my friend could possibly put the five hundred in and lose all that five hundred for all he knows but I mean he just took the risk lah I mean I know in investment and everything you is a very risky kind of game that you have to play, but ya so it's either you're lucky or not and also you have to like learn how to manage the I mean see how the trends go and like invest in the right time you know


ya but I know you’re a financial a finance student or whatever so yeah you know can you tell me more about investment if you know


ah


uh so where do you lose money from it like since it’s a government investment thing you know


that's true that's true, true, okay what advice would you give to someone in like debt like to like if they want to get out of debt or something


that's true for me I think that like they should firstly stop using credit cards I feel that credit cards is one of the ways that they can get into debt very quickly and like they should uh the try to just pay off their debts as soon as possible and just like maybe


take up a freelancing job like from apart from their part time or full time job and then just earn some extra cash on the side and ya, I think these few ways will allow them to pay off their debt quickly and then like they should also like from what I've learned in POA again they should like try to get rid of all the debts that have a higher interest rate because like the


the more they like delay it the more interest is gonna accumulate more and more and they're just gonna end up being in a like a hole hole of debt you know, ah that's true


that's true


, (hmm)


that's true ya like a lot of people I also have another friend and like he borrows money from so many people and, he he still manages to buy designer stuff all all the branded stuff like Stasi and all that and all his other friends are like why are you buying this you're supposed to be like repaying me back my money you know so that's one I think that's a part that's an example


of very bad uh financial planning lah on my friend's part I so I hope that he gets like, his priorities right and stops uh spending so much on luxurious stuff lah like I mean I know there's a lot of alternatives also you know you don't have to necessarily buy like a shirt is a shirt still you know like if you have the money then sure you can splurge on designer stuff all at once in a while it’s not that bad also


because like you know you you cheating yourself or something but very often it's just uh it's gonna lead you, to like debt or like just no money to spend for your that the things that you actually need yup


I mean right now currently he does not have a job he's just a student so obviously I have a few friends who are working and studying at the same time


so he can uh start to find a part time job I know times are very hard to I mean now it's a very hard to like find a part time job also because of CB and all that but I'm pretty sure there are still a few shops like you know still hiring and all that I, I actually wanted to get a part time job right cause I have a holiday from for one month lah from august to september twenty first like that august twenty first to september twenty first


and I wanted to get a job and I I was, thinking that you know if you can be a job as simple as you know those sitting down in the shopping mall and then just like checking the safe entry, ya I I mean that’s a very uh I feel that it's a very chill job like I mean of course you have to put yourself at a risk lah but it still can earn like about twelve dollars per hour from what I've heard so that's something that he can try to apply


for and all like or maybe even a retail shop I'm pretty sure retail shops, are always hiring so yeah he can like save up ah and try to repay back people but I mean his friends eventually confronted him and I think he's working on, trying to pay them back but I don't know how exactly so yeah


it's the thought that counts


(mmhmm) yup this


it's like nine dollar per hour or something like that if I'm not wrong eight fifty nine dollar per hour ya, exactly


I think the only problem is that you know some most jobs they want a commitment period because they don't want you to like just leave halfway and like they want a their employees to stay you know so, most of the jobs they have like a three month commitment so obviously we don't have like for me I'm starting my intern next month already I mean not even next month I'm starting my intern in like two weeks so at the point of time in august twenty first when I was searching for a job like even the safe entry they needed like three months


so that's why I couldn't apply for a job lah so I just decided okay never mind let me just enjoy my one month before intern starts, ya but like if I think the warehouse, ya the warehouse jobs do they have a commitment period


ah okay then yeah maybe you can try to apply for like, you know the warehouse jobs, okay next like let's go to our last topic before, it ends we will talk one more thing so let's see


we talk about what someone can do to earn extra income already maybe, how will you make a financial plan or investment portfolio for your family or children


future planning you know


that's true and some more like when you're in in the future right you're not only going to be planning for yourself but like for like literally your family also so, maybe like you all can just sit down as a family and then like you know think about having a financial plan and then like list down their short and long term financial goals and then just plan on their adjust for adjustments lah based on their goals itself


and just like review all their debt if they have any and plan for paying it off and like also review the expected income for the year as like you know for POA and everything they will like income and expenses and all that you know so try to see how much they can have for their own err needs and everything like that


that's true that's true, err talk more about inflation rate, ya , if


negative experience in your life, okay, what always brings tears of sorrows to your eyes


ya cause as you said like you know you already like you you can feel the vibes from them you know that they are at their emotion and sometime you just like mirror how they feel and if my friend is sad ah I honestly will feel sad also but yeah I mean not as sad as them of course but yup


but I think , cause I generally do not like cause they say tears of sorrow right I do not cry I don't know why but I think I'm more of a rational person than a emotional person and so I don't usually think about things and cry but I guess


the idea of death is scaring me like because I just like I constantly everyday I tend to think about death and ah I'm like what if like somebody close to me like passes away you know I’m very scared of all this and I can't like grasp the idea of like losing someone that's close to me


so yeah


that's true that's true like for me recently like I think around january like I have this friend he's like every week want to meet me one you know like he's like a very clingy friend and for me I like to stay at home so I'm like


I'm like just give me a moment I need to stay at home because I'm very busy from like CCA and all that I'm always coming back home at like eleven plus and all that so I always tend do not have time like everytime he's calling me I just reject the call and then one fine day I think around uh a few days I mean


ya like a few days before he actually passed away right like he did he ask me to meet I mean no I'm the one who ask him to meet for some reason I was like eh let’s meet and then after that he was like okay then we met and then after that like it's just like two days later he passed away and I'm like !whoa! like, that's how and he was the same age as me that was what scared me the most because that's when I started thinking about death every day because like you know that's that's how life how short life is you will never know when's the last day you cannot like predict like oh oh only when you're old then you will pass away cause someone the same age as us can pass away also


so like it's just very scary lah like I mean I had my friends to support me and all that but I I didn't have the the, emotional capacity ya to like go and see his actual like dead body and all that you know cause I'm just very scared in general so but like I mean he's still my very close friend and it's just like I guess it's just life lah you can't do much about it


that's why that's why because it's like I mean is all plan by god already lah I mean my friend did not like uh take his life voluntary it was an accidental thing you know so but like still it was all already pre-planned like god is already like telling you, this is the age like that's it yeah so it's just very scary lah it's like from then onwards I was just like oh that's how short life is I’m very scared to like


to like lose other of my loved ones and I that made me treasure the people around me more because I'm like opp ya like I when I whenever my other friends call me I'm just like okay I'm answering now no declining , yeah


ya ya it's like a wake up call lah, okay what do you often worry about, same


ya everything is like pushed back


that's true for me I guess like I often worry about just like not being successful enough lah like I obviously as I said I don't worry much about things because, I'm the type of person who's like go with the flow you know everything but like I just worry about like what if I don't get like a what if I don't become successful in the future what if like it's just so many what ifs like you will never know until you actually like get older and like figure everything out so yes


oh ya ya this very dreadful just like ya cannot imagine doing something that I don't like, it's yeah, (uh huh)


uh because that's like your comfort zone so called even though you don't like it's still your comfort zone, okay what popular food do you dislike and why


I mean honestly as I said like I'm the type of person who eats everything also lah so but I guess uh I don't really like corn, if that counts I don't know if it's popular but like I know some of my friends right when they go mcdonald right they buy corn instead of fries and I'm like can't relate that I don't like corn and I don't really like mint also like just anything minty in general it's just like I would rather eat toothpaste


yeah how about you


healthy, I mean I guess I haven't reached that stage yet maybe if I started being more healthier then I guess I will feel greasy food unappetising but not for now so yea


okay err, describe a time when things turned out to not meet your expectations


(hmm), for me it's uh more of, academics I guess like sometimes you just expecting to get a A in a certain module or something and then suddenly you just see like a B and then you’re just like !oops!, like for me I think


uh the most the one time I like actually cause as I said I already breakdown but one time it was in PFP I think I was because maths was my strongest subject and I uh I think I had really bad stomach pain so I couldn't like focus and, like I've been getting A for all my test right and that for that test I think I got a D


or like a a C if I'm not wrong and like that's when I broke down because I'm like that that was not my expectations at all because I've always thought that like I will be I'll be getting straight A's constantly and suddenly when you get like something that you're not used to you're just like it's a a a shock lah to you


so ya for me it's just mainly academics I guess but I do agree on the fact that you said that sometimes you put all your effort into somebody and they don't give back the same effort back you know that it's not that what you expect so it is very applicable also to my life


if somebody does not reciprocate the same energy back is it, uh usually, I do not associate myself with this kind of people if you do not give back the same energy that I’m giving


you then I'm just like okay bye like I don't want uh like beg for someone you know like asking them oh you need to I don't want to try to explain or maybe I can explain it to them once twice maybe but after that I'm just like nope not anymore like I've already tried to explain my point to you


and if you can't get that through your head then just it's better to cut that person off lah as as sad as that sounds, ya how about you,


oh that's very insensitive, yeah I think there's a limit


yup that's true that's true


okay how about you describe a time like talking about leaving people right describe a time when you ended a friendship or a relationship with someone and why


!woo! ya he like using you like time pass only


very true yeah, for me I think I ended a friendship with someone who I have a I was very close to this girl during primary school days lah


and once we went to secondary school I'm a very bad texter also so everytime I text her back like, I I don't reply her I mean for other I reply like two three days later but for her I reply maybe three hours later and that one she was like very angry about it and that's the thing she was angry about it but she never told me once that she was angry about it she's very passive aggressive about it like she's just like giving


oh you know you make me upset and I'm like okay tell me why I made you upset like I feel the communication's very important you know like and then she started indirecting me on Twitter and all that and I'm like if you're not happy about something then tell me if I made you upset tell me I will fix myself like for


to like make this friendship work but if are just going to like childishly indirect, or like just err hint to me uh yeah I'm angry with you but I'm not gonna tell you why and you just like made me feel constantly like thinking like what did I do what did I do for me cause texting the people late it's just a habit already so like I didn't think that that would affect her that much but just because you know last time


primary school we get to see each other everyday but secondary school we don't we are we went to different secondary schools already , so I think after that I said if you are not going to mature be mature and talk about things then by like you know you you can have your own friends who will who are going to like fit to your requirements but this just not me anymore so ya


exactly, but I'm angry yeah


exactly like ya for some people it's just like a volcano you know it builds up like for them they are like angry angry angry then one fine day they just burst, but


I don't think that's like I mean communication for me is very important lah like I'm taking mass media management communication I learn a lot of communications so like, I am a type of person who directly communicates that if I'm not happy about something I tell that person like I'm like don't mean to offend you or anything just but I'm not happy about this but again it's very hard to upset me or like offend me in any way


because I'm again I'm a very easygoing person lah so but if anyone else was if I did something insensitive or anything I would want that person to tell it to me honestly, yeah (mmhmm)


yeah yeah, that’s manipulation yeah


that's very true yeah like for when I react cause usually I don't react to everything but when I do, like I have this friend of mine and he just says why are you being why are you overreacting why are you being so petty and I'm like I'm not being petty I'm telling you how I feel like just because I'm


like I'm trying to communicate my feelings I’m not sometimes when I tell you something that makes me unhappy I'm not trying to fight I'm just trying to, like tell you nicely you know like you know that I'm not happy about this please like but people always think that you know the moment you are saying something that makes you unhappy you are trying to despite so they try to like push all their points and they're like oh no I did this because of this and this I didn't know it will affect you this much and I'm like it does


so, yeah there was some most people that like, they just repeat it again and again and again but at at this point of time I will just like you know what it's okay whatever like


the details , that’s true


I feel you I feel you sometimes it's just better to like just write it down to yourself in the notepad or something you know just like cause if they're not going to provide you anything like I have a few friends I mean I think once lah I was very upset about something also send my friend didn't reply for like two hours and then deleted all the messages for both sides I’m like nope


yup , ya sometimes it's like the thing I was upset about it for like maybe two hours and by that two hours I already think about other things already then by the time your friend replies right then you think about it again and you're like oh yeah that's


ya like I'm already done Emoing about it for two hours already like in order to do better things you know and then suddenly your friend replies you and you're like oh ya you get reminded it's just I don't like that so


in your life okay so err, what are some memories memorable moments from your younger days


uh that's true


I think some memorable experience from my younger days would be just like spending time with my extended family I think usually my , like be my cousins and all that you know like some days they will just come over to sleep in my house and some days we'll just go out #wild wild wet# with our parents and all that but I think now all of us are already grown up and we don't have the time for each other they're just focusing on their own life


so I think it's it's okay because we just moving on in life you know it's part of life itself so but those were really fun days because like I got to experience, a a a bond with my cousins yup


yeah correct and then now all of us are grown up already and like you know, uh, that's true


ya you get excited over like the smallest things you know like you could see like a ice flurry and you'll be like oh my god I'm so happy and like now it's just life, different but yup uh tell me about your perfect day like what would you describe a perfect day


yeah it's a very good bonding session


then after going for a walk with your dad right where what else would you do in your day cause it's still in the morning right that you go for a walk, of course


ah


yes I love that


it's just like time to recharge before socialising again with your family, uh then after that what would you do but then would be about six seven maybe


okay, maybe like a ideal perfect day for me would be like just going to universal studios or something cause I really love like the thrill of the just going like especially theme parks


I just really love theme parks in general so an ideal day would be just going with my close friends and experiencing the theme park life but obviously now cause of COVID again I think my ideal day I've always been a homebody actually so an ideal day for me would be just to like stay at home and sleep as much as I can cause


I don't know it's just like cause some days as I said like for the past four days I've been going out and today's just like a stay at home day for me it's a me time you know I'm finding some time for myself and I just do whatever that makes me happy whatever I feel like maybe most of the time I I would want to watch Netflix but then I've a very short attention span


so I can't even last ten minutes, in the movie or series honestly so I just will watch Youtube videos and sometimes I also clean my house I just get very bored and I also don't like the idea of like having all my things very messy so I will clean my house


and by then cause I do everything very slowly I do not like rush and everything cause you know now there's no restrictions on like oh by like seven o'clock you need to go out that kind so ya I just, do everything very slowly and then chat with my friends here and there and, I think by then it's already night time and night time obviously now you know now there's Tiktok so by at night


I'm just got, spending two hours scrolling through Tiktok and just like watching all the videos and then eventually just going to sleep ya but ya I think that's my perfect day honestly just lazing around at home and having some me time like you know sometimes I do face masks and everything so ya it's very relaxing


yup, yes yes like you know it's so sad if you don't have any music playing in the background and you just like sitting down there sometimes I can just like lie down and stare at the ceiling, honestly and I'll be happy so you know with music so I can still like you know focus on the music and like on my thoughts and everything so ya


anyways uh what is a comfort food that you can always rely to cheer you up we both love food so, , that's right, ah


yeah you can never go wrong with your mum's cooking, food coma that's why , uh


for me it's uh my grandma's cooking cause I don't know I just feel that my grandma cooking's amazing like she can never go wrong with it and she always cooks like spicy food which I really love, so everytime she cooks most of the time like cause her house is like relatively far as in she's at she lives around #telok blangah# area and I live at #yew tee# area so like it's very far and like sometimes she's just will be like okay I will cook your favourite food why not you come over and I'm like


okay, I'm sold I'm going there like ya so weekends I will just go and visit her and my mum'll be like you going for the food right then I'm like no I'm going cause I love my grandma and the food you know it's a two in one thing so and my mum said okay sure, yeah


no I I mean I love food but I love my grandma too so you know it's worth travelling for the food yeah but I mean other than my grandma’s cooking, I really love Briyani in general like any other day I'm I mean I'm an indian so, it's typical I guess it's the expected I just love indian food of all sorts it it's just comforting like I could below my house they also sell Briyani so whenever I'm just feeling like eating Briyani I will just like go down and I'm like I got my comfort food done


(hmm) the best Briyani, probably at #little india# honestly cause you know #little india# there's like everywhere there's this Briyani shops and I think there was this one Briyani shop call nawak biryani and it's like the Briyani is very affordable like you know most Briyani below below my house is at least is five fifty or something there is like four dollars for a chicken briyani


and I'm like oh it's affordable and nice and I'm like okay sure but like I think, exactly cause it’s like you are not wasting money and like at the same time you're eating good food so yeah and also recently I went to this shop called and I think a few days ago only I went to eat with my friend and it's been so long since I ate from that shop I think that was my


this is my go-to shop in #little india# that I don't move forward in like move to other shops lah I usually go to there and I, ate there and I'm just like, I’m like, happiness this is what happiness is, by eating my favourite food yes


snacks , you know I I don't know what the snack is called but you know there's this like the little balls is like white colour balls, and then is like when you bite there’s like milky days-ish kind of thing, yeah (uh huh)


no way , ah, !wah! now upgrade already ah got pink color [orh] !wah!, yeah oh my god I I think that's my favorite one and then there's you know the roller coasters one also


the, ya ya ya that's nice also I yeah but other than that I don't really eat much snacks I think I was always sticking to my favourite comfort snack you know like the standard ones I don't in general I don't like potato chips and everything so, I just


eat those two mainly ya I mean uh or my favourite cheese balls also you know the, it's literally just cheese balls, yeah, yes ya ya ya that's nice I could just eat it like non stop I won't get tired of it how about you


oh yeah yeah yeah that's nice, ya ya ya oh my god good, oh ya ya you lick the powder off your hands yes


uh but so that's your favourite lah is it, (mmhmm)


ah it's ten cents only right, [orh] !wah! your mama shop a bit expensive ah


yes okay so what do you love about life maybe like currently, , okay I'll start first you can think about your answer but


I think, for now I just love how like the people that I care about is in my, like current circle you know last time I used to have like so many people and like now I I generally just like narrowed down all my friends to like just one group and I love how like I know they're very supportive of me and of my goals and everything like that and recently I just like started like to plan out my whole life you know like and is all going


in a flow so I don't want to jinx anything I just like I’m I I'm happy that like it's going, like I'm finally getting some sense of direction in life yeah, yeah


ya that's true, and then we still are friends so, ya that's true that's a very nice thing to love about life okay so


I mean sure I mean of course I'm not saying that but , you know okay uh, of course I'm I’m just assuming the brighter side of things you know it's positive you know you gotta to think yes anyways


what's the nicest thing someone has ever told you I think right today right the nicest thing you have told me is that, of course, so what is the nicest thing someone has said to you're nice but has anyone else say nice things to you


ah


that's true oh then oh ya it's like a two way joy thing, okay for me I think the nicest thing that someone had said to me is that I'm like their happy pill like I exude like happy energy you know like positive energy all the time and they liked that from me like I‘m always a person with good vibes


so I I I mean I've always that's my goal that's always what I want to do I wanna like I don't ever want to be that person who's like just moping around being very sad and like or you know don't talk to me and then there's just negative vibes all around, so I I really appreciated that one of my friend told me that and I'm like !aww! that's so sweet I'm happy that like I'm giving good vibes to you and making you happy yes


yeah that's very true, as in today's perspective lah


okay (hmm) what are the dreams and goals that you wish to achieve before you die, very deep question again


(uh huh) I know you sing girl, ah


mine I just I don't really okay I mean I started off being wanting to be like a radio DJ like I think sometime when I was at ten years old maybe and then after that suddenly I wanted to be an astronaut I don't know why and then suddenly it's just


I I just was like okay you know what I'm not have any goals like I'm just going to see where life takes me and then I got into mass media management and like from there I was like okay uh I have decided that I like script writing a lot so , I guess my my ultimate goal the bigger picture I mean all this script writing is all like a small goal of my but my ultimate goal just be successful to be happy


and like just live a comfortable life like I don't wanna be stressing over things so ya that's my ultimate goal, that's right the single rich auntie ya then we can pamper each others I mean I can pamper all my friends' kids you know I'm good with that it's fine like ya just


, do doing it out of your own goodwill you know, ya and then I also want to travel the world one day like I just feel I mean cause you know since I said I'm gonna be the single rich auntie right I'm not gonna have a partner I'm gonna to travel the world alone and like you know no restrictions I'm just going to like see experience life lah to the fullest I guess like before I die like no regrets


oh why a few months


the most important thing too, yes


ya that's true like what's your dream countries or something like which country do you want to live for a few months, !wow! Korea ah then you can like k-pop music you know, uh uh


ah you confirm like there you're like oh my god I want to eat through the screen you there drooling already I know you , , for me right I think my dream country is #new york# like yeah I just I really love #new york# so much like even on Tiktok I keep on seeing like #new york# like things on my FYP you know and I'm just like oh my god I wanna be there so bad I just love the vibes there it's a big city it's a very lively it like you know they always say it's the city that never sleeps


so I like very lively things I mean living in the countryside is fine it's totally cool cause I have like two moods just one mood err I would never shut up and another mood is like I'm just like, a saint that will never talk and if I'm on a like vow of silence you know so I mean living in the countryside seems fun though but I feel that like city life is more for me


exactly yeah and like you know if I'm hungry at like three AM I can just go and I think got food everywhere one like cause it's the city that never sleeps you know I think Singapore I go everything closed eh at three AM what am I gonna get I can eat maggie ah that’s all


ah !aiya! mcdonald but then now cause, COVID right I think they close down I don't know if it's twenty-four seven anymore already so, they closed what, uh see so sad and then ah I wanna get food also I cannot get food already maggi maggi is the way to


go so, okay so (hmm) what are you thankful for


(ppl) !aww! I love you too (ppl)


personal finance


~kay hi I’m <P2>Divia</P2> you , uh do you actually save money actively,


I used to save money as well I think it's only like the beginning of last month that I went above my spending limits because too many birthdays in the same month lah


then uh now I'm back to square one, , uh but uh what what do you usually like how do you save what's your method


ah


I I realise that when I have money in my bank account that's when I'm more inclined to spend so uh I I still get allowance from my parents because I don't work part time ya, so uh they give me my allowance in cash so I try to refrain from putting it into my account unless like if I really want to cause now CB period right we I just stay home and buy things on Foodpanda or something then


I’ll just like go and deposit maybe like fifty dollars or maybe like a hundred dollars and then live off of that for like a month or like however long I can lah, yeah , have you thought about when you start working right uh how would you plan your finances


I guess because I'm quite


fearful of like money right like finances and stuff I actually started, thinking about it already considering how I'll be graduating relatively soon right I think it's, a uh very ongoing concern of mine like how am I going to save money and live an adult life


ya I I, think the most uh realistic approach is to have a fixed fixed deposit account, ah


do you do does that bank is it a fixed account cause I know that fixed deposit you can earn interest also,


ah, I my mom made a POSB kid's account for me when I was younger but , I think it's like irrelevant already cause we have not spoken about it at all and then I think she like merged it with my main uh debit account a few years ago yeah so I just have one but uh the funds are like


very limited lah it's only from my allowance, (hmm), yeah uh I know that majority of the people complain about it but uh I think


I think it's actually a pretty good savings plan like by the government lah, yeah


it's not even just your own contribution lah cause you contribute if I'm not wrong, twenty percent from your salary and then your employer also has to contribute additional percentage


so yeah, yeah do you , do you think that the fact that


they have been raising the age recently for the CPF payout is a good thing or a bad thing, because when I was younger I remember my mum briefly telling me how she'd be able to get a payout when she hits a certain age and then after that she just kept on complaining that they keep increasing the age


I I think even though that uh people complain about it it's mainly because like they don't get they don't get to see the money now and like you know it's a very how to say in a sense a pretty selfish point of view for yourself because you'd definitely rather have something now than wait for it


when you actually need it we're very like impatient people to say lah


what are your thoughts on income tax like do you do you know about income tax


it's the tax authority , , every year every year,


I I just wanted to ask you like do you know that you actually have the option of reducing your income tax, there's actually a lot of ways but the the few that I am more familiar with is through donations


like if you donate a certain amount of money right you can get a a rebate a cash cashback uh it's like deductible from your actual tax payable lah, yeah


, I think, spending money now is mostly because all of us are encouraged to stay home right


food food and like just scrolling through Shopee actually is, the most like normal way of spending money for me, not


!ouch!


ah, I I think it's very dangerous lah in a sense cause uh you in my my own theory right is that you shouldn't spend what you don't have


so credit card is not exactly your money you are just borrowing from the bank at first right and then you have to pay whatever you've spent on I think like because you don't know your own limit you won't think about it as much you just keep swiping swiping then when you get your bill is like oh oh my god I need to pay so much


overspend


but the thing is it has its good points as well lah like, it can help you with your credit uh credit score your your reputation lah if you want to, say apply for a loan or something then they can actually look back on that the bank can actually look back on them and be like oh okay you are you pay your bills on time so you're more of a credible source to actually lend money to


I think


yeah, personally I think when paying for like large bills that are not very recurring right, uh maybe at that point of time you don't have enough money I think that if you make use of your credit card because if you build your credit score higher up so high right then when you really need


say like maybe nine k but at the moment you only have six k then you can use your credit card first and then like source for three k, elsewhere within like uh within the month period lah


ah


I I think having a financer is quite, expensive but at the same time it's very it's a very good investment lah in a way to say if you study finance then maybe it's quite redundant for you to actually get an advisor but then if you don't study in finance then I think like you definitely should get one


, yeah have you have you thought about uh investing


ya ya ya, ya


actually


, uh actually there are like lesser risky types of investment like uh government bonds like that lah


you know like you lend them money first and then they will they will pay you like uh interest every year or every interval that they state and then at the end of the period they give you your like principal amount as well


uh my my lecturers always told me lah like government is quite they just print money and give you it's very very less like not likely for them to default on their payment that's why they are the less the least riskiest people to give bonds to


yeah, I I think budgeting is the most important lah like you know how we we talked about


oh because it's CB I just spend money mindlessly on my phone and stuff I think if like you set a budget if like okay I'm only going to spend this much or I'm only going to go out this many, times then you know you can control the amount that you are spending I think that's an aspect that someone should actually take into account


, earn money


yeah, I think the priority list is more important lah like there is before someone actually when someone thinks like oh okay I need to get out of debt before they do anything they have to reflect for as to how they got into that


right then they can limit the things that actually caused it lah like if you say high interest credit card then that is the first thing you want to pay off and then like maybe, maybe you don't realise it but then every month you are just spending money on little you things that you think are very little but actually snowball to be a pretty decent amount of money like everyone seems to have a Netflix account nowadays right that's like


the basic one is about fifteen dollars every month then if you have a Spotify account also that's like ten dollars every month at least, maybe if like every morning or every like two times a week you go to Starbucks for coffee if you like limit all these luxury things and opt out for like a more simpler simpler way of getting that like maybe like instant coffee or


uh just music that you've downloaded or something like that I think you can easily save up at least a hundred dollars on a monthly basis even on transportation maybe instead of taking the feeder service you can just walk to the MRT station


, (hmm)


so what what do you think like your friend can do right like if he's borrowing money to buy all of these things then what do you think he can do to earn extra income maybe


I I , I think I think the most efficient ways to actually find a job right like if you are working fulltime then maybe find like a weekend job I'm actually looking for a part time job I thought that maybe I should get one that helps me in my like


future maybe employability like that, but then at the same time it's like if my focus is more on like money right then I was thinking there's a lot of how to say uh warehouse picker job packer jobs that are like ya they are looking for people I'm on the SG the Telegram app


yeah, if, if you could work over the weekend then you can like earn at least maybe like a hundred dollars more than a hundred dollars ya that's like set you up for the week maybe more than that also


okay ya I think I think the commitment period also


uh not that I know of actually they did not mention anything, , uh, is


actually do you know


oh !wow! big topics , , I I I think , you know the most common way that people think of is like investing in stocks or maybe just currencies


but at the same time I think that that is quite time consuming and risky cause you have to like, keep yourself up to date you know you you need, to read the news like every morning or like even more than more frequently than that just so that you can make more precise uh decisions maybe if you are interested in that then maybe you can get a


financial advisor there is some kind of a like manager that you can uh appoint lah to help you if you're planning in your investing and stuff


I think rather than keeping a money in like cause I when I talk to my friends about this right they first thing they will say oh when my child is born I'm going to create a account for them and I'll just keep putting money in there every single month when I get my paycheck like maybe fifty dollars or something


but when I think about it right it's like kind of a waste because you put money in but then like the inflation rate is still going to go up, you might as well try to earn money with that like money that you are saving so I I think the most safest way is like banks you can earn interest like maybe even if it's like you earn maybe fifty dollars a year when you when your child grows up it will snowball effect you know


there is so much more that you can just earn out of nowhere, inflation rate can


negative experience, !oof! I think something that err really like you know affects me right is the people around me I I see people like upset or start crying right somehow I will also start like tearing then will take a moment eh who's sad you know


what about you


yeah I I recently had a few people in my family that passed away over the past few years it's like not not even the fact that I was close to them there are some of them that I just


am not close to but then like when I see them is like oh my god you are actually like not here !wow! then like I will start crying then my sister will like ask me, why you like you don't like them right then or like you not close to them why you cry then I say I'm not I'm not emotionless what I'm still human you know someone actually just died how can you not cry


oh my god


yeah, strength ah [orh]


, I I think the one thing that you actually have to think about right when you are letting go of a person in that sense is that this is what what's best for them lah you know how to say like


definitely the ideal situation is not for something so tragic to happen but then if they really cannot Tahan or they are really, put in such a situation where they have passed away then it's like at least they didn't have to suffer even longer


really sets your priorities back lah, , uh I often worry about the future I think cause it's it's something that uh doesn't you don't exactly have full control over like you can do whatever you want but then the outcome is not always in your favour you know


ya so I think that's that's the most scariest thing like all of us now, thinking about graduating maybe finding a job going to uni and eventually having to find a job but then can you imagine if like touch wood something similar like COVID happens again this year there's a whole recession going on then like can you actually find a job


or like, yeah, and like even if you do like get opportunities and stuff right is like am I even good enough to be applying for this kind of positions will I be able to be financially independent it's all like so questionable


yeah, I think the saddest thing is to be stuck doing something that you don't want to do


yeah, I I've just finished my internship earlier this year right and quite traumatic lah cause my first time going to work in an in like the industry and stuff and how to say I've always been set on working in the audit industry or accounting and stuff


but then after that now I'm like even though in my mind it's like oh I have to do this I I want to do this I'm just so like afraid of actually, taking the step to go back and work in the that kind of environment


but I'm also like too afraid to change my direction anymore cause I don't know what I want anymore, yeah


, how about you tell me what you think what, I like corn


ah, , I recently I have started to not like deep fried food as much as I used to ya it after that it just gives me a quite uncomfortable feel lah


no like have to drink so much of water and then like even if you drink so much of water you still feel like such a greasy feeling in your throat,


, I I think


in definitely is more applicable in terms of like your personal relationships lah ya like you give so much and time and effort to certain people but they just don't appreciate or they don't reciprocate that kind of thing


[orh]


yeah


ya usually actually what would you do in that kind of situation if you don't mind sharing,


yeah I I think the the whole


like you know relationships the dynamics change very often lah, you know like you can have a really good relationship with someone like friendship or whatever but maybe they do something that is like quite like they never think before doing this like maybe even a like a normal prank or something right


but it's not something that I take light heartedly I feel like even that one argument can just change your entire relationship with the person my my friend recently had such a situation, whereby her her friends like pranked her on something which she was not comfortable with and then they


uh did not exactly value her reaction, so when she like, yeah so when she came to talk to me about it I felt so like I felt so angry for her so upset I was like why are they treating you like this and they don't even respect you you know that's why this kind of like yeah that's when this kind of concern came up for me lah like


what if people don't exactly like value you for what you like don't give you what you deserve, but you cannot exactly leave the person also, ,


there was a time a few years ago when I was very close to one of my seniors uh, and I, we always made plans to meet lah but we just after a certain point of time he just became like I started putting in more effort and my senior used to like cancel on me even though my senior like is the one that initiated the plans he will cancel and then he will call me up whenever he wants


so I was not happy about it that's when I was like you know what forget it I'm like so done about it, then I just like cancel that person from my life uh, uh, yeah that's when it hit me I'm like I'm not the kind of like someone to entertain you for your just because you are


bored or anything you know and I don't think a lot of people actually think about it when they are like, meeting people for like meeting new people or whatsoever I think it's something you actually need to consider whether someone is meeting you because they wanna meet you or because they're meeting you just because they're bored because like yeah you definitely deserve better for yourself


yeah I, I think like being very honest and transparent about this kind of things is more important especially for people that you are very close to and like you think are very important what is the point of like saying I'm not going to tell you why I'm angry you just figure it out yourself yeah


what what is the point if you are angry you you should tell me what then only I can do something about it if not you have to live with it your entire life,


yeah I think, sometimes right because both of us are pretty easygoing it's like certain times when we someone actually hits our sensitive spot


and we like how you say like volcano right we burst at them then they will be like oh this so new of you like why are you reacting this way you know and then they like they turn it around some I don't know about you but they turn it around to me like as if like it's my fault I shouldn't have reacted that way


yeah so like I I I think after that a certain point of time people just like I start to, think like do I even need to to tell you how I feel or like how am I suppose to act around you if you are going to invalidate how I honestly feel sometimes


like if you should accept it and maybe like move on or something maybe not do it again


I I'm sorry I have a friend that uh I go at like whenever I'm, I'm like very stressed out about something or very upset about something I'm not the type to keep quiet I need to talk about it you know so I share all of these things with a certain like one of my friends and uh the other day I was very upset with my sister so


I texted him I was like oh my god I'm so annoyed I'm so pissed off he ask me oh what happen, and then when I was typing out the entire story so I'm not that type to just say like oh I'm not happy because of this like no you need to know the entire circumstance what were we talking about how did you sound what did you say your exact words you know like


just so that I can like justify in a sense that I'm not happy because like how can you say such a thing you know and it's like if I'm not happy then you have to like write there and then like we have to talk about it right it's like, I already know that you are available to talk to me about it so I got very pissed off when my friend didn't reply me after like I sent the entire thing like if you're say okay you are busy you cannot talk to me for maybe like ten minutes or fifteen minutes I'm like oh okay fine


thirty minutes later you already know I'm very pissed off then you still like don't want to reply me so I was like I just deleted the messages and just typed you know what never mind forget it, yeah


ya then then eventually he got upset and then I told him oh I say you know I'm like this then you still say you still like do this kind of thing then I'm not happy I'm not trying to pick a fight with you or anything it's just I don't want to talk about it anymore you don't have time I also don't have time just leave it


it just brings up the negative energy again yeah


(mm)


positive experience


uh memorable memories I think my most memorable one, is definitely uh traveling with my family, yeah cause you know we are younger right our parents tend to bring us around more often and like


everything is so new for you mah you will be so like !wow! oh my god what's this yeah what about you


yeah my my used to uh include spending time with my cousins also ah you know similar age things right


yes, , especially like when we're younger our parents don't exactly understand our thought process they would have thought that there's something wrong with us cause we are so like our attention span is like so short right but then people our age can actually like understand it's like oh my god this yes and then we get excited over the same things


, my perfect day I’ve


actually started uh liking waking up earlier in the mornings these days so , yeah so people tell me that I'm like a grandmother lah I wake up at like five five AM six AM, and then I will probably like go for a run or maybe go to the gym


then oh this the but actually the the fun part of it is I I used to do this with my dad, I until like up to a month ago where he just like, lazy to go exercise in the morning lah but ya we will like we will walk walk and then we will talk uh about like oh what what is concerning you or like anything are you worried about or what is your idea for the future you know like just bonding time like that


yeah I think because now like you know he's like you know gone back to work more like like a normal day right before pre-COVID situations it's like lesser time that we actually get to spend with each other now lah, but that really gave us a time to bond with each other and whatsoever and


, uh actually we just come back home and then we snack that's the most important right snacks, uh yeah then we start planning for lunch and then uh my dad likes to uh experiment with cooking lah actually it's like I think it's a thing in the family now all of us like the experiment stuff


so we would like talk about oh should we make this should we make that what vegetables do we have and then after that eventually the most uh the highlight of every day is our afternoon nap,


yeah ya it's the most important it's like oh okay it's three o'clock okay thanks uh that was enough for today I'll see you later , yeah we will spend like three hours in our own rooms either napping or just using our phone


after that uh my my mom would come back home because my mom has a more uh, fixed schedule than my dad so in the evening it's when I spend time with my mother lah


she will she will come back home and she will start gossiping about her work things to me it’ll be like oh my god you know this person they said this today that person said did this today and then I will just like drink coffee or maybe like she will ask like oh do you what maybe like are you gonna to make a snack for me


yeah what about you what's what do you usually do, (hmm)


, ah


of cause music must always be playing in the background you know like some company , ,


yeah, , oh my gosh we're just talking about Briyani earlier today right


uh but but actually my ultimate comfort food, is my mum's cooking I I don't understand it's like it she cooks, very often right like every day also she make curry so it's like nothing special but then like one day out of nowhere she's like oh I make prawn curry for you I'm like for me


okay thank you that that's the best, yeah and the best thing after that is to nap that's like a must, yes yeah, oh


!wow!


, is like you you just saving yourselves right ,


where where is the where do you think the like best Briyani where have you had the best Briyani


ah, oh


that’s like double the happiness, , ,


(hmm), do you like have a favourite snack from your childhood


oh oh yeah, ya I I don't know where the packaging went but you know teacher’s day was very


recent right so my mum had a celebration she came back with a bottle of those, they they have it in white and they have it in pink also , it was so extra but it's so cute


, the the the the wheel one right the cartwheel one !wah!, oh


[orh] [orh] [orh] yeah is it the the white packaging one uh yeah ,


I use I used to like the purple I think it's called super rings or something right ya you pick with your, fingers then they will have the orange powder around also the the most, Shiok thing is like after you finish everything you just eat the powder


!wow! yes but other, than other, than that right I think oh when I was in kindergarten this this actually very funny my sister used to complain cause I got a fifty cent allowance every day but it's only for like a fixed thing I always go to the mama shop and buy like the lollipop there


I think at that part of time was fifty cents yeah , it's like my routine you know like everytime I just finished kindergarten I just go buy I buy my lollipop I come back home then I will drink milo


what do I love about life !wah! you ask a very difficult question ah , ya ya ya ya


uh, uh, okay I I think, the thing I like about life is that it's quite unpredictable lah


you know like you meet people by chance and then like those people just suddenly become your your best friends or like people you talk to everyday right I mean think about it how did, we how did we meet we we met through CCA like not even like actual CCA we met through the the orientation thing and within like what a few months you left the


CCA also but we still ya, like we wouldn't have expected it what right, , did did you just did you just take that as or is you love me that's why you love life


, okay it's base up to interpretation,


, I'm I’m so nice you know , , someone someone told me that I'm a very comforting person


like I I they talk to me and then they just feel like oh I can tell you everything, so I think like I was like oh that's so nice like I bring joy to you that brings joy to me, yeah


ah, ya


I think that's a thing right that like whatever energy you put out is the kind of energy that you will receive or is it the other way around ya been trying to change my perspective lah over the past few months it's it's working you know it's a positive thing ya


uh oh !wow! uh, right I I think, uh a childhood dream of mine right is actually to perform


ya I ya, yes so I I, really really want to uh perform maybe like on on TV or something but then I kind I realise that that is , a very difficult thing to achieve


then I realise I think around like someone in secondary school I want to become a teacher at some point of time like, be somebody's like mentor like that and share knowledge or maybe like help the person get through difficult times maybe


ya what about you, !woo!


I know our goal our goal is to be the rich auntie


yes , ya that that's the best thing you know it's like I I'm not committed to like , actually have to do this but you know doing it brings me joy


ah, , I've I've


thought about it this is something I really wanna do at one point of time I I want to like after I become like how to say in a sense financially independent I maybe I want to take a break between jobs or something I want to go to like a country and live there for maybe like a few months


because that's when you can like actually experience their local lifestyle or that's the kind of timeframe you need to to eat all of their food like that's the most honest thing lah, but


food , oh yeah, but like you know if you wanna travel the world then that's a like that's something you that is like !wow! so much of knowledge you can take in you know


I want to live in Korea for a few months, yeah, yes it's no I've been watching this cooking show and they keep talking about food and showing like videos and stuff right I really really feel the need to go there and try


yes ya ya I'm not gonna lie , !woo!


yeah,


it's like always on the go you will always have something to do always have plans, (hmm)


yeah, mcdonald mcdonald will be open , , actually the last I heard I think they close at midnight they close at midnight something like that


yes , me uh I'm thankful definitely for my loved ones lah cause, they all my friends especially right if you can Tahan my nonsense then like I love you I'm so thankful for you


(ppl)


financial related topics, (hmm)


you want to start with do you have a saving account, can ah me sure why not, for me I have actually I actually have two saving accounts which is OCBC bank account and


my standard chartered uh jumpstart account actually, from uh I actually have three bank accounts but then, my POSB is more more for like uh daily spendings and whatnot I usually


it for me we still have received monthly allowance right so monthly allowance and then also a part time job , so I would set aside certain amount, from like my allowance and my pay weekly pay, into my OCBC and like my standard chartered


since both since uh OCBC no OCBC has a lower interest rate than my standard chartered account which is has a one percent rebate eh one sorry one percent interest rate, OCBC if I remember is if below one thousand if below ten thousand is zero point zero


five per cent uh only about above that will be zero point one, and POSB just zero point zero point five zero point zero five percent, so usually I'm trying to grow grow the money inside OCBC and also standard chart my standard chartered account lah, how about you ah


that's all already how did you receive your passion passion card for your POSB debit card, ah


then for me since I using a normal POSB debit card then if I want to change to passion card do I need to state the same reasons or, or what


can you do it via online also, ah so ah


debit card ah ah two times oh


so currently you holding a debit card then how about credit card, same same, oh boy


ya true true I also do not own a credit card and I don't think I will own it anytime soon as of now until I get a full time job and a proper and a proper stable salary of course


but cause credit card ya lah like you said I will tend to overspend definitely, are they, (mmhmm) I'm using the OCBC bank account I


I use POSB OCBC and standard chartered POSB is like my spendings account then OCBC and standard chartered is both my savings account but I save one for what one one of my OCBC account is more for more like for safe to spend


like I save I save up to buy this laptop or I save up to buy this item, , and then my standard chartered is the one that'll accumulate more lah


cause the standard chartered one has a one per cent for member but that's only if you reach until twenty thousand the first twenty thousand, if I recall lah frank account frank account yup (hmm)


I'm not too sure on that, but it depends it depends on what their goals and what and what they want to spend on and also what they want to do to do with the money lah for example if they want to sell for house or save it save up or you doesn't spend bills and you can put a joint account put the money in and then use that account to pay for the bills and whatnot


or you can use it for other things lah I do not have any experience on this honestly , because obviously I'm not even married or anything so ya then how about you


yup that's that's right (mmhmm)


our family issue and whatnot, yup that's right I agree, I'm not too sure cause we don't really we're more conservative so I don't really we don't really talk about these kind of things to be honest


yeah, no I just google it myself man, and anything I ask my brother also to be honest, (mmhmm)


oh that's good for you then at least you can learn and and then you should learn from their experiences with it to be honest, first bank account only ah


really meh I think is the I think should be should be fine lah at our age already, oh okay nice


ah I see I see, (hmm) I'm more of a fixed deposit to both to both my accounts like minimum fifty dollars


or hundred lor hundred, depending on how much I work for that month lah cause part time cause I'm still a part timer mah, (mmhmm)


and how do I locate it for free lah ya,


ah true true true , oh my god oh no


oh that's good at least at least got your money back, (mmhmm) ya third


to be honest ya money I mean money is still money and people take sometimes tend to tend to take take it for granted even though is thirty dollars, I know I know


right right I know I know the I know the feels it's alright, , (hmm) you mean from issues like yours is it as of as of now


not nothing that I recall of ah, ya done, I haven't read I haven't face any problems or issues with this it's just a normal transaction lah like paynow paylah and just normal ah, (mmhmm)


for them to manage for them to manage on their own is it or is it something that we control


for me I should I will only control until a certain age like around maybe sec one which is like I think thirteen, ya around there, and then I'll maybe, ask them if they would like to open a bank account on their own, if they want to start saving up or anything I will just


advise them lah and see whether not they're interested in it or whether they want to it save save their money, so maybe around age of age of thirteen around sec one or maybe sec four lah which is what I which is what I started around cause I just start I just got a job around that timing


so as I open up my own bank account around the around sec around after o levels lah o levels so I work I got my money I put inside a bank account then segregate them and allocate them properly, into OCBC frank and my POSB ah so it really depends lah


and also need to know how your child's thinking, and how your heart and see your your child's uh spending behavior, we can


uh definitely of course of course, (mmhmm)


of course yup


do you have any like do you use use any app apps on your phone to keep track of your spending like spendee or anything, (mmhmm) ya ya


why not OCBC also has a token if I remember both both will require one about one week cause I applied through online right so I took what about one week to item to deliver the token then I can use, for both of them oh really


oh really I I have a digital token for the OCBC eh are you sure, I'm pretty sure you can try request for for token ah I'm not too sure try checking ah


(mmhmm), sorry, loan nope, I've not never thought of using a loan as of now cause


ya I'm quite grateful lah my parents are still paying for my paying for my school bills or whatnot but so far, obviously lah (mmhmm)


yup this is why I actually plan myself to have at least around, ten to twenty k, with by the time I won't by the time I graduate from poly and NS and ORD from NS so that at least I can help


to pay partially of the, bank loan lah if I want to actually continue my continue ad further my studies for in uni, so


ya for me I set I'm setting like goals lah every every year to at least hit this target, to her I can at least rich by the time I graduate at ORD and graduate from poly and then I want to enter uni or maybe continue work at least I already have that money set aside instead of taking a loan and then adding a more financial burden on myself


(hmm) so you planning to work


work after you graduate uh ORD for NS then you go into uni is it, ya I know definitely yep, anyway it's a must anyways to to go NS if I remember after poly or JC


(mmhmm) again I planned


as in you need to for uni or you mean for work and what not, from here to uni as I as I uh as what I mentioned already, plan to save and study and whatnot and graduate from poly hopefully and then after then won't go through NS and maybe go straight to uni


if I'm applicable for it or either , or either work first lah then go uni and and continue my studies (mmhmm)


negative experiences in your life, okay, so what's your biggest pet pet peeve


ah belittle you


especially when they try to belittle you right


for me my biggest pet peeve is when people try to belittle you and, take advantage sort of like take advantage of your insecurities lah that's my most biggest pet peeve and then when they, especially when they use my insecurities and use it against me, and then they they were even even try to said in front of other people


I really hated because and then, I , that's why that's why why my my trust with cause my experience with people start to went down went down lah downhill, like they they they tend to not realise what they say then and it's and they say of all these things right


it tends to, how say he makes me more piss lah and it just ruins my whole day, and not not even just that it makes me feel more shit for myself to be honest


pursuit of happiness the part where will smith finally I forget the character's name but when will smith finally got a job at the end, and then he was he was tearing up, I agree yup


ya you cannot avoid you cannot avoid because it, oh no no no he was wearing like a he's always wearing like a business suit which is like very but then really like


uh worn worn worn out ah very worn down, and then he always like he he always has his son but the thing is they they're very they're homeless, and then he's the father is always like jumping jobs here and there you know so was trying out for, the different things lah but then always get kicked out always get always uh spoken back of ah and people always talk bad about him you know talk negative things about him he but then he is he always have this strong persona in front of his child


and then he always try to protect him no matter what, especially especially the parts when they are moving around around the city to like stay stay here stay there, there was one of the few scenes also was especially when they were staying inside the toilet the the he lock the father locked up lock lock the toilet lock the toilet door then after that just stay inside and then and then after that he was trying to sleep


but then somebody was trying to trying to barge in lah so he tried to just close a he just try to , uh push the just trying to push the door so that nobody can so that the guy cannot barge in, and he was tearing up also because like of all the of all the things he think can you imagine imagine a flat the things that he's having


at that at that the things I was thinking of like that for a point of time


oh


what I dislike about the younger generation, older generation maybe, maybe when they try to say things like oh you are too young to understand this oh you're too young for this say too young for that, or you won't understand this


I don't like it the fact that they I don't like it and the fact that, just because they're older right they means that they know everything they have this they always have this like, mindset right especially you ask younger younger generations


and I thought we they will say like oh why you doing this it's very stupid of you like why you doing this especially when you ya really judgmental, and then you tend to like judge yourself, because of them you will think of you will start to tend to judge yourself like based on what you did like what did I did wrong like I'm just trying out something new why can't I


like why you why you trying to do this to me I just trying to try something new or either like, especially when the older generations tries to, uh burden like not really burden us they try to place things upon on us like as they tried to place things on us to make us grow up you see but when but then but then


right they say this they say this to grow up right but then they always say say oh you're not old enough oh you're not old enough to do this I'm like, you kind you kind of like conflicting yourself to be honest, ah it's true life (mmhmm) ya basically


(mmhmm)


actually adding on actually adding on to that I feel like regardless of any generation people would do experience this kind of things like backstabbing lah , it will even in the workforce and whatnot even the older generation you will see conflicts and and like people talking bad about each other behind their backs


definitely (mmhmm)


of course of course,


for me it depends also ah on the people that you that you seen experience with lah but for me also the younger generation I also dislike about them is that, they're they are too fixated on all this


on their like mobile phones and devices and then they think they're always better than the , than their parents sometimes actually, I've, (hmm) ya pen and paper


pen and paper literally, phone and ipad, ah I know right


the the worst part right is when they are very, the worst part right is when they are very ungrateful and like very unappreciative of it they will always be wanting like oh I need to get this new iphone oh I need to get this new ipad or I need this new bag I really hate it they are really ungrateful of what


I mean not not to say all of them lah but generally see seeing as what I've seen yeah lah they're very materialistic, per se, oh oh yes yes yes


the, the cool the cool things ah the cool thing , hold on ah I'll on my light for awhile, okay I'm back


I feel like that was definitely in my secondary four, where during my o level the o level period lah basically, I really, that was that was say my worst my really my most dark most bottom ah


I, I really feel like everything I've done right was for nothing, and everything that I do is literally means nothing, and how to say


I all the anxiety and the frustrations and everything to always, you need like you you keep telling also your parents will keep telling you oh you need to, pass need to do good for your o level, then I know I I didn't they don't pressurise me but I pressure myself like cause I know the I'm not doing good enough to like even to obtain like results that that I


need or want, to , to pass my o levels, and I and I feel like if even if I study more right I feel like it's just pointless at that point of time , and I start to think more work, why am I even doing this what's the point isn't it just isn't it just a waste of time we can just do we can just do other other things


that's why I just start to like ah that's whatever ah playing uh play just play game, just play game and whatnot just distract distract myself lah basically but over ya but then over sec four obviously being o levels and then you have your prelims


that and then when I did my prelims I still flunk everything else I was like ah crap I need to buckup for my o levels then I keep I keep trying to do do do like I still keep getting the, still still keep like


failing or like sometimes I passed sometimes I failed like, what's this is just repetitive lah it just nonsense like, just it just not working out, (mmhmm) (mmhmm) ya I see I see (hmm)


I can't recall any embarrassing moments that I, not really maybe more more of like maybe my injury moments it's not really embarrassing lah it's just like maybe my injuries that made me realise that my parents actually do think do actually care for me lah because like uh


that time when in when in sec four also I was I also at the start of the year already I already when I was in my first rugby competitive match, and it was since is the last year it was going to be the last, time I'll be competing in then uh I I got I got injury I got I got a minor concussion I think


that that during that period right when I was just zone out very dazed and confused don't know what's going on, I will just lying down on the on the ground the that time when my when my when my form teacher he called my mom after she was


literally crying over the phone saying what are I was like she's like how you how you get injured you why you do this see I tell you not to join this sport to give me right then I was like, oh my god I didn't mean,


I mean sports is always a risk lah and then


(mmhmm) (mmhmm)


(mm) I see I see


positive experience in your life,


the small things that make me smile ah, , usually, the small the the stupid, idiotic jokes that me and my friends will do, or ya just smiling at the cat photo literally or just or just every time go driving driving to school listening to songs just jamming to my music it always makes me smile lah it depends on also the mood and also what songs I'm listening to


(hmm) how about you


(mmhmm), especially when you continue on that joke right


I know I do , I know right, oh my god yes that's the best, okay okay next one next one


(hmm) I start first ah for me, what I sacrifices ah, usually when I when during the exam times then after I want to


I want to study but then I need to, I want to spend I want spend I want spend my family time so like oh okay so I just I just like, ah screw screw studying honestly so I just go so I just go spend time with family go go Makan eat I think that's like the most I think that's like always the most worthwhile thing ah to always spend time with your friends family and your loved ones


it always makes me smile lah regardless of it regardless of it like you imagine imagine the amount of tough shit you've been through and studying panic the panic the stress the all my god no the difficult difficult studying stuff imagine right now we are students right


then you imagine us as working adults I think the best part the best part is always when when spending time with my family lah and my best friends which is like worth it to me lah, how about you oh


ah , oh my god (mmhmm)


!oi! damn, oh oh ah I see I see


wait what CCA were you in at that point of time, !huh! speakers's society eh then you join NDP


ah no wonder, that's cool, oh my god


difficult lah starting starting only mah, ya ya


you don't feel pressurise meh or stress when performing, it's not just imagine the others getting toppled over you !wah!


Chiong ah Chiong ah Chiong ah , oh finish raining is it oh no (uh huh) ah I see I see


, !wah! best sia, definitely man definitely


beside the thing for a bit cause I actually have quite a few shows that I like, like harry potter the harry potter series, or like, as as star star wars !oops! , which one ah


how did you not know it's so obvious, but (hmm) (uh huh), the prisoner of azkaban


(mmhmm)


passed on yup


and I am one of them , really meh I feel like, no lah but then if you go by the book right dumbledore is meant to be a very calm uh character as the headmaster also


(mmhmm), but he didn't portray really like calm vibe


if you if you if you ask me lah I prefer the first and second uh dumbledore the first second second actor for dumbledore because it cause he's really calm calm and soft spoken if you actually realize lah, and also like watch it you got watch or not sure or not


ah ah I know right


ah same same haven't, the main storyline obviously, I think the most saddest one is literally the star wars uh what's which movie is that again crap, is let's just say is four point five ah which is last I think the one that last year came out is it last two years


oh not the not the final one the one before that, to explain how they got the map, they the map of the death star


sub movie meh I'm pretty sure it was part of the storyline just they were just explaining on how how they actually got how many people died, I I think is five, ah shit oh no , (mmhmm)


lots of lives were lost, ya they did they already escape they already escape I also forget lah I also forget


but then I think that was once that that sub is it a sub movie I don't think is sub movie I think is definitely part of the story main storyline, ya, that was that was the most saddest I have never seen so many people


died in that one movie, (mmhmm) (mmhmm)


ah true but in time I can, sorry sorry, ah but to me as rey portraying as a new protagonist is also is also not bad cause it's like a empowerment of the the females you know


isn't that means she that means she portray also quite a strong vibe to portray a strong character eh, which is quite good ah (hmm) a bit ah


oh boy I think she I think she's quite okay though but I don't know not just a just a my opinion lah, no the actress for the captain marvel they say that she's a bit arrogant lah to be honest I mean according to what the people that have also


the people that that cast that work together with captain marvel they themselves also say like if you if you realise right, if you realize right that the whole avengers cast was not really close to her if you realise lah compared to like the, yours you should watch you should watch the cast actually the questioners and whatnot they'll all like considered bad mouthing her bad mouthing her ah


(mmhmm), three things in common ah I don't even know what what we have in common sia we just do whatever we want me and my best friends we just fool around just make make jokes


eh that's not true maybe cause of experience and whatnot, nah


I feel like just all the lame jokes and lame puns and maybe the common music tastes I guess, ah oh my god for (uh huh)


they make it they make something serious into something stupid and funny right ya I know I know, , oh ya ya ya ya ya ya is


which is I don't know good good or bad thing to say but depends on the situation I guess you can say, (mmhmm)


oh my god, then !siala! like that then how do you deal in a serious conversation sia like that ,


, , oh my god but it's really relatable relatable ,


who hasn't who hasn't who hasn't, , , (uh huh) ya ya ya exactly


oh but don't mess with the teachers that are very the ones that can really scold eh,


eh but I don't like those teachers are very fierce one eh , but you know right they will always have that one class joker that in is on the class they'll make it they somehow turn it upside down


, , okay okay


, one place I love to visit can I say my house


okay okay okay okay okay fine fine okay (hmm) (hmm), I really don't know eh okay ah Sentosa the beach the beach lah basically, I definitely Sentosa how was it ah


but I know one place to me sentosa lah definitely,


, oh no oh


oh better not touch that one sia


sentosa definitely better to me lah plus also you can sometimes hear the people partying oh they just they just step step to riff, ya my fault


east coast park also can do that mah, , !huh! oh yeah,


I don't know, I don't know lah to me no difference ah I just I just like to go into the, beach and just enjoy the sea breeze just play calm music calm music or just jam to whatever songs that I want with me and my friends and then just talk about life and whatnot is one of the best feelings ah honestly just sometimes if so if have a if you get a perfect night right where literally is the


the sky is clear right you can see there's actually stars in east coast park and sentosa literally the best, to me ah ha (hmm), maybe because maybe the positive vibes or energy


, (hmm), go [jer] no fear


, !huh! okay okay, sorry for the that one


financial related topics, so like what you want to start which topic want start first


saving account, can can can you want to start first, okay, so you tell me about your like about your saving account, (uh huh)


so for me I have two bank account one is POSB and the other one is OCBC the frank card , I use for uh the OCBC card for my savings as I find that , the for my monthly if I have a job my monthly payment will come earlier than POSB


so I, usually will use OC OCBC as my saving account and POSB as my spending card, because I feel that because currently for POSB I'm using passion card passion card has a lot of benefits as it can give me like discount for like KFC like one dollar discounts and other benefits like Watson


so usually I'll all the money will save in my uh OCBC so I will transfer money inside my POSB for spending, but I find both has good benefit, for OCBC is usually for like early, earlier


salary and for POSB is mostly used for spending, so I think both feature is good for for both banks


okay uh when I started open my bank account I use, the normal POSB ATM card, but after a year I find that I want to buy online, items, and also want to get some discount so I find that I changed my card to the passion uh passion card


so I will going so I went back to the bank and I I I request for a, a debit card so they will ask me like reason why you want to change to debit card so I gave my reason like I want to use it for like , online shopping or online spending or also want to use


for like discounts, uh something et cetera like that, ya, actually depends on who is serving you at the counter


some usually will be like okay but some, will be like asking you extra question, but, I think now right currently if you want to change your card they'll will use this, automated, uh machine so you just


talk to the machine then they'll, give you the card through the machine, uh no you just went to the bank, because the bank has a personal banking and, was


once you talk to a person or you want to talk to the machine so there are two choices, so because last time also you because I got sweaty hands right, so usually I need to change my, card, because of the chip there is always get dirty so every time need to replace my card I need to go to the machine uh machine


so, the reason right they will ask me is either I lost my card or, like, ya damage so I always take to say damage, so currently is like happen two times this year already , I have to change my card two times


okay uh currently I don't think that credit card is a good benefit for me since I like to spend a lot , I don't want to say my every my bill every month come out three hundred plus , that will be a nightmare especially now currently I'm study


so I I have no job so I don't think that is a very good thing to do , so I think debit card is still, the most stable thing for me, how about you oh okay


okay okay but currently you also say you are currently using OCBC right, do you use POSB you you use it so for okay


so basically like the that bank account usually use for the wanted items that you want, the things that you want to buy, ah okay okay


so currently your OCBC are you using the normal card or the frank card, okay okay, so do you think couples should combine their finances and open a joint account, for


for me I heard like my relatives they like their marriage my, after their marriage they usually just open a joint account so like all the emergency, like emergency cases is all save uh save inside the joint accounts, usually, I think couples right if I don't know due to marriage context or it's just like


boyfriend girlfriend haven't married yet but I think, for joint account is more benefit for married, couples, because it helps them, it helps them to save their money together and also like, share and also maybe like prepare for the future


in case like any emergency like hospitalisation bills or any like house issues or maybe for their future ya family issues or like future children, do you have like any relatives like using a joint account


uh so have you never had ask your family about like, like about how does bank work or everything, like


for me I started always like usually like to Kepo with my like family members usually I want to ask like ah what is joint account because sometimes they'll like talking about banks so I was like what is joint account and what is like, like you know personal banking then they like say like joint account usually for married people then like personal banking is like their own individual savings like you don't want other people to touch


ya, so ya something like that ah, but that one that one I need to ask a lot of times usually they don't want to tell me until a certain age they only tell me when once I get my first


bank account ya , yeah my first bank account then they told me because they say like I'm still too young to know about this , I mean now ya but


I ask them when I was still in primary school , I know about joint account in primary school but that is just the basic knowledge about it, so like do you have a high yield bank account or a fixed deposit


ah okay


for me usually, it will be a fixed deposit I because like okay for since all the money will go to my saving account, so when, I will always say like okay depends on which month was it if is like not during the holidays I will put like around less than a hundred like fifty dollars or seventy dollars in my bank account because is not during the holidays so I will be rarely going out during the weekends but


if like during the holidays I'll use like I'll like spend put around like two hundred dollars inside, so ya so I think, that also will help give me a good


mindset like how to save my money, ya that that's why for me right I just open two bank account so it won't it won't has not not much of confusion so it just like you know okay this card is for spending then this card is for saving so like you know


how much money want to put because right if I got like more than two bank account I will be like eh where did all my money go , because like one time right I was like transfer my money to my POSB bank account, then I was like when I


open my POSB bank account the money was not there then I was like I panicked already so I was like thinking did I send some to someone else, so, when I went to the OCBC they say there were has a some system problem so they the money was like lost somewhere in the system


so after a week I yeah , so after a week I got I received my money back in my bank account so I was like I'm so glad, because usually if you send but because currently now right they will send everything through email, so when I open my email right there was no email of receiving


my thirty dollar money , , so when I told my friend about this they be like !aiya! thirty dollars only what then it's like thirty dollars for me right if I'm not working is like took me like a week to get thirty dollars without eating , ya


ya I mean like I told them have thirty dollars is not easy to get if you are not working because I'll only receive six dollars allowance per day so I need to survive in a week to get thirty dollars, ya ya


so for so do you have uh like any experienced on this, ya do you have insurance like mine okay okay


so like do you think at what age should a child be given an ATM card to manage their own bank account, like for example is currently we are still studying if you have, a child, do you think you should give them a bank card uh sorry a bank account


or bank card ATM card, uh in, in that perspective did, do you think you should let them manage themselves or control, or you should control them


okay ya I think


for for me right I think okay for saving account I'll, create for my children when they are since they are born so , but I will place it under my account did so I'll put I'll open another account in my card for only for my child


but but right, for ATM card I think like the most suitable age is sixteen, because that is the age legal age for them to start working because if you see at any job scope or like any job they'll always ask minimum N level requirement that's the minimum requirement


so I think sixteen is the perfect age to, to start an ATM card for a ATM card for a child so the saving, from their six first sixteen years of their life right, you save for them first then after they have they have their own bank account


you save it you will transfer those those money and put it at their bank account, that but you have two choice is either you just, transfer the the money to their bank account or you can, put it on their bank account but you lock that money so in the like cause until until they reached the age of twenty one then they can uh use that money


ya, I currently using okay I have uh POSB iBanking and OCBC iBanking


okay these two okay there is a two different, these two apps, work differently for me because for POSB right you can, track your saving your like your money currently inside your bank account without logging in but for OCBC you need to log in then you can see your money


both ya both comes with fingerprint recognition so it's a good thing but I think POSB has a better feature on it, and also like, okay if you want to activate fingerprint right for that for POSB or OCBC OCBC and you want to activate you need to wait for a letter for the pin to come because we don't have the


token key like POSB, POSB give us the token key so we can just key in at that spot but OCBC need to wait for a letter to come, so that's


but for me I currently using the, token they gave but for OCBC I don't have the own digital token they gave me a letter instead ya, so is just want to activate the fingerprint on OCBC right I need to use, the


they need I need to wait for a week for the letter to come, ya I was wondering also like how come all my parents have the OCBC token but I don't have but I think during my when I sign up I think they are no longer using the digital token so everything comes with letter


I'm not too sure about it ah but it's a one time token thing, so (hmm), do you have any experience on getting a loan


do you have any experience getting a loan loan


I mean like currently now our fat ya cost like cost is now is currently still okay at least we have like financial aid everything , but, I think like once like university level right I think financial aid still not enough to pay so I heard like some students like get loan uh get loan to pay off their university fee like course fee because it's a very expensive like thousands of dollars


so like after they finished their uh the university right after they graduate their with their degree they will find a job and pay back money, ah depends on their financial lah, uh


I mean is a good thing if you like start now ah should save like ten to twenty or maybe like thirty dollars then you like every time every month you get your salary then you put thirty dollars in your, saving account to save for university


for me I think right if depends like my financial status if like I think like if I'm not I have not enough financial aid I'll start working first, then maybe if I have, enough working experience then I maybe apply for my university


ya, uh yes I will I mean like I already deferred two times so I think after I graduate from polytechnic I need to go NS straight away


ya so i think it's a good thing [loh] ah so


for you so how about you, your so what's your plan, currently now, ya uni like from here to uni okay okay okay


negative experience in your life, and I was like eh, okay okay for me right like what annoys me the most is, basically like uh how to say this ah


usually I've I sometimes I am fear with a lot of people because I feel a bit uh I got a lot of I feel a lot of negativity about myself because, you know I don't feel I'm perfect, ya, so like what annoys me the most is when someone trying to be to like


being better than you, and they always give you their arrogant smirk or give like say like oh I'm better than you, like you cannot make it, and they like I mean like you got no motivation when you got no motivation you feel very angry and you feel sad ah then you feel like


oh this is not the thing for me I feel like I going to give up soon, ya so how about you, I see then


I think


I heard that movie before I think it came up in the internet a lot of time before, ya, is it the one that he, like he's like wearing like a street clothes like that then he wearing a cap, kind of I see I see I see okay uh


for me right like a movie that always made me cry right it's always came from anime movies because I find that anime movies right, like they have, they have the, background effect sound effect and visual that, gave the a person


very sad emotions so is like, the saddest I watched right was your lie in april and a silent voice, for your lie in april right so this girl is a, a violinist and the guy is a pianist so


the guy right after he like, he like have phobia with playing piano so, this girl I if I'm not wrong she have a cancer or something, so this girl like, motivate this guy so she helped this guy love to play piano back


so in the end of the movie right the girl died, ya so I was like when I watch this movie right it always reminds me of like, , but how would you lose a friend like that like, you had like imagine that it's your very close friend, then suddenly uh


one day they just like pass away they got no one else, to talk to ya something like that so like, describe what you dislike about the younger or older generation


ya actually I understand


ya I mean like judgmental right, I know right


I mean like I mean like what we experience everyday ah, for me like between younger and older generation right I feel like if I want, will be, part of if I can choose which generation want to be part of, I would choose, to be in between


because I find that both has its negativity, but if there if there is a choice to choose one I would not choose the younger generation, because of like , now most of them is like mostly like, for my experience ah I mean like, younger generation currently now is not not very how to say that serious with like huge things like


what is currently going around the world like, they don't care I mean like they said all just let it be, sometime they don't know how is this like a small thing can affect all of us, ya so and they were toxic


not to add on they were toxic, the toxicity of their personality compared to younger older generation younger generation right their toxicity right is like in front of them they will be very nice, but when you look behind them ah, they they will


they will talk bad about you, ya, and that is how I have a trust issue with people sometime sometime like, oh they're very nice but sometime I feel right you know like it's going to be one day I feel very, like oh no I feel like they are


talking bad about me but they just try they just talk, just because for the sake to talk, for me ah just not make make me feel bad, ya oh ya lah but ya


but I think older generation right I mean like old people right I mean I I some middle age ah for me older generation are not included from middle age, older generation is something like around they're fifty, so is like for me right okay older generation they will be more direct with you, okay because I from experience lah I think I find that they are will be more direct with you


and, also they can give, advice better sometime ya, advice to make you feel better and, how to move forward their advice is better compared to younger people


cause sometime younger people right, some people eh some younger generation they will like they their advice to let you move forward right is through, physical you know what I mean like physical ya, I mean like, you fight the person then ya that is how you settle I mean that is not the only thing


I if you, older generation they will always they will ask you to like how about you talk it out and maybe you can understand you ask her like what's what's wrong is that or just go, to conclusion ya, so that's what I like about older generation because they don't


most of them they won't go to uh straight to, conclusion ya


well currently now we are in a technology era so I don't know how to change that, we cannot undo that is depends on, the person itself, I mean like, like how to say during our time


they have no phone during primary school we use the, how that the pay the paid card for the call the phone ya, now, I see primary school, now like they have their iPhones , iPad s lah !wah! so rich ah then their bag and wallet not to say about that


branded bag and branded wallet my wallet is just a, popular wallet you know that popular wallet if you can find that, the cheap ass wallet the ten dollars , cause I


ya I mean like my time right I want to buy a pencil box ah you know I saved my money to not eat like two or three days just to get a pencil box at the bookshop you know the rectangle pencil box the one that you can open then there's a sharpener inside, ya that's like not cheap and that is like the one of the


considered like popular things back in the day if you like ya the cool kid the cool kids if you have that it means considered you are like one of the cool kids, okay okay


okay so like okay we move on to the next topic right, I want to, I want you like describe a time where you feel that nothing you do is good, enough why ya I know right I know right I mean ah ya


I mean like we all experienced that, thing ah, but for me when comes to, I feel nothing, that is good enough for me right because I always like to, find my, compare myself with my cousins like relatives or friends


I mean like I have a cousin has the same same age as me he also taking the same stream, so is sometime right you know, I mean like, for my family they don't care but for me right I feel like, I'm not good enough because I feel I mean see he can do


a a lot better his academic is good he's good at sports, then for me I a lot of things I can not do I mean I'm not, very good not a pro even though I'm, can play sport but I'm not very good I'm just like very beginner stage I feel like I will stuck at


that spot forever so so that what, time I feel like oh no I think I just going to give up on myself, I mean at my N level I studied so hard, then when I received my that one I, got, nineteen for my N level I study so hard you know I slept


especially during my, food and nutrition coursework was like took me until like two AM to sleep, my coursework then I was like, my over overall grades I got, nineteen then I was like oh no I need to go ITE, I mean I can go to sec five but I don't think that is a good choice because I know I will do very badly with that uh with that grade


so I go ITE outside oh no I I think I cannot survive with the people over there, cause I know is like a whole new world, so when I go ITE I was like very scared to talk to people because I thought like okay because like other people told me about how ITE, looks like that and looks like this but


after a few months right I feel like not everyone is bad I mean like there's some people, who is very friendly, ya so we help I we help each other out so, how I get my motivations back right is when I, got my


my first sem GPA I got three point five and above then I was like oh no is this true is this true I was like three point five that was like, I like one of the best like one of the top twenty five percent the cohort, so I was like so happy, so that is the point that I have motivation myself I find that


or maybe that is still chance for me to prove myself that I can I can be better than the rest, I mean like care or not I feel like, ya I'm comparing myself, ya, I feel like compare myself to the rest but I that's how I feel ah because , I have I don't know how at what I why I feel this way but I have experience with


people always like to think that they are better than me so I want to prove like and at least I can do something, like I can be very good, good at something that no one, can do better so