that's horrible , I guess mine's more just a light situation when I want to get to a certain location in time and the traffic lights are the red


the bus comes late people are blocking my way on the sidewalk or some shops aren't open when I need to find something it's just so many obstacles in the way when I set aside ample time to get to the location on time and it just nothing seems to work out ya that's when I feel like it


for me I guess that's when, I care about people sometimes I'll make gifts for them, , one of the times I tried to make food tried to bake something I put a lot of research into it and I tried to do get the best ingredients and uh decorate it the best that I could and wrap it up with the best packaging that I could find and


the person just didn't really appreciate it and, didn't think of how much time and effort that I put into it and just said that it didn't taste nice so that felt like uh I cared for them but then they did not put factor in my feelings when they were giving response ya


part two positive experiences


okay for me after experiencing the whole pandemic and the lockdown I'm just really thankful for the healthcare workers who have to deal with the emergencies on a daily basis and put their lives on the line to save ours, I'm just really thankful that they're there to


offer their services and I'm also thankful to teachers normally they craft just the curriculum for the students which is hard enough and now they had to craft a new curriculum that is suited mainly for E-learning and that's just really it amazes me how how


how much that they have they have to do for the sake of the progress of their students and I guess I am also thankful of my time at home thankful of time for me to, uh work on myself it's just helped me to uh discover myself and uh work on bettering myself ya


okay for me what makes me persevere is the thought of success in the future so I want to be able to make enough money to spend without any worries live comfortably travel the world


ya so in any hard times I just think of being able to go to japan to korea to australia just travel see the sights enjoy the food and definitely just looking forward to a future where I can spend time with my loved ones


for a very happy and a long life ahead so, ya it makes me happy to think of, uh secure future


uh okay well for me I guess , me and my group of friends in secondary school we were in the national police cadet corps the same CCA together so we all we were so sure that we're all gonna be police in the future we'll join the police force and now actually none of us are going towards that


at all we have one in marketing we have one in engineering we have one, in aerospace she's gonna I don't know work on the planes, and it's just so far from what, we had uh imagine what we had planned together ya


okay uh for me it's, we were watching one of our friends play a video game it was a rage game which was designed to make you angry so, the platformer game where it's just two D and you just have to like go through the stage but the stages are designed to be very difficult and it's very easy to die just


it was very unfair like it would give you instructions to go right but actually if you go right you will go and die ah you will die in the game so you're actually supposed to go left, and it'll give you directions like okay jump onto this platform but if you jump onto that platform the platform will collapse and you will die


so it was very funny because my friend couldn't take the game very well and she she got very angry and just but, even though she was very angry she was very determined to finish the game so she just kept going trying again the stage again and again and again and forgetting the traps and ya but she managed in the end it was very funny


for me I guess a fond memory uh with my loved ones that means my family, it was when we went to japan for a week we just travelled around Tokyo enjoyed sights and the local food and it was really cold at the time that we went not very cold but it was about six degrees


and it was just really nice like spending quality time and then watching them try new food new japanese food that's more authentic than what we get in singapore , and we just go through just a normal pub in japan and it was really memorable because


it's it's out of the country and then we're just playing games together we're bonding and we also went to the amusement park together and got lost and ate all the popcorn and bought a lot of uh, bought a lot of merchandise that was sold there it was really an unforgettable week to me


okay for me it's just revolving around food like I want to be able to drink bubble tea or snack while walking home after a tiring day of work I want to be able to get just grab something get milk tea with pearl or


get some some, chips to snack on and just eat while going home because it takes the exhaustion away and, and, I want to be able to just be able to eat freely like, if I want to go waffle I can get waffle whenever I want and eat while it's still hot instead of waiting to bring it home and ice cream mcdonald's ice cream you can't really eat outside while walking you need to eat in the outlet itself


that's just uh, that's disappointing ya


okay while for me I'd say it was that same japan trip the we went to a very high class restaurant and we had some #shabu shabu# beef, oh it was it was amazing like


first of all the staff were dressed very fancily they will dress like real chefs I don't really we don't see that in hawker centres or anything, and then they were japanese sauce with another level also and the presentation of the meat was phenomenal just folded together and ah it was the marbling was great too the beef so tender


and the soup base was just great and the dipping sauce was perfectly seasoned it was really the best meal and on the side we had, perfectly fried Tempura it was just golden brown


and , cooked to perfection it was the best meal I ever had


okay for me for one of my modules in polytechnic I had to design a product with my project mates and sell it, so I not only just learn to work in a team it was very diverse team we have also international students working with us and we had to play to our respective strengths


and, not just teamwork but we had to learn the whole process of conducting market research on the product designing the product itself how it would be made and producing the product we had a makerspace in our school so we can either three D print or maybe


use some paper or wood or foam to try to create our product and, and after making the product itself you have to I mean before also you have to make financial projections so we have to try and, find the cost of the product find the of the materials and how much it would cost to make it and also how much we'd we'll we would be able to sell it for and how much profit was a profit margin


it was a very tough project and even though there were hiccups along the way and we had a lot of challenges, at the end of it we came up with a really solid product that we were really proud of and, , we were able to present it to market representatives they were people from real companies were looking for products and we were able to present it to them like it was a real product that we made that we had uh started from scratch and


, it was really rewarding just seeing our something that we created and seeing people responsive to ya it there so I felt like that was a real personal growth moment


for me, I guess the best one would be I made an exploding box for my, friend's birthday so is a papercraft box where when you open it there's another box inside and you open it and there's another box and it just has a lot of pictures and handwritten letters and interactive elements like you can pull something you can open a small letter inside the box and


it was just specialised for my friend and uh it held all the memories that we had together and, it was just really special for her we could just for her birthday, then I tried to find some pictures of her when she was young so I can see how much she has grown and I found pictures of us together for the years of our friendship and she really liked it ya


and mine is also studies related one of my university modules require me to write an essay on a certain topic which I had very little knowledge about but my, friend actually specialise in that topic she studied it in uh her polytechnic so she had a diploma in it and she was able to share her knowledge it knowledge with me and not just knowledge but she also shared her books and her


tutorial notes so that I could deepened my understanding on that topic , and it was really very useful in helping me understand it and any questions I had she just gave such precise answers and this really helped me with my assignment and helped me craft an argument with uh sub arguments and everything that was uh quite solid for the assignment


part one financial related topic


so when I look for insurance agent what do I look for, I look I tend to look for uh I tend to ask the insurance like, is the insurance really what I need, it does can it really help me with what, uh my my my finance, and


where uh I'll tend to also look ask if the insurance if, is he really selling the insurance to meet or is he just trying to earn money is he really caring for, like, uh the is the insurance going to help me in the future or is it just, for me to earn uh for him to earn money and then what is it what will happen if I'm unable to pay up on time as we need to pay a fixed amount of money too uh insurance monthly


and then, another thing is why do I have to buy insurance from him like what makes, his, the insurance that he's selling so special that I have to buy from him instead of all the other insurance agent there are


okay , if I was an insurance agent, what what would how would I face my client is uh firstly if they're already my client I would, I will went up and ask them what is currently their biggest financial issue


so that I could offer them a good insurance, and uh that will help them with their financial issue and then able to solve the problem, and then they will also be interested to buy the insurance from me, as if, my insurance that I'm selling does not help them solve their problem there's no point for them to buy from me also and then


ask if there's any worries that they're facing so that we could get down and get a bit more, get a bit more, like feel more together and then like have a bit of uh, personal feeling so that maybe like he will like me more and then I try to help him and he try to help me also ya


buy term invest the rest, do you think uh I should mix insurance uh insurance and investment or do you keep them apart, for me I tend to not mix insurance and investment reason of not mixing is because I feel that money that I use to buy insurance is the money to cover up when something


I something happens to me or when my property, is, currently uh like missing or something, or damaged, while the money that I use to buy investment is the extra money that I leftover for paying all my, normal bills and my living expenses so I feel that


uh one should not use money, that is used to, protect yourself to earn more money ya there should be a line in between


term insurance or life insurance, which do you think is better for me I think both are good term insurance is more like a short term and life insurance is a long term but, the price that you need to, uh give monthly is also quite a big difference for me


if I can afford it of course I'll go for the whole life insurance, but, in singapore the living expenses might be a bit high so I might go for a term life a term insurance for now instead of a whole life insurance


do you have uh, IF IL uh ILP which is investment linked policy and what are your thoughts on including ILP in your insurance uh portfolio, for me I do not have any IL ILP policies but if I were to buy any policies I will only go for insurance cause


currently I don't feel quite safe in investment yes, there's always risk in investment but if I put my money on the just in the bank I would not gain any increased value also, but I rather put the money into the bank yes even though I won't get any increased value yes due to the there's a fluctuation of money uh every year uh I still feel like it's better as I can I know where my money is


and, I don't feel like it doesn't feel like the money will disappear if anything happen ya


currently , do you think that CPF insurance coverage is enough for your, insurance coverage what are your thoughts on, dependent protecting scheme medisave eldershield and, medisave or medishield life like that uh firstly


I don't think that CPF insurance is enough for my own insurance coverage as CPF is how do I uh uh, I don't think it's enough as I feel like uh it only cover up like only a small part of my life of anything that


uh if I uh anything if anything happen to me so I feel like you should always buy our own insurance, ya it never hurts to get more insurance, and then my thoughts on, dependent protecting scheme so dependent, protecting scheme short for DPS is a I feel like it's a good thing as it it


it is paid with your CPF money and then uh since you can uh and it's cover cover up from the age all the way to sixty if I'm not wrong, and then , this has you can only withdraw part of your money from the CPF at it at the start of age fifty five so I think that it is quite a good a policy where it can cover is a that can help you to cover


has uh in case if anything happens to you it's like a small insurance, and then next is uh (ppc) eldershield I feel that, uh eldershield is is also good, as it's also a insurance for, you if any if in case you face any disability


as one in two people at age of sixty five is facing disabilities so it can actually help you to withdraw out up to I think four hundred and fifty dollars a month, uh which can, uh help you to uh pay up for someone to take care of you


has, when they get old and then if your visibility is very hard for, for you to take care of yourself and you need someone to take care of you and, uh currently you need you need to pay the person to have to take care has, if if even if you have kids or uh children


they would be working and then it's very hard for them to care of you, so what about medisave, I feel like medisave it is, it's quite good has uh uh it's a quite good uh good policy, as it as, it's actually part of our CPF converted


that uh is actually help to pay up for our hospital bills and help us, to lessen the hospital bills that we need to pay so I feel like in general this are good uh insurance, uh policy given by the government that


most of us uh didn't know I think most of us only know about the medisave part and the rest, not really uh I so I feel like it's actually quite a good policy


if I were to have a uh to have insurance, or plan for my insurance I think I will approach a uh agent and then buy insurance, insurance but of course I think it's good, if I have a friend that sell insurance as if it's a friend from how insurance, as, I feel like I it's more safe to buy insurance from him or her


uh as I think maybe cause friendship helps too, lesser the bridge in between and trust the person more ya


currently I do not have any uh personal insurance, why is this so, uh, cause as currently I'm not, working yet I'm waiting for NS so I currently don't feel like uh I should buy an insurance at the moment maybe when I enter NS and then I feel like uh insurance is needed then uh I'll proceed to buy insurance from there


, I did get approached by uh, uh insurance agent, back, uh to ask if I want to buy insurance but like, back , I wasn't really much, how do I say it I wasn't really much into insurance yet like I don't think my life's gonna be any danger so and then as I am living in singapore


so I didn't want to buy insurance at that point of time but I think I will get a insurance, in the future like, after knowing about, understanding much what insurance actually do, and then also currently like uh in the


current pandemic and then if actually anything happens to me the insurance could help me


part three negative experiences, so , what are the injustice of the world that makes you angry


for me I feel like the most injustice, thing in the world I feel like is people who make use of their wealth to bully the poor, like I understand that, they're rich uh it it's good that you are rich like they earned it, uh like but then it I feel like it's something wrong when they use the money to oppress the poor


like uh taking taking, taking example of, take example uh taking taking opportunity of like some uh some crisis to, to make uh wealth out of yourself for example I think the best thing was the COVID


uh pandemic that everyone is currently having, uh some of them, uh went to buy the extra masks and then went to sell it at a, overly priced point to make to make themselves earn more money and I feel like it was really very like annoying


and like, some of them even rushed to buy some uh necessity, that they don't even need it, and then some there might be other people even needing it than that than them and then these people just makes me feel like it's just so annoyed at them and makes me so angry like


you can't you can't just do that like ya


try a moment when you felt that you were treated unfairly so I guess, uh there's a moment that I feel like I feel, treated unfairly, uh was back in the days when I started dancing I joined this club, and I, I have a senior who just keep finding fault eh


which I had no idea why like, maybe it's because I couldn't get a choreography right or I don't know, like cause I was just started and I tried to, practise very hard but like no matter how hard I can, get like, I just can't seem to get it right and sometimes I feel like it's not just the choreography it's just like


the senior's picking on me and, and it gives me a very terrible, experience throughout the whole year as, as from the club ya so like it was really unfair


what dreams of yours died a bit a little, with each passing days let's say I really enjoy my company with my friends and I will really like to, see everyone go together but like


we can't like, ya that that's the dream of mine that die every day being unable to see all my friends grow like back in the days like, I know that as we grow older we passed through different phase of life you get to know more friends and then some of them


go their own way and then we don't we lose our contact with them I feel like this is very sad, as we are all friends like like, even though it's only for a partial of time I would like to see them go, like being, able to do what they're currently doing and making, do it better


they were doing ya, in general I just feel like, it's really sad, for not being able to see my how my friend grow and gets better, and, uh through their different phrase of life


what keeps you awake at night so normally , when I'm at night and I couldn't sleep normally tend to think about like, did I make the correct decision in life, is this really what I wanted


could I have done any better it was really a tough choice, but in in general I feel in life like, like is it really okay for me to keep doing what I'm, doing, is it really okay, okay, uh can is there anything better I could do it was really tough back especially back in my


uh secondary school and my, poly time like both are different phases back in my secondary school I was kind of, uh bullied so like it was really a tough experience for me, like I don't know what I was doing wrong I don't know what I, make better and it was really a tough experience


and my secondary school life is just about like thinking about, why am I really gonna do after, that after my poly life, after my NS am I going to work, and what am I going to work has ya it was really a tough decision thinking about


what future's gonna be like and, what I need to be what is needed to be done ya


recalling a situation where you were forced to change plans against your will, so I guess, uh, in my poly life uh I was a committee in a club, and made up of my teammates, uh or my comm comm members, we're actually hosting (ppc) hosting a overnight camp


uh for our freshies it was already midway in, and then suddenly , our club adviser appeared and just decide us to do stuff his own way and then without telling us, (ppc), and then we have we we only knew this by, by one of the helpers cause like we were busy setting up for the next


uh activity and then we were shocked to hear that like he can't he can't just do that, it's not fair to us like we planned this as much as he's our club adviser I understand his worry but or whatever but like we planned it with him uh we planned it and then we showed it to him and he said okay then suddenly he just appear then suddenly he do stuff by his own that it it's just not right


for all of us ya and then we got to suddenly make amendments to the plans like it was really very annoying and frustrating, with our club adviser ya , that was just a really bad experience and then we still got hide it out from our from our freshies and our juniors to not show to them that


that, that did that something uh bad happened and then we got to cover it up and try to make the best out of the situation, ya it was, really very annoying ya when it happened to me to us


so describe a time that you feel awful after helping someone, so back when , then uh I was I was in a club uh I with my friends and I was dancing, like there were currently I was a senior at that point of time


like I wasn't in the committee member but I was a senior so like uh they were having trouble helping, their juniors with uh with their fundamentals and their choreographies so I decided to, like, pull them and I try to help them so I try to uh help them in a way where they could you know maybe get their


uh juniors or their current members more, acceptable of the choreography more having more fun and improve their fundamentals, but like just when I stepped in to help just right after like I feel like it's a waste of my my time and it was like just really like why did I even do this as I feel like in general


like, it's not really appreciative of what I have done, like, ya I I just I just went out all my way and try to help out, and like , like if they don't want it they could just say it out to me that they don't want it right instead of just like say like behind my back and then through their physical through their


body language I could tell that they do not want it and I'm just like, like it was really really very, like awful to me ya


describe a one when you feel like the world is against you so, I feel like it was back in my secondary school or my lower sec, I still remember this cause it was really a very bad experience for me, like , I was a kid like, I really like like uh what like


I follow what instructions like back in the secondary school when there's class whenever teacher ask question, I tend to always like raise up my hand and answer for them and then like always try to, be hyped for everything and wanna be friends with everyone but like


I was bullied by my peers I don't know why they because my name was hard to pronounce they make fun of my name, , but it was really a terrible experience and I remember I went to a teachers the teachers don't even help me at all I was really feeling very helpless and I really don't know what to do


and, it wasn't going well, at my outside too because like , my parents they were very busy with work all the time so I was given to I was given to a babysitter to take care of me since I was young and then because of that I didn't really feel much warmth from the family and I feel like I was always all alone


ya in my life and then with this happening in my secondary school, like it was really a very tough time for me, ya I didn't know what to do there was no one that I could reach out for the teachers don't care about me and my friends did I I was bullied throughout the whole time like


, the worst time for during that time was like sort of the break period or lunch period or or recess period they will go all physical and then if it's is not during that period they'll go all verbal like, ya so it was really bad that was, like


nowhere I could escape to and I feel like like the world is just like against me


describe a time when you were heartbroken, so I feel like that's like mainly, whatever happened to me like whenever I tried I always feel heartbroken whenever I try to


like put in effort in the stuff and to help people I really like to help people, for uh I don't know why but like I really like to help people and then whenever I try to help people, like, and then they just don't appreciate it, and then they even, like you know like


talk behind my back that was really a very heartbroken time, like , let's take the time back when, uh I was with my friend dancing ya, uh and then there's a junior there was having difficulty with this


let's say this, fundamentals that uh so I decided to went out and help him like it took me courage to help the person, and then like, I try to him I try to explain to him and then like so he can do it better, ya but then like


just like after a while, like , friend uh uh after I went away like, then my friend told me that he heard from him that, that he was laughing about how, like how these person try to help me him and I'm just like


like, what the hell like you can't just do that I was helping you and now you, you try to make me a joke, like it was really very annoyed like how, like, my kindness was taken to this like ya it was really a very heartbroken time for me


describe a time where, uh no sorry describe, uh what is your most embarrassing moment, for me I think the most embarrassing moment was, back in my secondary school like, so I was this young boy


uh we was sort of, I like this girl from a different, different uh class so, I wrote a letter about it and like you know, like, I don't know why did I do it in letter way but but like ya, and then like


uh but the class bully found out about it and then they just, make, a laughter and decide to you know do it out openly and then laugh with the letter and then laugh about it throughout and then I just feel like it was very embarrassing, and it was also very awful, ya


it was a bad experience for me


part two positive experience, so in the post COVID world


uh, it helped me realise that I'm actually, newly realised that I actually appreciate to dining in at places being able to dine in at, uh food courts , hawker centre


Kopitiam is really a, nice experience and being able to sit there and eat with your friends is really very joyful and, just being able to, be with people is really very nice ya


during this time uh I feel like uh what actually makes me persevere is cause of my friends and my loved ones, they always help to encourage me whenever I wherever like something is wrong and then they help keep me pushing and help to me to aim for higher


higher heights, so like I really thankful for my friends and loved ones that always help me to persevere whenever ya


share a funny joke that you and your group of friends still laugh about till this day, so I have this friend, uh we we call him the car banger so, like, it was a joke back in our secondary school so you know when people


uh like caused a road uh accident happen right sometimes so when this happpens normally is the car bang the person, but, we call him car banger because, he actually went to hit the car like his leg went to hit the car, and then he end up with a fractured leg for about a month


and then, it was a very funny accident and then, because of that, we all couldn't jaywalk like for quite a bit of time, ya and that uh and because uh the back gate we need, to, take the traffic light or the zebra crossing we need to walk uh one big round so a lot of a lot of students tend to jaywalk


and then, uh it's sort of make a big news in school also so it was a very funny inside joke to me and my friends and we call him the car banger cause he went to bang the car ya


so , describe a time where you laughed, uh too hard, so it was a secondary school gathering with my group of friends, so we were about two third of our poly life through, and then we decided to have a small gathering because like we sort of miss everyone and want to check out on what's everyone been doing


so we went to his house and we have, this steamboat so uh that was pretty funny as, as we we uh we we talked about our stupid, stuff that we did in the past, like for example, how my friend will always go around trying to get girls but always try to get fail so it was pretty funny and then uh just uh uh basically and about how we always say about


like, this person is tend to you know like not gonna too well but then he turns out working uh better than us or or this and so it was a really very nice experience that me and my friend has and I still miss uh hang out with them as now currently, we don't really hang out anymore because maybe I think


like life uh we all moving on with our life but I would like to get back with them and then, have some laughter again


describe a fond memory you share with your loved ones, so, I would say back in my year one, uh when I joined a club and then uh we we were friends with our seniors and then there was a, there was a bench in the school which was near to the to the club room and then we will always hang out there it was really a fond memory for me it was because


like, I had never met uh friends who have similar interests and then seniors that are so friendly and then whenever, there was lunch breaks or breaks in between lesson or after school we'll always met up and gather together and then we will play games together we'll have a lot of laughter together and then


time to time we will also study together as uh we are all students so like it was really a, fond memory for me and then I shared I shared with them but, ya, it was a really a very nice time


so what are the things that you look most forward to when the pandemic end, for me , I think I look most forward to firstly it was, uh, being able to go anywhere I want without much uh scanning and of the QR code or uh registering that I'm having to here as I like to go places like


and many places and then it also could be overseas I would like to have a overseas trip with my loved ones where, can go uh maybe japan or korea they are quite a nice area and then visit their attraction and then being able to, ya just being able to be with uh and also maybe have host a large gathering with my friends


as, now we only have gathering up to five people and then most of us is very hard to gather with a big group of friends especially if you want to meet back with our secondary schoolmates or, there'll be poly mates as they tend to be the larger groups so that's what I would tend to look forward to after the pandemic ends ya


so what was the best meal you ever had, the best meal I ever had was uh was I guess it was, when I went to eat, uh when I went to eat with my at my friend's house uh he hosts a steamboat with all our group of poly friends and then it was really fun


uh we, as we have muslim friends so we tend to uh we make it more Halal and we we we get a whole new utensils for everyone and then it was really enjoyable so in general I feel like the best meal I ever had was the one with all my friends where I can have uh everyone around I guess


uh of course the food the food uh need to be delicious and needs to be nice but like in general I feel like, best meal is the one that I uh is the one with everyone that I love and care about to be together


talk about a time when you experienced growth, , so back when I started dancing, it was really tough for me, as , let's say I'm I'm quite weak at uh uh the music because uh I didn't start out with music I played basketball back


at my younger days so like uh when I started dancing it was really hard, as I couldn't catch most music much, uh, it was tough for me as a lot of my uh batchmate and my friends were actually better than me but after a while, I had I


I I start to understand this logic that, , uh it's okay to go at your own pace instead of, worrying about catching up with people, as, uh everyone progress in life differently, some of us uh progress faster some of us progress slower is alright what what's more important is that you know where you're going and they make sure you try to enjoy the process and try to make the best out of it and after understanding this logic I realised that uh it actually I actually start to


uh uh be better at, or or what I'm doing be it dance or be it my studies or be it with handling relationships with my friends, ya so, that's when I start to experience uh personal growth in my life


so what's the best surprise gift, or uh uh that you have given to someone, for me, I think the best uh gift that I have given someone was gift I give to my mum, it was on uh mother's day so like, I was thinking about maybe I should give something special to my mum as I don't really celebrate her birthday or mother's day much so I decided to get this


uh necklace for her it was a, crystal necklace that I got uh back when in my , I think was secondary school ya before I go into my poly life where I did some part time job and I had, earned my, earned my first few


pay so I decided to buy something nice for my mum as she's always been helping out in my in my family, and, to me to me when my brother always trying to give us uh allowance pay for our food and everything ya so like I think that was one of the best gift or surprises that I have given to my mom to someone


so describe a time when you were helped by someone uh in the time of need, so back in the days , like, I wasn't really good in my studies, and then like, ya my standard was terrible and I have this friend who actually helped me


, he actually went down and then like, like try to help me study and then like use the time after school to help me study and then even try to find out why why am I bad and it was really encouraging at that point of time as


, it wasn't really going well for my studies like, it wasn't ya it was doing my, N level ya I have uh it was quite bad like I think, my L one R four was less was more than nineteen points and to go to sec five it needs to be at least nineteen points or to go for PFP


uh which is uh eleven points and below so I was really bad and then it was like my only way was to go ITE but he didn't give up on me he just tried to help me throughout, the whole process and it was really very nice ya


describe a time where you can't wait to attend a special event or a concert, so it was actually when I first attended a concert, it was a singer, uh it was the singer's called LiSA, ya it was a sort of a Anime uh concert and


a japanese so it was really very enjoyable I was so shocked about, everyone as I never went to a concert before and the flight there the feeling it gave me and the and the crowd it was so intense and it was so, like !wow! to me ya


it was really a very enjoyable concert that


see, part one financial related topic


, oh really


ya ya ya,


ya, !wah! I think at the start my parents also they are they are the one that is like cooking and then I don't really spend that much but


actually like thinking about it like do you think there is something that we can do that to prevent, cause my parents also lost their job so like I'm looking at like is there like financial products that we can use to that that we don't know about that can help us to like prevent this like prevent going broke lah


or something like that or like have enough like money for the uh COVID in in like if next time like there's a season like this again yeah


maybe it's more like we cause like right now we are living off our parents right so we never think of like if we if like okay if our parents are gone then like how are we gonna financially support ourself and like, I'm I'm sure like the like some of the jobs you get like not super like you won't be able to like feed afford lah like for us to live like you know like okay setting


[orh] !wah! art


yeah


non essential


yeah, I feel it's a, I feel it's okay like I feel all the jobs is fine it's just like you need to plan for like the rainy rainy weather, like no


I try to think like what kind of things like maybe like those investment into like, some some like fund or something like


not really stock eh like I know those government funded bond or something they are more stable so that if we want to if like


yeah yeah I I, haven't crystallised my thought about it yeah well okay we can , talk about our like how


we think we should achieve financial independence


yeah , yeah


and can support yourself yeah, but but uh


so would you consider like like if you go out to work like for example you work in your, like the like maybe like the esplanade like the theatres or something and then you earn your salary from there do that is financial independence right


then it just means like I feel like if like for people like you say like for you in the arts then that that just means like, when you get your money right like your spending savings and like all the things you are doing with the money is like very important like how you segregate cause you say it's like more


it's not stable that's what you said ah so the amount that you set aside to like save and to like invest to like put into some other like financial products will be more important


so okay so, wait for me when I think of like financially independent right and retire early right it's more of like like when I see myself working in a like maybe like I work in DBS bank before last time for internship


and like, the money that comes in right is like how do I say you can always you can always like , it's like your salary err like it's a salary ah from other people but from when when I think of like financially independent and like how I am how I should retire early right it's like


the only way that I can think of now is to start a start my own business right and the and, do do like when err, when I start the business right the money is like it comes in by itself


not saying like I don't do work ah but it's like I doing the like planning and the managerial work and a group on uh the things that are done on the ground is like other people can do it and like and like when I'm like like doing more the


like the managering it's like there's more time for me to think of like how to reinvest into other stuff how to like make more wealth out of like, the wealth that I have and then after a while like we keep like reinvesting and like how do I say like maybe like expanding the business then like


we will be able to like retire early like you can, stay at home and then the money is coming in and then you like now and then just have to like, like you can sell off your business and you can get a huge sum of money I guess that's one way and then you use that to like live off and retire I guess but it comes comes down to a lot of like planning and like what you want to do cause there's I feel there's many different ways you can


be you can retire early either it'd be, like you save a lot and then you invest or like you expand business and then like you accumulate your wealth through that like from what I know lah I haven't I never really go and find out a lot a lot but from what I know it's like these few ways I guess


!wah!


oh


and then all the way until your thirties right you I think you can choose to like get a payout or something cash out or something or you can then


I think it's all mixed in lah the insurance they have sell like financial product all that stuff I'm not super clear but yeah then yeah there are some retirement plans that, like every month you will get a cash out so maybe every month you get like five hundred or like one K or like dependent or like how much you put in lah so if you start putting in at the start right like if you start putting in now right until we thirty right I think we'll have a lot of money like


saved up in that like I don't know what is that their plan lah and then if you want to cash out it's like you can cash out slowly and like we get that amount every every day so, so I feel like that's one of the way that people like retire like they just like put in money and then like at the like maybe by their forties they can get cash out like one K per month lah don't know for the for the next twenty forty thirty years I guess


then another way is like I guess like stocks like the shares thing, which is like that one is like trading ah don't know how people do it lah, which is like very intense ah I feel when I see the traders like every day like they will like no life wake up night like eight AM eat breakfast nine AM open stock market and then study the stock and then like like make money from there I guess that one for that lah


trade ah [orh] it's not easy


yeah, yeah yeah it's all those I saw


yeah but it takes a lot of research


yeah


I feel like


actually I feel like CPF is like like a lot of people complain like I don't know I hear like all the older generation complain like their money taken away well like it, it's like a very like I feel it's a really smart move on like the government yeah it's a safety net like if there's no CPF I think like a lot of people like they wouldn't know how to like financially like how do I say segregate their money to like save


so like if like like a lot of the older people like if there wasn't CPF I feel like they might just spend the money and then like when they need like medical help all that right they don't have money for that so I feel it's a safety net so like it's a good


good like good, like plan by our our government so but I feel the CPF is only like a like after you retire there's like the CPF will give will be given back to you ah but it's like a minimal


like if you get the money it's like you every day can only spend like that amount, like maybe like three hundred dollar a month which is like very very like like minimal like you barely surviving that kind that's why there's like other plans that you need to like that you can look into that to help you like the retirement plan like every month you put in fifty dollar for like at the at at the start of this it


I uh maybe start of twenty years old then like all the way until like fifty onwards then, when you are fifty fifty five or sixty five onwards I don't I forgot which year the CPF is like released to you but like you get the CPF and then you plus on top of that you will get your like the retirement plan that that that payout so maybe one month you get like a few like one K plus plus that kind


which is like it's a good amount ah, ya instead of like the three hundred every month from your CPF, ya


ya it's much


yeah, I don't know if the numbers I quoting is right ah but around there lah I don't know plus minus a few K I don't know , uh ya so I think also like plus we will have to factor in like when we growing up like we have like children or like need support our parents things like that


if you get three hundred a month that's like you ownself also cannot survive how you gonna like support your children your your parents all that, yeah


part three negative experiences, okay so like there's talk about the injustice in the world that makes you angry


ya !wah! you you you boiling my blood , yeah I think it's the same lah like when I see like the stories right it's like I will think like


like how can someone like, do such a thing, like cause I will see it like that that could have easily been like like one of our friends or like like our family members and like to think like there are people out there who are like so malicious and like


they want to I don't know what, is it lah like lack of like self awareness or lack of like education lack of self control lack of like parents control lack I don't know what is the cause but I think there's a lot of factors that plays into that and it's just really like upsetting that


there that there are things like this lah and !wah!


!wah! you can say ah you can say I I'm just angry


, struggles and everything ya and I think like like going back to like


the sexual harassment all that it's like it's like really upsetting because for me right when I see the consequences that like is dealt, for like those guys it's like, and like the excuses that people give them like like they say like oh it's like in the heat of the moment like oh it's because like the girl wearing like short shorts or the girl wearing skirt or and it's like


they are setting such a low standard for guys like it's like just because someone wearing less doesn't mean like we have to, be I don't know ah, I don't know what's the word I okay but sorry trying not to curse word


ya and


maybe like think about like of all these like social issue right like the there's there's also like a lot of people who will say like oh it doesn't involve me or like it doesn't matter to me, and like sometimes that is sometimes that is like just like like for me I I do that sometimes but like


I understand like where they're coming from where like they or it doesn't matter to me cause like it's not like it's not near me but for for me like when I get exposed to it like maybe like my friend is a minority group, and then I get to see like the like all the like what's that discrimination and everything like then only then then I began to be aware like eh this is not just like their fight this is like my fight also like I need to be able to like help help to like because


those people who like say doesn't matter to them is like we we have the privilege we have the privilege of staying comfortable but the minority group they don't have the privilege they have to fight for what they want, and like doing nothing on our part is add only adding to


to like the weight that they are fighting to the force that they are fighting, yeah, like especially like I was when we were watching like the pink dot, like cause I never attend pink pink dot before but the first time I attended like the the last week is it last week last week's pink dot it was quite interesting for me to experience it's funny lah it's a very like it's a show like entertainment show for everyone like very heartfelt but


I feel angry for like the community that like like some of our friends that they cannot do anything else they can only like, I don't know, like there's only so much that they can do like like I saw the


like there's website offering aid for like LGBT people, like to help like counsel them to ease to ease the pain but I like I really like what I one of them say like, all those actions are just know the help lines health centres are just like painkillers like numbing gel


and the the only way to like stop all these like pain and like is the root of the problem which is like the policies and like the, the policies that the government like refuse to repeal and


ya but ya, even though in recent years like it's been it's getting better slowly and slowly but it is still really frustrating to see like like friends being suppressed like they are unable to, like for the older people they are unable to get a BTO together and their marriage isn't recognised like and they have to like stay separated from each other during COVID which is like


very like difficult, yeah


treated unfairly ah !wah!, treated unfairly, I cannot remember anything but we are like the privileged in Singapore like chinese male is like the white male male in america so it's like I don't see any like discrimination like against


or like I don't realise it lah what about you like will, do you have any moment


ya ya, ya


ya have dreams I wanted to be a policeman ya I wanted to be a policeman but after a while it's like okay lah it was just a like a like I wanted to


like that was a cool thing but let me think about it wait ryan what keeps you awake at night


oh ya I understand understand


ya, ya


, is there a like is it like, a like heavy feeling like !wah! like what if I cannot do it or things like that


the world standard like their standards


good enough, ya okay


I think uh uh let me talk about like my experiences in, like like, primary school cause I used to have like I had this like great friend like we from P one to P six like every day like we play and everything but like there was always like time where


he because like he had his I will always join his group of friends like in his class ah and like cause I was in the first class so I think like they always like left me out in like games ah when we play games everything they will always like they will pick on me


and like kick me out the skype call like kick me out of the server or things like that so like as a kid, like knowing that, like I didn't belong in that friend group and like that my best friend who was in friend group also played along to like


to like to like push me over to like kick me out, all that stuff really like for me it felt like very traumatising and be like like a betrayal like we've been friends for like four plus years and then like P five you go like to join them and you you like suddenly just like side with them and when they want to like


they don't wanna like play games with me or like don't wanna hang out with me then you just like you follow along, so I think it might seem very small like it's just primary school like friendship but I feel it like traumatise me for like quite a while


like all the way until sec one sec two sec three where like, uh like like I will I remember I would like at night I will not at night like every day I will tell myself like, like trust no one trust no one which is like


quite quite like you would think it's quite like sinister or like quite a crazy thing for like a primary school kid to say like they don't trust anyone don't trust anyone in the world like you are by yourself that kind so it really felt like !wah!, like what's the point of living if like I'm only living like by myself and it's like there's no true friends who are there to like like be that like your backbone everyone is just like


like at that point of time I felt like I really had like no one to like rely on and not even like, like my like my the person that I called best friend is like isn't like it isn't standing up for me he's like he's staying silent and just playing along with it like with all the actions that are like played against me so it felt really really like


really like, what did I say like sad and like, ya that that all the whole experience was like mess me up ah so like when you met me in like sec one sec two sec three right, you will remember me as like this angry kid or like this kid who like got anger problem this is all because like not all because lah but like these experiences like played a played a part where like I didn't know who to trust I didn't know like


whether like there are people like the people like they have ulterior motive when they are like talking to me or things like that so it was quite, uh like a memorable and like, like it left a huge dent in my life ah this this friendship like problem and like betrayal as I will call it ya


(mm)


okay, part two positive experiences, ryan so what makes you persevere


is it


cringe


you sound like the youtubers, ya


ya, so you have a bucket list ah, you got you got use the website to write


your head ah I think you should write down I say I think we should write down, I don't have also okay so what what are some of the things you wanna do


travel, !huh! what cinema


like make memories ah


ya uh, let me think ah I think like being in COVID for sure like makes you appreciate more like makes you appreciate the little things in life


so maybe we should have COVID once every five year or something no no lah I'm kidding uh, ya but but ya like similar to you ah like, be like like in a post COVID world wanna hang out more lah and like travel go see places and like


experience things I guess instead of like being like I think being trapped in like, our home for too long so we want to go out and like experience things and see what the world like has to offer ah and like take picture ah take picture


ya , like what


something bad, [orh], [orh] okay yeah yeah


oh really, [orh] wait that's like every three month more money


ya but it's like you then you make me think of like like if you go to normal right I don't know it's because, like Singapore is like so like fast pace that we don't like slow down to appreciate like the little things like the like


so I think like when we like this period like everyone slow down right it's like we, start to like see the like we see more of the little actions by other people and then we, are more appreciative and like some people are more appreciative ah where others maybe not


but uh eh what was I saying uh so


ya


oh yeah, where we failed


no you had flu injection I I went there and I got rejected cause my vein too small , no but I but it's like we have more time to do like, things like this right and like okay for me personally lah not say super like heroic or something like I don't feel like doing or I don't feel the need to like go like help other people or like donate blood that kind but like it's like in a process of like doing it like I feel really like I feel like I find meaning and like


there's a there's a purpose to like doing all these like when you meet the like people who are like help who are, like doing the like, blood donation like all the other people and like you see like everyone like so many people like around us are like doing good and like helping doing social work ya and it's it is like very like relieving and very like like uplifting ah


like uplifting news instead of like being stuck in like my small own world like, when I'm maybe like poor like maybe pre-COVID right before COVID like we are in our own world but then but then like when we are in when, COVID hit us right we begin to see like a lot of things that is happening and like a lot of things that other people are doing


like what, cultures


oh, ya


, ya so like uh what do you think is like the like one of the most memorable or like, happiest thing that happen during this like circuit breaker phase two


I can go first if you if you if you want to think, quite a few no lah , no lah okay lah I think the most memorable memorable ah it's when we like


when we see when when I see like our friends ah for the first time in person after very long then it's like ya like face to face then it's like, like feels surreal, we're like, ya I don't know lah how to say it's warm and fuzzy feeling ya ya why are you gonna are you gonna judge me now


eh bro don't don't make me cry


!wah! so Shiok


happy ah happy


, there's like a lot of layers of happiness leh like you can get to go out you meet your friends and then it's your birthday !wah!, oh


best meal, you asking me about food, I I I don't know lah I eat normal food lah all the food tastes the same to me


oh ya ya ya oh ya ya ya, oh


that's the peak of your existence your happiest moment of your life when I eat double mac spicy, oh ya


eh same I want go malaysia ya , I go thrifting, ya, actually one of the happiest thing right that can happen right is like for me it's like cause I selling clothes right


like thrifting is like really like it feels like adrenaline rush when you find something good, it's like, ya ya ya so like if you browsing through the racks okay for me there's a positive experience okay so like if you look through like hundreds of clothes right and then you suddenly found find like a like expensive item like for me maybe like I find like


like a like like vintage lakers nineties like shirt that is single stitch, which is like very rare lah then it's like a grill then it's like super, happy like you buy for five ringgit and then like !wah! you can sell for like I don't know like fifty hundred dollar and like it's a


very like happy moment like I think next time we should go together you experience it right it's like a, !woo!, why I persevere ah


ya this is my financial independence, hunting clothes


ya, lenny


no money oh, [orh]


you regret, ya how many how okay okay I think you regret a lot already, ya cause everytime it's like you want to we want to go right then you like okay lah save money save money


wait wait wait ya positive positive positive experience


I went to coldplay once ah but I not say a super huge fan but it was a good experience like, the atmosphere is different lah like in concerts so I feel, next time next time you go just Jio me ah I think I think I want go again like it's like lenny or like


ya concert okay, soon ah I will be Botak already


a positive experience uh move let's move on, okay so, okay ah let me talk about like a time where I took a risk and I was rewarded with success, I think you remember like that time I ask whether I ask you whether I should I think I ask you lah whether I should start the


selling clothes the business, and you tell me that, you you want me to start cause you wanna watch me fail, do you remember or not


you want to see me fail bro


you want me to like go down and then go up ah !wah! you like my my parents already, but ya uh ya but ya I took the risk lah, I succeeded it was like a


like I thought of it for like one month one year ah then after that I change to like sell clothes like sell vintage clothes so it was like a leap of faith because like I didn't know anyone in the community but I just decided to like YOLO ah just whack just try lah if like I don't try then I also don't know if like like no matter how much I think right I will not know the result


I will only know like like hypothetical like outcomes so I just try to like ya but it was like december holiday ah last year I went to like socialise like I went to two events at once and then like well luckily I made friends and like


like people in there very nice and like it's a community so like everyone help each other out so then I begin to like, they bring me to like trip also then we go and find clothes everywhere so that that was the part where (ppc) like I when I find the like super nice clothes then I feel the high the excitement


ya then when I when I sell like clothes also like dopamine released in my body, ya so that was do I have a what, uh no I finish already you can say


for me like when I look at like my business is like as long as I'm not at the top I can keep going lah cause at the top is like people with ten K plus follower then even after those right like Singapore, like ten K plus follower right I can bring it up another level to like start a physical shop so like it's like


then I can bring it higher [ah] there's always a next level for me to like just keep pushing further, ya ya I succeeded


financial outside part one part one sorry part one financial related topics


K uh so for me the past uh month during like the whole circuit breaker or like even including like phase one to phase two uh I think for me my, especially like during the starting of circuit breaker like everyone was staying at home uh for me I don't really spend much money during that time but also at the same time uh I don't receive like allowance


so I will just like stay home and cause like my parents will cook also like for lunch and dinner so uh, so like uh technically it's like there is no, sort of like income coming in like no savings coming in that kind uh so like that's for me then uh I think when it start when it's end of phase one I think I started to look for jobs


like temperature screening or like packers post postmans even like I work a postman just to, try to like cause these are the one of the first like one of the few essential, uh essential service and I try to like


work in those work in like it try to find like those essential service and work in those lah so postman is like one of it, then so up until now I've been I applied for like foodpanda also like foodpanda delivery so I think that has been uh I feel that has been a good uh source of income like I think like they it's flexible and like it pays well also


so uh I I think like the whole, uh COVID, situation I feel that, I'm not spending as much, I don't know compared to I don't know you what about like you sia


yeah, oh yeah right right right


pandemic that kind, so you mean like schemes from government that kind lah or like you mean like from government's point of view or like


oh ya lah ya , [orh], ya true


ya I think so, but because I've because of this right like even I've seen like the you know the I don't know is it straits time or like some news outlet that posted the, the like the top five essential and top five non-essential services that kind then that it changes my it changes my thinking of like like what do I wanna do in future let's say if something happen


arts management in like NAFA so uh because of that it's like towards the artist or like artistic, like creative artistic side which is considered like a non-essential top like five ya top five non-essential so that's something I'm thinking like actually if let's say there's a pandemic in the future or something will my job is it sustainable


and like am I able to, , make money during, like different times especially like pandemic kind of time, yeah also yeah that is something that


yup agree


like you mean like uh I don't know I don't know what what's the term but like you mean like stocks or like that that kind like the market terms that kind is it


oh, okay okay, it's okay then so


!wow! uh, I I don't know but I feel it needs to start from


I mean when when I think of uh financial, independence like something that like how to say like you, earn money like comes off you that kind instead of like


sorry let me rephrase it, okay so example like let's say I'm working example like let's say if I'm working under like somebody I know like my parents or like my aunt I for me I would I've kind of find it like it's not really like financial independence cause it's like


their I don't know like their money it's like what they earn then they still pass to you that kind but then I think like financial independence is like something out of like the, the circle, out of like the family circle kind of thing where you really


financially uh like independently, earning finance, to yeah yeah in that way, yeah how how how does one achieve it ah, I think, what what what do you think I I feel that you need to start from something small I feel that there's no like jump to


I don't know what I that I'm just thinking that it's it start with something small not really like there is a jump to it


I would say for me I would say it's financial but then it's kind of like not like stable kind cause let's say if you, talk about like theatres or like arts, that kind, I wouldn't say it's like stable compared to


like office jobs or like, like, generally office jobs lah which are I've I find it more stable where it's like a nine to five job or kind of a thing and then


money comes in like every month but then even for like events or like theatre shows it's really depends on, on like the timing depending on the people also, luck ya so I think that's something that


even, ya


cause it's like more valuable in a way is it, it's not not not stable that's why, oh yeah


I I I I, I didn't, think so far fetched yet but then like, for you like how would you, invest your money in


ya, [orh] yeah


oh


okay understand, ya


okay right, ya true


ya, okay but then like I I mean we are we are we are like in our I don't know like teen teenage age I don't know so like


I mean like let's say, how do you like, how do you tell that uh like how can you tell like you can retire comfortably, I mean I just a question like I'm just thinking


because like for me I'm just thinking like, people say retire early means that, at a certain age they stop working, and then like, there's no income coming in or like there is enough saving to


to spend off like for the rest of like the, like their their lives that kind, so it's like I ya


cash out [orh] okay okay wait this is like not insurance right it's uh retire plan something retire retirement, something plan


[orh] [orh] [orh] [orh] okay okay [orh], oh I didn't know that yeah


[orh] okay , I also don't know


yeah actually for for a period I I I tried to learn about like forex, ya forex forex so it's like then I tried to like I I thought I could do it I thought I could do it but then I tried like learning for like I don't know ah like one month or something just online ah based on just online only like all the youtubes all the


people say like [orh] how to what millionaire, by how the age like age twenty two or something then I think I I got baited or something ah ya so I, but then it's like okay it's true that they are like millionaire but then it's something that they say that they like from like different traders to traders like they will always say this like


at the starting you need to have a lot of patient that's what that's the only uh like not say common thing but then like that's what they always say in like tradings or like forex kind of thing which makes sense and it's something that how say like


I'm I'm sort of like trying to learn in also ah like trying to learn because if let's say if I try to like invest or something for me it's like if I if I wanna invest in something I definitely want to see a see a result


see a result like for me like I want to see the result immediately instead of like slowly building up like snowballing, to like a like to like all the, youtube traders are at that kind ya so from ya that's just something that I've I I I tried to do but then it's something that I don't think I can yeah it's not easy lah like we we see that it's like you're you just sit behind a computer kind of thing


but I ya ya correct, so so like uh just now you said about like the, the the the the the retirement plan thing right so it's like so like you said like what every month pump in money kind of thing then you get a cash out like after this age then how is that like different from like let's say CPF cause during I mean like cause let's say you


you like you work in you work uh uh you work, uh when you are singaporean then you work then definitely you have CPF lah let's say you have like a office job and you're under like a corporate company kind, so like


like what are your thoughts like what's the difference like what are your thoughts like in the difference of like the that retirement plan and yeah


safe net ah ah


okay


[orh], ya okay, okay so for me it it looks like let's say if you have I mean CPF is a like a must thing right like let's say you are singaporean and stuff then


I mean to me ah that's the thing if you add on like the retirement plan it'll be like a really like you double up like it I don't know you like you, double up the safety net or something or like you double up the income after a certain age which is I mean I never thought of that like I never thought of like


retirement like at this age but then it's something that oh like something that I I learned ah in I I I learn through like this convo, ya ya


I think plus plus minus I okay ya, okay I think


!wow! best best this far, ya true true true yes alright thank you


part three negative experiences, ya


I will go first I think , I think the past okay lah this year I think this year there's a lot of news about like injustice stuff happening around the world but I think uh mainly I realise let's talk about like SG based lah I think like for me is


for me it's I think I've I've come to not say come to but then I've seen a lot of videos online where it's about like , uh how do I say this like sexual uh assault against girls that kind


I think that makes me very like sick and disgusting and, how like , uh like how we how our, I don't know it's cause it like the past one K it's for me like I'm aware of I didn't know like it's such a big issue


in Singapore actually until like when I'm like in, upper sec kind of that that age like sixteen seventeen years old where then I knew that oh actually it's it's like it's all around SG like there are people


there are people that that like how to say there are people that condone to , those acts that kind and for me I just find that


like very I I feel disgusted that kind but then like I I I tell myself that okay when something of this happens like I need to speak up when something like this happens that I see it like first hand


on the spot like face to like real life that kind I tell myself that I, needs to be I need to be the one being there for being there for girls that kind, ya so like that's something that !wah! that that this does makes me angry lah like the whole of


like man or like boys sexual uh harassing girls that kind yeah so that's for my, ya and some ya


ya, ya


ya, ya, I think ya


ya true true oh so you have anything else to add, ya I think


ya true like I think the, the whole of even right now of like the whole like, black lives matter I feel like the whole injustice about that


it's been something that is happening like for decades but then it's still something that people are fighting for people ask are, are still trying to have their own rights trying to fight for their own rights trying to trying to demand justice


I think that is something that, like we ah I don't know like we asians and like being chinese in Singapore also like we how to like hard to hard to relate, but then it's I feel that it's it's it's like our responsibility


to to to be aware to learn about the minorities of Singapore the minorities of like other how do I like other the minorities of the people in like other countries also to understand like their stories to understand


their their like pain to understand their their their cry lah, their cry ya ya


ya, ya that's, true that's very true


ya, ya I think like include like ya like mentioning that I think like the part where like I don't know like the part of like whole like have like


woman like standing up for woman kind of thing but I think like we need to like as as like boys as like man that kind we also need to be there for them and like we need to, join them along and not just like


and like we need to support them we need to be beside them in the midst of, like their their their fight that kind


ya , ya ya


(mmhmm) ya


ya, ya yup yes, ya true ya


ya ya yes


the root of the problem ya


ya, ya


ya, so Xiang do you have I don't know like do you have a do you have moments that like you were treated like unfairly


ya


uh treated unfairly ah


I mean off hand I I wouldn't say that I can think of anything I think that just adds on to like maybe is, some are like we aren't affected that deeply that we aren't affected that much that like I will remember ya probably if if it's like I'm treated unfairly like probably like all the small stuff the little things lah that probably


wouldn't matter by now if I don't remember ya , so I think like for me I think uh I don't know like growing up like I I mean do you have dreams Xiang


like not really really


oh okay I will jump to your question later, what keeps me awake at night ah uh actually what keep me awake I think it's all the


I like all the possibilities and all the impossibilities I don't know whether the doesn't make sense but, like it's like I think like what keeps me at night is like mostly like


I will think of, what to do in the future and let's say if I do it will I regret that kind or if I never do it will I regret and it's like it's always in that cycle where, like I can't get the answer out of it and and because of that I just have it in a loop and like there's no ya I think that's the main thing and maybe like impossibility is just like


imagining things that couldn't happen I don't know like I just think of the first thing I can think of like traveling the world that kind is like okay it's possible but then traveling the world like okay highly it's not really


not really like travel the world but maybe visit like go overseas like once every two years or something uh and that's that doesn't really okay probably like that doesn't like when I say travel the world others think of okay like really like


checking all the countries that kind but ah ya lah that's a bit like impossible but that's something that keeps me awake at night lah for me, ya another thing is another thing is probably studies


I think that keeps me awake at night like I think at uh back like I think, I I was I was applying for NAFA and like especially like cause I'm from uh I was studying in ITE like NITEC even so when I apply for NAFA I applied for like diploma is like a jump and that that


that like that jump and like that try to achieve something bigger than like what you thought you couldn't achieve and what you couldn't achieve will keep will keep me awake at night because ya uh you were saying


ya ya it's like I if what if I got rejected again so like what's next if I, it's like the same old it's like I don't know cause I don't know it's just that for me like studies hasn't been really uh I don't know like smooth sailing kind of thing like going from secondary school to ITE and then


from ITE jumping to a diploma uh studies is like !wow! I I never thought that I could I I wouldn't imagine like I wouldn't even like have that, have that imagination where oh maybe it's possible so that's something that that that would that like worries me like what if I can't do well in the future or like what if I can't I can't succeed according to according to like


I don't know like according to like people around me like people ya like cause I see everyone like !wah! they, going the fastest route but then !wah! me look at me like what the or what am I doing like I'm just taking the slowest and I'm just like


super slow so like I'm because of that I feel that I like I I feel that I'm I'm like in in this race like I'm I'm like always at the back the kind I'm always like, I'm not like I'm not


like a second place I'm not even like a third place second place that kind but I'm like really like at the last last yeah so that's something that ya, you eh


ya, ya, ya, !wow!


oh


!wow!, oh my !wow! ya


ya ya


!wow!


ya, oh


ya


!wow!, !ouch!


part two positive experiences, yeah


what make me persevere uh I think, I think okay I think the only thing that make me persevere is the future I mean it might sound like I I don't know cliche or something but it really like the future but I think I mean there's a lot of things that I wanna do


like a lot of things I wanna experience in in in life but okay another okay so uh I think there's a I mean really frankly speaking like there's a lot of things like I wanna do a lot of like I don't know like bucket list I wanna do so it's like right now


no no no not youtuber not youtuber like okay I just like a uh personal I want I want I want to to experience like all the first, that kind in, in life like I wanna like experience like first of going this place first of doing this first of experiencing that so it's like right now like I'm just like even like in studies right so I I I will look forward to


the day I mean like like I'll look forward lah like work hard and look forward to achieving those goals, or like those bucket list ya so I think that's the main thing for me that ya you what about you, uh I I I have I have ya I have


no I I just in my head ah in ya I I think so okay yes, what's something that I want to do uh I think after especially like after COVID I want to


I want to like I don't know I don't want to meet like okay first thing I wanna, do uh is go to a cinema because now it's like closed uh go ya cinema okay ah that's like like okay lit kinda kinda


off but then uh I think uh no actually I think the main thing just I just wanna like hang out with friends pick the to just bond together and like build relationship together that kind and that's something that I


ya ya ya ya along that along that line ya I think that's something that I want to do uh post COVID especially like I wanna like, talk to talk to more friends that kind and talk like talk to even more friends and build even more relationships


kinda thing ya ya what about you post COVID or what what what what what makes you persevere that kind


ya yes, I I no no no no no


ya, ya, ya, ya


actually like even like in COVID right like I think there's like actually there's still like things that, I appreciate more eh like okay firstly it's like okay like


okay ah not not cliche many of us left by own family that kind cause like suddenly like we all like stuck in the house like twenty four seven for like I don't know ah like six weeks lah one month two weeks I mean two months that kind and you have no choice but to, but to like talk or else it's like it'll be nothing in the room or in the house but I think that's something that there are conversations where like I've never


thought that I will talk about with them and even like through COVID it kinda like like it it causes me and my family to have a deeper relationship ah so that something that like !wow! like it something good out of


okay no no no something something good out of like the staying home no not something best something good of staying something good, of circuit breaker ya , and also I think I appreciate more of like the delivery people


I think cause personally lah I've I I work like foodpanda and stuff and, it's kinda like you you'll find like joy needed like as as a delivery man uh you find joy as in the little things like they will say like thank you or like they say like oh have a good day that kind it it really does help in the the little ways like you it does help if like you like so like


like yeah yeah it it it really does like if you say like thank you or you say or like I don't know like even they, tell you to keep your change okay ah that's like keep your change that's something that that okay no no but that's like a bit off ya ya


so that is something that I appreciate about lah so it's, ya ah so what ah ya you were saying


I think so ya


ya, no but I think like what you say I think it's like the even like in now right there is more like kindness acts coming, like a period like showing up even in like social medias or like uh news that kind like how during COVID situation like people start to come together and give back to the community I think something that


uh like I think, uh I think I've tried to done eh wait, we we we tried to go for the blood donation right but then in the end ya ya we tried to we tried to to to to give blood


to donate to to donate blood but then uh because uh ya we had like a flu injection like few weeks back then after that they uh they they


[orh] right ya so, ya


like social workers that kind ah okay [orh] it it does ya ya


ya so I think like for me I think uh for me like I think this I don't know especially this year ah don't know somehow this, year like I've I became like more aware of different things like I I became more aware of I don't know it's just the the of like


I don't I don't of like cultures around the world or like news around the world that kind, like I think I've become more like not say well versed but then at least I'm a little bit more aware of like things happening outside of Singapore things outside of like in other countries like what are they going through and


and how how it how can I like because of that I how can I that when I'm aware of that then I bring back to where I am now to sort of like , sort of


sort of bring back to where I am now and try to try to at least like, to see the like not say see the impact but then to see, like the, like to be ah ya just to be aware of things happening in SG as well and like things happening like in our space that kind ya


!wow!, I think ah I think I don't know I I I think if


ya ya you can go first I think you have you have quite a few is it no got one ah you got one or two, ya


[orh] [orh] phase two, surreal ya [orh] I, really ah


okay okay I I didn't know that !wah! emotional me okay okay cool cool cool uh I think I think for me is , actually have fears over I think


I I don't know cause I think cause my birthday is in like phase two I think in phase two then I think it's like it's like just nice when phase two starts then it's my birthday then


it somehow it ya so somehow it's like I'm able to go out and like celebrate with friends and friends are able to celebrate me that kind so it's like I don't know it's just like yeah I feel happy because it's like just nice and so and, and like they


I don't know ah I just I think for me it's just mainly like the the being with friends the like being with friends that kind of relationship I think mainly for me it's like, to connect back with people that kind ya so that, a lot of years ah


!wow! !wow! okay okay okay cool so like so what in phase two what's the best meal you had, uh meal ah right I mean food ah ya meal food ah


normal food uh normal food ah, oh I think I had like a most like satisfying like mcdonald after it's open really really !wah! like I ordered like double mac spicy or something eh it's like !wah! it's like


I then I I down the whole thing then it's like !wah! it's like so okay that is something that I might like have appreciated even more after it's reopen , ya maybe ah maybe maybe that that period ya ya so


ah phase two phase three so actually I can't wait for like overseas stuff that kind, and like malaysia, okay okay malaysia okay why why why malaysia


[orh] like clothes lah oh okay okay okay cool, oh ya ya ya


like you mean in terms of clothes like you find something good that is worth to sell, [orh]


okay, that one uh


oh


so this is the your your what's that called ah uh your, financial independence ah starts from today finally independent okay okay cool cool but I think, !wah! oversea oversea you want to go malaysia uh actually I can't wait for like okay for me is I can't wait for like people come in to Singapore like having to I cause I never been to concert


so I want to go to a concert like especially like who ah who do I uh I, I think if if, like I don't know you you know or not but then like let's say if there like if the band called like like lenny uh billie eilish they all like come I think I will uh


I will pay I think I will pay cause I think last time back then when the band like lenny wasn't like as popular then they had like a they had a concert in Singapore and I didn't went cause it's like, the the the the


the venue is like big box or something at like jurong then after that it's like full so I didn't went so I think right now let's say if there is a concert, I will probably go ah cause I I really like, stan them stan ya


I think I'll true true true true correct ya, ya ya correct correct true ya ya ya so ya it's just something that, I don't know I like very very what's that called fussy ah very fussy about spending money also


ya so like so you have uh no concert wise nothing concert events


like the crowd that kind ah ah, to two concert to a concert [orh] okay oh my gosh, I don't think that's gonna happen soon okay but soon soon we will go soon we'll go


yeah oh right you going army right, is it [orh] no we okay okay


oh okay interesting, business ah


ya ya I remember no no but the thing is like I I like seeing like I don't know I like to see, okay very cliche very cliche lah but then it's like I want to see like, you go through like the process that kind of of like cause like you already like envision a a thing then after that it's like I I I like to see you like you go through the process then after that somehow like you


!aiya! very very very very strange to say this eh but but like see you yeah yeah see you like grow that kind ah see you grow in in in in a way in yeah, but you succeeded yeah you succeeded yeah that's good


ya, ya


oh, [orh] okay


okay, so ya, so right now like do you have a sorry sorry you you were saying


oh okay so like, do you feel I mean like have you reached like do you, feel that you reached like the I don't know cause like the you say like the feel all right it's like it adds up right it adds up like it there's so there's no like uh there's no a there's no like a goal to hit or like there is no like a limit to do it right


!wow! !wow! ya


ya but you succeeded [lah] you succeeded at like succeeded yeah


part three negative experiences, (hmm) sorry


moments ah eh you know yesterday I go to a zoom class right, then after that I think I never mute myself then I was doing cooking and things like that lah so got the plastic bag sound then somebody came up and say gina uh can you please mute


yourself ah then I a bit offended leh yeah, #peng lek# was there then he was like saying like quite rude hor then I I went to see my microphone is, off leh so I I wanted to type in the group chat I was already muted in the first place but then Heng I never press send because I suspect lah maybe the host muted me ah if not how come ah why would actually be so confident to say it's me confirm she got see one what yeah


[orh] like like my face will pop up or something I think, on their screen, yeah but, ya lor eh luckily I never type that if I type that ah quite embarrassing [orh]


yeah but still offended leh the way she talk to me I don't know is it I'm petty, yeah what about you


cannot think because unhappiness thing forget very fast ah , eh if have you ever thought if you are going to die tomorrow what are your last word


never thought of it before also don't know leh, that one I also, that's why that time you ask me want to go check up or not I tell you say uh, don't want ah even though it's free stupid right


I don't know you tell me it's complimentary yeah, in the end ivy went right


your your insurance one yeah , what keeps me awake in the afternoon can


because hor you know like sometimes I take afternoon nap right but I realise I cannot sleep well leh like once I lying on the bed ah a lot of thing will come to my mind you know !wah! thinking about, sales thinking about I don't know a lot of things ah then just cannot sleep that's why who you ah why


stressed about what ha oh


why cannot sleep back a lot of things in your mind like that ah, eat, it just auto come one leh sometimes I also don't know why like never think of it but it just ownself


come to the brain and disturb, no, that's why sometimes when I cannot sleep you play handphone you will sleep already ah


I I will try to count one two three four five six seven eight nine ten, yeah like like just bring away the things away from my mind like everything is just counting one two three four yeah


you try ah you try, eh this one I think you sure have right like a moment when you felt that you were treated unfairly, ya true


ya true how how was it that you were treated unfairly, share one ah


unfairly yeah , not on a personal level lah but I felt like last time you know when I was working we have a lot of KPI right


and then uh uh things like loans and all these right you you it's part of my KPI to refer to someone ya, so if I were to refer to someone and this


person closes the deal that person earns the commission not me yeah so I I feel a bit unfair in this sense lah yeah


yeah


then they didn't give you your commission


dream when I sleep ah, what I want to achieve ah


actually you know I jumped to this industry at this right, uh I have a lot, I have a lot of uh , considerations lah so I also hope like this one is something I that can pursue from and do something out of it lah so right now this is probably one of my dream to actually like be able to to sustain in this business and of course to prosper from here lah


because when I jump over right, uh I don't have many good, uh positive encouragement yeah so mostly I like, yeah it's it's really not easy so trying to build up lah cause a lot of people is like you sure you want to go over you sure


yeah of course I'm not sure lah, yeah correct given my age right now if I'm single and young I think I will go for it lah yeah but actually when I was single and young somebody approached me but I I said no lah but I don't know why I I think maybe everything just come at the correct time


like I wasn't happy in my previous job yeah, how about your dream


yeah but I realise like, because I'm considered self employed right so every business owner if you not going to step that first step you are only always thinking about it things will never fall into place lah yeah so you know I attend a lot of motivational talks and things like that they will go like


uh why don't you see the better side of it like what if you can make it what will happen yeah like what if your cafe can open and then you get a lot of business why you never think of that


same as me [orh] that's why you think of negative when the things turn out otherwise you will feel happier correct, always not sometimes


so do you feel that you are being looked down by your friends or relatives before


!huh! serious ah, but why sell you cause you are the youngest ah, oh okay


yeah things change along the way ah but at least it's for the good, yeah so so this is also one of the thing why I think I want to persevere in this line also because like I say before I left right a lot of people will like


!huh! very difficult leh all these you sure you can !aiya! you six months give yourself six months cannot make it you just come back lah, yeah so every time like whenever I have negative thoughts of like leaving the industry right I will think like !wah! I tell you if I were to leave now right all these people who commented this at me last time right sure like see I told you already right stay here very good !wah! why you want to jump


you know yeah, correct so uh, this is one of the thing why I hope I can persevere here lor right


I mean I mean even us right if like eh you see somebody you will sure gossip also mah yeah so likewise I feel even if it's other people they will gossip about it also


yeah true true, what is your most embarrassing moment


where, that makes you (ugh) that kind of feeling


then then you see the second one ah that one never make you cringe, just what is your most embarrassing moment, actually I got one eh very Paiseh I tell you like I I wear very nice very Chio


right then I walk out of the toilet then I think the dress Kiap onto my underwear then I walk out like that and then and then like I, I don't know I walk how long you know then got this lady tell me , your dress you never make it properly !wah! damn Paiseh I tell you


but I I don't know see until where lah can see my thighs or see the whole panties or what I don't know lah, !huh! yeah that's why from because the dress is the flare kind one so you cannot feel yeah from then on right now now whenever I wear flare dress I will touch properly before I get out of the toilet


ah see once only but still very Paiseh


cannot think of it I I I think I I do have such as experience before, but I cannot like really remember how it how it works you eh sure have one right


ya lor ya lor that's why that's why some people yeah like what you say [orh] not worth the help, but at least you know already lah then maybe the second time you won't even help anymore


[orh] I I know I know I know, will like this person keep coming to borrow money from us ah what telling us uh very bad all these uh like he needs the money to turn over and stuff lah so he has been like borrowing money here and there


then after that uh suddenly I realised he can move into condo leh, !wah! ya lor !wah! I don't know where the money come from ah yeah


so so you mean like this kind of people deserve helping or not and and the thing is when when this person help right, I mean when when the friends help right he didn't repay the friend and like the friend have to keep chasing him back for the money


I'm sure you saw my friend insta story she put before, yeah then she she say no more next time already


I prefer help you then you not automatic then you have to make us like we are the loan shark keep asking you for the money make us feel bad right, cannot automatic one eh but got money to buy condo


actually I I can't really remember like when I was younger lah I can't really remember but, ah uh closer relatives lah people who I I know better I think they don't really look down on me ah because they like quite love my parents so so I don't feel that lah but as I grow probably


like I say lor when I change job, yeah people think that like !aiya! you cannot make it one lah, so ya lah so one year just finished one just one year


ya so fast yeah man, but when my fellow colleagues take bonus I quite jealous lah


ya lah, uh cause I left one year mah so this year they took bonus yeah !wah! jealous, do you feel a time where like the whole world is against you


not really ah very good, I I always have this belief like when something happen to you it will happen three times


so like like like example first thing bad happen to me right, I have to wait for two more bad things to happen to me before I can go through this ordeal, yeah, like uh I don't know like when I do cold call and things like that right got people very nasty one


yeah then then never mind you finish the phone call right then you call the next one again the nasty ask you the same kind of question, so damn nasty one yeah then I feel like !wah! why why like that everything all come together at one time one


that's why I say when you down on luck one time you have to you have to Kena it for three times first ah before you can get through it, never mind you observe and see


do is there a time you felt betrayed


ex ex ah, uh yeah but luckily


yeah I know, but it's over, but do you fear that do you scared that it will happen again


very good at least you just throw away, like what is past is past already ah, really like face to face


ah then did you tell him, I cannot hear you ah


part two positive experiences, yeah go out eat already right


you'll always go and hunt for good food one, !huh! haven't ah


[orh] mcdonald breakfast ah , oh I see I see yeah you know some things ah uh takeaway not nice like must really eat there one eh


[orh] ya lor so so so the delivery they have to serve then they have to serve the people, over there waiting time also even longer lah I guess, yeah anyway like during this COVID period hor


you got feel anything appreciative about or not, good timing hor, yeah ever since right like after you give birth all the way right


[orh] okay yeah, !wah! very good very good that's why I say uh people who give birth at this period quite good like at least you have the father to help also you know not so stressed alone


why too noisy ah, it's nine to nine ah


yeah uh actually a lot of people say that it's it's busier, I see yeah I I I'm thankful leh like you know a lot of things ah actually from cannot become until can during COVID


period yeah like uh uh like, like you know last time insurance agent you die die you have to go and meet client to sign one what but because of COVID ah they can suddenly change history suddenly can have this new thing whereby you can sign uh via online


and things like that right if they, ah correct correct so if if if like last time they had this ah probably it will be like so much better you know since we are in the digitalisation world


yeah so so this is one of the thing ah I feel and and we save a lot of time eh we don't need to travel, yeah, imagine I from sorry


yeah but must still dress up must still dress up cause they see uh half body mah so must, still look presentable at the top below wear boxers never mind yeah


oh I say I say save a lot of time because imagine ah like from Punggol then I go until Jurong right then imagine cannot close case then you have to waste two hour of travelling time to and fro eh but now right you cannot close case then okay bye leave meeting yeah


correct correct so so actually I think this COVID in a good way also lah like a lot of things become possible, right, which company got work from home always one also don't have what


ya lor at at first I thought phase two open a lot of people will go back but no leh, yeah see so maybe next time they don't even need office space save money also


really ah, but okay lah some, uh but never mind I confident in our singapore , what badminton


oh you mean the coach was a confirmed case ah, !wow! okay


maybe he don't know leh, yeah, correct cause now also easily got the don't have don't have any uh


symptoms one ya lor nobody know, but okay good really ah okay lah, group


!wah! damn damn I see yeah, but good thing you and me and our family everything okay very safe you got any friend got got quarantine or COVID or not


[orh] that one Bo Pian ah that one can't help


oh okay okay for holiday


yeah very Shiok hor I see my friend also MBS, MBS eh my friend stay, !wah! not bad ya lor, so not bad what you see they get they get to stay hotel life hotel style


but hopefully nothing happen yeah still got the hotel chef cook for them one eh, provide food yeah, !wah! anyway I I hope this one faster end eh my cruise coming up in november eh don't know can go or not leh


yeah I postpone then now november hopefully I can go, now also cannot what


[orh] really meh pubs so so close leh maybe by then ah they will ask you to postpone also, so so where is the first what is the first thing you will want to do


holiday [orh] bring one bring your baby why, yeah yeah


that's why you you go and see the listing lor where can go I think Taiwan can right, but imagine you go there then you have to quarantine fourteen days seven day seven day I think


go one JB actually one day now become fifteen day yeah so uh, !wah! you know recently I play with <mandarin>弟弟:di di</mandarin> right he very cute leh cause you know he like everything blur blur don't know like that ah then that day we used a point gun ah then he shoot me mah then I then I like I act I die like that ah


then he come and cry leh he say I don't want mummy die I don't want mummy die, so sweet you know then I ask I ask #peng lek# to try one more time , I I he say I don't want you to shoot I don't want you to shoot then I, I passed the gun to #peng lek# I ask him eh faster record a video then #peng lek# go and shoot me then he so angry with #peng lek#


yeah so sweet mummy boy that !aiyo!, how about you how about you I see I see dylan !wah! he really damn good at the the BEELW ah


bully you meh, how he bully, he know he know phase two already ah


!huh! he he will press himself ah, yeah so cute then if if your your parents-in-law don't bring him he will cry


so cute !huh! but okay leh that day I carry him, see mood ah maybe that day he good mood


so it's your fault he follow your genes, that, terence is stay home one right