ya I didn't I didn't do anything I I just kept quiet, ya, uh it's either with my sis or my mum so ya we just we we we can't do anything so we didn't do anything so we kept quiet, ya recall a scene from a movie that made you too angry to watch


for me one of the movie I've watch it's a taiwanese movie it's can I say ah okay I see the taiwan taiwanese movie uh name in chinese so it's err


from some, a very dark movie so it's about actually talking about uh


a person having a dark side of them so one of the scene is they instead the students are supposed to do voluntary work to take care of old people so instead of taking care of the old people they actually made fun of the old people so it was


quite, hard and then quite hard to watch that few scenes ah cause they, somehow insult the old people and then push them on wheelchair and then do funny things and then make fun of them so it was a bit hard to watch but I did watch it lah so


ya that is one of the I think, ya it did make me angry 'cause how can them although it's a movie but it reflects that actually some people are like that so they actually does not have sympathy so they actually do bad things so


it's a pretty hard movie to watch ah so I was pretty angry with that scene like, how they can how can they uh cheat old people elderly like that, ya, made fun of them and then ya I I cannot I was too angry ya that was one of the scene


for me maybe it's one of the younger days that uh not really younger days lah like mid twenties or, I went to a club and then I saw a girl deadly drunk so the guys was like trying to carry her at the same time uh molest her so I wanted to go forward to help


and then I got stopped by my friends they say, I don't know the girl I'm, I'm not in the right, position to help the girl and then those guys are actually her friends so,


ya I'm not in the right position to do anything so, uh, I am not able to help that girl so I only can, see so ya I feel bad about that lah so I I can't help but ya


but I think she need help lah or or maybe she don't need help I don't know cause she was like so drunk, okay next what is your really greatest fear


I don't know cockroach I don't know I uh maybe ya, okay other than that I I cannot think of any, ya , lizards cockroach ya uh no ya, okay


a series of unfortunate events, describe a time where every things that could possibly go wrong did go wrong


I think everybody will have , a series of unfortunate events it's just that whether we remember or we don't remember, so things like I believe things goes very closely to how we reacts to things so if we reacted badly then things will go wrong and wrong and wrong so


things like that usually, uh ya things like that so so it depend a lot of of emotion and how people react on things lah so things like family emotions how they react


everything that could go wrong could go wrong so, ya I think that was one of the time lah two O one eight, ya, everything that had go wrong had go wrong yup, do you have phobia and how do you overcome them


oh


I I don't have phobia in height uh maybe maybe as a kid you will tend to have a bit you'll be a bit scared lah but I don't have that phobia so uh I quite okay with, height so I like to look down on the very, I I'm okay with height totally okay so I like roller coaster everything like


high level rock climbing so I'm quite, that is not a phobia eh my phobia no I no not really got phobia okay maybe horror movie is it called phobia no it's just a, the okay not phobia uh


uh, cycling cycling was pretty hard for me when my dad teach cycling err teach me cycling when I was young I was not able to pick up till during my poly days then my schoolmate actually teach me then I'm able to pick up so it was a bit hard


ya lor that's not a phobia leh, no so don't have, leh, okay lah cockroach lah cockroach no leh flying cockroach okay flying cockroach I scared, K cockroach still okay flying cockroach


okay I better don't watch that movie lah , !huh! really ah uh okay


this is a warning for me not to watch IT, okay goosebump


myself ah err, the first horror movie that I was scared of was , a japanese movie, the, no no no not the ring the


no leh way before that it was not so popular like dark water, ya, so it's it's talking about a little girl that drop into the tank then the


err ya, so the story is very simple but it's because it's so simple that you only remember a few scenes like I watch it like ten over years ago I still can remember the red bag the yellow raincoat the mum with the daughter the ceiling with the water mark so


okay that's it uh okay next, , ya that that was one of the, bad ones I think wrong


err, maybe it's my sis situation lah like giving not not giving her the attention that she wanted ya that was one of my mistake ah, but I have no choice lah commit to work so


, okay that was of my ya, not giving her the attention that she wanted


and then and then what happen


okay that that's okay lah, that's still okay, so is there a describe a event that made you very angry


, !wah! very angry ah, I think have ah


err for me it will be there's once at home when I was still staying at Jurong so my dad throw away, some of my stuff, ya so, I was pretty pissed with it


ya that that was once, ya cause he never, ya without mentioning he just see and then he just throw, I was really angry [ah]


oh positive experiences


!wow!


uh make me want to feel alive , , more of experience anything and everything that I never try before so we are actually quite adventurous so we're willing to try a lot of different things so travelling is one of it


so ya northern light is one of the bucket list then uh australia new zealand is another bucket list so, err ya there's a lot of things that I'll want to try like at least once in my lifetime like skydiving like uh a lot of things lah so experience everything the culture sceneries


uh food ya it's more on experiencing so, oh, that one that I want to be alive ya that's me so it's more about experience, , then what is the skill or ability that you are secretly proud of having


, eh babe , okay then I start first err skill or ability that you are secretly proud of having maybe


, okay uh I think you know me so uh uh when I just started working I'm like super a super bubbly person so it tone down as I grow older so uh being a very bubbly person I feel that


I influence my colleagues and people around me so they are like more happy so I feel, appreciated I feel happy so that's one of my, secret ability that I can influence people through being happy so


cannot meh can ah


so are you the popular guy


but you appear sometimes you appear to be not non attentive leh, ya lor ya okay


okay lah I know I I know what you have just say already that's good high EQ, when did you blush the most describe the experience, when when you want say or I say first okay


really ah , , okay


okay I understand


got so exaggerated ah , okay, !wah!, ah


okay then then then for me it's not it's not it's not this kind of cases already cause I think to for a girl then uh uh we we don't need to do that so it for us to blush right it must be like in front of very a very big crowd, like in front of the whole


something like maybe you are in secondary school then you're call uh to say something and then very personal and then you know little girl tend to blush a lot, ya, that's the moment that I remember that we I blushed the most lah


like in in front of a very big crowd, ya classmate colleagues and then you need to say something very, personal or the teacher or your, colleagues make fun of you and then not really make fun of you like say something that you get a bit embarrassed but still tolerance okay but ya that that's the moment in front of a big a big crowd for me


ya, next describe your favourite activity to unwind and relax for, me ,


got meh , okay ya lor, eh favourite activity to unwind and relax leh so you only can relax when you go go Bali already


I thought it's about like daily, !huh! okay, [orh] singapore very expensive eh


ya lor then you go JB


!wah! eh then your one, your one is half my one is more easy my one is just, like err, unwind and relax it's like sometimes I just blank I I think, I think, that's like real very guy thing that you just stare in the blank


and then put yourself in like a empty box for awhile then unwind and relax other than that, yoga so uh, listen to music for me it's like very very easily meet I very easily like I go for a jog jog yoga stand uh inside your empty blank box stare


listen to music then I'm done , , just tell lah just tell lah that's a very guy thing right I thought you all always do that


sometimes you need to unwind right, you just tell right, describe a time when you made a comeback then shut everyone up !wah! what's that,


you want say first or I say first, when you , , okay I say first I think of one, okay there's one time when I'm, in err, poly and then


, one of my classmates actually err because I think we were collecting money for the class to do some things ah so uh one of the guys actually just try to joke with me like eh you collect all the money and then you spend it ah then I was like pretty pissed in it cause uh uh it's not


it's against my moral so I was like shout back at him and then everyone get really, stun so ya every then ya, then everybody keep quiet and then don't dare to talk to me, that's one of the moment that uh they scared of me and then the next after five minutes then I okay


do you all want to say about this topic or you want to say about the next one, like the time when you made a comeback and then everybody shut everybody up


what is your best surprise, my best surprise,


I don't know leh what's my best surprise, ,


okay for me err I was pretty lucky so uh I'm in IT so uh I started being a VA before a lot uh before way before the school actually have this course of business uh analytics


uh diploma or even degree so I started way before them so I'm in the industry for quite some time so uh and thanks to the government uh we are going digitalised so uh create more job for me so I'll ya, good for me so I'm quite optimistic


, describe a travel experience that left oh okay you want start first


fake snow


if you like snow I think you should go switzerland, ya, so for me it's switzerland is because err, the scenery it's amazing it's like it's


you you the any photo that you take right it looks like a drawing, like very unrealistic but it's it exists like the scenery exists and then uh it, northern always snow lah so no matter which season you go it usually it snow 'cause it's too high


so it's a very nice place if you love the snow, you should go switzerland


, it's like the house beside the house is the mountain very amazing sceneries, so next what was your biggest reward you had ever received after doing a awesome good deed


for me ah maybe, , maybe I just help someone else with crossing the road or anything simple but, err I receive a very uh biggest reward was when I was having a very very bad cough uh not not not recently it's like back a few years time when there's no COVID lah so uh I have a very bad cough so I was coughing uh in the MRT


and then the auntie I think is opposite me ah actually uh came forward, uh and offer me some sweet, so it was very warming so I was like !wow! I get very touched with, people who have very good heart and good deeds


financial related topic


okay so the first one would be uh what's one financial advice that would that, you would give to the you five years ago so for me would be actually to tell myself to


uh explore and like take a look at those financial trading platforms yeah but back back then uh I I had the impression that, when you want to invest in stocks you have to have the capital so you have to buy the whole stock


uh unit like one unit of the whole stock which is err quite a substantial amount but like recent years I found out that I found out that actually on on some trading platforms you don't have to actually buy the err


the whole stock, uh I mean to hold one one share of the whole stock, uh you can actually buy a fractional amount of the stock so, uh ya and to tell myself to actually , err


make make make these investments and don't be afraid of of failing ya so, uh, that's all for my my my my end


the next question is should I DIY or get a financial advisor to plan my finances so for this question I think, I would do, I would do both


because but after uh okay I would do both but after, uh I I talk to the financial advisor, I would I would try to do I would try to DIY


the rest of my investments okay so the reason being is that if you engage the financial advisor to plan finances so they will recommend probably like err investment fund, or or insurance related


products err, and actually that, you what what you're actually paying is not only just the product you're also paying their their fees so in that sense err


err, I mean you're you're helping them to earn lah but in that sense you are also actually uh part of your finances part of your investments actually will actually go, uh will become part of their fees so that might not be uh a good thing in the long run ah uh but because DIY wise uh you need to read up need to research and then that's why uh related to the first


part of the question which is uh invest early, uh make the mistakes that you are supposed to make and then uh learn from them and then uh eventually you you would know how to invest uh much uh wisely and and how not to lose money like when you're playing with stocks and stuff like that


so , but of course uh insurance wise you you you can get advice from them and get a plan from them lah, to, actually cover yourself health wise but if we talking about


like investment finances wise ya I think it would be ideal to actually DIY lah so I'm leaning more towards a DIY approach ya


ya I mean uh for this topic wise also you you actually really depends on whether you have the time to like research and DIY ya if you are like you,


or maybe if you're not, so into these financial stuff then maybe getting a financial advisor to actually plan it out for you would be a better idea in that case lah


okay


okay for myself I think the recent years err, err maybe around sixty to seventy percent of my income is actually , uh allocated to expenses uh maybe


twenty percent to saving and ten percent to, insurance think the err reason being is uh recent years I have been actually doing additional studies so I had to pay off my uh student loan for the uh degree programmes


as well as I also do take up like professional uh course certificates related to my uh job wise ya because , ya so mainly these are like


uh personal enhancement I I which I think is necessary for myself, ya and then also expenses food, uh gone into the car that I own uh because due to previous job nature I had to travel around singapore and also my office is in Tuas so which require me to actually uh invest in a transport


to, to to to ferry myself to the workplace ah and then also, err, of course I have to give uh allowances to my parents


ya ya so I'm ya and then also I have to, err, okay so this is additional I actually paid, uh for my gym but I paid a lifetime membership for my gym and


err I paid for, ya and I paid for a training uh, training package ya with a gym instructor ya so


ya so I think, ya so these these are the amounts that actually went into like sixty seventy percent lah expenses ah uh but currently


ya so currently I already paid off like my gym my student loan so the only outstanding loan that I'm currently holding is actually my car loan ah which I actually was planning to actually sell away the car before I actually


quit my job and go for a, career uh career switch ah career switch but uh COVID nineteen actually came in and disrupted this plan ah so if I were to sell my car now uh will probably lose about ten K ya


but if I don't sell my car I will to pay like around, maybe one point five K a month, so one K is the car loan err and then the rest of expenses will be the uh car insurance as well as the road tax ah if you divide by month so is about one point five K a month


ya, which is actually not cheap lor ya, so for myself is I, okay what you can do to earn extra income err I taking up a part time job


so I'm actually working as a fire safety manager for building, so what I do is I will go every month to inspect, the building and, err ya and then they pay me a monthly fee to do that lah and then improve your income level wise uh is like what I I did which is to upgrade yourself uh your education


and then , ya invest do some investment in the stock market


okay , , do you have the habit of saving how do you ensure you meet your saving goals, okay so one of the reason why I actually bought a savings plan like maybe seven years ago is actually to force myself to save


so in a way by buying a savings plan from one of the insurance uh companies will actually force me to put in a monthly amount ya into into that err ya so that that that is one way


and then the other way is what I'm trying to do now is err actually reduce overall my my debt level, so like I mentioned earlier the only debt I have now is the car ya, and


and when I start my, uh new job, ya then I will, put, much , maybe fifty percent of it into saving ya


so that's my end


okay for me uh spending money is probably in singapore will be to eat , leisure I uh leisure activities would be maybe KTV movies


err ya, err ya so these are like the the normal daily uh spending uh stuff ah then which expenditure is justified so for me is uh


definitely, uh in a year should we should travel lah, cause like if you see now the COVID situation, uh now it's like so hard to travel already so if you didn't travel like the past few years and then now you want to start travel then is like oh shit too late already ya we don't know when when the COVID situation will end you know so I think travelling is justified lah as long as you spend within your means


and uh what have you been spending too much on so I may think I mentioned earlier on the only thing that I spend too much on would be probably the gym lah, ya uh, ya 'cause I let the sales guy psycho me to buy the lifetime membership so


ya lor err probably break even in another two three years' time but it's already paid off lah so provided they don't close down err I'll probably get my returns so called my returns in three years' time


ya , expensive , okay


I would recommend to start early lor but then again it really depends on like, what house you want to buy what car do you want to own so it it it really depends on the amount that they are targeting


(um) for it


negative experiences so what frustrates you


okay for me , very few people can frustrate me lah but maybe


oh oh ya ya ya okay so I think like people that uh same as you so people that don't want to listen or people who, who, err, just against you lah, like although I I'm trying to carry out my job based on my my my professional uh ethics but the person just want to come and uh disrupt you and


err ya, ya just mean people that are just against you and not like and not not not like based on your job like ya just against you lah


witness or experience uh experience also can lah err, for me I think when I was younger err I was on the late night bus


err there're there were actually few people on the bus ride lah but it was quite a late night bus about eleven PM or twelve PM ya I can't remember at night, so err


half of the journey was actually okay but at the end of the journey when I was about to reach home uh there was this indian man, uh he was actually a bit drunk a little drunk so he I think he saw me sitting quietly by myself and then he actually came and approach me and then he


at first err, he say something like oh you you look nice ah uh you the the the shirt you're wearing looks nice ah, uh yes it's a indian uncle ya, so I thought he was try trying just trying to be friendly and then try to uh make conversation but then uh later on he he like end up he like asking me uh whether uh whether I like guys and then whether I want to have sex with him


, I think I was err no, nineteen twenty at that time


uh army ah I don't know I forgot somewhere around there ya,


okay, do you have that for me is I don't have eh


, so that made you angry


okay


describe the time when you were unable to help someone in need, uh for me is probably like watching my grandmother die uh in hospital so at that time err ya grandmother was quite sick and then uh send to hospital then they just ask us to


go up to see her lah and then to talk to her lah so you know, ya she's already lying there and then uh, uh they uh they uh the relatives ask you go and there then uh tell


tell you to to talk to her and I don't know I don't know what what they expect us to do lah so when you see the person lying on the bed on one hand she's like breathing quite heavily and then you don't know whether maybe is it better that she go and not suffer like this


, then on the other hand is like they ask ask you to, talk to her right what what what what can you talk to her about uh do you want her to I don't know, uh to recover or do you want her to


to go or or or or, or are you supposed to say your goodbye so ya that that that is one moment in time like you really don't know what is the right thing to do, ya that's that's that that's for me


okay, uh what's your greatest fear so do you have any greatest fear for me is I can't think of ah


so you you you can choose not to answer these ah but if you have you can say ah what's your greatest fear,


okay okay, uh


do you have any


I think you mentioned before that uh you had a change in job, and then at that time err your sister was causing problem with the family


ah, for me I used to have a phobia of heights so, ya when I was younger we did the err I think when secondary school they ask us to do the adventure park thingy ah so one of the one of the obstacles was like the uh high


high what ah high, ah correct high element, so high element then there's one where you need to walk across this uh wooden bridge err so there are no err you you can't hold onto anything


uh at the side and then it's basically just walk across the wooden planks of uh wood and then in between the wooden planks it's just there there is a gap ah there there are some gaps so I remember, when walking I got stuck because my legs were like shaking very very badly


so ya and then I think I couldn't I couldn't complete the obstacle due to my legs shaking very badly, and then I was I was just stuck there or or or I fell I don't know I forgot but eventually I managed to overcome it so I think I did high elements with you before and then uh I did rock climbing


err with some friends, and then err part of my previous job was to actually go onto cranes err so overhead cranes which are quite high


if you'll see before the the PSA type of cranes, err I've been on top of those before as well, so , ya so there are there are some things that you can do to actually uh calm yourself down uh for instance uh not to focus looking downwards uh you should look straight instead so that will actually help help


to uh to overcome the height phobia lah so this this these are one of the things that I learnt ya


so your phobia is actually just cockroach and lizard lah


okay okay that's not phobia lah phobia is something that you are very afraid you're scared of ya okay okay it's okay


okay so describe something you watch or read that give you goosebumps so I think I told you before one of the scariest movies I watch so far was


IT two yes so something about the damn clown is like really damn freaky and then the way the director film the movie uh like after watching the movie I was like the clown was still stuck in my head somehow and then


, ya and then like err I couldn't sleep for, after watching the movie I couldn't sleep I couldn't fall asleep for like two three hours lor ya it was that it was that scary ya


, definitely not for you lah it's like if if even I can get scared until that level I think for you better don't watch


yourself


ju on, oh


okay uh describe a time where you feel that you have committed something gravely wrong and there's no way you can get back up and start over, you have anything


okay I think for me is when I was younger uh after o levels , I


okay after o o levels was done then I was like very focus on just relaxing myself so I like uh play a lot of games and then I totally forgot about like there's a deadline to submit, err for the school ya so uh


ya and and and my results were good enough to go to JC lah so uh that time that time I forgot to submit then I thought it was like oh shit uh that's it uh I, can't even go JC or can't even go poly because I never I I I didn't I didn't meet the deadline to submit then err but luckily uh they had people


who who who say oh it's okay you you do uh I think I called and then they say okay you do these steps to submit lah so eventually uh I still managed to make it in time lah


although even though I miss the the the official deadline lah ya, ya, let's have


do you have that, think there were only the last time, the recent last time was err like I mentioned earlier like the colleague just, uh just against you lah uh just against me lah so it's like and it's not because of work it's like he just he just pissed off of you and then he try to make things difficult for you at work uh so it's like more personal rather than than work work related


so I think that actually uh pissed me off very much ah, ya


for throwing your stuff


positive experiences, so what makes you want to be alive


I think for me is err, there are a lot of things that I would still would like to experience so I think mainly is more towards like


uh travelling so I think uh <P2>Soo Ting</P2> and I like to travel so while travelling of course we get to experience different kinds of experiences so like the country uh their culture, and new experiences like


think back in (ppc), sorry (ppc) back in, february I travelled to korea and that was actually the first time I actually saw snow so ya that is like a one


my first time lah so of course I I'm I'm hoping to experience more, uh more snow in the future, if if there's a chance, and then another thing we're looking forward to is of course to see the northern lights so this is


one of my uh one one of my bucket list as well ya ya so you know okay how about yourself


okay (ppc), I don't know for this question I I don't really uh


I'm quite a humble person ah so really really really I I I don't


oh like that also can ah okay lor then I might as well say that uh, I think, I will anyone that meet me they will feel actually very comfortable meeting me and uh


because I think I I have a I have a very high EQ lah so things that make people uncomfortable I know how to make them comfortable ah, ya so ya so


if I want to maybe most of the people that meet me can easily (ppc) become my friends ah ya, ya, actually I'm not really the popular guy (ppc) I am I'm mostly low key (ppc)


, I I prefer to be low key lah so err, non attentive, non attentive and low key like different ah


err at that time ya ya ya, err


you know guy confess to a girl you like, that he like is like, ya very limited lah I mean unless the guy has a lot of girlfriends lah but it's like one of the rare few moments in his life ah and then at


ya then at that time err of course like the night before cannot sleep well because have to keep rehearsing like what you want to say and then err, then at the moment itself your heart rate will actually go quite


uh high and then like, err and then when I confess is like , I


no really really and then when I confess it's like I I have to make sure that oh I I I I mention this lah mention that lah mention all the points that I I I previously said before ya


[orh] this is I think easy for me lah for me is like got a lot lor so I like to uh lie at the beach uh enjoy the the sea breeze err, uh not in singapore ah singapore too hot lah maybe I'll uh maybe next time when if we go Bali I'll try to do that


no what wait no I I I still have I still have so another one is probably, go for massage session so


massage in singapore is a bit expensive lah but if you can go JB and massage will be cheaper lah , ya so massage is also one way to actually help me to relax


err another activity is I think I mentioned earlier err play games but play games is mainly just to take my mind off like whatever stress or what err and just to ya enjoy the game


ya, uh but of course I I I have to be winning lah if I'm losing then is like not not enjoyable also ya have to play and win ya


eh wait so you're saying you can empty your mind, and relax, I I I'm quite surprised leh I thought girl always like every second think of something one, okay


uh eh sorry moderator I think my screen, uh, my handphone screen activated at ten minute leh I forgot to tap then now it's stuck at ten minute, yes


oh ya computer recording at fifty three minute, okay submitted okay okay sure


oh I think this one I told you before lor so err one of it is actually my boss actually he wanted to demote me uh we had a one to one chat lah then


he he was saying that uh I didn't perform well ah then want to demote me ah then err but he gave me a choice lah so he say that uh you want to show, uh you want to show me some results or you want to choose so at that time I'm a regional manager so he say err you can just be in charge of singapore malaysia and receive the same salary lah so he he say he say like very nice way lah


but then uh ya I wanted to prove him wrong lah so I I told him err you, give me six months and I'll show you lah so which I did and then uh everything went well, yeah but uh at that time err


ya he's one of the factor that I feel that maybe this company I mean he he he don't really appreciate me, so ya then I decided to uh after I I I prove him wrong then I decided to quit lah, ya


so, ya so this is ya


you want to say first I don't know, then uh next question lor uh despite the ongoing global uncertainty what makes you optimistic about the future so for me is


err, although COVID nineteen is, uh wrecking the world in terms of , uh making people unable to do their normal activities uh destroying like the travel industry and I think it's going to cause a recession lah so like a lot of people are losing their jobs what I fear is


, okay number one the this the this COVID nineteen is not, not as deadly as maybe SARS so if uh if like for the younger people most younger people uh who get the who get infected by COVID nineteen they actually are able to recover


and and, so call I mean recover well enough to to uh to do their normal functions ah, and then hopefully there will be someone that actually comes up with a uh vaccine so I think the whole world is actually racing to try to find a vaccine or to try to find a cure for this uh COVID nineteen


and then , job wise I believe government they are encouraging us to go digital so, ya I believe there will be more digital jobs in the in the in the near future lah so uh hopefully government is able create uh new jobs and then of course


for people who are not uh who do not have these digital skills uh they should actually uh go through some training now to actually so that when uh economy picks up they are able to uh perform in these roles ah so this is what I believe in


okay so I mentioned earlier uh was in korea in uh in february and then, the first time I saw snow ya so the as in


okay I went to okay first I went to the ski resort lah so ski resort the snow is like just on the ground and then is like hard, uh and it's not the kind of falling snow lor so err, which is really normal lah because I've been to snow city before and I seen the snow there is like ya ya the fake snow uh but then on like the second last day


err I actually saw snow fall from the sky so is a very different kind of snow so this snow is like very light and fluffy type, ya lah the light and fluffy type that you could uh when you try to grab it it becomes like thin air or water lor ya


so so ya this this is the the travel experience that, that that okay sure


ya I I saw a video on Facebook uh showing switzerland uh I believe it's a very nice place oh yeah it's you like you can drink coffee and then maybe near you is like the mountain you can see the mountain already ya something like that


ya, ya ya


for me is just a big thank you from the heart from the person ya, uh I think that that is enough for me lah


okay so I think you are describing the experience when your faith in mankind was renewed lah


okay, for me is I think when I was younger err I think I didn't have uh the cashcard, uh didn't have enough money then I was digging I was digging for coins and then I couldn't find coins as well then just a random stranger actually just uh passed me some coins to use so I was quite I was quite stunned ah


and quite , quite happy at the same time eh actually someone uh just help a random stranger such as me ya, no more time already


financial related topic, ah do you have


personal insurances, yeah, yup


so sally will talk first, no now this one uh we we will just yeah this one is each lah each of us


so yeah I have personal insurance I have with AIA and uh what you call that GE, (mmhmm), so I do have like ILP medical hospitalisation et cetera saving all this


do you have an endowment plan no I don't, because I don't find it very lucrative, ya ya, of course


if so share the details and your experience I think property it was I got HDB so it was easy because at HDB they will ask you to buy from ethical, and travel oh


travel insurance ya ya is a must, yes yes and helper also a must


I think depends on the type of insurance, I'm buying oh so if it savings of course the best returns, thereafter, do you see insurance as an essential expenditure yes


ya, savings [loh] for retirement, medical ya


, then maybe about twenty twenty percent, ya


low income ah , ah, ya so if low income so it won't be a lot,


ya multiple actually I prefer just one but for different purpose I will look at the other insurers


yeah, friend right


ya for the agent I also go to my friend that I can, correct , ya I see I will just look for my friend then just go and irritate him


what questions would you ask your insurance situation, oh, some is like the term term is like buy for a while then after that then get back the money already


mixture I also go home, term life insurance


I think term [bah] because last time when I was young my dad buy whole life, then until now is the value is very low, I got it since I was six years old, yeah yeah


don't have right, (mmhmm), yeah I have yeah I have


as long as can get the returns ya that's why I I I have that , yeah, so returns yup


(mmhmm) nope, DPS very little leh


yeah, madie all these shield life ElderShield is, good lah I I only know I it's good if you are okay with like uh public hospitals at certain ward levels


if you want something more private than is definitely not enough, at least you have some some yeah


do you think that not, I think I will do both yeah I'll do both also because, agent of course they will sell their company's product only mah but I want to see what other


companies have, ya like a friend right ya who is a FP, yeah and I like them to help me draw out the things that I already have ya (mmhmm)


sorry, ya I see uh I will ask them to draw out all the portfolios then see what I have how much I have then I like to see how much I have at certain age like, sixty years old, how much I can get back things like that [loh]


, let's see do uh did we missed anything oh okay


ya the words ah


I will buy more lor I think


, , ya lah eh but must save more I will save more, yeah, then I wasted ah I should ya I remember my friend say buy this five pay five years then get another five years covered


free then that one I regret not buying that, maybe I will just buy that, ya now can just enjoy , (mmhmm)


ya I think we should get lah, ya I will do both, ya, , yes money bankrupt ya


I will I will pay bills first then save, then every month, ya, see how much I can spend, ya correct


yeah, (mmhmm), ya


(uh huh) , oh my, no more things oh sell things online


yeah for for me is I I sell things online lah then yeah, !wow! sell some stuff, ya (uh huh), so can have some extra cash


then ya, uh starting only yeah only started few years back lah not not so soon lah I feel


because, ya, ya little rich woman so


then that's why I have another account lor just put in money don't see


okay ya ya ya


actually, Grab lor I Grab too much, , how do you spend your money uh, !huh! like that lor see thing ya


sees thing ah, , yes, yeah, yeah


eh justified actually expenditure is all , ya all on necessities mah hor judging from that ya correct then we spend more ,


okay gosh, oh don't plan just do it that's how what I did , , when I saw the house I want I just go ballot then when I got


the the the house I was like !wow! but of course before that I work hard for it , no then I because working already mah so CPF got money, so okay lah the house then the car #bo pian# because us no strategy


strategy lah just do it and you will make it happen , , #en nah# must save save save lah, ya lah ya lah of course this this happen then don't think too much just buy if it said HDB


#Nie Nie Nie Nie Nie#, Grab is so ya correct, yep


house now must save lah, the first house if you are getting a HDB is fine if you're looking to upgrade or to change then of course that one need some planning oh need some planning and uh yeah, ya ya correct ya


, before that I'm a free bird I spend whatever I want I buy whatever stuff I want after marriage of course is different lah because now you have your own house and everything then


the house come first lor the the whatever necessities in to keep the house going, so now the spending is on a different thing lah, let me see ya before that is all on myself me myself and roseanne and now is like


for the betterment, have, savings oh ours is savings then he eat ya he take care ya he take care or somethings then I take care of like the small little item he take care of the bigger items ah


so that's for for us lah, I think during COVID it was the happiest moment because everything close


I only spend on groceries and food, ah ya true ah but but we do more informed choices mah purchases also more informed, cheaper


oh yeah yeah I order a lot of Grab food , now, now I feel uh, maybe less


not much eh because now we are back to normal life I mean slightly normal, so I'm still eating the, oh okay in terms of food rice right because we don't I don't do Grab food or I cook lesser so, I eat out most of the time is actually kind of cheaper than when I uh Grab


or when I cook because when yeah when I cook I cook I need a lot of ingredients and all that food is more troublesome ya, ya, oh ya ya true true


ya


yeah, fire, oh how I wish that yeah


have many passive income lor, ya lah true that one is is of course very important and you need passive income that one is to finance your other all the wants


yeah yup yup yup yup yup


, yup correct correct


buy TOTO lor, buy TOTO, , share lah uh share so,


ya like LLP all this always got dividend yeah,


it's very subjective eh because depends on how the person got the debt and all that like for us when we got the house we got this VENMO loan, that one is also a debt mah then we just focused on finishing that early


then instead of we took three years we finished in two years because we pay more than, ya so , that kind lah we try to, ya because is a burden


finished it yeah finish earlier yeah, ya if got rewards and points and rebate cashback lah I like cashback a lot


, ya ya (mmhmm)


have lots of passive income I'm someone who believe in passive income is possible, ya (mmhmm) yeah


no extra income mah like got all the share dividend ah whatever all this, money yeah ah well this one is uh work is a primary, twenty years yeah


gosh , , ya lah ya lah ya lah true


is a must [ah] is a must ya is a must okay


, , , when the, when the coffee tastes bitter


, and the coffee taste bitter , what frustrates me ah, a lot of things also my headache oh


like I got this tension headache everytime I feel very hot even now, so is really frustrating because I can't think, yeah I thinking I'm water


, true, yeah, ya like they ask you things


, En [loh]


can't recall any


!wah! how come eh you don't like the show, !wah!


is it the insidious , is crazy


no leh normally I will just !aiya! watch lor since I already paid money oh or what


lend people money can consider like, ya, but I don't know whether is it in need or not lah ya,


I don't wish ya correct lor, ya {lor] that's why ah


#bo lui# oh I mean no money oh


okay yeah, this is also yeah, fortunate events


oh like my dog broke from her leash that that time is a very crazy thing, like we are I was so worried that my dog will just one day broke from the leash and all that and yeah it happened so it took us one month to find her back and it was a crazy one month for us during that yeah


yeah, do you have phobias ah !wah!, yes my


my phobias are of like, insects, yeah ah , just leave it right ya last


time I I used to like roller coasters but don't know as age grows I'm like, ha nope nope, I can't do it now, panic after that


{oh} those ghost storybooks oh for me instead lah, when I yeah when I was younger I, ah, when I was younger I like to read ghost storybooks but I don't I cannot watch the movie, then I enjoy the thrill


, ya I also don't have because


usually I'm quite Kiasi,


oh, when customers refused to pay money lor, after service rendered, ya


, yeah, cockroaches oh cockroaches


yeah (mmhmm)


global warming ah , I I really feel global warming is very scary now


yeah, yeah


I think we cannot find because human needs to have activities and with activities that's it yeah, yeah


but a bit difficult lah because he grew up doing that yeah, ya, yeah


yeah correct same here


for me is very not very, I don't recall that because usually, oh


ya maybe they don't understand lah, move out , okay


ya,


have you gone through any loss yes, yes my my father when my father pass away that one was devastating because I never thought that, how life would be without the parents


is not very uh positive feeling lah so is took me very long to, to, compose myself then ya,


a lot lah, yeah and uh work lor work ya, my industry is generally pretty stressful also ya that's very stressful thing


, traumatic got mine was like the first car accident I ever Kena


ya ya once lah scary, so in the end uh claim the opposites insurance because it's the fault mah so, ya bigger than me


really cannot laugh sorry about that


not the E break oh, oh man, !oho! ah


oh man that's the thing you see that's why work is the most stressful, part pretty new then oh my gosh


ha, so you were lucky then actually, oh, after that I got


no after that I was a bit scared to drive but I still have to drive so no choice, no I think


came out !wah!, so the impact could have been quite quite strong, (mmhmm), (mmhmm)


luckily no total loss lah ya, oh


yeah, for me isn't, not enough lah , uh uh, there is an african proverb that see ghost the child who is not embraced by the village will burn it down to feel the warmth has there been a time in your life that you come closest to starting a fire discuss


!wah! this is a, like what you doing revenge, this is like a a child that not favored then he will like how should I say <mandarin>报仇:bao chou</mandarin> ah


ya, that's why oh, no leh


, there're in life there are many times like that lah especially uh when we go out to get customers you thought that this customer will support you in the end then never


never, I think this is, ya correct, ya I also don't feel any , ya


yes, , yup


oh, that was like ten years ago when my mum have stroke


when I found her fall flat under the block, then, the only thing I can do is to call ambulance I cannot do anything she cannot talk she cannot move she was yeah it was really scary so yeah


no eh, ya, same lah is I think is a same thing that most people will worry about


yeah, (mmhmm), it's quite a time when it feel


yeah yeah that's right,


yeah, going back in time yes,


, there was I think in during the secondary school, time lah that mean the teen teenage, going up phase lah I guess I think is just a part


part, I thought of going lah after that I don't really bother whether people care about me or not, , we just move on lor then uh, yeah


correct lor because no matter what still got the parents lah whoever lah then, it's just that whether is the people that we want to care about us care about us or not yeah


ya you will want the person correct never ya that's the thing other than that, I don't really feel that, , yeah that's right


maybe we are too positive I don't really feel that


ya that's why lor I I can't really resonate to this, actually I only know nice people I think I only know nice people


ya


I won't say and I don't think, I think people don't really say hurtful words to hurt me but if they want to do it for the betterment of myself I think that is for my own good mah so, ya yeah but


but it's not what they mean [lah] (mm), (mm), okay then we have to put it stop


okay, positive experiences


no choice eh because given this life already then if don't be alive then, ah wasted mah hor, yeah , (mmhmm)


!oho!, my patience , , they said what ability okay lah I would say patience


oh , , , and also starting new thing yeah and you are good at doing all the new things yeah


when did you, GD lah for you I know , , !oops! okay no is okay,


!oops! yeah is so happy right, !wah! mine is watch hong-kong drama and sleep oh


ya for me is the hong-kong and the you know china dramas, now all the people I don't know I've seen my mother watching some I'm not sure what's that


yeah, yeah, anything that you have done to make people shut up


ya I can't think of anything now lah about this pretty chill leh, like uh maybe we fell somewhere in life then after that,


oh ya ya ya ya ya six months lah six months I would say , then we !woohoo! , , ya ya ya correct correct, !wah! I think that one is


for me is getting my flat because that time is we just try we never even think of, we will get because this is a hot zone, then, ya so managed to get is like !wow!


yeah, the, no lah like or for for you is that for me is like what what we what we are doing now that one make me quite optimist


lah , like I suddenly have like ya suddenly feel like life is quite, !huh!, Zhi three months


ha cannot leh three months like this we must we must we are not like this three months okay okay, ,


wait describe uh describe a travel experience that left you in awe, !wah!, for me was a negative one in korea !wah! that one was, bad


yeah, how it, no lah really also I'm was in awe to have this kind of hotel staff that I've met so, ya the hotel staff was like trying all out to , how to say make some quick bucks just from like uh


yeah I getting the cab lah ya, yeah I didn't know leh so missed my flight because of that all all the hoo-hah yeah, their way , yeah you got very good travel experiences you should share a bit


oh yeah , eat with him, , also ha you also Kena


is unexpected hor


think of anything like this, ya we just do then, yeah probably


this is pretty let me see


oh yeah like oh because I seen rescuers rescuing dogs then they're paying for all these strays vet fees so, like my friends yeah they all out they they they are independent rescuer so they just go all out to rescue of these stray dogs then the vet fees are a few thousand each time because there are many dogs out there so


and they really just come out from their own pocket and, ya lah when they cannot then they appeal to shelters for help, so most of the time I think they are !wah! really awesome, oh ya nice good people yeah


strike TOTO lor , , but strike only like few hundred bucks lah


, then the games be able to strike is good already , , small ya windfall


quitting oh quitting my job oh, , , quitting my job without a job mine was, uh no lah that one no quitting, quitting my job my last job ya


graduate ah


no is an asset, oh ya ya ya that one would be really really nice to have, still paying ha


(mmhmm)


actually many things ah like even this current GE also amazed me the things that the people's, said !hey! all the political parties whatever they talk about sometimes it really mind blowing how they can read to how they can actually brainwash people by reading


by bidding tax like in between and not a painting the whole picture to the everyone yeah it always amazes me how they can twist and turn words, yeah, that's all


yeah and why slim people always say that they are fat also amazed, me ,


yeah


no lah because your standard a bit higher , yes you can


procedure in what, I don't know, persevere in what I don't know, ya


now okay lah I still because my mom ah is living with me so that one very important I must take care of her until she, you know yeah move on lah that one is very important


, ya


ya actually, ya I am also working towards uh no no liabilities or lower liabilities lah, it's very tiring yeah it's very tiring to go through there


great great yep okay, , in the post COVID world


thankful, yep yep I yes the front those working in the A&E yeah


yeah I think actually although the government may have some hiccups but I think they are they are pretty good to us in this aspect uh, ha


life is a joke sometimes so, I can't think of any


, ah


, really ah oh my gosh


mine will be with my #lao bei# my dad and my mum lor, ya I miss the time when we were still I mean when I was still young when they are still around,


maybe you have too much thing in life but blank part right, for me is during my period my my poly period I cannot remember I can't remember that


ya secondary also bit faint lah faint memory yeah


that's why travel lah, yeah travel I think the whole world is waiting for that, that's why lor


this the longest eh this was madness eh , yeah take leave waiting to travel yes yeah


that was fast , talk about the time when you experience person personal growth


ya as you grow up your mindset changed yeah I think after you hit thirty years old your your mindset change


I mean for me lah once I hit thirty my mindset even change even more more chill and yeah, let me see, ya lor ya lor


describe in times of me, oh help by someone


yeah ask the ask the, ask people ask the right people correct ask the right people


call back lor , oh the Popiah I cooked I think was yum yeah next time I cook for you


, ha, make me want to try eh


!oho! yeah


yep, yeah I think is that, I think many times eh this one for you many times oh every-time


it's not just a time is many times, ha


madness of all the same artist right !yay! no ah different right, different artist right, !wah! but and it's all over the world right not just in singapore right same ah


, , what tour , that one is already very very seem very sad already, oh my gosh


let's see, describe a time


, , many times lah but I can't remember leh, ya lor, describe a time


, wist ah , , is it investment risk ah


is it in, Choi no lah got other type, oh ya , I think three months later will be a very positive


ya actually that one ya this one is a very good uh good start lah I guess the risk that we took, it's not too bad


in three months october okay which is not too far away, so that time is okay [loh] now is july so we need to yeah, is fast eh payment is fast


(ppo), alright (mm), stop and submit okay


financial related topic


so we are supposed to talk according to this, share your knowledge about, financial banking okay, make the screen bigger, uh do you have personal insurance


insurance Suzan I to ask you question isn't do you have personal insurance


do you get insurance when you buy, car get a property travel oversea have children engaged in helper


oversea always ah hor we always get, we will get travel insurance when we go oversea buy a car also a must ah oh


what do you look out when you buy insurance, do you see insurance as an ya of course insurance not important but


what kind of insurance are essential for people of, my age ya I think so what, percentage of income do you spend on each


insurance got money then buy ah twenty percent !wah! that's a lot ah I think I only spend !huh! of your income eh I think I spend maybe ten percent ya


do you get insurance from a single insurance provider, oh why, do you pick and choose, insurance product from multiple company, multiple [bah] I guess, ya one is not the same company has everything


what do you look out for an insurance in, agent what question will you asked your insurance agent like adapting at insurance policy for me ah for me I just go to my friend lah when I oh friend all friend


sure got some in insurance one mah, ha what you said I cannot hear you ya me too uh is it by term and it left the rest do you make insurance an investment or do you keep them apart mixture [bah]


some is good lah cheap and long coverage, cover you high enough come insurance or whole life, which do you think is better for you, what


term no use one lah !aiya! it depends one lah this one this is how you plan your, financial whole life you get, surrender value term insurance you are just throwing down the drain, ya do you have ILP oh I have do you have


what are your thoughts on including ILP in your, insurance portfolio not bad I guess , ya I think not too bad ah because it give you coverage, and also returns on whatever money you have put in


do you think CPF insurance coverage, ya lah it's not enough one lah CPS, coverage is the ya is


more like a main at least, this is this is like , better than nothing lah I think coverage if you don't want to spend the money and then you, yeah correct, would you approach an agent or DIY when it


comes to insurance that in, I'll approach agent lah, !wah! you don't really go to like a insurance agent I go through a finance


financial planner ya so they cover everything not just selling insurance okay so what we still do now ah ah ya what you say what you saying oh


for me usually I will tell I know what I want one lah, ah then I just go to my planner, eh I want to buy something then you, will tell me which one is good, are they for savings or for insurance


prefer to make it a little bit, bigger ya the wedding is quite small ya okay what is it what what financial advice that you would give to the you !wah! I should have


no I should work hard first you got money you can buy lor don't have money how to buy, buy, buy right to spend, spend less yeah, yeah I think so too man then like you can have, have ya ya


probably we'll start to save more and buy more insurance, and now can retire it's never too late, should I DIY or get a financial oh okay I think we covered this right


for me is uh financial adviser, too difficult to DIY myself time consuming ya give people let people earn some money, how did you manage your !oops!, nothing goes wrong okay how do you manage your cash flow how much of your income is allocated since oh okay


uh I think I spend , something like that I think bills bills will include insurance with you ah insurance investment


investment and, and all the fixed bill, and then, safe and spend at the same time, right ya you spend and whatever you have then you safe lah for me lah I think


what do you do to earn extra income, income, do we earn extra income , , or how to improve your income level, must ask also must ask a company whether I can oh yes correct correct


you can be a boss, do you have that habit of saving how do you actually make saving


I saved lah I think so I have, have a habit of saving ah I like to see my bank account grow, grow


that's my life motivation, ah no not I just, I, and maybe that's one of my hobby, to see my money grow , ya then he ask you how do you ensure you will meet your saving goal


goals, spend lesser , for me I think spend lesser I think we can save lah, so as long as you got work, then you probably spend less I'm sure you can save


what how do you spend your money, which expenditure is that , and what have you been spending too much on oh man, I think I


because something like that how do you spend your money, expenses ah, I think it's more like day to day thing, this right EN ya Grab, dangerous to take MRT after phase two I refused to take MRT


and then eat enough to eat good food ya lah, the problem is we never earned enough there's about


that ya uh why have you okay, what strategies will you recommend, recommend, for planning their big ticket, expenditure oh ha ya ha then the


you are then the rich one, , strategies lah what strategy will you recommend, ~mend what strategies me ah I don't I don't think I can like that lah my


must probably work and saved first ah, work saved, fasting your family needs money ah I don't know anything , I can buying a car


it's not in my list lah because, Grab is fantastic ya no point to spend money on car, which is a depreciating, that house ah saved oh I think we just really need to saved ah


I mean it's definitely good lah if you have income then you set aside the percentage to save ah, confirmed won't go wrong one mah, how do you manage your financial commitment before and after marriage okay you


then you all never like joint account, then, joint account lah then save lah


post COVID world, what changes are you making in terms of your spending of savings, habit , no leh our lines still open eh everyday your parcel coming in


, ya but during but during COVID there's a lot of sale, all the food give you discount leh, once a lifetime you know , err what changes ah


are you making are you making any changes


because work from home mah no need to buy clothes, right and then you eat from home uh like if, I work in raffles place food in raffles, raffles place is expensive now I eat hawker


but you get more what do you called that , you, try not to spend unnecessarily I guess, oh times are bad okay, what do you think of, financial independence retire early !wah! I like this yeah what do you think how can one achieve I think


think you need to work lah definitely you need to work and save, but I don't I don't, quite believe in say say say like no spend


spend one lah, we need to make the economy, smooth, and I've worked so hard, I need to make myself feel better right, if I say say say who knows tomorrow I die, then I don't get to enjoy anything at all


ya so must, must work hard must save and must spend, yeah, how do you invest your money, who accumulate well how do you invest your money like ya ya


uh I don't I don't I don't invest in something that, #boh baonia# one you don't win, sure ya share then investment lah I think ya ya I think those what some ya


investment plan or, something like that sounds quite good ya ya, I every months save them maybe three years four years


ya last week I feel like scream and save and, and quickly finished it what advice work hard [loh], find more job then finished the loan I guess, what else can you do ya


do you think why should own a credit, card of course hundred percent you should own a credit card, really but don't misused it lah


right you owned you owned it uh, first you can get a lot of good deals upfront, what, advice would you give to someone in order, to retire comfortably my advise is work very hard when you are young and save very hard that's the complete


ya if you don't work there's no chance you have a passive income anyway what, right, ya but you need to have the you need to work then you have the money to go and buy a shares then you will have the dividend mah so have to work very hard


in, the first like ten twenty, years yeah don't think of relaxing then you can retire comfortably, I hope really ah I hope to if I hope to retire in ten years time if not I won't I won't be working so hard now what


right yeah, good yup yup, if not nobody would have a house !oops!


I think my customers sometimes, frustrate me , yeah, I think it's not frustrate you I think they are yeah when people ask you at the wrong time is frustration with, you ah right, when they just called you at the wrong timing


yeah then it nothing particular frustrate with yeah, what's the worst thing you have witness and kept quiet about, uh


I'm not such a person lah, right what's the worst, worst thing if I witnessed something that's not right I don't think I'll keep quiet, what's the worst thing do you, do you witness any worse thing that


you kept quiet about, , recall a scene from a movie that make you too angry to watch


I remember I cannot recall the scene but I remember I woke up from movie before, ya, I can't remember as it was very very very long ago, ago like ten ten years twenty years maybe yeah


it was so frustrating yeah the movie is so frustrating that I decided not to waste my, time I woke up, can't remember it's not a very famous show I think we just watch it like, , nothing to watch then we try this show something like that


then it was really totally, do you do you have any movie that make you too


describe a time when you were unable to help someone in


that's when you don't feel like lending what, right that's not that's not that's, that's not because you are unable, that's because you skeptical whether you wanna do it, help, yeah yeah I don't believe in lending moneys to people


ya, don't kind of lend money from me I don't believe in that, that, what is your greatest fear, ha what is yeah what is my greatest fear ah


now is if my tenant no tenants for my house is my greatest fear, yeah, now except now this thing, other than that nothing much, serious of unfortunate events describe a time when


but I don't overcome them , , no need there's no need to overcome them, right phobia that's ya, I think that's my phobia I don't take roller coaster probably is


find when you feel that you have, committed something wrong and there was, no way you can get out, and start over I don't have a time like that ya


describe an event that make you very, angry very angry very angry very angry oh ya that will probably make you very angry I don't have ya I don't think I have much thing that's very angry just a small probably some small little thing that pissed you off what disgusted you disgusted you ah oh uh I think not


nasty people disgusts me probably, people who are not appreciative, right ya, what is an issue that you feel upset


it is but I think is also a chicken and egg thing, right you see the COVID situation people locked down, the, environment gets better, but then people are out of job


right so, it's probably we are we probably need to find a balance


can true true do our best lah like don't use straw I guess, but it's not yeah yeah right, if you want the you want the world to stand still, there goes all your job


and there's no survivorship so, it is not a well, find a good balance in it in a post COVID world what are some of the worries and anxieties that you face, I say I got no business alright ya other than that ya it more about business I guess


describe a time when you hurt someone's feeling, well probably my mother, ha, do you hurt do you have any time that you, hurt someone's feeling


ya me my mother lor when I want to when I decide to shift out, from house and stay on my own everybody is upset ya but now, but now she keep asking us so


move out , okay ya, we are not supposed to laugh sorry, okay next


what is the most dramatic incident you have


is sudden lah but I don't think it's very dramatic ah but I know I'm banging already, so I didn't even bother to brake, I, I was tapping and I brake, but is too going too fast, so I know I'm hitting already, ya ya I park


bang then okay then first time, time then I was like what am I supposed to do, I was still anxious about my documents in my car, car the, first thing that comes to my mind is my work, documents ya


yeah and my car was only and my car was only like, wait ah I think only like one year or something is pretty brand new yeah so I was quite surprised that they actually never total loss my, car yeah oh yeah but it was not dramatic lah it was just maybe a maybe after shock I can't remember what is the biggest ha uh was I I can't remember I was I don't think I can't remember was I still scared to drive


but I my mine was mine was so bad until my two airbags, came out already ya and then after that, but I was not injured I was not injured so it's more like a bit


back left back pain then yeah, I was more worried on the, the, total loss and the replacement, of the car I think yeah more than anything else because I'm in the wrong okay


what's the biggest thing holding you back from


the time when things turn out not meeting your


but I think this one we already, we are not so hard on that that rejection anymore eh, I think for me lah for me yeah, by other people [loh], right I think is only


upset when it doesn't met your, expectation but, just sort it out [loh] I guess, ya, things cannot be changed there's not


what else do you want to talk about what do you often worry about, what often what do you often worry about, what what do you often worry about I think for me I everyday I worry about my business my work


this are one of my major worry, saddest moment of my life is when nanny


this one is very interesting ah describe a time where you feel that nobody cares, about you, that's when where you have such feelings one ah, no do you have such feelings, like nobody bothers of you nobody cares about you


what I think you'll just feel upset but after that, sleep and then next day yeah you just, I mean there's still definitely there's still people who cares about you it's just that you choose to, think that nobody cares about you


oh yeah yeah yeah that's true that's true, that's true, whether is it that person is, you know you want that person to care about you but that person didn't care about you, ya [loh] I'm sure a lot of people will care for


someone say to you that you wish to


sometimes they just keep of their


god wants me to be alive I'll be alive, have lah he wants me to bring back mean then bring it back lor


what is the skill or an ability that you are secretly proud of having goodness this is so what is the skill or, ha, you are good in many things what, you


you are good in many things like you can do the , RT RT and the internet thing and that one add one right, me ah very good at cooking , and my funny thinking of my funny brain


yeah yeah I like to play new thing, ya when did you blush the most , !yay! don't go and tell people this


really, then they all know is my <mandarin>偶像:ou xiang</mandarin> yeah I see my idol then I blushed the whole, yeah, describe your favorite activity


watch korean drama, yeah yeah I think, to unwind lah is really to lie down and watch my, korean drama kid


oh yeah china there's not much of, my show now leh oh describe a, time when you make a comeback that


maybe they should ask us this question uh maybe like three six months down the road, phase one ah yeah yeah then we have a comeback I think, yeah yeah


keep us in a lookout Jiang, what is your best surprise, some best surprise, no people surprised me leh


oh ya ya ya, yeah yeah yeah good for you


my god makes me optimistic about the future, , ya come back, time make


then I need to rebuild you leh cannot stick first too short already need to do you in three months time, , yeah six months is too long lah by that time very tired already you know


we all do like now


but their one make you so upset right yours was a but this is supposed to be, positive positive


ya lah the area is they cannot make it a


ya lah I met GD's father , , yeah and what did I do then I, eh yeah, I fell down in europe , yeah then I I ever miss


my first time, time missing a plane !aiya!, a lot lah travel is something that, cannot finish on this topic, what was the biggest reward you had ever received after doing an


my biggest reward is to know some good friends , ya but I never do any awesome good deed, deed , describe an experience when your faith in mankind was renewed


there's always hope in life I guess


describe the moment when you felt the luckiest


that's your like, minimal small small little luck lah


I can't think of anything what was the proudest moment of my life


maybe people think is proud of but I don't think so, so have a house lor it such a liability , if I have a house that's fully paid I'll be very proud of myself


ya lah what for you have a house that you get like so much loan from it


what amazed me how people can be so slim and pretty, , I was just


caused you read this finish I feel like !yay! my life, so nothing special nothing interest just work and work and, retire please let me retire and


what makes you gets on his life something like that, I guess, persevere in your life maybe


I think it's just ya lor responsibility people around us, us, and what is the goal that you want, like ya lor like I I very, focus in trying to get myself


retired and free from all liabilities , that's why I'm working, like a mad woman everyday


and get somebody to, to you know passive income in the post COVID world who or what are you really thankful of, all our front liner maybe, right they are so power yeah also the police or


everybody lah even the government actually is, tell a funny inside joke that you and your good friend still laugh about


oh mine mine got I got one very funny one, last time I was working then right we were


then got this hotline lah our accompany hotline, so that time when you are when, like we were, oversea right in Bangkok with my friends right then we drink and get drunk right then we supposed to call a, cab lor in Bangkok eh


then after that I call my friend right this is what he tell me actually I can't remember, remember ya you, you you say call our company hotline to get a taxi, in Bangkok damn funny ya, ya, until now you are still laughing, about this so funny ah


fond memory you shared with your love one


but I don't have much memories of, when I'm still young eh I don't know why ya there's a part of there's a, part of my that's a yeah there's a part of my life I I cannot remember what I do


police still okay I think maybe the, primary three primary two primary one to the primary five six then settle ya hor cannot remember oneoh so weird


what are the things that you most look forward to, when the pandemic end and go holiday yeah, ya how long already one year have six seven months cannot travel already eh


seven months I would have gone to like, three place ya but now cannot lah now got a lot of commitment , cannot and how travel, , ya travel lah I think I would think the whole world is really


want to travel right suppose, yeah, first I already buy uh Bangkok ah


as you age you will grow


ya lah as you age lor, your thinking changed everything changed


describe a time when you were helped by someone in your time of


when you need help you must tell ask people lah for help then people will come and help you, yeah [loh] yeah [loh] yeah [loh], , if you need help then if you don't say nobody will know also how to help you,


what was the best meal you ever had !oho!, I think the the best meal ah I think the best meal I had was really in the Bangkok that one, yeah the Omakase really very nice yeah


what is the best surprise or gift


your kimchi or who make it, Kimchi , that's so yummy, !wah! eh this one very me eh describe a time and you can't wait to attend a special event or concert


describe a time ah yeah many times, whenever there's a concert, !wah! really yeah many times, one year two years I went twenty, plus eh twenty plus concert in two years ha ha what thing same


they world tour I also world tour with them ah, but I asia world tour lah they all world tour I asia tour not world tour


laugh too hard really ah some of the show damn funny I just laugh and, and laugh , !wah! I like the third one leh, you guys keep making me think of my concert describe a time when you took a risk


and it was it and it was way !wah! that is, no leh my risk always fail one eh, so far, never once sustained [loh] my risk, yeah my one


fast stop fast stop also not doing very well , yeah I think this one ah ask ask ask again in three months time three months three months ya experience


then like can answer a lot of thing, they have a meeting at ask ourselves this question


after three months time yeah no, now as far as you like oh yeah


to stop and submit


ya I type already , do I need to read the question, oh


what's one financial advice that will you give, that you would give to the you five years ago UT, err


what advice that I would give myself five years ago is that uh I should, ya I need to, think I will ask myself save more money ah, and not spend so much money on clubbing, and drinking


because I realised that money is quite important right now and I need some money, so that I can have, more allowance for university ah


but then many forty dollars add together right it accumulates to maybe two thousand dollars, eh two thousand dollars is can use for, a lot of months eh like what three months four months


you eh what what what advice would you give


oh personally, personally I am a financial adviser right now, uh from Great Eastern is, I deal with a lot of things lah basically and, I'll recommend you to find an financial advisor if you do not know how to plan your finances because it's actually very confusing


right , like you need to plan for your wedding and , of of course like uh your house lah in the future and a lot of big ticket items uh such as, insurance and what is it called


uh car ya your cars, ya you need to plan for your retirement it's actually a lot of things ah, and personally my my parents are not very good with finance finance, so, and how to say ah like


they screwed up lah basically so it, told me that I should go and find out how to plan my own, finances lah and then I went to uh get an internship in Great Eastern so I can better manage my finance


I think it will be good lah if you know


do you think investing is important


oh okay true because you don't have the experience in uh, so would you rather save the money and put it in the bank rather than uh


accumulate assets such as stocks and bonds


okay okay interesting


ya go and work a part time job ah, like go Sentosa and be a lifeguard is is quite Lepak because, you just sit there, you just sit there and uh


look at the people swim can do actual work also quite quite good earn fifteen dollars an hour


ya that's quite bad ah


so they they are basically leeching off their parents ah, okay okay I I also have a friend like this uh I can't, uh say his name but


err , he's he just a acquaintance lah but ya, I see on Instagram that he gambles a lot and he always lose but his parents don't seem to be worried about it


during NS right two years ago I always spend all my uh NS allowance on, food and, and I have a vice ah which is drinking ah, which which is very bad you all you all you all shouldn't learn from me because


, I spent large amount of my money on err drinking and, ya lah like, didn't really save any money so


but then spending money on very expensive food every day, ya lah, I think uh a good way to ensure you meet your saving goals is that you have friends that do not


uh engage in, very rubs activities , and you must ensure that you are in the same financial lane as them, so you don't like do, you don't spend money on things that they can afford but you can't lah


then how do you how do you save


so you just throw it into an account that you won't you won't touch at all ah


I mean I haven't get married lah so, I'm not very sure, before I get married ah I would I would say that uh I will try to save up for a house first or even the wedding because the wedding is actually very expensive


unless you Bao very big #ang bao# for me, I guess I'll , save maybe uh thirty to forty percent of my money just to


just to put it aside and uh save it for like, my house and weddings uh which are, ya unless unless I don't plan to, ya unless I don't get plan to get married, , ya but after marriage right I think


a very huge liability is having kids, so I would uh, I will try to not not have that, that problem lah if you get what I mean


then I think you'll be saving more than me ah


ya true true, I think uh personally I know somebody who who is in


a lot of debt and , it's quite heartbreaking ah to know that uh he can't really uh get out of this cycle but uh I give what advice I gave him was that, he should spend less money on , err


like things such as gambling, like TOTO and four D I don't know why people who are in debt like to spend money on this kind of stuff


it's like you teach the person how to fish instead of handing him the fish ah, what what advice do you give somebody who is like in like too much debt maybe they will take uh ten years yeah ten years to pay pay off all their debts


what what kind of advice do you think you give them


but don't you think like uh, as what people will say and then like because he isn't able to repay the friends then is very, is very bad on the relationship


then you go to your friends ah, , do you think you will be uh, do you think you will shy away from being an entrepreneur because


of err, because many entrepreneurs get, into like a lot of debts, due their own uh what is it called personal interests


but it's your but it's your dream it's your passion


I think I will shy away from err like being a sole entrepreneurship because, I know a lot of people who fail and, it's quite hard to get out of like uh their debt lah which is


a little heartbreaking I guess, like I don't know but , there was this one person that I know of he, told me that err survival comes first then comes passion, like you need to earn enough money so that you can


err, live a normal life I guess like a decent life you got food you got shelter you got water then you can start talking about, your own passion like, money is good if somebody is like a NBA player he is able to


ya, like example an NBA player is able to play what he loves and then he's able to earn a lot of money, but err, in reality is there's not a lot of people who can do that lah and you just need to accept the fact ah


some people are just luckier


okay ya I get it I get it


they should just put a sum of money somewhere so that uh they don't spend it, hopefully they don't spend it unless it's for something like for an emergency, but, other than that maybe we should he should get a finance financial adviser because they they are really good at planning finances


I mean they are professionals ah they are definitely good at that ah


so if you know anybody you can you can hook me up


have you gone through any loss in your life, if you have can you describe your emotions


did you all did you all manage to, uh catch the driver who did it, oh so he did it wasn't a hit and run


did you all have any chance to talk to him within that month


like it wasn't intentional ah because like, I don't think I've ever went through


a huge loss in my life but, while, four years ago I, my great grandma passed away, and , she was really close to my mum


and my mom like broke down ah , because uh of a stroke I guess I think I think it's a stroke I'm not very sure, but , when we were at the funeral right


I wasn't really I I wasn't very sad at at the funeral, but, I saw that there were so many people close to her and, seeing that it was she was somebody that so many people loved, it was very heartbreaking ah


and, when we were at the columbarium is it is it a columbarium , ya, (hmm) everybody everybody was, like crying and I guess that got to me because I started crying too and I realise that


like , at that moment right I was thinking, all of us were connected like we are all related to this one person, and it was like hundreds of us, we are all related to just because of like my great grandma


and , uh I don't know it, it was a bit sad lah , ya I guess that's a biggest loss in my life, yeah that I've experienced so far


I think what makes me stressed now is uh finances and of course thinking about the future ah, because, I don't really know much about the world and, I'm just like following people, I don't think that's a good thing but


it it still is like you follow people so that you you know like a general direction lah to go , because like people always say , uh you go uni you get good grades then you go out and you find a job, but like


you also know of people who, who, after graduating from uni they can't uh find a job, and I don't want to end up like that lah, which is yeah yeah, if you think about it it's actually quite stressful because you really don't know like what what to expect in the corporate world


how about you what makes you stressed


I think another thing that makes me stressed is uh , the my baby cousins' at home and I want to sleep in, but they're screaming and crying outside, it makes me very stressed and very frustrated, that's that's one of the biggest reasons why I wouldn't want a kid in my life


but yeah, I think that gives me a lot of stress ah, unnecessary stress


no I won't get used to it, , what do you often worry about


because of what I said just now then you worry about the future


okay I get I get what you mean, I guess I think like, err, if you know what you don't want, then you wouldn't , become like that lah


at least not hundred percent


so you need somebody to uh keep you in check , yeah one thing I would, worry about uh recently is uh I realised that my parents do not have a retirement plan


and , they're already quite old ah so, uh I I guess I have to, find a job and then I'll definitely have to support them with my two brothers


but, more something even like short term right is that, err, me and my brothers haven't get into uni and I think they will take a , huge toll on


yeah it'll take a huge toll on their finances and knowing that they don't have a , ya, knowing that they don't have a, , retirement plan it really worries me ah because I don't want them to


uh like not be able to like, live a good life, even after taking care of us for twenty years, , so I will try to support them ah, as to the best of my abilities


and that is number three on why I don't want to have kids


because I wouldn't want them to have a negative childhood experience


or I think of something


ya did you did you err, did you take the qualifying english test, then it's not that bad what oh and


I'm sure you were a very good speaker back then, did you even study for the question


did our teacher prepare you, uh adequately are you sure , okay that's true that's true, okay thinking uh like when you say about


when you started talking about JC right I I thought of, something that I could change but I will never be able to, and I'm sure it's at the back of your mind, uh it's our physics teacher, <P2>chong fow rong</P2>


yes , he err, honestly right I, uh I'm very disappointed in in him , because he wasn't able to uh teach us like well


and even though our class was a rank class, he he still managed to screw it up, yes there are bad teachers, I mean


I really tried my best to self study uh without his help, and consulted no no no yes there are bad teacher yes


I have never in my life, met, uh a bad teacher but, I guess, some people prove me wrong ah, it I mean if I could it


if I could study harder I would have had study harder but, I tried my best to, yeah I tried my best , yes with the amount of guidance I had


I do hear that this teacher that we speak of is still teaching in another school


the only thing that I can think of now is, uh back in secondary school, about results like, my mum used to uh shit like, look at my report book and then like scold me on why why I'm so


bad at certain subjects, and then she will try to teach me, but, she realised that she can't do it also, and she expects me to do it but, I don't know ah I'm always the I'm not very talented in studying, and I'm very lazy so


my results in sec one and sec two were very poor, I was the last few, err, in my cohort and my mom was very worried uh about me retaining or, even, like dropping to NA or NT


but yeah, I already tried my best lah but, I think I was just too playful I just wanted to play my cards


uh yeah ya I tried my best but it wasn't good enough, how about you what was something that


like tuition


think one thing that uh I learned from negative experiences is that you should, uh you shouldn't compare yourself to others, because everybody goes at their own pace, even though some of us might need a push sometimes but


the biggest thing that's holding me back from my goal is honestly myself, because I know that I'm a very lazy person, and , I do catch myself uh doing


unproductive things , when I'm supposed to be uh working on, like working on my studies or , even like stock market trading but, ya always always end up playing games like minecraft


and , yes I guess but, okay lah it makes me feel like I'm I'm a spoiled kid ,


my goal is to have a financial freedom ASAP so I don't have to worry about finances and I guess I feel like uh money is the root of all problems


oh uh definitely , that's I'm on my way to to to getting that


that's a very good life


so uh what what was your, yeah what was your big best birthday present


it what was a while , okay so uh I got this memory of, err, it was quite long ago I think it was when I was eight or nine years old when everybody was still playing pokemon on the gameboy


and , I remember at Sembawang MRT there was this uh , gaming shop where they sold these pokemon guide, and, and my favourite pokemon was on the cover which was Rayquaza and I thought it was quite cool


because it's like a dragon and then , no so I always tell my mum that I wanted the book and then she always scold me because it's it was very like expensive lah, but , on my birthday right like


after I after I wish I I had my birthday wish, had because I was cutting my cake, and then ya and then it appeared in front of me then I thought like oh my god god gave me the book, but actually it was my mom lah and I


still remember to this day because I , I really like the book ah , I don't know why that was that was so long ago though, yeah hundred, that that was the most memorable gift I got I guess


like was it a room that you book somewhere or was it like just your bedroom, oh okay how can you fit two hundred balloons, inside the room okay maybe, maybe this year I I buy balloons to your house


easy , , what do I love most about myself


as a very humble person, I would say that err, what I love about most about myself is, my positive outlook on life I guess, but yeah why why you laugh I mean when I was


a kid right and then I see like there are so many unhappy people around me I I don't really get it, like why how can a person be so negative about like so pessimistic about life, and I guess that like, it was because I was too naive


and I realise that actually the world has a lot of like , err what is it called, screwed up stuff lah basically , yes there's a lot of negativity


but then I guess, yeah I guess people don't really , uh what is it called appreciate it because they, I guess they are like low key jealous because you are happy and , they don't get why you are happy


so that so they just want to spread the hate ah ya, yeah I guess that's all ah my positivity


maybe that's why became best friends, eh you never answer the question no


your good looks your sister your


so so you don't get bullied by others ah, so do you bully people back when they try to , oh is it cool cool cool cool cool cool cool oh uh


that's a that's a very hard question, I've been asked this question before and I didn't know how to answer how about you go first


so I guess you you like to enjoy the scenery ah, okay but I, but I do I do enjoy singapore though


even though it's a bustling city, don't you think so okay okay, I mean I guess my perfect day is quite simple ah, is like uh wake up in the morning then


do a bit of light stretching then if, if not too sunny I will go downstairs, no no, oh, yes I do I do happen to know a very good architect that came back


from Australia uh, okay so if it's not too sunny right I will go downstairs and I'll play some basketball, you know that I love my basketball, yes


and then after that I'll come home have have breakfast with my family, and maybe err, if I have a girlfriend I'll I'll call her over and we'll have, uh netflix and chill party, which is


very chill I love it, then maybe at yeah will chill until like at night, have dinner, and then err , go outside meet my friends my best buddies, and play ball again lah


because it's what I enjoy the most, yes because basketball is the love of my life, it's the best thing that has ever happened to me ,


I mean it'll be it'll be good if, she supports what I do lah so, I mean I'll bring her along, then she'll get to know my friends also


ya is a very perfect day , I think this is a very deep question


I haven't even turn twenty one I'm not I'm not a adult yet, , okay I guess if I were


answer this question now right I will say alcohol, because, I am very toxic and I know it, , and then I always used to uh like me and my brothers will always take my father's alcohol and throw it in the bin last time because we thought that


it's very bad and my mom is very unhappy about it, but as I grew older I realised that alcohol is actually err, good way to , socialise with other people make make good friends


and ya, I guess that's something ah that I love I love alcohol


but you feed the crickets to the frog, uh no can you hear me, oh !oops! okay


a little bit noisy , how big your crickets, are they bigger than cockroaches , can they can they fly what why would you do that but


can crickets fly or like they jump, can crickets jump like grasshoppers , like do cricket jump like grasshoppers


what am I thankful for , (hmm)


yes of course definitely ya you are one of them, err, I'm thankful for all my closest friends lah I guess, and , for my family for always supporting me, and they


they don't really my like my family don't really uh force me to, study anything that I don't like or do anything that I don't like, and they always support like what I do like when I told them I want to , I wanted to learn how to invest


uh my mom was quite supportive of me even, even though she was very skeptical about it, but yeah right now I'm doing quite well so I guess I'm thankful for it for that


and for my friends who always like stick with me through, through like the ups and downs lah and I can complain to them about, uh family problems and, of course girlfriend problems


yeah okay honestly right I think that, ya, I think that I'm I'm very thankful to to be staying in singapore ah even though I always complain that singapore is, uh very fast paced I after travelling to various countries I realise that


singapore's singapore has uh a certain standard of living that, I always I've always taken granted for lah


moment in my life, I guess the happiest moment in my life was, when I graduated


from my uh diver course back in NS, because it was so torturous I hated it, I hated every second of it, and it was five months, yeah because


no what the hell it was very hard, like, I mean there were definitely like good times like banter, I always banter with my uh batch mates, and then we will do like stupid stupid stuff in


in camp but , I always got into trouble lah and I got confined for six weeks because I was dumb, I took a photo of the sunset, with me inside so I couldn't run away when my warren found out, and


yeah really genius ah, but that was the hoppier happiest moment, yeah when I was because we have this underwater graduation right, and I invited my parents, and my dad always wanted me to


err , be a combat diver lah I also don't know why he say that it's very ups but, I honestly wanted to just uh Lepak in Tekong last time if I wasn't chosen to be, in NTU but yeah


I guess because it's quite, he's proud of me then it make me happy also lah, like, it's something that you wanted to do last time but


how about you what was the happiest moment in your life, when you go to KL


are they still it , is malaysia still in lockdown


oh my god I never went to, do you get lost , what really but malaysia is so big eh I honestly ah I a bit scared of malaysia


I don't even I can't even get scammed (ppl)


okay you can go ahead first, you were you were sixteen years old


you look very fierce


yes but do you , yeah do you think that proportion of money is able to make up a big amount, to help you sustain your uni life I don't think so I mean if like if you were to save


forty dollars I I I save for one time you go to the club I don't think it's going to help much in uni ah, okay that's good


then, okay okay the one financial advice I'll give myself ah actually I will say


I'm doing a good job, I don't I don't spend, spend money on unnecessary things I would say I think I did a pretty good job saving up money yeah and I do


online businesses too so I think it's uh quite sustainable for myself, at the age of sixteen definitely I think it's enough K so do you think you should uh DIY or get your own financial adviser to spend


to plan your finances


estate and retirement car ya there are quite a lot of things you need


yeah that's good yeah


ya I think I think it's a I think people should actually have a financial adviser for themselves to plan their own finances because uh there are a lot of, things that people are not aware of if they don't know things about


finance yeah I would say uh if they want to invest their money, they definitely need an investment adviser if they don't know how to look at, uh their stocks and bonds et cetera and


and they might not know their own risk profile so they won't know if they might actually go into a spiralling debt, yeah they should know how much they can afford right before they actually, start investing ya they can also actually get a financial planner for the other things that you said


like for for their estate and retirement, do I think investing is important if , if I had the extra cash I think it is to earn more but if you don't have enough for yourself I think investment is


I don't know I'm not a financial adviser myself so I I would not take the risk because I don't know my risk profile, yeah if I yeah if I actual if I had a if I had enough I think I'll invest in property


oh oh that work, I think I, uh I'll get a financial planner to do it ah an investment adviser I mean I wouldn't do it myself the money's gonna go down to zero


, okay so, , what can you do to earn extra income or improve your income level, don't don't spend so much money


okay yes very interesting ya, I think it's uh good that you know how to earn extra income, because I know of a lot of people who are actually still rely on their parents for income, yeah I actually I actually think that people nowadays don't even need to work I mean I mean to more


after joining uni and looking at, more people who are actually uh more financial, financially stable, and who are at the more well off side of society, I I realise that there are quite a few people who don't need to work maybe for their this life


they can they can just rely on their parents, they are not leeching their parents are willingly giving money to them , and then they complain they got not enough money, I miss the joke


it's okay they they can sustain for this life K do you have a habit of uh saving, and how do you ensure you meet your saving goals


spending money on food is not, uh is always justifiable, money on food is the only thing that is uh that cannot be , said no too I guess, yeah uh I


of course of course that's a different thing


(mmhmm) yes , what, alright yeah okay food and uh luxury food, of course there's a difference between like yeah if it's a if it's a uh uh a necessity as in normal food yeah definitely eating is justifiable to spend your money on those


how do I say okay , I think uh the allowance, of uh okay no, for if I mean when I do a part time job every month I was


say about thirty forty percent into a bank that I will not touch ya I won't I won't spend the money in there other than that the other sixty percent


it can't be touched yes, okay, so how do you manage your financial commitments before and after marriage


how do you manage your financial commitments before and after marriage


yup of course, if that's that's if you invite me


yeah I think alright I think you should uh have a joint account for that, oh !wow! of course


yes, sure okay ya I think so too think that we should have a joint account before and after marriage so that the money can be split evenly


okay so, uh yes of course, what advice would you give someone to get her him or her out of debt, yes I think


actually I don't know man I think I'll maybe send them to some education facility yeah I think they'll get in debt is because of not enough , of not being, educated enough


on how to manage their finance that's why they anyhow spend their money, and they get into debt, and then after that they borrow and they do it again and they get even more into debt ya


of course because they think they can get out of the cycle with uh one time of solution, but


it never works ya I I mean there there are but then it never work, is because if you don't know you don't uh you're not educated enough against not trying to be offensive but if you don't know what


kind of trouble you're going to get into you're going to gamble again and you're going to fall into the same debt so I think education is really very important


I mean they just got to work hard for their money right and I think they need they need assistance , from people who are more capable , they can actually help them and maybe guide them through why


they actually fell into this debt and hope they will not go back into this uh, uh, spiral again after their debt has been cleared but if if their, debt is so much okay one thing I will say is to never borrow from #ah long# that's the worst thing that could happen it is really is it is quite insane eh I have to say yeah uh maybe they can try and borrow from reliable friends


and hope in hopes that these friends are actually reasonable, and, would actually help them and might also actually uh guide them , uh on their way to being out of debt or maybe they can under their friend name borrow from a bank


uh but okay they're , , yes it's true that uh