oh, (mmhmm) (mmhmm)


car will be expensive cause you gotta buy the, what's it called, yes that


oh, , (uh huh), you BTO now lah then next time then you get married


oh, oh I didn't know that, okay I'll take that into consideration I know


I never even considered like buying a house or buying a car or anything like that, but, ya cause you're old you're like you're like twenty


ya, , but then like for me I think like a strategy I'll recommend is like for the income slash allowance you get now you put aside like eighty percent of it and only spend twenty percent like no that is actually like the healthy amount like you should be saving like the time I


like now lah ya you got bills to pay now, , no but you gotta start planning now you're gonna get married in like what fifteen years, fifteen years then you wanna try, okay you're gonna get seven hundred thousand dollars in five years


okay ya so like put put aside eighty percent right and then I guess you can buy stocks and stuff to like grow your wealth for the if you know how to buy stocks ya


part three negative experiences


I guess like err loss in my life is like my dad my dad passed away but then I don't really have any emotions at that point of time cause I was like what four years old five years old and at that point of time you don't really remember much or you don't really feel much and I didn't I I feel like


I didn't really know what was going on also I felt I know like everyone around me was sad but I didn't know why but I knew my dad was gone and I knew everyone was sad but then I I felt like I I was just sad because everyone was sad I was sad to see that my family was sad


but then ya other than that I didn't really feel much and cause I don't really remember much about him also and like I mean in within that four years is also like I known you for what three years it's like almost that amount of time you know what I mean, but I'd be sad if you died lah but


ya ya I'd be sad if you died but as a kid you don't really know much and then how I dealt with the loss I feel like as cliche as it sounds time heals lah like it really does it's like over time you forget and over time you heal and like new people new people come into your life to fill up that void


and stuff but you can never be like completely healed there always be like some part of you that will always miss the person ya, no I don't even harp on it at all like I don't I don't think about my dad much ya cause there's really not much for me to like think back to


but I guess for my family members they will like feel the loss lah, ya


(mmhmm)


(ppc)


(mmhmm), uh I think studies makes me really stressed that's about it, I think that's like my main source of stress


oh yes that too that that, ya that really stress me cause I feel like I don't know lah even even after I submitted it and like after I get matriculated right I still feel like some part of me feels like I made the wrong choice


(mmhmm), (ppc), (mmhmm), don't think about it until we have to face the reality ya


ya like yesterday, ya like yesterday I was talking to my mum right then she was like she was asking me where my my my this friend was going then I say she's going info systems then she was like !wow! good choice uh this is what like the industry needs now these are the people that companies are looking for and they are willing to pay a lot for


I was like uh ya but I'm not going there so like too bad then after that she was like oh is it too late to change your your choice like I think she say that as a joke but like like I'm already so stressed about this kind of thing so it made me really stressed she was like I was like thinking I was like thinking to myself why would you say that like why would you be like joke around like this kind of thing like oh is it too late to change to info systems


it's like I work so hard to get into my course and then you ask me to go like to another course and then she's like oh you know what's the next up and coming one also she said oh environmental studies and I was like, seriously ya I like that


I can do like sustainability but I cannot specialise in anything environmentally like specific lah but then like she's like oh environmental studies is what people are looking for now and then I was like why would you say that you know it like it was such a tough decision for me and then you brought it up and then you bring it up again after I matriculated and everything as if I can do anything about it right


then I cried cause I was so stressed cause I felt like I I've I really feel like I made the wrong choice I don't know , (mmhmm) (mmhmm)


(mmhmm),


ya let's just not think about it you already matriculated what can we do right I mean if you really don't like it then like during your school term you can always like appeal out ya you can always appeal out or you can like drop out of the school and go to another school, ya,


, uh honestly same, ya, (ppc), (mmhmm), oh


(mmhmm), (mmhmm), no,


!wow!, , ya same, , (mmhmm)


(mmhmm), I think my most traumatic incident is like after my PSLE cause I really did super badly and like for me ya I I and for me the only path in my head right like legit the only path in my head was to go back into like the secondary site of my primary school


but then it's like a good school right so even with like like even with my affiliated score I can't even make it in, ya so I was super stressed and all my good friends who were gonna go back and like my family's only plan for me was also to go back ya so I couldn't make it back so I ended up in another school and I hated it so much because it was a totally different environment cause I was from all girls school right and then I was forced to be put into like a mixed school environment


and I didn't know how to like adapt I didn't know how to like talk to these guys they were so annoying and all that stuff and then yes serious and and their culture is so different cause I feel like in my primary school like in that school in general like we are very sheltered and like because it's a girls' school right so like and like we're kind of like privileged cause


the school has money and all that stuff so they will always like give us the best and then the the facilities were really good and all that stuff then I went into like the other secondary school it was like a world of a difference like you know we cannot even like leave things under our desks


or like on top of our desks we cannot leave anything around because they say like people will steal it they straight up just told us that people would steal it and it will go missing and I was like what this will never happen in like, my school right in my other school, ya so it was like really a wake up call for me cause I realised that I needed to like start I really needed to work hard


to, get where I want to in life lah, ya but in the end I I I went back to that school cause I I begged the principal take me in, ya but then it was really traumatic then I feel like ever since then I took my studies like seriously, ya


, (ppc), , I guess like, to enjoy what I do


like in the future like my biggest goal right now is to like have a job in the future or like find a passion in life, or and have a job that I don't, feel like it's a burden to me, ya and what's holding me back I think it's like


the fear of the unknown cause there's a lot of things that I want to try like a lot of things that, I'm passionate in but I don't dare to chase after because I I feel like , there is no, end like there's no like


end goal I don't know how to say, like for me I want to do environmental studies right but then I'm very scared like that that would lead me to a job that is like not well paying or like ya all that stuff so in the end I just chose business


ya, (mmhmm)


it's the fear right, (mmhmm) (mmhmm)


(ppc), ,


, wait so this african proverb is like what so if people don't appreciate you people don't like like people are not grateful for the work that you've done wait what I'm so confused the child who is not embraced by the village will burn down, to feel the warmth


how do you interpret this,


I I I, I think like how I saw this like proverb was kind of like like if you put in so much effort and then you don't get like, the recognition for it then like you're just like ah shit like let's just like


like ruin the plan you know okay so for me right it's like my project work it's like I put in so much effort okay and then like and then I still got like into arguments with my my teammate because he say like I never do anything and then I was like oh my god what I should just like sabotage this whole thing so that


so that no one does well right or like, like just don't do anything and then just submit it and then we'll just get like ya then everyone suffer together like I had that I had that I thought of that lah but it didn't happen cause obviously I want good grades right I even had to do like even if I had to do the whole project alone I would do it just to like get a decent grade but ya I guess like that was the closest


like when it comes to project work when people don't appreciate my effort then I just think of like sabotaging the whole plan but then I realised that like they will be sabotaging me so, ya yup next, , no


(mmhmm)


ya ya ya, (mmhmm) (mmhmm)


ya can, ya ya ya ya, ya


(ppc), , I really don't know leh, oh ya okay ya ya ya okay maybe like like my track and field competition cause I'm a thrower right so I've been doing the sport for like what nine years of my life which is like really really long then sometimes like I would like the trainings the few trainings before the actual competition will go so well


like I will throw like really good distances like my best distances that I've ever thrown and then my coach like everything just feels right like suddenly like the technique everything feel so good and the and the and the coach will be like oh ya you're doing so well and then I go into the competition expecting myself to do like the best that I've ever done and then I just end up not performing I guess it's like the competition stress or like


I don't know I feel like I take my competitions really seriously like, like very seriously I'll mentally prep myself and everything and physically prep myself then when I go and then I just disappoint myself because I just cannot perform ah I think like I I can't do well under pressure so when I'm in that cage like the discus cage when I'm in the cage and like everyone is like staring at me like all twenty twenty participants are staring at you to throw and then all the coaches


I get really stressed then something just you just always goes wrong like it always goes wrong and then I just don't do well and then it's like I feel so sad because like I feel like I can show so much more, and I've been like doing the sport for nine years and people know that I've been doing th3 sport for nine years because the people in my sport right is always like the same few people so it's like how come they can like how come they are always like constantly improving and their distances are always getting like further and further and then like you see me who's also been in the the same sport as you for the same duration right and I still cannot improve


and it's like really like super embarrassing and like ya just wanna cry, ya, ya it's, it's like so sad man


ya, (mmhmm),


err, uh, no ,


(ppc), (mmhmm)


oh my gosh, !wow!, (mmhmm)


I I don't have so let's just move on , what are some of the hurtful words someone said to you that you wish to forget, oh I thought you gonna go first


(mmhmm), who has ever called you fat


(mmhmm) (mmhmm)


ya I know I know I know what you mean, ya ya, ya okay, (mmhmm) (mmhmm) (mmhmm)


(ppl), same okay I'll I'll say same


yup, , part two positive experiences


(ppc) !huh! oh my gosh okay I love my I love birthdays okay so I think my best birthday present I I feel like I got two best birthday presents okay so like the first is my sixteenth birthday


err I feel like okay I don't know if it considered a present but my party was technically a present like the whole the whole surprise was a present cause like I didn't expect it to happen and and they spent so much money on it like I heard from my mum okay I didn't hear from my mum I heard from someone my mum told someone someone told me


that cause she's the one that planned the party right so she had to and then I think she don't know how to like use taobao and stuff or like shopee or like Qoo that kind of stuff right to buy like the cheap the cheap stuff so she hired a uh a event decorator to to decorate the function room like


yes the blue colour party ya there were like hundreds of like helium balloons like hanging down and then there were like streamers and everything and the cake was so expensive and all that and I was very surprised cause like all my close friends from like all the different parts of my life were there and I didn't expect it at all so ya I think that was my best birthday present


ya cause I was very like surprised and loved yes what about you, (ppc), that was a birthday present


I thought I thought you bought it, , so I'll need you to buy me a small tiny compact camera


it's quite expensive right like seven hundred eight hundred, are you serious, !wow!, (mmhmm) it's very convenient it's it's it's really worth the money cause it's like so small you can keep it in like your bag


, but I feel so extra whenever I whip that camera out it's like my it's like I'm at the cafe let me take out my camera


I'm so embarrassed to take it out, , , okay


(ppc), you wanna start first, (mmhmm)


(mmhmm), (mmhmm)


ya and you end up doing like so well do you think like if you didn't retain you will have done like equally as well, (ppc), ,


what's wrong with you, (mmhmm), ,


okay I think my biggest blessing in disguise is err going to our JC I don't know if I'm supposed to say the name cause I like she say don't like


tell your personal information right okay so like I I think the biggest blessing in disguise is going to like our JC \ because at first I was considering like three four other JCs before ya like our JC wasn't even in my top three choices


starts starts with C ya then I really really wanted that because a lot of my friends were going there and


, ya and then my grades weren't also that good it was like between the range of like and kind of good it's like almost single digit but not yet kind of range, ya so I thought that I wouldn't make it into our JC because our JC the cut off is like quite quite low right ya so I just like


last minute decided I don't know lah like some like somehow someone I think god told me to like just try our JC so I just put it as my first choice and then I ended up like loving our JC and I met a lot of good friends I met like people like you and like my class


ya and then I feel like if I went to the other JC instead like my initial first choice right I wouldn't have liked it and I heard that the teachers aren't very good either and their grades are not good either so, I'm happy that and their uniform not nice make me look so fat then then like ya lor I feel like I wouldn't have done as well as I did for A levels if I didn't


if I wasn't in our JC I feel like I won't I really I feel like I really would have regretted ya if I went to the other JC instead, ya, ya alright what is the (ppc)


, ah, ya you eat it every morning right, lol, err I feel like I don't really have a comfort food eh, no no I don't okay ya okay maybe milk tea maybe bubble tea bubble tea I love bubble tea


but I I know I don't have food that like comforts me when I'm sad I just like I just love eating so I'll just name a few food like a few things that I like to eat okay, oh my gosh yes I love my sister's banana bread it's so good like I okay my sister's banana bread actually and then like any sort of bubble tea and I really like korean food so ya


I guess it cheers me up anytime I eat it cheers me up, ya , , uh I like my height


okay let's okay let's say one physical thing that we love about ourself and then one like non physical (ppc) okay ya ya your eyebrows are nice, ya your eyebrows are good mine mine are ugly okay you are so yours is eyebrows mine is my height okay then one non physical thing


I'll try to think also


, (mmhmm), ya you're very funny person I felt like ya stop stop it stop don't


uh then what do I like I don't know leh there's nothing that, okay, oh oh ya I like to do those I like to do those I what's that called caring no I'm not caring like thoughtful okay I think I'm quite thoughtful okay yes I like that I'm thoughtful


okay, you wanna start first, okay then I'll start first okay I think I look up to my mum


the most ya I guess it's like the it's like the most like (ppc) stereotypical answer but it's true like I look up my mum the most because like she works really hard to like earn money for the family and like there's like a lot of people in the family to take care of ya and like


she sacrificed a lot for her loved ones like she didn't go to uni cause her family didn't have money so she had to go and work to like support the family plus bring her two younger siblings which is my uncle and my aunt to uni


ya so she didn't have a uni like she doesn't have a degree she has a diploma lah but she doesn't have a degree and she sacrificed that so that her loved ones could succeed in life , ya it's quite sad actually then okay but she's fine she's working she's happy ya she's good then ya she like takes take takes really good care of me and my sister and she like buys me whatever I want I guess like that's like spoiling me but like I


it's fine I like it ya so ya she's a really hard working and she makes a lot of sacrifices which is like really hard for me I don't know, ya, selfless I think selfless is the word okay your turn


, I just said I'm thoughtful, I know what you mean I know what you mean


, same same same same same ,


same


, ya I know what you mean, ya and like charge my phone for me , (mmhmm)


(mmhmm), a family ya


, yes same, when did I when did I ever been appreciated okay , err, uh


, start with a B, oh okay, okay, okay ya ,


(mmhmm), (mmhmm), ,


uh, so sweet, , !aww!,


I think like when I was a vice captain in uh secondary school then ya track then I really had a lot of things to do like I've to plan camps I have to like negotiate with the teachers the teachers like was so fierce and they hated me


and then ya have to really go through a lot for like my track team and I sacrificed a lot actually like a lot of my time \ and all that then uh at the end of it then they like all wrote notes and like gave it to me, in like a envelope and it was like quite sweet lah it's like even though you know those kind of small notes is like hi #yen shan# thank you that kind of stuff ya and then like you don't even want to read it it's like I don't I probably probably didn't read any of those notes but it's like the thought that counts you know it's like the fact that they even thought of like appreciating you and like spending time to even write a hi #yen shan# thank you


like thank you for your effort lah yup you want to describe your perfect day, , (mmhmm)


(mmhmm),


, !wow! that's your perfect day


nice okay I think my perfect day was will be like I don't know not in singapore I know like it will be like in korea or like japan where like the weather is nicer like I feel like I I really I really like spring weather, like when it's getting like cold but not eh is that is spring is like cold cold but not warm ya okay !huh! cold but not warm ya correct correct like spring spring fall that kind of weather


then like I wake up at like nine AM and not feel tired and then I'll go for brunch at like a nice cafe and then, ya I take my G seven X and snap a few shots and then I get some really good instagram shots and then I can post it on my instagram actually that is my perfect day that is like my dream day then


like after the cafe like you go to the first cafe is to drink coffee right then you go to another cafe to eat your your lunch or like your brunch or like your meal right then after you go to another cafe to eat your dessert, then like you just walk around in the park or like something like that like walk in the park or like


ya exercise or something, my perfect day will be like if I'm skinny my perfect my perfect life my perfect day will be like I'll be motivated to exercise that my perfect day ya then I'll just walk around go shopping exercise then go home and chill


ya, ya okay , wait what's the question


oh ya I guess my A level results also, ya like !wow!, minus your ya minus your camp though like , really


because in the end in the end you still did well so it it doesn't really like matter, I don't know I really don't know


same, don't know what's the nicest thing I I don't remember, I know the nicest thing someone has ever told me is like that I'm like a okay it sounds so weird but they say like I'm like a a like a adapter like a like you know you put into the wall the socket the power socket I'm the adapter because they say like I can like


like join people from like, all walks of life ya ya ya I can join like two ya I can connect people ya which is like so nice to hear ya it's so nice to hear ya


cause he don't follow the recipes, (ppc), , that's how that's that's how baking was there's like chemistry in it


(uh huh), what was the happiest moment


no, (mmhmm), !aww!


(mmhmm), !huh! you went you did not go, !huh!


you got go after A levels meh you didn't go after A levels, oh ya oh ya ya ya ya ya ya ya okay okay okay,


(mmhmm), I think my happiest moment is like the day the Geog paper ended which is like my last A level paper I was legit so happy that I was done with like A levels and JC ya I really don't think I have ever felt happier ever cause ya cause my Geog paper was really bad like


you don't know how much I hate geography it's like I I love geography but I hate studying geography and it was really really really really super tough studying for it especially like after my first Geog paper which did which I which went so badly then like after the sec after the second Geog paper which is my last Geog paper right I also did so badly


so I was just happy that it was all over you know there are nothing to like worry about and like you know that constant stress and like the tense in like the tenseness in like your chest during the A level period is like you can never like be off guard you know, ya I hated that feeling so much ya I guess that was my happiest moment


when A levels was like over or like my results I was really happy with my results I cried, no I cried I like cried at the staircase, , oh okay


financial related topic


ya like that day I was just talking to my friend cause he uh just recently became a uh insurance agent lah so he was talking to me about insurance and stuff then I realise that I didn't actually know what my plans were because my mum handled everything


so then I just asked her about like oh if you have any like information just share with me lah because I think I should like at least I have an idea of what my coverages are then she showed me this whole portfolio that our insurance agent had compiled and there were like presentations inside so then she told me like I had four main plans


I think one one of them is uh the health shield gold max which is just like just a normal hospitalisation and surgery cover ya and then we have this essential A rider thing which just like that uh reduces your co-payment and deductions deductibles


so you don't really have to pay anything when you go for like hospital any surgeries or whatever ya you


oh, ah, ya I think I have that also


ya mine is under, AIA then it's like it's like life insurance but then they also take uh a bit into investment right, ya


ya that is quite cool because I feel like at this age when we aren't really earning money right I think is good to like save aside some so that when we actually cash out which is like maybe like ten to fifteen years later right that's the perfect age where we have like like buying houses or like buying cars everything so we get that like


extra money is good for us lor ya, ya and I was also looking into other like beside from insurance lah more investment related like unit uh unit funds or ILPs like the investment, ah eh


insurance linked policies, ya so that one is like also sort of like our lifetime protector or like premium life so it's also you put in a sum of money can be monthly or can be a lump sum and then they will set aside like uh you can actually choose how much money you want to put into investment and insurance so like for example if your


you are already working and your company already like provide most of the uh insurance that you need you can actually talk to like the company and then they can have more like have your policy be more investment uh based ya it's really cool


ya, no do you, do you know what that is , why don't you share with me


so cannot withdraw, so it's a investment or a insurance, oh so you are giving like a company money is it to like for them to help you invest


oh, so is like unit fund also lah, oh, oh okay oh it's guaranteed ah oh because most of these like uh most of these insurance companies they are not really guaranteed like they say that especially like I think for most plans is like oh after ten years right it's not uh guarantee because the first ten years they like no matter how bad or good the uh economy gets


like they make sure that you have uh some returns ya but after ten years ya so after ten years then it's really like it depends lor on the economy everything ya,


ya I feel like like I'm trying to get this scholarship so that I could get like a monthly allowance then cause most of these plans right they allow uh monthly like they allow you to put money every month so I think like even I think AIA or like DBS right for like the unit fund or anything is like


even a hundred dollar a month is like okay ya so that is quite affordable ya if you


she want to sell you something is it, , oh


but actually it's a bit hard because for like let's says people who are studying right like most of us don't have income unless is like allowance from our parents and then we like we don't really feel that like you don't feel good taking that money from our parents to like put aside you know cause


it's not their job what to give us money for our future ya I don't know I just feel bad lor so I am just waiting to like have like at least a bit of money on my hands for myself to spend lah then I can decide where I want to put it ya


I guess, ya guess it's good cause my like the plan that my mum bought right for the pro lifetime protector is, quite good and then like there is a current cash value also, of I think like


like three at least three hundred K like current cash value ya so it's like if I don't touch for even longer right then like it will grow even more, ya it's not bad and then and she keeps saying that we don't I don't have enough coverage because uh she also doesn't really know like what I need then so my friend who is like whose dad is an insurance agent at AIA so she keeps asking me to ask him what plans did the dad buy for him because he is like around my age


so he feels that the dad will know like the best thing to buy for someone our age ya and he is some ya insurance agent lor like quite up there one ya


ya apparently we need like those uh that cover accidents, is different ya, ya are you remember that time that I got my head injury ya so I walked into the the sharp edge mah then I kind of I broke my forehead open here and then it was uh we went to Mount Alvernia so that is a private hospital right then they


uh they got this like specialist like he's more uh trained in like those like plastic surgeries uh like sewing so it was actually quite late already like it was like almost twelve AM and then they got him down and then like he did it really quickly and everything and then uh I was hospitalised for like one night


and then we we didn't pay anything even though the ward was like it was like a four person ward I think so I think is like quite good one some more is a private hospital and we got a specialist to come in, ya it was my insurance coverage because normally right like no matter uh even like the best plans right they help cover like private hospitals but then those right you still have to pay like uh co-payment or like deductible and that like you can add up into quite a bit lah even though like compared to the whole


price that you should have paid is nothing but like this extra rider thing right is really very good and I think this plan that my mum bought awhile back right doesn't really exist anymore cause now for AIA lah like the rider plan is like you still have to pay uh I think


monthly is like at least three max three thousand for co-payment ya so then this essential A one right I think they removed it because it was uh like I think they didn't like now government don't allow you to not pay anything because they want you to take a part in your like


uh health ya ya so so my mum told like my friend told me that you have to hold on this plan forever like you cannot stop otherwise like ya, otherwise cannot find back already ya


ya, ya medisave is only for public wards I think B B class max ya


ya I think is out of pocket already ya but the good thing is that for like the health shield gold right all of these they have this uh medisave or medishield premium but you can pay with like the medisave so that is


so anyway did you get insurance when buying a car , have you thought about it


ya I remember , cause and we almost miss the flight so , ya, I feel attacked , ya but anyway like I feel like most people like travel insurance is something that like okay lah for me personally right every time like I think about it right I look at the price is like okay especially when I am paying for my own trip right then I will think of it as something like like it's not very instinctive in my mind that okay we have to get it


cause like I want to save as much money as I can lah but especially now like if you see the whole COVID situation is like you really never know when something like this could happen like all the flights just suddenly cancelled all then if you never buy like travel insurance then like really like you are just


lose out all the money eh cause a lot of my seniors right they were supposed to go Ireland this year also like exactly this time frame like most of them right before the whole COVID started most of them actually bought their flights already like bought their tickets then they booked all their hotel all like already so


when, like the whole COVID thing can happen right then, is like is good that all of them bought insurance I think because for flight so far like so expensive I think you want to be insured lah ya so


ya so I think from now on right I will really be mindful when it comes to travel insurance , another thing about car insurance right is like I like I get the importance of it when it comes to like , uh ya I get the importance when it comes to like accidents like major accidents but then for because recently like I scratched my car right then is like you I think you can you can like uh claim you can claim


but it's not worth because like let's say if like you one time fix then is maybe like less than five hundred then like if you claim it right I think your premium also go up right, ya so I like I've a bit wary of car insurance like when is the appropriate time to claim and when not to claim ya


anyway, yes I use paylah and paynow and like use visa for OCBC like the frank OCBC ya I feel like this uh like this whole wave of like E banking are very is like super useful because now like I don't really know a lot of people that carry cash with them like even my school canteen like all the canteen stalls right they allow like paylah like you just scan then you pay


so nobody even carries their wallets with them anymore,


oh, ya as I am having a bit of difficulty with paylah because like I have linked it to my DBS card but my DBS card is just it's like it's not a debit card so it's just a bank card, so I can't actually do any online transactions with that so I am a bit like confused of how to like maybe add another card to the account cause I can only transfer money from my paylah into that DBS card but what if I want to like transfer it into another account like another card account


ya so I feel like I am still a bit confused at like how to use all these uh all these applications lor, ya another thing is that right like I hear people always like they say oh apply for this bank lah like the interest rate the interest return is higher or like is better you get more like offers elsewhere but then like I also not really sure like how like which card is the best because some people said like Standard Chartered like the returns is good


like interest rate very good then like you know DBS ya then DBS always have those like offers you know like you go watch movie then they got like offer or like food or like grabfood they have also ya


, ya do you have any like interest in like you know like buying stocks those kinds like investments ,


ya cause I keep like because my parents now they are like not doing any much mah so they just decided to like start looking at stocks like buying stuff ya so when I think I've a month back or two months back then they started like buying shares because like


apple especially apple then they bought like not sure if they bought boeing but I think boeing was a good buy like at that point of time because it hit like a really low point and then so they are just getting like involved in all these and then every night they will talk about they will have like an hour discussion


about like stocks ya and then they as I think is a good option if like you have time or if you are willing to plan your own like or like do your own research of what to invest in ya but for people like maybe if you are just like busy working full time you don't have much interest you don't know how to do it you can just like put your money to like


some like fund manager they can like help you with it ya, , ya


true, , ya, do you have any financial advice you give to yourself when you were younger


ya, oh ,


oh my god that's quite a lot on what what do you spend on, uh ya, ya I keep thinking I keep like trying to make it a note to myself to save more but then like every time when it comes to like food or like


anything I want then I will be like I should treat myself so I think I need to like have better self control and like actually put aside like okay this month let say if I get like this much allowance I'm only going to touch like half of it or something like that, like I think is better to like start so cause can you imagine like if we started in like sec three sec four right then compared to now right we will have this lump sum we can actually use to invest ya so I think that would be like what I would have done lah what I would have done lah ya


, you can just marry some banking guy and then he can do everything for you , that's the plan that is my that's my sister right now lor she also no need to do anything like need to care about any finance thing because abel will just do anything for her


ya, but then again is like there is always people that say you let say when you get older you cannot you cannot like you cannot just


depend on your earning like your income cause that's like never enough you know ya so like the people who actually make it at the end like really like become comfortable is those that like actually invest


ya honesty, but I don't think I am that kind of person I think my parents instilled that in me from young like I am always the kind that just like oh you know what you should just go with the flow you should just like get what you get lah you don't have to aim high you can just be comfortable ya


ya, ya and it's like if you can earn more like why not you know you can always make do with extra money what like in case like rainy day or like you want to send your kids overseas to study that kind of thing


ya, what percentage of your income you think you should spend on insurance though, ya


like ya investment insurance, ya, sorry do we stop


negative experiences, uh so what frustrates you


what do you mean


oh, ya I guess, like is crazy how like some people can have such different opinions and like simple things like oh we shouldn't okay bring it back to like the whole black lives matter thing like people who bring the attention away and keep saying like oh ya like all life matters it shouldn't just


be helping one group of people but I think that is like how can you be so like dumb right ignorant to think that this about you like you people who just like can't stand to be away from the spotlight lor like even in times of like like in a crazy situation they just have to be the centre of attention


think those like, ya ya ya


ya ya, ya I guess that's the another thing lor like the whole like how easy is this to share information nowadays and it used to be like more, like reliable sources like newspapers everything but then now anybody can post anything on internet and then like you don't know who is reading what so let say like you post something that is like wrong maybe some impressionable like teen or whoever just reads it and then they fully believe it


and then you are just spreading more false information I guess that's another like big thing that frustrates me that like, people like purposely want to spread like false information like be it on the big scale or like individual people lor so is like if someone goes on the internet and say like oh jerlyn is a very mean girl then is like you you know that like


these people are just doing it to spread rumours about you but then nobody can like say anything cause nobody knows whether it's true or not ya you cannot prove it, ya I guess that's the dangers of like using internet lor and it's a bit like it's quite sad lor in like


cause now like it's good that people are like posting things about themselves you know is like if they want to share like let's say maybe on tiktok lah people want to share oh I can do this dance I'm going to show everybody then like the whole like like you can't control what other people comment or


what other people say and then this idea right that you are just behind the screen and you you are not going to hold any responsibility for what you say to someone else, ya and that's just just really like scary lor because like, a lot of people are actually dealing with like mental problems like depression so


but other people right they are actually very sad, ya, ya and


, ya, ya


ya I guess is a very big change lor in culture cause like previously (ppc) like jokes were based of that like stereotypes and everything is like that's the that's the prime like category to joke about, ya but then nowadays is like I I guess you can see in the good and bad way lor like people are getting more like like they are voicing out about their opinions but also in another way like things are getting harder to like you're it's harder to say certain things like maybe if like I


like if I'm talking about this person right like he is real like character flaws maybe this person is like very selfish then someone else can be like oh you just think that way because like maybe he is a minority or something like that you just want to like bully minorities then is like that's not the problem lah why why do you have to make everything so like


like so deep ya, minorities ya oh my god you know recently right you know uh big mouth


ya I know uh this that is like little character like there is a little girl on the show like she is a African American lah I think or mixed and then after that it was it was usually like a white actress that uh did her voice ya but then after that like then they then they say okay we could make a decision that we are going to hire black actress instead


to ya it is like like I guess is like very considerate move lah but then again la I feel like oh it shouldn't be that big of a deal like, who like doesn't matter who voices them you know like anybody can voice anybody I feel like


ya, ya maybe that's why then again like ya lah like hollywood does have to be more fair lor in the terms like in like who they are hiring like who they are looking for like lot of people just want to cast like a certain race instead of ya


anyway , what's the worst thing you've witnessed, in your life like just ya like what ya it doesn't have to be on you lor like anybody


ya, uh


ya, ya, ya


, ya and they are giving up so much at home to like come all the way here the least you could do is like be nice about it


ya you should, call the police on her ah, , ya, then what is your greatest fear, ya


like oh,


ya, get, ya I feel like I'm very afraid of like failing like cause now it's like wherever you do right is like you want to be like you want to do your best at it and you want to be able to do well like you don't want to tell people like oh ya I tried for this but then I didn't make it or like I failed


ya so I feel like this is a very scary thing for me lor like I, like I just want to be able to achieve whatever I put my mind on, ya, and then it uh sorry


oh, ya, ya I guess for me is like I don't really want to I I don't want to accept that like I cannot do something ya but I guess is like is a part of life lor I mean if you want to like be adventurous you have to be okay with failure lor


ya, but also like another fear like I think I've told you this before lah but like another fear of mine right is that like cause now is like we are getting we are getting older and then like we have this norm lah like that like every like you should settle down by like thirty


I guess thirty ya is like the average age to settle down and I'm scared right that cause I've seen like my friends right who are like I had a friend uh she recently just turn thirty then she uh like broke up with her boyfriend of like six seven years


ya and then they were they already BTO leh they really BTO then they break up ya so I just very scared like that like you cannot find someone you you want to spend your whole life with by the age cause like us like girls we have like a biological clock


so if I like they say are safest to give birth like to your first child by thirty so ideally should be married by like twenty nine I guess


ya, ya but as in is just not as safe lor I guess, but ya I am just scared that like you know what if you like you you spend this like spend so much time with this one person and then you think that like okay this is the person that like I want to spend my life with but then suddenly like things just change like you realised something like oh there's this traits that I cannot live with or like


I I just want something else lor then is like if you already at the age right let's say you are already like late twenties and you realise this then for me that is a very scary thought to like restart the whole process


ya, I don't want to face , do you know how expensive that is , ya, anyway do you have uh sorry you can ask


yes uh, uh I think it was last year then I watch this uh it's on netflix it's like a series it's called uh when they see us ya so it's about like this uh it's about the central park five lah so it's like the case back in


a while back lah I think in the nineteen nineties so it's like this group of like five uh people they were like I think four of them were like african american then one of them was mexican like hispanic so then they were accused of uh raping a raping and killing a woman I think


ya so then like there wasn't actually much evidence but then they were charged lor and then most like they okay they were still minors at the time then one of them was a eighteen already so he was charged as an adult so then they spent like quite a while in prison


and then they really suffer a lot but then they didn't even commit a crime so like the whole like the way that they film the show right is like it really made it very very bad so it's like it is very hard to watch because you know right that these people are targeted just because of like their


race, ya is a true story ya and then is based on real characters also so is like, it's just very, very hard to watch lor ya you keep getting very angry because like the the like the prosecutors like they just keep like you know they have nothing but they just like keep trying to like either like fake evidence or like cover up like the truth then they just want to like charge like that's their only motive ya and it makes you like makes you very scary lah cause you think that the justice system right is something that like


is reliable is something that like will help you when you need it but then like knowing people they are people like that who like, who are just doing it like for their own sake or like they just want to like prove something is very infuriating thing lor ya


how about you , oh, is a Netflix one right ya


what is it about, ya ya


, ya


oh, oh


that's quite bad , oh but is she charged now, uh ya, oh


, ya I heard about the the donald trump allegations also like you know the anonymous the group then they go expose donald trump also, ya


it could ya ya is very hard to, ya it's really, the world really go like money makes the world go round, ya like if you have the right connections and like a lot of money you can have everybody do what you say


ya, a lot of people are corrupt you know ya, ya ya ya, stop them, ya ya


ya, ya, like the whole police brutality thing also like it like a lot of people always say like oh you cannot blame the masses lah cause it's just like uh one one like a few bad apples but I think is that these people right they only go through four months of training and they are certified police officer already and they get to carry a gun


and everything and okay this is for america lah I think maybe other countries are different but for america like the rules are quite slack and it's, is just is unsurprising lor that like if you have such like loose terms then anybody can become a police officer any like you don't really do much screening also so if these people turn out to be bad people like


it's it's not like very big of a shock but it shouldn't be the case lah because like this are the people are supposed to protect everybody, ya, oh ya that's true, ya


ya ya, ya


, ya, maybe, ya


, so after this whole COVID thing right what are some of like the worries and anxieties that you face, oh my god really, did they say anything


oh, , but uh so actually when you are most when you are more senior is like


they are more likely to let you go is it, oh, true true


oh, that's interesting, ya, ya I feel like, after these whole COVID I just feel like it's very hard for things to go back to the way they were lor like


it's some more is like they haven't found a vaccine and, it might I think some articles got say like if this might be something that we have just have to live with lah like it might not be able to be totally cured ya so


like, like the recognition and then also like maybe not enough resources for them to be able to work properly cause they are okay they are understaffed lor so like a lot of people have to work long hours long shifts and then, is just


like of course if I'm like going to work at a hospital in a few [oh] okay (ppl)


positive experiences, (hmm) I think, now at this age right like there is a lot of new things happening like we are at the age where we are growing up like we can start like getting job soon maybe think about like marriage maybe ya so I think that whole chapter is like very exciting cause


I feel like I am that kind of person that wants to aim for like stability so like I want to be at the age where like I have everything like under control like I have a like secure job I have like a nice house I have my doggies ya


yes cause I okay idealistically right like by then everything will be like okay lah I don't really have to stress that much about anything hopefully lah you will be good at your job you be like have everything under control then


I think like from then right you would also have like your financial stability then you can like do things that you want to do like you can travel the world you can I don't know eat out at nice places I think this thing is a very nice time in life lor compared to now cause now everything is still pretty uncertain


but then again if you can like work hard towards that I guess that's my motivation for being alive lor ya you ,


ya, ya, ya I think a lot of the is like a lot of people might think that, oh as in is a joke lah to say oh I want to die or like oh life is so tiring but at the end of the day right is like


some people might think that oh okay like life is meaningless because we are just going to study until we are like twenty something then we are just going to get a job and then we are going to work until we are like sixty plus and then we are just going to like die after that, but I guess life is about like appreciating the little things lor like even if like you are busy the whole week if you get like that friday night out you get like to like


chill with your friends I think that's like your motivation also like your drive, ya


ya, , ya so what is like the best the best thing that you have experienced up till now


like the happiest moment, up till now


okay, , I would I you make me feel like I have to say bingo now but then I don't really want to I guess


okay uh for me, I guess the most I won't say okay maybe not happiest but the most exciting thing that happened to me was err, I guess like going for my first overseas tournament lor ya I feel like it's something that I didn't expect or like even aim for but like when it happen like it was like like at the moment I didn't think much because I just thought like okay okay like I just try my best only like anything like happen I just like okay I just


take it with a pinch of salt but then now looking back right like it's actually quite, like I feel very lucky lor to have the opportunity and like the resources given to me like to be able to like make the team fast and like actually go overseas and like


I know like hockey has been like quite a bit part of my life because I spend a lot of time in it lah especially the past few years and, even though like maybe my parents feel like it's not worth it cause, they think that like oh it didn't add any value cause when I tried to appeal into like NUS and like it didn't work so they thought like oh what's the point of wasting so much time at hockey but


the fact like that, I guess and like I think, err I just like I know that this is like a plus point lah but I don't think is enough to like just totally disregard your results because like I feel like


in the end results still most important lah and you can't just like say oh hockey is useless just cause it doesn't like give you the ultimate plus point ya but I feel like being able to like travel especially like to Ireland like what the heck I can't even, go there on the normal basis like I won't expect my family to just bring me to Europe for like a family trip what but the thing is like we got like a free trip


to Ireland then you get to sightsee also from this and it just make me very happy lor cause I realised like how like how many perks we have and like how lucky I am lor to be able to experience all of that ya


okay uh so what's your favourite activity to unwind and relax


, ya, nice


ya feel like also cause la maybe your family also like to go out so like from young they bring you out then you just like like you just learn to like like it a lot lor ya but for me is like my family I mean okay lah we got go for hikes last time but then, it became more of like a like a dreadful activity because me and my sister always like very tired then because we are very young mah then my dad always like my dad loves to walk like he loves to walk so every time we travel or like anything right like we will spend the whole day walking like six seven hours just walking around


so sometimes it's become like more like of a chore actually me appreciating like the scenery anything but when like looking back right realise like that, it's actually pretty good cause as I know when you are overseas right you want to appreciate like their everyday life you want to appreciate all like of like their like streets and everything ya so I think


that is a good like mindset to have lor to appreciate like being out instead of just being cooped up at home , ya but then again being at home is so nice and like there is no pressure


ya, ya, but I feel like I like having this like downtime like chill time so like maybe okay lah maybe going out is like a fun activity but then like staying home and just like chilling is like a very good time for you to just like relax your like soul and your mind


especially if you are like at home let's say if you are working or like studying then that like that spare time that you have to just like lie on your bed like watch scroll some tiktok it's very, ya


I feel like I am very I am the happiest when like I have no responsibilities like I have no assignments still or whatever and I just get to like, waste my time however I want to waste it , ya,


but like also, a lot of people like they, want to like pick up new hobbies like that's their idea of like making this whole experience like more positive lor like they don't feel like they they are wasting their time doing quarantine


ya so have you picked up any new hobbies , oh so you don't want to master that


oh interesting, , about the future I guess cause okay my sister she is like just graduated and she cannot find job so I guess that is the biggest problem that like maybe fresh grads have to deal with now but for me I feel like cause I will end up


like what I'm studying is like a definite like job career lor like it guides you to this definite job like I don't really have much choice lah and then this job is like especially in times like this right is quite secure in terms like I won't be out of job and like I don't need to worry about like uh


like being sacked in a in a way cause if you work in the hospital is quite essential service what ya so I'm optimistic in the sense that I know I can find a job, ya and I think that's a very big reassurance lor ya cause I think I will


oh, ya


so is there anyone you look up to in your life, why leh,


ya,


!aww!, that's so cute ya your mum is really very nice she is super friendly, she offers me beer all the time ya as that ya I guess is a is a cliche answer to say your mum lor but I feel like ya my mum also is like like very big role model cause like they didn't come from much lor like they really didn't have much like to


work with and then like they went to university and like even though like she just got like compared to my dad lah like my dad got PHD right and then my mum like she just like normal degree then she came out then she like work like she work very hard and then now right she is at a point in life where she is like


like she just very good she is very like big go getter and she is doing so well at her job and like she like really like she really supports the house lor and like I feel like she is very strong like in terms of like, emotionally like cause I know she's been like dealing with some stuff lah which is like like


if anybody else were to like to deal with it I think like I don't think thee will be able to handle themselves as well lah cause like she is still juggling like her job and like the family ya so I feel like she is what I would aspire to be lor ya


, maybe I think they will be good friends though lah I feel because my mum is very talkative and then ya ya, uh, what's your best birthday experience


yes, oh my god ya oh my god the party house is so fun


chalet, a week okay lah a bit less than a week, ya


ya that was very fun we should do it again , ya, !wow! I honestly can't really remember much but I guess the cause like a bit like quite a few of my birthdays sometimes like my parents not around cause they always like they always uh have to travel for like business lor so


I guess most birthdays is like just either like go out eat or like just like my sister maybe buy a cake home and then is quite fun but then I remember the my birthday recently in quarantine then you came over with a cake on your house plate


and janelle and balloons ya I guess that was pretty like shocked like I was very shocked because especially like quarantine lah I wouldn't expect anybody to like come out of their way to like surprise me cause, ya you had nothing to do but thanks ya that thing was a nice like cause


during uh circuit breaker mah so nobody can really leave their house so uh the way that everybody sends their regards for your birthday is to send food over and I ya I got a lot of food that day lor and I was very happy because like I like food and I like surprises so it was very wholesome lor and then I got like flowers lor then got drinks that was very nice


ya so I think that is quite memorable, ya, ya ya ya it's a special quarantine birthday, don't say that ya so when was one like when was the time when you felt very grateful


like to someone, , , okay then when was the last time that err, actually what was the proudest moment of your life then


oh, proud oh


A levels A levels, ya, ya, that's worthy of being proud of what, ya like the chat


we are the last year to win the the hockey match ya, ya, ya


oh, maybe you get the maybe you will like graduate like first class honors then that's a proud moment , okay ya I feel like my sorry what amazes me uh okay what's amazes me


I guess, just like cause okay we just hold like like the recently like a lot of things go down lor like maybe not in singapore lah maybe like overseas like the whole black lives matter thing and I feel like people who are genuinely like go out their way to like help these causes like they just amaze me a lot lor cause


like okay from my standpoint right is that okay maybe cause in singapore we are very sheltered and we don't get to experience like anything like that tragic lah but I feel like, I won't maybe is not like normal lah but like we won't go out of our way like crazy to actually help a course a movement


ya, ya, help right ya


but I just feel like people who really oh, what,


ya, but ya lor like these people just amazing lor and like that time also like the forest fires in australia ya the like those people like go and like, like the firefighters and those organisations that start up like to help like the animals also like these people who like really go out of their way to help others


ya I feel like if like it's quite crazy if you think about it like you make your life goal to helps other people and like that is your life goal ya that is just like super selfless and I can't like I can't imagine doing that lor like I will do a small part to help but like I won't make it like my


end goal so I think those people like really Ups, ya, ya ya ya, ya


, !wow! that's


, oh like aliens ,


ya, ya


true feel like the ocean is also very mind mesmerising thing cause I've been like last time I damn into mermaids like I like not like the not like the normal kind of mermaids but I just think that it's very cool that like only five percent of our oceans are like discovered


so everything else is like you really don't know what's down there and there's no way of knowing cause like some places like the deep sea like really very very far down like no like it's very hard to be able to go all the way down [what] [oh] okay [oh]


related topic, okay


do you have personal insurance , ya


, I also didn't know much about like insurance and stuff so I ask my and my friend also recently talked to me about personal insurance so I asked my dad then he said I had only one insurance some PRUlink assurance account which is under Prudential


it's like it's like a life insurance it's a regular monthly it's something like investment account plus insurance ya so it like, ya it really covers, under what oh


ya correct correct ya same then like you can cash out anytime or something like that


, oh that's that's quite cool, do you have an endowment plan, no


ya , it's like a it's like something like what we have for the life the insurance life the life insurance thing it's like monthly you put in however it's like closed account so you can't like make any withdrawals until like ten years or like twenty years or like thirty years


I think, it's like investment ya is investment, ya so it's something like a savings account slash investment account


ya like unit funds but like the I think the interest is like lower because is like safer cause you're guaranteed a certain amount ya, I think, err


but is not confirm right


I think is like a range, ya, ya but maybe we can subscribe to one after we have income


ya, ya I was talking to my friend and she was like she is like some financial advisor and then she like she like wanted to talk to me about financial stuff ah and then she like ya she wanted to sell me her plan and then she like wrote out this whole like


oh when you want to retired if you want to retire you need to put in like hundred dollars starting now if you don't put in now then you wait until you graduate this is how much you will lose is like quite scary uh


ya same, or we could like pay them back the money you keep track with the interest


so much, oh, oh that's a lot


because he is a insurance agent


so like someone at our age don't really need much lah other than like the basics like medical insurance life insurance then they, oh it's different oh ya some life


insurance doesn't cover, uh ya


, oh, ya


oh, so is your, it was your insurance coverage


ya oh


, ya


oh , otherwise cannot like you cannot have it ever again oh, that's good, like if use MediSave it cannot cover like all those personal suite and stuff right


oh so if you like go higher than that you must pay by by yourself, oh okay


ya, no I have no money maybe when I have income but like when I do stuff like going overseas like the time when we went to thailand we bought travel insurance lah


just in case to cover for like medical expenses , oh ya luckily we bought travel insurance because of you


ya, especially since like we are young and we do a lot of like risky activities, ya


ya, ya, do you use paylah paynow credit card or at or other banking products


ya same, ya, ya I feel like especially universities have become very cashless a lot of places don't even accept cash even the vending machines like usually you think vending machines be like cash only but now is like paylah only like credit card only


oh


, I'm not very sure I only have one card `, ya


ya, especially the jumpstart account, oh ya


I guess having like a variety from the different banks safer also


yes but like not not now I I guess I don't have like the, the money to do it now maybe when I start having a stable income I will do it


, that's good, ya


ya, ya, I feel like if you do personal investments like by yourself you should


use your like extra money ah away from your savings because it's very risky compared to like giving it to like a fund manager ya but I always feel like I always tell my parents like they should invest their money but they don't want to so


when I was younger not really I felt like I've managed my money better when I was younger now is just like, overspending not really caring that much when I was younger I used to like save up five my five dollars per week allowance until I had like five hundred dollars which is a lot and then I spent it all


ya for like five, nothing I just kept it I think after like after I became older then I just used it lor it was like in my bank account ya


true, ya ya feel like something to worry about when we are older, oh maybe ya


that's good, K lah I feel like, it's not good to take your parents the money that your parents give you and like


throw it away to something risky, ya and


those that take risks, ya


ya, same my parents are just like oh you don't need that we don't need this like we need more but like it's human nature to want more so


what percentage, on insurance, maybe like, insurance including investments, maybe like, including investments uh I was talking to my friend that day then she was like you should put in at least like uh okay


like forty percent of your income into it, okay


experiences, I think what frustrates me is like the ignorance of some people


like some people like, I know like uh people have like different like views and everything lah but like the fact that some people like really really like, that like bad things in the world okay like murders is okay and like I don't know like something like that okay I don't know what I'm saying


ya, uh ya correct


ya, I guess is a is a politics things also lah there is always like two sides on the internet you can always find two sides to the information so like there is always if you end on the wrong side you can like go so deep where you get like


you get like convinced to do it because the information seems so like legit you know ya


ya I guess


no one can proof it ya ya


ya,


ya ya you don't know who will come across it also, ya


I feel like you never know who will be affected by what you say that's why we have so many like people may not mean to like offend other people but like, it comes out now then everyone is like oh you you are being racist but then the truly the person truly wasn't aware that they are being racist or they like ostracising a certain group you know it's like oh you you did this thing you didn't include this group so you are you are being racist then like I feel like they truly didn't mean it lah but like


we are so sensitive like in this day and age like everything is wrong ya


it's like ya,


ya ya, sensitive ya it's like now like you TV shows can't kill off like black characters ya minorities because people will get angry about it it's like


ya, oh oh ya


ya I saw it I saw it with


ya okay I I feel like it's the fact that we don't have like black actresses voicing white people you know ya


ya uh ya the worst thing I have witness, it's not a bad like is not the worst thing but like like last year like quite recently like there this woman who like stays in my condo and she is I feel like she is very xenophobic makes very angry ah like she she is very like


like when my sister brought my helper to like in the gym and then she was like then she said maids can't come to the gym like your maid can't exercise in the gym which I feel like is very xenophobic lah like why she's she stays in the like


in the compound and like if we allow residents to like come we allow residents to bring in guests she is technically a resident what she should be allowed to use the gym and then after that my helper told me like she this is not the first time lah she also told like, scolded her friends for using the pool she said maids can't swim in the pool or like she has approached like helpers in the pool then told them she has told them like oh if you come here you should watch the children stop playing


like that ya she is really very xenophobic and then like according to my parents she is like the wife of a rich pilot lah so it just frustrates me that she is she thinks she is so big and like, she has so much power just cause she is rich and she is she is chinese and she is I don't know lah like she is born in singapore lah I feel like we should respect everyone equally people come here to work for us and they're not even being paid a lot


ya ya I feel like if I if I ever like came across her personally and she said something like that I would tell her off ya I will legit tell her off not call the police but I will tell her off


, what is my greatest fear I guess my greatest fear is like not living life like to the level that I want to that like because I too afraid to like I'm very


uh over thinker so I'll like think a lot about the consequences or something so like that might stop me from doing certain things that I want to do lor so like ya I'm afraid that my life will not be as interesting as I want it to be lah or is like as fun as I want it to be


ya


ya so like for me if uh no so like for me like failure is just like I like accepted failure already like is okay to fail just try again lor I guess or like


maybe you are not cut out for it


ya, ya, ya


oh shit, ya


I think in this day and age is hard to do that and is not is not really the norm to like give birth in your like early twenties like even your mid twenties preferably people like start is like now people give birth like thirties that's like the norm


ya I guess you can freeze your eggs


true was there was there a scene from a movie that made you angry to watch


was it based it's based on true story,


I recently watched this like documentary it's not really a movie lah but is a documentary on like jeffrey Epstein it's called like, stinking rich or something like that like is ya is like this super rich guy


who is like he has like a lot of connections with like very powerful people like donald trump like is one of his friends then he he made his money like I think he is a financial advisor or something so he like he got exposed for like


having sexual offence with like minors and like minors is like fourteen thirteen even like twelve like he really he like targets them and he uses his like power and money to like to like assault them ah, so like he he like meets I don't mind where he finds the girls but he like pays them two hundred dollar for like a massage but then like he sexually assaults them ah during the massage


and then after that he asks them to recruit other girls for her so it's like is uh like sexual pyramid predator pyramid scheme, ya so he like pays each girl two hundred to like recruit another girl ya and then no one managed to to expose him until many years later so this has been going on for like really long time


ya now he is charged like finally but I think is been going on before like the this century so like in nineteen like nineties it was going on already ya ya, ya uh ya ya


anonymous group ya he had a lot of allegations against him lah but I guess no one really charged him because he is powerful and he is the president I guess is like this powerful people can get away with things is like


infuriating, ya, ya the fact that like jeffrey Epstein also used his money to like buy out the police so like there's really nothing that can


that could like stop him except like people with like the right morals in the police force who had to like work their way around the other holes like the the corrupt policeman like finally, charge him


ya,


ya I feel like it's also the government's fault like because they don't they don't pay them enough to be trained that much you know you should like make the job for police officer like idealised like idolised them like you know like teachers maybe not in america lah like in singapore being a teacher is like


good that's why people actually want to do it people are willing to like go through the training necessary to do it like you need a university degree to do it so like maybe if we make if we like portrayed in a better light people will be more like we'll get better people doing these these kind of jobs lor


I'm I'm scared that my dad's gonna get retrenched ya like he is very scared


no but like he works once a month today is he is working today he never work for one month already so like the fact that they are paying him like half the salary to do nothing the whole month is like he is very afraid that he will get retrench lah especially at his age he is like fifty five


ya like the older you are not not how senior you are because like his job is also based on like it's a service job so it's based on your looks and everything lah ya so like he is at the age where they can


they are he is supposed to retire at this age but they extended the like retirement age, ya so he wants to get a bus driver licence, ya I told him to do something else but he doesn't want to


ya ya I saw like every ten years will come back ya


the credit


experiences, what makes you want to be alive


then what comes after that would you still want to be alive after you got your stability, ya


ya ya, I think for me is more like the experiences that we can experience in life cause there are just like so many things that we can look forward to like travelling the world like skydiving and just so many things that we cannot complete doing in like one lifetime so like we shouldn't not want to be alive


ya, uh ya


, ya, ya ya I think is the fact that we have to work to be able like feel alive makes people like not so happy about it


they feel like life is not has no meaning lor but I feel like is the challenges in life that make make us want to appreciate more appreciate it more, the best thing I have experienced I would like to think that there would be happier moments up up to not I don't think I have lived long enough to like say that I have experience something that truly makes me happy uh maybe getting getting my dog Lily


made me really happy ya because that something that I really wanted for a long time already, what about you,


ya I think it's because NUS didn't have a hockey CCA at all


ya I think I think it's a good a great achievement for you lah I would be very happy and proud of myself if if I was in the national hockey team but I am not


I feel like my I'm a person who like cannot be cooped up at home so like my favourite activity to unwind and relax is anything outdoors like in nature


cause like I feel like being amongst nature like appreciating the floral and fauna just calms me down lah brings me back to our roots you know like we came from that like all these man made stuff that we are in like we didn't have that lah


ya sweating it out also makes me feel good , ya


ya ya, ya


ya I guess the more we do something the less we want to do it so like we want to do something different so the more you stay at home the less you want to stay at home


ya, ya like recover


ya is like personal retreat at home, ya same like get some control over your life I guess


oh ya ya


feel like that's me ya ya I feel like that's me but then I have a very short attention span so I like pick up something then just like okay I did this small thing so I'm like a level one of this then I just do something else, so it's like I never master anything I am the jack of all trades master of none oh yes


!hais! so what keep with the ongoing global uncertainty what makes you optimistic about the future , ya


ya, , ya


ya,


ya that's true, ya I think for me it's more uncertain more afraid but like I guess we are lucky that we are not at your sister's stage like right fresh graduate like we still studying so there is still time for like the world to recover before we have to go out and like start working


ya so I guess, I guess I look up to my mum ah, I I guess everyone says that they look up to their mum but like I feel like my mum is just she is very generous and very filial like sometimes I I don't understand like how she can be like that filial she will she will find a time to like go out with her her mum her dad


like not even only her mum and dad like her aunts all her aunts she will like find a time to like meet up with them then she will like buy go out and like buy is like roasted pork for them and then like send it to their house like during this especially during this like circuit breaker period


like since she has nothing to do then like on my part like when I have nothing to do I don't think of like buying like stuff for my grandparents anything lah but it's always on her mind lor so I feel like feel like I respect her for that lah she is really very filial she is like


she is able to like be happy with her life like she really loves my dad like the way she talks about him ya yes ya, ya she is very generous


ya, ya


we should like put our mums together then we are like one oh ya your mum talks a lot then I don't understand what she is saying because she is speaking chinese just like oh ya


my best birthday experience (hmm), I think that time when we lived in the party house the time when like I when I booked a like terrace and bungalow like it's like a house


ya and then like we stayed in it for like four days a week I I it made me feel very independent and then we had like a big party at the end so is like, it's like a very whole experience it's like ya it's like you feel like is the first time in my life we are like lived by myself I guess quotation marks what is your best birthday experience


, yes


oh I guess I have nothing to do


ya, , that's nice ya it's like a special like that will never happen again unless we have another pandemic


very grateful to someone not very sure I can't


like I said before I have no proud moments like I feel like there is no proudest moment in my life I haven't achieved something that create that like I feel is worth being saying the proudest moment of my life but like I guess like when


when you get like O levels A levels like you get the results and it's like better than you expected I guess that is something you're proud of lor and like and like like when you play sports and then you like win like like hockey I guess you feel proud also lah ya


ya is like something you work hard for and then you like achieve makes you feel very like satisfied with yourself but I feel like is not worth saying is the proudest no


I don't think that is something that I want to do , what amazes you okay no what what you want to say


ya I feel like in my in my opinion like we we are not exposed to the black lives matter problem like the black lives the racism in america so we are not in a place where we can like provide the best support ya maybe


ya I feel like singaporeans should if they support the black lives matter movement they should like support those movements the other movements in singapore like the racism problem in singapore and everything lah ya


uh ya, ya ya


ya especially those people who like are not are not like the main people like affected by these issues then they like go out of their way to do it I guess this is like what restores our faith in humanity


uh, I guess what amaze me is like what amazes me is like like in the big picture is like the vastness of the universe know like legit though like I've been watching a lot of like


like space like universe like documentaries and like ya is like are there aliens things like I don't know it's like to think that we are so insignificant and small that there are already like we are already so complicated there are already so many problems with us right like


but we are just so insignificant and there are like most definitely like other creatures out there like us uh but like sometimes it makes like our problem seem like nothing so I guess like if you think about it everything is like not that big of the problem everything can be overcome ya


oh ya , ariel ,


part one financial related topics, ya so brandon with the COVID nineteen situation right what financial advice would you have


have have done like five years ago


um, uh no not really ya no but but anyways because I I mean you know since we are all already in university so I was I was thinking about how my money was left in the bank not being used for anything


and you know that for the interest rates of banks which are normally quite low they don't normally even beat inflation so that will actually mean that we are making a loss over time so I was thinking about perhaps using investing as a means to hatch against this so called inflation to be able to compound interest


alongside so I've actually gotten into this thing called robo investing because it gives people like me who have low finances as well as uh no knowledge on investing to actually compound our interest and invest in stocks easily


but what your opinions on the fact that for youths like us with limited capital I find that investing in stocks are too expensive and out of the reach of people like us what your what your views on that


(mmhmm)


, uh, uh ya I sure so I actually recently got into investing in the likes quite recently so over the past few years most of my money was in uh was in a was in a bank and a fixed D so I didn't really have much access nor


intention to shift it elsewhere but you know since the the situation nowadays all the banks have been cutting interest rate and as you know the standard chartered jumpstart account which was originally two percent is now one percent, so this has really gotten me into looking around for more and different options because right now putting in money and leaving it there may not be as


feasible as it was previously to hatch against inflation and I I mean since all of us are still youths five years ago I definitely would not have had the capital nor expertise to invest or anything but definitely if


if I had the knowledge now I would have put in money into a uh into a into a stable index such as the S&P index or something like that but as you know right there's also many other forms of of of methods of saving for example I think


on instagram I've been seeing this advertisement called sing life which offers a projected two point five percent of interest not sure if you've heard if you saw that, ya so but I'm not I'm also not very uh clear with what what that is actually about as well and on the other hand actually for things like health insurance and things related like that I've I've I'm actually not too


knowledgeable about all that as well what about you do you have any health insurance or anything like that


oh so so this is this is not like life insurance right this is just uh this is just uh insurance


uh I see so you don't do you get the money back after like does the money compound or is it just


oh I see


uh ya sure so as you know I'm quite a shopaholic so I spend a lot of money on a lot of useless things if you if you don't know already so so I know I haven't had much savings over the past few years but I think the thing that really woke me up was when the was when the COVID situation hit like


so you know the twenty O eight financial crisis that was a very large issue but we were too young then to actually understand the whole impact of everything but since now since we I actually experience it this like you can actually see the the actual figures in loss of jobs loss of income loss of


loss of everything per se so it actually really made me think more about saving so actually even though I haven't really saved much or have practice the habit of saving over the past few years I'm actually currently trying to save most of the money I get from my current internship and as you know since we are all both in university


right now the money we can get is probably very limited since you you're only limited to working on holidays and maybe get some some pocket money from your parents but other than that I don't really find I don't really see a method to efficiently grow our wealth currently


so I'm not sure if you knew that know but I've actually been part timing in in school for the last semester although I don't think I will be continuing it so it's actually ya it doesn't pay very well but it it it does something at least it


it gives me the ability to save more because my expenditure is currently is quite high ya but recently I've risked a quite a lot of money as well because of uh my compulsive spending what about you


(mmhmm), uh yes


(mmhmm)


uh ya I actually saved uh a bit of money when working university but but as you know the trip I went to Japan I practically wiped out all my savings uh during that short that short how many days was it nine days eight days trip


ya so I know I understand at that point of time that since all of us were fresh out of army that we wanted to go on a on a trip but I guess I was a bit too compulsive with my spending so so the six months of work which I actually painstakingly worked for


was quite quickly used up in that trip as well so that's one thing that I would I wouldn't say I would regret but rather I would actually say that I would be a bit more conscious of my spending per se ya so I was so ya ya you were saying


(mmhmm),


uh ya sure so as you understand that we have a lot of things that are big ticket uh we have a lot of big ticket items to consider in a few years time and definitely having a proper savings plan is essential for the future, and so as you know I I told I have officially gotten into stocks and you were saying that and if I'm not wrong purchasing one stock uh purchasing stocks have has a limited charge has a minimum charge of twenty dollars so for people like us if we have have


not a lot of money to spend just imagine using a thousand dollars to buy one particular stock that will literally just the charges on it would come to two percent of your profits so imagine if you were to buy multiple stocks then to buy and sell and then this would be very unsustainable in the long run as well so I told you I have actually recently gotten into


robo investing so they have they have various options on the market so for example DBS has one called digi Portfolio then they have OCBC has one called RoboInvest then then there's also a lot of other ones like Stashaway Syfe and many more


but basically what I plan to do right now is because robo investings basically tend to follow many indexes so it's not like risky stock stock trading but it's more like they follow an index for example the US S&P five hundred or Dow Jones Index


and then maybe in china they have a a different index so they'll have some of the index as well so this actually hatches against possible inflation and in case of different economies downturn so it's basically generalisation over the whole economy so


actually if you didn't uh actually uh the S&P index over the past ten years I think has an annualised return of about nine percent so I realised that if we had actually invested from ten years ago then the amount would have compounded and we would have basically more than


doubled our capital by now actually based on compounding interest but


ya ya, probably ya probably every every I'll put in some money for their education and allow it to mature slowly and of course I won't put it high risk high risk investments but rather stable stocks that will generally appreciate over time but as you know


since since I I heard that you were actually interested in investing in Singapore stocks right but the singapore stock market hasn't been doing very relatively well over the past ten years, if you are if I'm not wrong the Nikko AM index which actually follows the Straits Times index basically the top few Singapore companies actually made a negative


ten year return so saying that if you were to invest ten years ago you have made a loss even after holding on to ten years versus doubling your profits margins for the S&P index so what your views on that do you think what what do you plan to do


(mm) (uh) what a great conclusion


three negative experiences, so I I guess I would like to start on a slightly less


negative topic but still negative in my sense so you know as you were talking about results previously right so results being very important especially in this Asian Kiasu culture where you know your parents compare you with other people and then if they if they can't compare you with other people they compare you with their even more distant


friends per se so you know this is just a endless hedonic treadmill of comparisons so anyways I remember in in for PSLE I didn't do that well right so I didn't get yes okay so I didn't get into a very


a very good secondary school per se and I remember clearly in my sec one and sec two phase I was very demotivated I would end up playing games I would end up going to my friend's house and I would literally not study and


I brandon how many subjects do you take in sec three, eight right I think it's normal mostly eight and nine subjects right, so so I was so I did so badly for my secondary school uh sec two promotional exams that I wasn't even given a choice to take eight subjects so I was forced to take seven seven subjects cause I did exceptionally badly


uh for the exams and I guess that really woke me up cause as you know for O levels you have calculation of L one R five, and you know my chinese is horrendous so I have to rely on every single other subject and I am not allowed to mess any of them up if I want to get a decent score right so I guess at that point in time I actually really woke up and started studying much harder and


I something actually just lit up in me and said that well if I were to continue on that that then I would be going nowhere at least academic in academic sense, so I guess that point in time was a was quite a negative period of my life where I was cause you know the for sec two is a foundation to your sec three topics


which which like for example physics you need to learn how to read a vernier caliper and suffice to say I did not know how to read a vernier caliper for my sec two promotional exams so I did I did exceedingly badly I think I failed every single subject but ya so, from then on I actually worked much harder and I guess this negative experience was actually a good stepping stone or a good building uh block to my future in which I actually started working harder I went I I did my own notes I studied much harder and


ultimately I did decently well in the uh upcoming years, so ya so I guess that was a ya negative experience I had


(mmhmm)


ya definitely understand what you're going through for today I failed the first test too as well so


(mmhmm), uh well I mean in semester one you know as normally you just go through things and at that point in time I wasn't that stressed I would be able to balance my work commitments and my other activities but I think in semester two


the same subjects was so much harder right I just got so stressed out that I actually kind of neglected my studies and I stopped studying as hard as I did in in semester one so at that point in time I'm I'm really glad for the fact that


there was actually the finals was actually cancelled and the SC option was exercised which allowed me to do this and be well but if not for that I would have done very badly and I guess it's it is really just occur natural occurrence in life whereby, you know as you proceed through university and the subjects just get increasingly harder and you just have to cope and if you don't cope then well then it just then you just do badly and when you do badly and have a bad GPA well then you know it does reflects kind of badly on you and that happens for everyone


which is something that well I believe the academic system should change but that's not the point here I'm trying to make here but ya so anyway along uh so that's why I'm trying to change my perspective next semester I'm going to get a room mate and probably


try to focus on my, on my work rather than not study and getting depressed as well but ya I guess that's just university life well what about you have you have you felt stressed I know you've been doing very well but what what have you felt so far


actually in NS it was rather oh yes so I remember since you know I I'm a very lazy person I really really hate


things that involve physical physical exertion so like, I remember in BMT we were all required to go on a how many days was it field camp, five seven seven uh ya so on the seven day field camp ya I guess at that point of time I was really really feeling very bad because it was just out of my comfort zone you know since


since over the past few years we've actually been accustomed to stress but it's a different kind of stress it's more academic stress but when you come uni uh in to army some people don't fare that well because, people like me can't handle physical stress very well so I guess over the over the seven years having having like a lack of good food having to live in such


jungle conditions and being unable able to shower things like that actually took quite a toll on me which on which was I guess the most stress I have ever felt in army, but ya that I think that was the most uh but I guess it was a good experience after all


sure


I see, oh ya


oh yeah I'll uh I just want to ask you right so you know how you seem pretty academically inclined right brandon wouldn't you say so, okay


alright, so ya so


okay so so I mean okay anyways regardless of whatever the fact is that you've been studying and doing decently well so have you ever felt where nothing you do is good enough despite doing well so was there any


point in time where


(mmhmm)


ya completely understand how I how I've consistently gotten the lowest grade in GP in my classes in the class as well ya then


well I worry about a lot of things but what about you do what kind of worries do you have in the future not just academic of course but, in all aspects of life


ya I'll definitely have to say that the job market was not as prospective as it was prior COVID, but I would believe that over the next few years I'm quite glad the we we are not graduating so soon because I hope it improves in time but ya I understand your consensus in the fact that


everyone around you seems to be doing something as as well as similar to you I have many friends which are involved in complicated projects which I have completely no understanding despite us being in the same course, and then they have internships with various big name companies things like that and here I am trying to struggle even getting an internship so


I guess it does it does make you feel quite inadequate sometimes okay and despite the fact that well we have then been doing decently to get to where we are today but it just it keeps feeling like you compare yourself to people that are better than you and then you neglect those that are not as well off off and then


ya then you just feel very inadequate would you also do you feel inadequate as well sometimes


ya definitely ya definitely so I understand since you're not specialising in computer science but so you may not really need the skills or you may not be, working in such a specific field in the future right but for me in someone where


it just uh so so do you know this platform called stack overflow it's basically a platform for coding related issues so I remembered the first time when I picked up coding I was already, poor coder and I honestly don't think coding is for me but regardless I asked my friend who was who had prior knowledge in coding on this particular question and he didn't know how to answer so I asked it on stack overflow and immediately afterwards my my question got down voted to


uh to oblivion so and then they were like oh !wow! what kind of lame question is this this is such a stupid basic question and that was the point in time where I felt that well you know when people like me is trying to learn things like that and then there's so much comments about it it just feels very depressing and then you're trying to learn you're trying to


improve yourself you're trying to get a head start in university and then people are like, well if you are so if you are if you don't even know the answer to such a basic question then why do you why are you even learning it which which I guess that was quite impact on me on my on my psyche for regarding my particular course per se and even now I mean even after one whole year of


of learning computer science I still feel very inadequate but I definitely am getting better, but I guess the whole process and and when you see people who are coders who don't even have a professional degree they learn themselves they self learn every single thing which are tons of times better than you and then that does make you feel very inadequate per se but yup I am okay with that


so do you fell any similar consensus on let's see the your specialisation or any other aspects of life


okay on the bright side I would I would feel that the people that are very talented in coding are actually not in Singapore, so they're actually those in the United States those in India China etcetera but


I do understand that and I am feeling stressed in the sense that I feel that computer science is getting very over populated and definitely the competition in much is much greater for example the cut off points to get into computer science nowadays has risen sharply compared to the last few years


so ya that's one of the issues I I would be feeling negative about


uh part two positive experiences


oh ya sure actually I I'll just share about the most recent one which was in Japan last last year so so cause I can remember it well I think the trip was really a great break from my work so as you know I was I had been working


a very very boring job as a customer service representative so you know as I you know when I face off customers on a daily basis I can understand why all my colleagues morales actually very low so once the three months up was up I actually went on this trip it was


a really good experience that actually made me appreciate the whole experience I ya, uh I I said that although I spent a lot of money there I felt that each each cent was worth the expenditure ya you you wanted to add something


uh


do you have to repeat that twice,


, it was it was very cold okay


please stop mentioning my name by the way


ya I agree as well


ya sure as you know uh as you know japan and Krabi are two totally different countries so definitely our experiences in both would be different but I think the most memorable day in japan was


during the go karting where I almost got lung cancer because of the exhaust fumes, from all the cars but ya being able to actually ride a go kart on the streets in Tokyo this alongside all these huge vehicles was really a very eye opening experience not to mention the fact that I almost dropped my phone and crash into who did I crash into again


oh right I crashed into you, (uh huh)


(mmhmm), uh stop mentioning


uh actually I would I would disagree with that though I felt that I felt that japan was actually a much more expensive country in terms of food expenditure compared to


and Singapore as well actually, ya definitely


ya ya of course


uh well I mean I wouldn't say that everyday is perfect because sometimes there are things that are not perfect that actually make for a much more memorable experience for example do you remember our friend who lost his his luggage in japan


ya I remember that whole experience very memorable, ya


ya ya


definitely ya, so so sometimes you know when when experience isn't perfect it's actually makes it even more memorable wouldn't you say so