasar malam#, like, amazing that's all I need honestly


oh they were amazing they were like so grateful for the little things they, have their <B>, so small but they were so grateful for the stuff they have


very memorable trip ya I think the term basically the thing is just like no parents, so we're like so done yes ya that's all


part one finance, okay so I shall, ya alright I'll read I'll start with how do you invest your money to accumulate wealth and all planning for retirement uh personally I haven't started on any investment as of now but my main goal right now is to save as


much money as I can so I do part time jobs and part time ya mainly I do part time jobs and take up like some online service and stuff to accumulate my wealth first so eventually when the time comes I'm able to invest, in the meanwhile I'm picking up some books to study on stocks and stuff because I'm from the engineering faculty I don't have much knowledge on investment


and for retirement wise I do notice there are some retirement plans but, I haven't pursue them until now because I'm waiting to start my career off and then I will pick them up as time goes by how about you Asha


no because stock market, from what it is stock market and forex I think they require a lot more knowledge and research into it before you actually uh embark into it so it's that's there's always a risk factor to consider so personally I'm I'm not personally I'm not too sure where to begin but eventually as I asked my finance friends and stuff I think eventually I'm going to pick them up


so as for the endowment plan you mentioned I think that's a very good investment strategy to accumulate your wealth as as well as for your children especially because when we have a family commitment and stuff you might get all the other external finances that we


accumulate bills and monthly rentals and stuff that might accumulate one, in our life so we it's always important to have an endowment plan set aside for our kids, so at least then they have a safety net in case as time goes on any any issues we face due with our finances ya


so anything else you want add on should I move on to the next point, okay what strategies would you recommend to someone planning for their big ticket expenditure starting a family buying a car or house personally I think it requires a lot of planning together especially if you are in a family you definitely need to consult your spouse on


such investment because buying a car in singapore et cetera it's really a huge , investment like the debt is gonna be a huge debt and you really to make sure that your monthly salary and together with your spouse and also the other


finance factors of the family are able to accommodate for that debt because it's a monthly forking out about eight hundred to one thousand dollars personally in my family for our car will cost us easily about eight hundred dollars per month and that's for higher down payment too


so all these factors come into play so and starting a family a big investment for sure my approach to before I start a family definitely marriage expenses come is to first of all don't over splurge on your marriage because marriage is a I know it's a one time thing and people like to go all out on it


but I would personally prefer to control my spendings on the message on the marriage and not go too far on it also, as for buying a car my goal in life is to by forty not even before forty because I want to make sure that I have a stable ground a consistent pay as well as able to fund for my family enough


as well for my parents because I'm taking care of them would be another , another factor we have to consider as we grow older so once I tackle all these uh one by one so it requires a lot of planning before you actually embarked on this how about you


ya definitely


correct definitely,


mainly I agree with the leisure part where you mentioned that instead of just focusing on savings you at least spend your money on leisure activities and for like travelling because especially singapore being a fast paced country I think it's very important for everyone take a break once in a while


especially yearly events ya, like good points


branching out from that point let's go to next question how do you spend your money and which expenditure is justified what have you been spending too much on, so I shall start off uh for me how do I spend my money I actually refrain from spending my money quite a lot especially during the COVID pandemic period because


there really was no need to to go outside of my house so there have no expenditure on that way so I managed to save quite a bit of money and due to my part time job I managed to save a lot so how I spent is actually recently I bought the Apple watch and that's mainly because, I evaluated the pros and cons of having it and I it took me about two months to finally decide whether I wanna invest in it or not because


personally for me I would only factor I found is that the fitness factor because as I tend to exercise a lot on a weekly basis at least five to six times a week so I felt that, that would keep me on track and there will be a very good investment for me so personally I would advise people to take their time before at least before purchasing anything especially anything that's gonna cost more that a huge amount like the Apple watch or any any other factors so


ya I would say take your time give it a week or two to decide, before you want to purchase it and if it still bothers you you feel like there is a need to have the item then I would say that it's justified to buy but especially I the one thing I will prevent is impulsive purchase


like buying without actually thinking it through and just spending your money immediately because that might lead to regrets later how about you did you have you bought anything recently or what do you justify as a your expenditure


(mmhmm)


minimal spending on them


so let's move on to next question uh should you DIY or get a financial adviser to plan my finances, uh personally I haven't actually thought of getting a financial advisor in my life but I think it'll definitely be something I look into


when I have a family and if I ever, I've if I ever feel that I'm getting overwhelmed by where my my my money my my monthly income is being spent at soon I think that's when I'll actually consult a financial adviser but other than that I think there's


a lot of information on the internet for me to research and a lot of strategies that, people feel that it actually help them in terms of saving their money and how much they are allowed to spend so there's this, five three two rule I'm not sure if you heard about it where fifty percent of it goes to your monthly bills or your


expenditure for example if you have a car and stuff where you have to pay those monthly mortgages and payments you know that keep reoccuring, for a not sure how many years of your life and then thirty percent will go to your basic needs that you feel like you wanted spend money on


like your clothes or when your food and don't know your expenditure just to enjoy a bit of life and then twenty percent goes to saving so, I think that would be a good approach to start off if you are not gonna consult a financial adviser and definitely uh earlier you mentioned that you have to consult your spouse and stuff before so that you guys on the same page so I think that's another factor you need to consult and financial advisor I'm not sure how much are the costs to


actually get one for yourself so I think people usually consider these factors before actually going for financial adviser, would you


actually since like you mentioned since you are in the financial sector I think you have a leverage over most people generally you know speaking because uh uh personally for me I don't feel like we actually have a module teaching us on how to plan our finance or anything unless you actually pick up the interests and you go and


research about it and stuff like, I never had a a course or module teaching me how to plan my finance you know so it's just out of personal interest we pick these up so ya you have a good uh background knowledge so I think you don't need a financial adviser eventually cause you can manage your own finance


alright uh what advice would you give to someone get getting him out of out of debt, uh these are very uh broad topic so , personally I'm not sure what advice I would give because uh depends on their accumulated interest and stuff right because usually if you are in a debt there's a interest accumulation and stuff so I think there are different ways to tackle it but I'm not too sure about these ways how about you do you know any of these like how how would you advise someone


ah I see


true correct


I think a lot of people get overwhelmed by their debt also that they don't have a backup income and stuff and a lot of a lot of family issues might arise also if you fall into uh too too big of a debt also so you have to consider all these factors when you're actually are gonna ya try to get out of debt


so shall I move to a next question what can you do to earn extra income or to improve your income level uh extra income wise I think there's, a lot of , opportunities to do but uh


ya and some people do tuitions and stuff to, pull through their income level okay


, part three negative experience, , eh negative experience describe a time where you felt like nobody cares about you, nobody cares about me I guess it comes down to when I was young also when I went to a phase in life where


how do I explain uh basically I was bullied and criticized for the way I looked because I developed a condition called gynaecomastia I'm not gonna go in depth into it but it just basically make your appearance look very odd and there was no way to change how you looked


because it's just uh it's just it's just, developed due to age and because of that a lot of people made fun of me and especially I I was very uh insecure of myself I used to slouch a lot because it affects your chest area, so I guess with research about you know more but it just affects your chest area and when you wore any form of a white coloured clothing or anything it look very obvious and people make fun of it because they said it looked more like a woman's one I guess you kind of know what where where this what what condition I'm talking about really so


uh because look like a woman's one it was it was very mild but it will still, affecting affecting me physically and emotionally but when I tried to voice it out to your family back then when you are child people don't take it seriously because it's uh talking about operations and stuff to get rid of it that seemed like a very major factor to everyone and even though my parents were there listening


for me and looking out for me they couldn't understand that, I was going through an emotionally daunting moment back then and like I said a lot of people in school made fun because you'll be more sensitive when you are a, child because you don't really you are not able to empathise with other people easily because to you everything's is about having fun and stuff so as I grew


up people made more fun of me and also my obesity was a factor of it also as to how I develop it so considering all these I felt like nobody cared for me even when I voiced out but also when I consulted the doctor the doctor just, say oh it'll go away as you hit puberty and stuff and


he was like might be your obesity might be a reason so I focus on losing weight and stuff but it still didn't helped much so I guess that's when I felt oh very lonely back and then nobody cared about me how about you


it it's, I think it's common and normal when you're a child because you can't really relate to people's feelings easily and you are just enjoying life basically ya a lot of people go through this and I guess bullying cyber bullying all these are very common these days so ya


ya agree with that


I guess is the time, difference and stuff and also when you're here you have a family that you come back to everyday so I guess has seeing them just the presence itself makes you feel, warmth and welcomed at home so I guess when you are there when you are alone you get that


that four four-faced walls ya you might feel a bit, let's move on talk about the most heartbreaking moments in your life I guess heartbreaking self comes down to personally for me relationship I guess


been in one experienced how uh toxic it can a relationship can possibily can because there was a lot of consistent, fights argument like sometimes some days you just don't understand why you are fighting for but it's just a misunderstanding going on and it never gets resolved you know like the the problem just arises and it continues on to the next day and even if it doesn't get resolved the next day continues and continues and


I guess we'll uh I'm not sure whether it's common I guess, sometimes people develop grudges against one another they hold back I guess that's the, worst in a relationship you hold back the moments where hurtful moment happened highly again so I guess the heartbreaking moment is when the relationship ended for sure because you're so used to having someone around your life even if it's a argument


basis or just you know daily you know someone will greeting you in the mornings and being with you saying good night at night because there were positive and negative moments in a relationship as always, so I guess the heartbreaking moments when suddenly you feel like you don't have that someone around anymore and there's this


void this emptiness you feel, because you are so used to having and my relationship my first relationship was three years, so three years having someone by your side and suddenly not, having that feeling of someone being with you you know I guess it can lead to a lot of questions as to why and makes you feel really lonely and sad I guess that's my personal intake on heartbreaking moment in my life which I experienced and toxicity definitely toxic relationships


it's a big , it's a break alert when you experience them for sure


sorry to hear that


the moving on really holds back cause of the memories and stuff you it's a acceptance phase so you have to take some time to accept the fact, they are no more around you ya agree


alright describe a time when you hurt someone's feelings I guess this happens quite a lot no like cause it's the whole hustle and the, life going on very fast I used to tend to hurt people quite easily when you know sometimes you are just agitated or stressed from daily activity and suddenly just like bombard someone with something when they irritated or no you ya


uh I'm not gonna go in depth into who and what but uh, definitely I've said hurtful things and when you say hurtful things I get, there's the phase where you're angry and then right after that phase comes the regretting phase where you regret what you said because mentally you're reflecting


wait why did I say that !wow!, should I have seen that you know I guess for me that that time when I hurt people's feeling more comes down to more on the reflection phase well actually regreting everything that happen and maybe I should approach things differently maybe I should have been more


polite instead of going being a shutdown and just hitting the hitting them directly you know maybe I should warn them beforehand and stuff so I guess that's my take on when I hurt people's feeling ya not gonna go in depth because it's a bit personal how about you


but I guess everyone have their own limits and tolerance so once you hit a stage I guess you need to learn to say no so, can't always, give in to people and stuff agree, alright next question, describe a time when you felt betrayed uh


betrayed I never had any incident of being betrayed ya so you move on to the next then, uh, describe a time when you felt like giving up I guess, giving up I've been having a lot during the


uni phase because it's really really stressful with the way the modules are and you know as time, week by week you just get overwhelming and you just feel like why am I doing this and in engineering you can get very very the levels can just go from zero to one hundred really quick and you either catch up or you just get left behind and there's no way to merely catch up


cause I'm not sure whether I'm a slow learner but I don't think I'm extremely slow learner but I guess I need my time to actually understand, and actually do the relevant modules in order to do them well but in uni you just don't get that time because of all the quizzes that keep popping up back to back


take the only time you go slow is the first few weeks and immediately it just starts to going fast after recess week so I guess I felt a lot of instances where I wanna, give up but that's when you know my friends and family keep me back like just pull through because you already got hit half way mark already


just pull through do your best I guess that's like one of the best advice people are giving during these times of giving up just try your best, like just set a realistic goal just try to hit that goal even if you don't hit it's okay you tried your best so ya this is the moment I felt a lot of times I want to give up


on, my studies but ya pulling through


ya we are pulling through alright next, one uh what is uh sorry, wait wait wait ah uh, what problems or issues keep you awake at night so personally for me I get stressed from all the works that not done yet like yours uni modules and back in intern I had a very negative experience because the work the projects will just piling up and


there was no clear direction given as to where I should approach and how I should approach because it's it's like suddenly you know I'm a I'm a mechanical engineer I was doing aerospace in poly so during my poly intern I was given a health safety environment project to do and, coming from aerospace you wouldn't really know much background health safety so you have to start all over again research about it and then you have to come up with all the


the relevant ideas and solutions they expect so I guess the stress kept, me awake at night mostly like I was worried oh my god I haven't done this work yet there's still work not finished yet so maybe I should get back so I guess that kept me awake at night more


it's just the stress factor you know piling up and there's there's just no way to transition out of it, ya right, what is the one thing that you will never joke about I guess I won't joke about


person's personal life like I don't want to make fun of their personal life in any way I guess cause they're just like your they're very sensitive topic, and if you were to hit that topic in any way whether you angry or just for for fun


I guess they might take it in a very negative way and it might give them a bad impression on you so so I guess avoiding your whole personal life and just don't don't go there unless there's some, the point of advice or any kind of, positive advice you feel like giving whatever he say if they are close people constructive criticism maybe you know slowly explaining to them making giving them a clear point of view I think that was


better than actually joking about their personal life in any way because they try their level best they've come to a stage where they have achieve what they could so ya didn't do just don't, touch that don't make fun of any form that way


ya willing to respect their boundaries for sure


next question what is the worst nightmare you hope it'll never happen in the earth, worst nightmare wise I would say so supernatural nightmare for sure for me because uh I had a very odd instance where I


small flashes of a supernatural thing like a ghost like when in the middle of the night when my eyes will open so I definitely do not wanna see that in real life because that's quite scary and person ya it was just a , very freaky incident that happened not sure why but not sure when but it just happened in one of the night so I guess that's us


I'm not sure if it's a nightmare or whether it was real but it was just very scary you know that moment ya so you don't want to feel that in real life how about you


(mmhmm), I guess just like our inner fears already sometimes our inner fears might, formulate some stuff


probably is scary, agree like another spectrum already ah balance, ya right


yup I get scared I guess nightmare itself are mainly like, supernatural stuff for, maybe uh most of them are like real so ya that's quite scary


part two positive experience okay I just, okay so let's start off the question what is a hobby actually felt happiest during as a child uh personally for me since young I enjoy exercising I was actually a fat child


and I faced a lot of uh criticism and uh negativity because I was fat but I think it's quite common when you're young because everyone wants you to lose weight before you, hit your teenage eight years so I picked up exercising initially it was dreadful but as time went by I felt like I slowly started to enjoy it more and more because it has uh there's also uh


physical and mental change when you exercise especially when you see the results it doesn't take immediate results but as, time goes by as months go by and you see the slight differences in your body composition and how you look, so you feel better so just like the mentally you feel happy knowing that you are healthier and you're having a different you look different and you're able to fit into your clothes and stuff so mentally your your your mind is happy feeling that way and then


as of physically definitely everyone wants to look good everyone wants to feel good so it has a direct you know, co relation to the mental and physical wellbeing so I personally enjoy doing exercise which I never thought I would actually enjoy as a child but as I grew up I just became more and more active and started eventually going to gyms and stuff how about you what did you enjoy doing as a child


correct, so I guess we can conclude for this question that exercising is leads to positive experience in our life , I guess


ya but I think can at least it's a skill you learn and you pick up you know, so as you go by you can always use it more and and especially once you become a adult with all the work life you need a balance so I guess it gives you a balance to jump back and forth between working and enjoying your life too so it's a good activity and hobby ya what were the best part of your childhood


best part of my childhood maybe was family time because when I was young you know parents tend to be around you and they tend to spend more time with you, and ya like what you said like they push us to try different experiences and you know as a family we'll come together if you have relatives coming together you spend moments and


experiences together you share what's going on and then you you tend to play around with the other your other cousins and nephews so I guess that was the, best part of my life childhood and mainly was the traveling also that follows with it because we tend to make plans and we tend to go


overseas but now not really because of all the school workload and stuff I guess as a child you are more you have more time and, leniency towards enjoying a bit more rather than being focused on the studying factor so ya there was a good balance that time so I guess I that was my best part of my childhood how about you


so you had a good bond with them


I guess ya your kindergarten and primary school is where you make friends even though they don't carry forward but you make a lot of memories with them and it gives you peace of mind back then ya agree with what you said


correct agree, okay moving on what is the best thing that you have done for yourself I think already addressed this point in my hobby and activity question so it's like mainly best thing was exercising and losing that extra weight because uh it makes you feel good and you get to wear the clothes that you always wanted to wear and


you get to go out being more confident ya you I felt more confident and more courageous when you actually approach people and stuff you know especially when you are in teen years we tend to date go for dating and stuff so I guess it gives you a better leverage ya so ya I I truly felt that that was the best thing I did for myself how about you


ah okay, oh I see


pantry, experiences lead to better perspectives ya they widen your perspective how you see the world and instead of being too narrow minded it makes you more open to the possibilities out there okay who are the people you most cherished in your life and why I think the first


thing that comes to mind is definitely family and then moving on you know the future there'll be spouse and stuff but definitely I think the most I cherished my life is my family because they, they give you a roof to stay and even though you can't ask for more they gave you a roof to stay they sponsor the education they take care of you daily and they they try to do as much as they can even if


times get difficult so definitely will I cherish my family more and then followed by my friends because I think friendships are key in keeping ourselves happy and being sane also because you need someone to share some things


which you can't share with your parents you need friends to rely on and friends like what you said earlier I mentioned experiences lead to different perspectives right, so since all of us come from different walks of life I guess they're experienced so when you hear about their experiences your perspective change also you don't necessarily need to be in a spot or or travel or anything in order to see a different perspective as you hear as you take input from your closest friends because


definitely you don't wanna just take input from, strangers because that might be false information or anything but from your friends you know you know they they they wish well for you and they want the best for you so the information that they give to you all these ideas they plant in your head they they give you a better perspective so definitely family and friends come first for me and I think you also would agree with the same right


(mmhmm)


agree the constructive criticism part that one definitely develops you as a person because when a stranger says we get offended by it we might not take it, the way should but when it comes from your own family and friends you know it gives you a idea of how you are as a person and where are the points we need to improve because we are human beings after all we tend to make mistakes so


I agree with that part so let's move on how would your life be like if you a millionaire okay if I was a millionaire I think, it's quite obvious I would not spend too much on getting a big house and stuff definitely a house


where I I I enjoy living in and stuff but mainly I would spend on my travels and like what you said experiencing life because that's what we I I guess, gives you the memories because when you get old and stuff I guess memories stay along, with you and I want to look back at my life and know that I've enjoyed and experienced whatever I possibly could rather than just being stuck in a desk job working my my whole definitely need do hard work if you want to climb the corporate ladder and make it


to a certain stage of life but I I guess if I was a millionaire I would definitely spend more on the experiences and enjoying life how about you


(mmhmm) normal, oh definitely singapore is not enough


correct, but at least you (mmhmm) continue


no you continue continue it's fine I'll continue later


definitely


agree, this is different perspective guy for a finance student and the engineering student what did I say it's it's a good idea I agree with what you say like


wealth appreciation from your own from your assets and stuff I think that's a smart way to deal with if you are millionaire, alright describe the moment when you felt the luckiest uh I haven't strike a lottery or anything so far yet but I guess the lucky wise


I guess just having a a good family you know some people who look out for me and friends who look out for me I guess not I I won't consider I guess the experience I had had so far and being able to afford clear my education without additional loans or anything and


ya I think that that that itself makes me feel lucky, I guess I'm just grateful for how my life has, been so far and being able to ya live live life to the fullest ya but definitely in the future I will try different things how about you


what they can correct


correct ya


I guess being born in singapore is already lucky experience seeing the state of the world and how unsafe, it is I think being here itself is a privilege already, ya let's move on describe a travel experience that left you in awe I haven't travelled much I always wanted to and travel to europe


the only uh furthest I've traveled is new zealand and I think there was like the best experience because of the scenery and the the different way people live their life, because over there everything was so peaceful there was no early morning hassles no no no not there


were not too many people you know crowding around everywhere they will just leading their life having their own way they had enough time for their balance between work and life where people went on long hikes and stuff and the scenery was amazing the weather was amazing, I mean the comparison to singapore definitely our hikes and stuff ya over there is far more beautiful look just looks amazing so


I think that place was just a whole lot of experience I took from and gives you like perspective different different in perspective on how people lives lives on both ends, like back in singapore and back there so ya how about you


rural ya urban life, correct


a different experience what ya


okay


I guess you have to be independent like you said they were away from the city and stuff, that's a pretty good experience something unique and something different eventually I hope one day I get to try that out because I think it gives you a


ya definitely will long way to go


part, one finance


for me also the same thing cause like right now I'm were I'm in uni so if I'm uh, but I do know what I roughly want to do like when it comes to like planning for retirement after I, get a job and if the moment it's stable then I would want to put some money into endowment plan cause


endowment plan is like a savings plan so at after like ten years or something like that you get some money back so , ya so I would like put like a certain amount every every year that is that is required to get some money back so in like ten years I would have some money that I can keep for retirement or like if I have like for uh my children's education or whatever things that I'll need in a few years time


then for accumulating wealth right now I'm just saving whatever I can from my allowance plus my internship ya my internship, salary and stuff like that and so eventually because I am still learning about the stock market and the


forex market so I want to , more mostly I want to like invest in currencies so like and profit of the exchange ya


ya you can move on to the next point, ya


so for you is you would advise the you'll advise the person to reduce their spending on one time, , like something that happened like one time so that they can spend it on something that is more for like long term uses right


ya I I get that , for me what I would tell the person is, like what you said I think planning is important so, , for this kind of big expenditures I don't think it can be like


I I would personally thought a person to plan maybe uh like to a few years ahead, like okay like at what point do they want to get a car and stuff like that so that they are better prepared because, all these things like buying a car buying a house indeed especially in singapore the prices are so high so the down payment is a lot


so I think that you have to have like proper planning in place like maybe set like a like a rough, age but nothing so exact because, you don't know like what's gonna to happen in life whether like, you might get a promotion whether you whether like you will not like your job or something like that so like a rough like plan and then like working towards that and of course like I think you have to sit down with like your wife or your husband and discuss like what other priorities you'll be having in life because


for me personally I feel that yes like you can, not spend so much money on other stuff and like plan on saving but I don't think that you should spend like your whole life like, saving saving saving


and then like like like delay your like enjoyment you should still be able to enjoy a bit, but also reach your goals so I feel the best way to do that is just talking out with your partner making sure both of you are on the same page in terms of expenditure


and from there like work on it like for me , one thing that I think that while I would be spending on still regardless of whether I get a car or house, is at least some like leisure activities like travelling and stuff like that


but things that I can ya and probably like things I can probably compromise on is like buying expensive like bags or like clothes or something like that so, I think that as long as you have like a plan like what to


spend on what not to spend on and if you budget like your allowances and uh sorry not allowance budget like your expenditures and at the same time since you are at us like a more comfortable stage in life I'm gonna assume when


after you get a job you can also try to explore other revenue streams that you can bring in, that can kind of help the situation a, bit more ya


and like ya your life shouldn't all just be about thinking about like some ya savings savings to get these get that then your life will get too mundane and you have nothing to look forward for, so I think there has to be a balance


for me , I like to spend on experiences, so, that's the kind of thing I spend on so I realize that over the years, I tend to spend on


in travelling or like food or you know anything that brings me a new experiences I like to try different things in life so to me as long as I'm learning something or experiencing something new the expenditure is justified


because I don't I don't want to think too much into it because I feel like no experiences is something that you should be gaining throughout your life, and, it's okay to spend a little bit on experiences if


, you are going to keep thinking about it and it's also gonna shape you in life so I'm more experienced than materialistic stuff so I rarely spend like how I justify my expenditures on, , experiences like travelling or like more expensive food is I cut down on like buying clothes or like expensive stuff or I tend to shop at like cheaper places


so that is how I justify my expenditure and, I guess it depends on the person to me I just feel like I don't feel the need to spend money on clothes when I'm sorry not don't spend money on clothes like


spend money spend a lot of money on clothes ya because you're gonna you're gonna change your clothes like every year or every two years or like you know like your body changes with it so why do I want to spend so much money on it when I can spend it on experience and on on like stuff like food and like experiences where


I can look back in time and be like oh I've done that or like at my age I've done this or something like that you know it's like a better use of money for me, so ya


personally for me at this moment like I don't think I will go to a professional financial adviser just because I am learning finance and I'm, blessed enough to be surrounded with a lot of people who have finance knowledge like


my mom and then I know so I like basically know someone who can like kind of, help me with like investments like my friends who are like interested in finance I know like someone in insurance where I can really like rely on so in that sense I don't think I will go to a uh professional


finance adviser or someone that I do not know because I already have people that I do know but at the same time like in the future, cause, like finance it's so broad like you might not sometimes you might want someone to give you some specialised like opinions