uh okay to be very honest I'm a very very newbie in this investor thing and I don't really I'm not a tech person lah to be very very honest so I don't really uh what you call that uh what you call it, care so much about the uh algorithm per se but I've heard like when I was researching before I invested in this I did like read the names and everything lah what what they track and everything but I can't exactly remember per se but I trust in algorithm because uh


although it's done by humans it's it's a computer it knows better than a human and like there's emotional uh it's it's, devoid of emotion and also you remember Tik Tok oh my god Tik Tok FYP is so is so accurate like I just hit one like yeah you know so like I believe in the algorithm you eh


!aiyo!


actually you don't have to be very scared lah uh and and here's the thing I think you are still quite young you're younger than me way younger than me I feel so old but like I think investing you, you have to be in the right state of mind and also you have to be in the right state of like finances also like if you have a lot of debts you have to clear like for example school loan or like whatever debts you have taken uh beforehand you need to you need to know how to plan lah but like


I just feel that uh since I'm already interning right now and then I'm getting like a bunch of salary from the intern but here's the thing like I was sitting right I was really calculating what I should do with the money lah, then like normal lah you do the normal normal like as per normal and then when like the first month when I got my intern pay right I realise I never spend anything at all leh because work from home so I like I have all this excess money sitting in my bank account that is like like earning like earning stupid ridiculous uh interest


I was like why not spend a bit within my means lah and then invest lah, ya so I think it's kind of interesting yeah and I ya uh, wait uh and yeah I do have plans to accumulate wealth lah like and for retirement like I'm planning to do the REITs account which is like a dividend kind of


investment hopefully right now I'm very very small capital but like hopefully over the years I pump in money and then like it will gain money lah , eh no lah no lah we only ya sure


he want to know what and the reason why I'm investing is also for big ticket purchase item which is exchange I don't have any money for exchange and I like I've already planned like how much I need to spend and everything lah but I think the number one


exactly exactly, exactly that's that's why like, I'm like oh and like you know investing right like although there are ups and downs but over time the power of compound interest is very powerful so the best thing you do just put it in money lah but it depends on your risk whether you want to lose money or not I'm


willing to lose money because like I mentioned I don't spend anything ya right but I think the number one tip that that I can give to you, to save up for like big big big ticket purchases is really to really to sit down and


look through your expenditure per month one sure no no no no continue continue


yes, I see okay I


for me right I'm sorry my voice for me right one simple one simple question will it will the car be a liability or will the car be an asset, so if the car is a liability where it's like you pay for the car but then it's not making money for you cause cars depreciate a lot and it costs a lot of money to maintain every month the the uh ERP lah parking lah uh whatever nonsense you have to pay insurance and stuff so


if your if I were to be your sister I would rather spend money I mean I would rather save money for the renovation cause it's gonna spend it's gonna cost a lot of money furniture oh my god you know that furniture is very expensive like, I have right you go to Ikea like one bed is five hundred dollars or three hundred dollars or something like that like it's so expensive right but yeah


(oo) !wah! this is a very personal question how I how ya ya I've been talking a lot so ya ya you go you go it's your time to shine


same sis same


eh but but food got food, ya but food got different levels what whether it's a splurge or whether it's a necessity ah you don't try to you don't try to switch


but there's okay here's the thing since both of us are in SMU right and we are we are muslims and then like halal food in town area which is in SMU is very difficult to find, and if there is right it's expensive and like I want to budget I'm a student I'm a broke student


so this is to your question uh would would I be able to eat seven eleven Maggi Mee there is like cheaper options like no I cannot but like there are cheaper options like the like the five dollar meals in Encik Tan I mean like you find your nearest Encik Tan then you travel lah


ya and like that's how like you can justify whether you know is it a necessity or whether is it a splurge ya but I do


I mean transportation is transportation is necessity lah that one you really cannot do anything but then transportation also there are different levels of transport I mean like different types of transportation are you spending way too much on Grab or are you spending on like your necessity you know


do you do you spend a lot on Grab


I think that one is justifiable lah it's like after after a long day but for me, how I spend my money like I mentioned before I do the fifty thirty twenty rule which is fifty percent is for necessities, of my of of the money that I have thirty percent is to uh save or like invest


and then twenty percent is to really splurge lah and like this is where it comes to the justifiable or not like one example is transportation I'm like I mentioned I'm broke, so I I'm a strict public transport only person so I will spend on like the I will spend on the monthly pass if I was in school lah


or or working like in an office I'll spend on the pass and then I will never ever take Grab or whatever I will just take no matter how late I am I'll take, but if it's too late then of course I will take Grab lah but then having having said that sometimes there are some days where like I feel like I want to splurge a bit which is part of the twenty percent budgeting ratio I will just take Grab premium ah


to me that's that's a that's a justifiable spend uh and to to others it might seem like it's a lot but to me I don't spend in a in for example in three months I sometimes I don't even take Grab at all so that one, time is like the equivalent of like one entire month to me that's justifiable lah so


now the next question is should you DIY or get financial advisor to plan your finance I have my answer cause I technically told it already you eh


makes sense it makes sense, ya it's like exactly the same as us going to the you know like you got cough right then you Google (oo) cough then you got cancer that kind of stuff


exactly, exactly exactly


advisor , ya exactly but I I mean the opinion of like no matter how good you are with your finance it's good to always to have an advisor you know


you might have your own bias you might have your own idea already but then it might be wrong and sometimes you are heavily invested in one one particular thing and always having a second opinion it's good lah, but I'm in the opinion of right now I can like DIY a bit cause of like the the I'm making use of robo apps which honestly just helps me with the help of algorithms help me invest the money


so I don't really need need a financial advisor per se cause robots robots are doing it but having said that, since I'm a newbie and I to be honest really have too much of a knowledge I always seek out I always seek out my friends who are into like their ya medium uh what you call that they're already advanced in that stage of like investing and like financial planning ah so I'll just ask them for advice and stuff and a bit googling and exactly


and a bit of like to be honest there are a lot of you know on Tik Tok there is this thing called stock tok stocks tok which is a Tik Tok that's all about ya I'm I've you know on the FYP ya stock it's called stock tok stock stock tok


on ya on my FYP I have like a couple of them appearing and I've been following on all of uh all of them so ya, I mean they break down they break down they break down simpler lah but but to be honest if you really want an in-depth it's better to ask someone who is known and financial advisor doesn't have to be someone you have to pay sometimes it's your friend your father your mother your cousin whoever right ya


I mean eh you can go professional and you can like I mentioned if that person who you know is of like that for for example ya or like a very very veteran person who knows what's the game is like then why not


now then this is the interesting question so what advice would you give to someone to get him or her out of debt ya this one sensitive topic debt but it's a very very interesting one


yes, but what if what if sorry sorry to cut you off but like but what if the reason why they are spending a lot that a lot more than they can the a lot more than they can is because they have like


what you call that they are they are late on their payments and then they got additional interest fees and then people are chase uh banks are chasing them and that kind of stuff it's a very interesting topic don't you think


I get what you mean but but but I think I think I think like from, yeah yeah it might be not their fault ya it might it it is not all the time but like there are possibilities also but to be very honest most but to be very honest I think most times it's situation is one part but it's also people don't not not everyone have like


very good financial management skills and I think the advice that I'll right I think the advice that I will give to someone who was you know trying to get out of debt, is wanting is to really look through your expenses per month and really see what can you cut for example grocery groceries is important but like in that groceries you can don't buy brand name stuff you can buy like a cheaper option and then like everything add adds up


and then I think the number one thing that's cause debt right if you don't pay interest will come and like it will increase increase increase, so in the in at at the beginning of the the month uh I think it's important to pay off whatever debts that you have like really really backtrack


and then those that you can you think you can stall a bit you don't pay first but of course you need to know when to draw lah cause you cannot pay all your debts and then don't have money to survive right so I would say really look through in that particular uh, ya that that area what are you what can you pay off first that's the most damaging or that kind of stuff or or or


you work with them or like you cause I've known people who like who incurred a lot of debt and then they like some I think they worked out with the particular company or whatsoever and then they say okay I'm gonna pay like a month that kind of installment kind of thing it's possible


ya or or or seek help those like debt management help, ya but you you have to pay them though , it's okay I I think I think I sorry I think the


interesting question is your thoughts on CPF contribution because because ya because right I was I was searching for like full-time jobs in the the salary range lah cause


[orh] okay okay okay anyway so ya I think it's it's a bit annoying but it's important you, ya twenty seconds right


same I also agree but once you cash out, do we need to stop recording now


part three negative experiences


okay, ah very tough question to answer because I do have a lot of things that now annoy me but I think ya like to be very honest but I think the number one thing that


my biggest pet peeve is uh people not giving the same energy or like same amount of dedication as you this can be applied to relationships can be applied to work, can be applied to whatever you are doing I think


right like you enter this for example a relationship you expect the same kind of input the same kind of dedication you enter you enter like a work contract or like a team to work on something you expect everyone to be on the same level of


uh output and uh the the same level of you know, yeah I yeah it really annoys me like to me it's like why am I the only one putting in as much effort as like you know like you should do your part also and don't be a free rider for you


yup yes


just because of your ya, yes hundred


no I hundred I hundred percent agree cause I also sometimes feel that and it's a bit annoying to be very honest okay recall a scene from a movie that made you cry in sadness !huh! do you have one uh let me think


sorry come again, no what's that


I see, you know what this reminds me of a english movie that I watched I forgot what's the name but like it's a similar storyline where like the father is like mentally challenged and then the is the daughter and then they had to fight for custody rights it


ya and then like in the end the father the got her but it didn't make me cry did that did that movie like you watch made you cry, no I hundred percent ya ya


!wow!, yes ya, I understand for for me I don't think it's a movie I can't exactly remember a movie where I cried I'm quite good at controlling my emotions lah cause I don't know that's just that's just me but uh the the not movie what made me cry was an advertisement


it was a hari raya advertisement on uh in like Malaysia I can't remember what but it was about this story whenever I watch it every year I will still cry it was let me think the story is like this two orphans one is blind and one is mute or something


ya one is blind one is mute if I'm not if I'm not mistaken and what they do is that the they are brothers lah and then they told each other let's meet mum in her grave uh like let let let's visit mum's grave, but they don't have the money to do so so what they do is like they they they try to find their way to to the to to the grave to see the


to visit their parents and then uh they had to sneak in into I I feel like I want to cry, and they have to and they have to uh sneak in into someone's truck and then they got caught and then in the end the person like but luckily they found their way there and then that the ending scene that always make me makes me cry is like !wah! it really makes me cry is when


really really like it's it's very touching to me like the brother will tell like to the deaf uh to the blind I think it's blind blind younger brother and hold the mother's uh tombstone this is your mother and like every time I will like really cry like I'm, I'm I'm actually like I'm actually like tearing up now whenever I like ya that scene is very very touching ya it's really intense you should watch it's ya


ah sure for sure I'm I'm down describe what you dislike about your younger older generation about the younger or older generation I have a lot to be honest, but I think you are you are more of like that age group slightly older but I'm of a way older we what like one generation apart lah


isn't gen Z millennial, gen X eh no gen Y and gen Y and gen oh ya ya ya ya ya


because you are part of it


I see I understand


so it's basically like the strawberry generation ah ya that's what you are ya for me, for me what I not like what I really dislike about the younger uh younger generation I think it's the mob mentality mob mentality M O B where like one person and it's natural lah cause at that stage of life


they are very impressionable whatever they see someone that's doing like you know getting popular or like everyone agreeing that will follow suit and they don't really have a backbone per se that's my opinion lah, and I think but over time as you grow older you will realise that you know what why why were you following this kind of stuff like popular trends and stuff


that's one thing lah for for the younger for older generation what I don't like about them is that they are very, close-minded not they're improving but there are still very close-minded and they're very stick to my it's my way or the highway and it's very annoying ya what about you what what what what you don't like about the older generation


ya I do not understand like it's a conversation, you are not like that but you know what here's the real truth that I think it's like I think is the real truth lah no matter what we think right now we will be we will be the same but in the eyes of the newer generation


cause the new the the new generation will have new ideas and like we, ya exactly, and it's it's gonna it's gonna change so we might think it's right but you know to them it's wrong or whatever it's it will only time will tell lah


uh now talk about your worst travelling experience you mentioned that your best friend and you always like you know click together but do you have any worst like bad travelling experience I do have a lot


oh yes the one that you missed your flight


I see, understand yup


oh !wow!


same same same yup


!wow!, !wow!


and then you are you are in the in the hotel room !wow!, sorry cannot laugh cannot laugh


I got a question did you go to hang on did uh it's a learning experience also uh did you went to the doctor or get any medicine while you were having that food poisoning episode


yes, but okay lah in the end you didn't like you know got into ya and like you it's not so not so serious


for me I have a few I have a to be honest I have a few but I think the worst travel experience that I've ever had has to be my trip to Bali with my NS friends, firstly it was a weird mix that that was like my my my POP celebration ah it was a weird mix of people


we don't get each other's jokes we don't really gel and to be honest the only reason why we went there or rather I went there is because my other my my NS friend who's who who I was quite close with, uh is is bunkmates with this guy who lives in Bali who has a house in Bali has a family there and then we just stay in his villa lah for free accommodation but


he was our chaperone he was our driver and we thought that he was a local person who can you know give us the local stuff local flavour bring us to the cool jam spots and everything the cool hidden spots, but honestly what the only thing that he wanted to do was smoke shisha because shisha then by then has been banned in Singapore and the whole entire time he's so adamant about


not ya like he don't really care about our itinerary or like what we had eaten what what we are planning to do and like, and I think that's fine cause I can also just you know take it as a chill vibe kind of situation


but what I really don't like was how condescending he was I you know I we relied on him as like the tour guide local tour guide but and of course he locals will try to make us go to the local spots which is fine


but I you know as tourists I also would want to visit the touristy areas and when I told him that I wanted to go to these touristy areas he called me out and he called me like a basic Instagram B word, and I was like !wow! this is so uncalled for like you know and I I would the the whole mood the whole mood went down and like


coupled with the fact that I don't gel with anyone there and like it was just like it's a waste of my money and one week really everybody everybody, ya I mean I have nowhere to stay and no no money to pay for anything else and everybody I remember until now they will always say Bali is the best thing ever that happened to me and to me it's like nope not me I don't know maybe once after COVID nineteen is over


I'll go there on my own and have my own you know nice experience


yeah oh one of my friends enjoyed really really enjoyed it but I didn't so ya it really depends on the person also yeah now let's let's talk about the embarrassing moments that make you cringe I think that's interesting


I have a lot to be very honest uh but I, think !huh! let me see embarrassing moments that made me cringe uh


K I can't cannot think of one now I really I really honestly do have a lot like I always embarrass myself I need to think ya you go first


I see ah understand understand, ah yes yes


understand, but did you do backstage after that


oh I see


I, I honestly have a lot of embarrassing moments but I uh I this is like me shooting myself in the foot lah I ask the question but I can't think of one as of now but I can think of one right now which is is quite explicit but I can censor it


basically what happened was I was very young I I went out to the local Mama shop in my house which is actually just one block away from my house and then I had like a terrible terrible stomachache so, ya


like a massive poop super massive poop it spread all over yeah it spread all over the [oh] shit finish already


cool, can, Nadia don't forget part two positive experience let me start first the question lah cause I've been talking a lot just now what are small what are some of the small things that always make you smile


oh yes


yeah yeah


oh nice for me I think it's like what uh it's the same thing actually very to be very honest it's all the small things that people do for me, like for example my mum although she's very busy but uh and then like for example during especially during exam period where like I'm always out right I'm I'm always out in the library and then like my room sometimes I don't have time to clean up


and then like I never ask her to do sometimes when I go back and then she'll clean up I'm like oh my god why did you do that like you don't have to do it right, #orh hor#


right it's like they like no matter how busy exactly like no matter how busy their day is and like how stressful they are like they think of all these small things and then like it's very little but it actually makes me smile and I think another thing that like that that will make me smile in like like sometimes when I take


, I mean not sometimes I'm I'm always taking public transport, where like I'm outside right and I see like there's a nice sunset and then I'm just like oh my god that's so nice or like a nice cloud, right ya right or ya


ya or like clouds like I'm a very imaginative person so sometimes I will look at clouds and I'm like oh this is this looks like this this looks like that so it always makes me smile ya, so what are the sacrifices you've made that worth everything yes


I I think I I I I think I do I think the the sacrifice that I made that I think that's worth everything is, sacrificing a lot of time a lot a lot of time during my O levels cause like I


I I was from N levels and then like I wasn't really good in math to be very honest that's my number one struggle, and I was very worried for my future cause like my teachers kept telling me like if you fail your maths you won't go anywhere ITE also like there might be some courses that you might why you laugh ITE also might be some courses that you cannot get lah it's very limited so I told myself that okay I no matter what I have to really really


go all out and then N levels I I think I spend like four five months really grinding and then like O levels I also spend like about another four months and it was, hell I remember I remember going for like tuition uh for for tuition my my family had like this uncle who who did tuition


and I remember on like my O levels it was like one of the holidays I can't exactly remember what holiday but everybody was enjoying I was in the in that guy's house doing math revision practice papers so like I had, no social life but I think it's worthwhile lah cause look where I am now cause if it's not for that I wouldn't be anywhere ya then you eh do you have an answer already


middle class lah, yes


yes for sure , yes ya ya


yes full specs


right and also ya, because parents are literally worth everything without them we are nothing to be very honest ah okay now we already we, you know now let's relax a bit what describe the best movie TV show you have ever seen what do you like about it


really, yes


I see it's the easy easy to follow kind of show


a bit too much sometimes ya


and also and and also to expand on your part where like you say you like something on the background in the background what you call that, friends is very good cause it's a very long show so you can never get tired of it like you know repeating the same show like uh repeat repeating the same episodes


a lot of options for, for me I think it's not like a TV show TV series but it's more of like it's a movie uh I do not know whether you know but it's called we're the millers, do you know ya ya ya ya


ya and the funny thing is that they they had like they they had like a friends joke inside towards the end, yeah I I really really like that show uh and like what makes it even more special is that's my first R twenty one show that I watch in the cinema once I turned legal and then I to be honest I I just know I watched that show because it's an R it's a R twenty one show and I just wanted to watch an R twenty one show


because I can I can lah at that point of time and then I didn't know it's gonna be a funny comedy show and I'm to be honest quite a difficult person to make you know to make me laugh it's quite difficult to make me laugh and I was uh yes yeah it's quite quite quite difficult


I mean that's because you all your antics is different but like for show what in like in real life is easy but show wise you need good writing and everything lah for me, and I I was laughing so much that it I don't know it's it's just it's just


funny and like there are many many funny jokes there it's a bit too explicit to share here lah but you know R twenty one thing what are the three things that you have in common with your best friend or partner


how about you you begin first


yes, really


uh near the best friend ya , oh ya you know what it's it's true like I've read it I've read somewhere that breakups within friends or especially best friends is worse than


than like a a relationship ya but for, ya but for for me uh for me, I think I is actually quite similar to you like we are so alike it's insane how we are so alike and we I think the three things that are in common is we get the jokes our humour level are the same like we will laugh at the same thing


sometimes it's not funny to others but it's very funny to us and then people be like what are you doing right, what is happening ya ya ya ya exactly ya ya ya


another the the second thing would be I think it's actually quite similar to yours which is the travelling thing like travelling oh my god traveling can really make or break your relationship with your friends, right and there were there were some that you know after travelling I'm like you know what I'm not gonna be friends with this person


right and thankfully my my my my best friends they are of the same frequency and like they're very very chill and like they're they're my vibe lah to be very honest, I think the last one also I think our age lah cause we are all the same thing so in common ah ya


what is the one place that you would love to visit and why I mean after COVID nineteen a very good topic to ask


!wow!, are you serious until until when until when sorry I I'm I I'm away I never check my email next year !wow!


that's true very very true, but I mean you can look at it in a positive way it means that you have more time to save money and your Turkey exchange means you can really go all out you can don't only go Turkey you can go to chicken you can go to duck


joke okay, but but for me I want I would wanna go, let me see I want to go to South America like the whole entire continent cause I think it's ya it's very very interesting it's firstly there are a lot of sides to it there's


the narcotics and like the drug dealing side I I uh I I watch narcos, no no no no no no no no I'm not participating in that but like you know I I watch narcos ya I watch narcos and I just want to see the places I mean it's dangerous lah but like with a guided tour I think it's fine just to see the places or like where they shot the the the the the the the


the drama and stuff and like I think the culture there is very nice is very interesting the hospitality is correct right correct right ya hospitality is very is is very is very good, uh and they have very very wonderful nature nature sites I wanna go inca what's machu picchu the the the aztec pyramids and that kind of stuff ya it's very cool


but like I mean it's very expensive lah super super expensive so maybe maybe later, ya so what what what, me !huh! I'm grateful for the opportunities that I've been given all my life


uh either either by either either either by my hard work or like by the the opportunities my parents have given me or like the people who I know have given me, I'm grateful for I'm actually quite grateful to be living in Singapore, because like real talk ah real talk ah like all these like if I'm living in another country who might not have the same standards as Singapore I'm not be I'm not I might not be able to get the same opportunities and right the standard of living and stuff


and I think the last thing I'm grateful for is, uh I'm grateful for being healthy lah cause imagine if you are sick and everything you can't do a lot of things right ya


yes, hundred percent agree with you


pats on the back , yes


that's very very true, key health is wealth yes yes yes


hundred percent hundred percent agree, so what is your describe your favourite activity to unwind and relax is it friends watching friends


sleep, yes


every day, no no as in like know as in like your routine lah it makes it sound like as if you do it every day


ya I got, ya exactly I got a question your Maggi what kind of Maggi as in like the Maggi curry big or the Maggi curry normal


(oo) oh !wow! okay !wow! that one if you eat every day your stomach got problem , for me uh what was the question again oh favorite uh thing to do to unwind uh I like to play Sims cause


uh I mean yes I love I love to play Sims it really allows me to explore my creativity uh through like building all the sorry to to building all the to build all the buildings, and also it's a very good time waster or like a like a kind of thing like to be honest I can spend six hours on


Sims without me realising it's six hours it's like it's like something, I mean like not not when I'm working lah like on weekends like like just now I did I spend four hours without me realising I spent four hours on


yeah , ya but here's the thing it's it takes a long time because I'm figuring out what to build so like redo redo redo redo ya ya


and like you have to perfect I know right but like the maths I cannot lah I really cannot, I go and describe a time where you laughed too hard


part one finance


I I don't think so like at our age we can apply for a credit card because uh credit cards if I'm not wrong you must have a stable uh full-time job and uh I think, yearly you have to earn quite a bit so but for debit cards ya I do have I make purchases like on Shopee for example or like uh Mobile Legends skins uh as for example lah ya so do do you have any credit card or debit card


oh the credit card is under your name is it


ah okay I see I see and at are you uh are you registered under like one uh bank like do you have OCBC bank account also or like any other


oh okay okay I see I see, the uh do you have any siblings


oh uh that he just got it or like uh [orh] okay okay and do do you think like it's wise for like your little brother for example to have like the bank card or any any type of like debit card or POSB card or whatsoever


for me I would agree but, I have for me personally I would actually how to say I live by this rule where whatever I go through my kids will also have to go through so for example like I I got my first POSB card uh for my own personal use at eighteen


so most probably my if I were to have a kid my my kid will have to be eighteen for him for him to be able to use the card for his own personal usage lah, but , I think when I was younger I actually had a joint account with my mum like like like for example your for instance like your like whatever your little brother is having now lah which is ya your it's it's under your mum's name and whatsoever uh similar


and I think that kind of system actually works ah so like he knows whatever he has like he will just save it it's good for him to learn at a younger age to save actually


ya true true, cash oh for okay for cashback I think, uh if you use Shopee or if you use any like uh online uh online website store online online shops where you can actually buy stuff from them some of them actually have like cashback and basically it's more or less if you spend uh if you spend a certain amount then and if I'm not wrong lah


at the end of the month or something like that somewhere somewhere in the month you they will get cashback for example is it could be like two percent for example if you spend twenty dollars you might get back two dollars so it ya it is a good incentive to have lah like so that you know


ya, ya, does your parents use uh like points for example like if they go like passion card points or like NTUC card points or


ya ya, ya


ya my my mum my mum actually is like a firm believer on using that card every single time we go uh shopping for groceries because I think like, whenever she use there's actually like a lucky draw if to my knowledge it's a lucky draw thing where they can actually stand to win prizes uh if you if you spend certain amount ah ya so it's a good incentive to have


okay it's okay it's okay after you after you


you did it's under POSB is it


that one I'm not too sure honestly because I whenever I check my transaction there's no like interest or anything but I only got cashback so uh that's the only thing I can see ya, uh okay so I got an ultimatum for you to uh pick so for example


you have savings if you can save this uh amount money in your bank or you can save this amount of uh sorry you can invest this amount of money so which one would you rather do because some people they uh like some different banks have different interest rate


so would you uh save uh which is your own your own money your own profit you keep it your own bank or would you rather invest


for me I would uh honestly just put in my savings lah because I I know for a fact that whatever I earn or whatever I uh when I work whenever I get to keep from my net income I know that it's going to be in my bank and it's gonna be safe because investments to my knowledge is always fluctuating


so every year there will be changes every year there will be ups and down so I I'm not the type of person to play that kind of game ah, uh so ya very it's a high risk high reward kind of thing so ya


uh do you have a girlfriend, you don't have a girlfriend ah it's okay so uh since you are I can say that you are like so called unbiased to it a'ah ya so do you think couples should combine their like their earnings or finances and open a joint account


I see uh in my opinion I I don't think that they should even if they're married because like I have this uh rational fear that for example cause it goes on, I mean not I won't say every married couple goes through it but there are definitely some that if their wife like not happy with the husband or the husband not happy with the wife and they shut the joint account and they want to play punk they will just withdraw all the money or withdraw certain amount of money and then just run or just like


do whatever they want for example if if you're my partner and I were to argue with you, and then I'm like you know what I'm just gonna go out then I will just go out and I and our card is joint so I will just have to I just withdraw I just spend however many amount that I want to spend on lah so I think it's actually quite a bad thing to do lah to or to have


ya it's a it's a trust thing ya


okay


loan from the bank I think it it's it's very it honestly depends on what kind of uh loan because uh as an example uh I would say home loans because home loans by bank it you can't really avoid, because for example if I were if my to pay off home loans then basically they will take


if I am not wrong lah correct me if I'm wrong, but you have to pay certain amount every month uh and and unless you have a really stable job really stable income that you can really pay off then and it's good for you lah to pay off full cash but


for me I think I would it it depends it really depends on uh the future lah of where I'm at, but I I would try not to if possible because I don't like to uh have debts or like having to pay off something in the long run unless it's for transportation for example like motor or like car that one is a need it's a really really a a Bo Pian thing lah because


how to say ah you need it for transportation you need to go around ya ya


ya, it hard to juggle ah ya


ya ya true true fair enough fair enough ya what what do you think ah the pros and cons of having a credit card honestly


ya that that that's a definite ya that's a definite, it's nothing ya


I think for like uh middle class or like lower income uh families right I don't think they should gear towards having a credit card because the for me lah for me personally the only pros is that, it's convenient you ya you go overseas you can just easily just okay pay pay pay pay pay but like like you say earlier on there's definitely a way more cons than uh pros because ya you still have to pay off and I think if


for its to my knowledge at the end of the month when you have to pay off a certain uh whatever you spend on I think there's a one point five to two point three percent interest so you have for example if you spend about four hundred dollars, when you go overseas then you have to at the end of the month you have to pay off like five hundred fifty or five or six hundred for example you're technically just you basically spend like three hundred dollars four hundred dollars like you you have to pay more than you actually spend


so I for me it's not worth it lah I like like like you said earlier unless you're, filthy rich or unless like you have a stable job really stable job or like you know you can really afford this kind of things then by all means go ahead lah to each their own


uh but ya but but like I say it's about convenience so some when when you're rich you're lazy you know what I mean


do you have insurance like do do your like family have insurance for you


oh, uh I know my mum has one


uh and it it it extends to the age of seventy so if let's say touch wood she passes on before seventy then I'll be able to like claim money, uh from her death uh and also I ya I think I I would personally I think have two if I'm not wrong I have two


uh one is covered for accidents uh another one is just normal medical medical insurance so I can just uh anything happen outside and then go to hospital I can just claim uh ya I think those are the only two insurance that I have


I would assume so I ya I I think so ya, the medisave ya some sort of something lah ya ya ya


ya does your uh bike insurance cover uh theft or like if people like were to burn your bike or something like that does it cover


ah I see I see, ya true true


part three negative experience


K after you


for me the biggest pet peeve , I think it would be if someone like for example I just met, and they, at uh or they talk to me as if they know me for so long I think there's for me is that the biggest disrespect I think anybody that disrespects me


uh the moment we meet I think is for me that's the thing that really annoys me the most ya so how about yours


I won't I won't say from a movie but I think I will just talk about TV series so I am not I wasn't a K drama watcher until I met my girlfriend so I think


the movie that I cried like it was hotel #del luna# where I like, I didn't expect myself to cry like I was emotionally invested in the, drama that when the ending came I actually like cried so that think that that's the that's the worst for me lah so how about yours


uh actually to honestly to each their own because like to ya for example like relatives like let's take the closest example to it would be relatives lah but, I think in general like public wise I do understand that older generation when they take public transport they do need like some of them really do need the seats but I


think that even if you are entitled to the reserved seat I think it would be nice if the older generation actually ask, uh because if they I think they they are either used to the fact that it's a reserved seat for them or they're used to people just offering their seats immediately I mean while it's a kindness of the people's good heart to like you know to give you the seats because you are in older generation


but I still do think that, it will be nice to us or it'll be nice to like you know just, say !hey! like can can I use the seat you know what I mean like as long as you ask ya so but for the


ya yes


ya uh respect is something that's uh how to say ah you earn you earn the ya it's a mutual respect you can't expect someone to just say you know what you have to respect me because I'm older I will slap the person uh but I think ya that's another of my pet peeve where if


the the the disrespect lah disrespect even though you are older you know okay


the experiences yet is it ya ya


ya uh, uh I think another thing about younger generation but I think more to teenagers is that they have a lot of free time


and I I feel like they could have been doing something better for example if I work you could you know maybe because I'm at I'm at that age where responsibility is a thing you know what I mean but back when I was younger when everything was actually like provided for me


and even though I still have to work quite uh I mean minimally but I think having the mentality to stand up for yourself or like you know to provide for yourself would be a good thing to instil into the younger generations lah


ya so what is your greatest fear in life


wisely ya


ya but things you leave behind lah ya ya I understand I see so for me my greatest fear would be


would be my my god lah, because I think anything in earth whether be it like killing or whatever it whatever the cost may be right it's ya it's scary it's uh even like for example fear of heights or fear of like water and stuff


ya it it it will trigger some sort of anxiety or some sort of of uh some sort of, trigger like it will it will just like it will just come out like the like anxiety wise right but for me is that I can I can overcome any anything but no matter what I'm I'm still afraid of


my my god lah so I think that that's a even mentioning mentioning it I'm also like a bit a bit afraid too but ya, ya


ya what was the most traumatic incident you have experienced in your life


ya like ya I think to add on to your experience you were quite shaken up by that lah ya, even though I was sitting in the the pillion seat like I can see you were very very like angry very very shaken uh probably that's the first time that ever happened to you lah so ya I can see


(hmm) traumatic incident, I think ya I don't really have a traumatic incident because I for me personally I take things uh very like face value so even though a moment ago I said that you know I I fear my I fear my god and whatsoever uh I've seen accidents happen I seen


the outcome of those accidents but it didn't hit me as like you know what or I'm traumatised by it like I saw whatever happened I'm traumatised by it ya I mean different people have different uh strengths so


I won't talk about traumatic but I would say like betrayal so for example like in secondary school right I


you know in secondary school there's people that's always like to talk about you or always like to talk bad thing uh like things behind you I think that was that's a major thing even happening now is that people talk behind you so, back then uh back in my vulnerable days lah ah back in my the days where I was inexperienced


I was with this group that actually talks about people but the only reason why I was in that group was to defend myself because I don't want them to talk about me so uh they actually uh, talk about this particular group and then I had I had to settle down I had to go down by myself to settle even though they caught my whole entire group


but they actually like ran away so , when I appeared uh at the venue to talk things out I found myself alone, I was with my best friend that was totally unrelated but he was just there just to be on my side lah then after the the whole talk was over I I think one of my members were actually around the area


so I called him up and then like you know let's meet I will I will just tell you whatever happen early on lah so he went to talk I went to tell him, and he said that right after I tell him everything cause I covered for them so then he said why do you cover for me I never ask you to cover for me you don't have to do that so for me I was like I covered for you out of my own good heart do you say that to me so I've never felt more betrayed


than that, so whatever happened afterwards was uh I think it's uh another story lah but ya that was my own uh betrayal like the things that I can remember till this day lah


ya ya it's not my best friend ya


my my best friend till this day is, we still he's still with me like I have I have multiple close friends and like best friends but like my bestest friend till this day he's still with me still staying strong ya we do have like occasional like


how to say uh I won't say I won't say arguments lah but it's like how to say ah we have our disagreements lah but it's not to the point where we would risk it all just for relationship uh just for the relationship I mean just for the friendship


you know so I think that's one good thing that we have ah a solid foundation ya


bro I have way too many to count but like back back in the day in secondary school you know like when vine was popular when uh thriller was popular uh and we had a lot of free time back then we tend to do this kind of things and for me personally I uh I was a avid user lah


so for Youtube also I still do make videos so I mean like not now but back in the day so when I watch I rewatch everything back now I was like oh my god what was I doing back then like I thought that was the coolest thing to me but


you right now it's the most cringiest thing but it's still considered as memories I still keep it as memories but ya I I I can't stand the a minute to watch so


ya ya, ya Musically yes


ya, uh do you do you ever have a time where you feel like nothing you do is ever good enough, do you ever had a time where you feel like nothing you do is good enough


I see for me I have a lot of those moments uh so, back in uh I think most of my moments negative moments were in uh secondary school so for this particular moment I think that people have kept taking advantage on me and uh keep you know leaving me


so it's very tiring when like you have to put and I've I personally put hundred and ten percent into everything, but people just show me that they don't deserve it so, most of the in secondary school are like short term they are there there's only one that I know of


that still last long to this day so, to each their own lah but for me personally it's uh it's quite quite scarring lah to for for to be for someone to have to go through that that phase over and over again


ya so I think right after that I stayed single for about four years because I was like quite I think I think that will be under traumatised also, but that also made me feel like no one whatever I did even if I put my hundred ten percent it's not good enough so I have to put more I have to put more I have to put more but it's also taxing at the same time


so ya I mean that's why I'm like grateful for what I have now my my current partner now ya two years plus and still going strong so uh still going strong


I think it would be the the black live matter movement it it that that doesn't make me angry but the fact that people are like rebutting that or likes like try to flip it it it pisses me off lah eh cause like


I understand some people may say that you know it's just a black man's death blah blah blah blah don't don't uh, the there are some other people of other races that died also people all that kind of stuff but they have to understand that black people are the ones that are being oppressed so


which is why I support the the I support their movement but I don't I don't agree with what they're doing ya so what they doing actually make make makes me mad also but I do support the movement but maybe they could find a another peaceful way another better way ya


part two positive experience


alright Ashraf I'll I'll start so , what was the most proudest moment in your life


for me I would uh share the same sentiment because uh I actually had the chance to work hard in secondary school but because I took it as uh you know it's time to play around and that I wasn't really thinking about the future


I mean I was but I I didn't take it seriously so I was just like playing around and uh when I got my results I was like actually devastated lah but it shouldn't come as a surprise to me but it did so when I went into ITE NITEC uh I spend the first two years like really focused


but that lasted for about two weeks, right after that it it just, like I'm just going with the flow so I skipped two years I mean I I went through my two years of uh NITEC then because of my good grades I maintain my good grade so I managed to skip a year


I was in uh travel and tourism course so I skipped into leisure and travel operation in the second year so it's like a shortcut so I was like okay I am just take this chance to really really uh push myself so why did I put myself then I went to poly I think that was the most proudest moment like not only for me but my mum


cause my mum is a single parent so I think I really made her proud and it warmed my heart to see her smile and like me proud of me for that, honestly just uh spending time with my girlfriend uh playing games like for instance do you play Mobile Legends


oh okay so ya the just playing Mobile Legends and like winning championships or like offline tournaments so it's like


I mean there are lot of uh answers but ya but ya definitely agree that uh having your parents being happy and uh seeing them you know being proud of you is uh is nothing can beat that honestly


ya, three things that I admire ah I mean I admire her her strength strength not in terms of like physical strength lah but like on how she go through the difficulties in our relationship so I actually really proud of her for that uh secondly would be


the way that we are similar because like you know what they say they said that if you are similar with your partner you know uh you will have a long long term relationship but I think that's to me that's like a superstition lah but it it boils down to communication like how you


talk to your partner when in good times and in bad times so that that's the thing that I am really proud to have her for that lah that's that's a very good thing a very good trait about her uh thirdly is that how she's responsible, she is really very responsible maybe could work on money wise but like other than that like her responsibilities as the eldest like she really takes good care of that so I I I really really respect her for that so


do you like have uh ah to each their own lah, uh then then do you have like uh your a best friend right now


[orh] I see I see I see, I just want to say that you're just want to say that you are you are you are lucky for dodging that lah


ya true true


ah


so you were one of those, ah


so speaking of uh not having much uh friends and stuff uh what do you love most about yourself


self-reliant independent ah


for me it it is, at similar to yours it's like the the fact that I don't really care about what other people say because in all in all honesty right if you care about what people say it's gonna affect you mentally emotionally and it's gonna be really really bad


so for me personally I'm glad that I'm not like that because when people talk bad about me people talk uh behind me it's like the best way for me to overcome that is to prove them wrong, or is to make them


see that you know I'm not this type of person I'm I'm gonna prove them wrong I'm gonna excel, uh I'm gonna do what you guys think I couldn't do and I think, that's for me that's the best revenge you can give to anyone because to see them just immediately zip it's like it's actually quite


I don't know whether I'm twisted or or I don't know what what it is but that's how I feel content with things lah I don't like to bash back to people or like, you know say say things with people it brings me down to their level so I think that to prove people wrong that's one good thing about me lah that I love


bro it's only six thirty bro what you mean by late [orh] [orh] okay okay okay okay okay let let let's go deeper ya okay


I mean for me personally it's got to be, for me like my my all-time favourite it'll be uh harry potter like ya it like because back then when you were younger you don't know anything like like people know now for example like fanboying !wah! like you really like this person like that person you know you when you were younger you just watch and stuff but


I don't know about me because I'm like I'm actually quite my mind just understands it when I was younger so when I was watching I was actually quite intrigued lah like I wish there was a school like this you know, I I wish like this was all true like it it got to the point where I actually instead of I I watched all the movies like that that they came out with back then lah because I think twenty eighteen twenty seventeen was when they released the last one


ya so I was like reading the books I was like my wallpaper was all about harry potter draco like every I was a fanatic back then lah but ya that's for me that's the most, my most favourite TV show how about movie how about yours


ya there that is a draggy anime I think right like this is a tip for the people out there lah like if let's say you you watching anime or you're like watching some sort of sport anime that you've never seen before I think that you should just give it a try


because for my own personal experience uh, I cause I'm a avid anime watcher so when I watched, uh Haikyu for the first time actually I was quite drawn to it I didn't know any of the rules but I was just drawn to it then uh this was back when I was in ITE so I joined volleyball because of that and then uh that was the only sport that I receive proper training like like really like invested in it


and turns out I became like quite decent at it ya so I think, that that's another part of my proudest moment in my life cause uh I'm a hopper club hopper I I I don't stay into one particular sport cause I want to try every single one but ya but volleyball is one of the ones that I actually stayed and loved


ya ya ya ya


uh speaking of like uh activities right so what is your favourite activity to like unwind and relax


ya, uh for me for me what I used to do cause I used to live in Changi village so back then uh accessibility to beaches to Changi beach is actually very it's legit a five minutes walk you go down for the lane just walk all the way straight and there you go the beach so


ya ya ya ya I I lived like we've been there ya ya that block yes so back then uh I was actually quite uh the emo kid lah


so I mean back in secondary school and that is when their teens are in their in their most vulnerable state so back then when I was like in an emo stage right or like I was going through phases right uh I would, go down to the beach and then it it it I don't care if it take hours just have a sit sit down by myself like blast a song or something like that then just gaze gaze into the open


open sea and like just think about life but that that was back in the day lah so ya that was back in the day now, uh much better yes but for a coping mechanism to deal with things like emotions like that right I think I would be similar to yours just having our I mean alone time or like just unwinding lah listening to music like smoking a cigarette or something like that like it helps so


ya, I was about to say let me call COVID and check with COVID but like


the only opportunity I got to travel I mean other than, JB J cause JB is uh accessible to anybody, but like uh back when like the opportunity I was in secondary school think that was the only time I got to go overseas out of Singapore not including Malaysia like I went to uh Bali


it was a school trip a leadership a leadership, uh trip something like that so uh I think for me that was one of the most memorable places to be even though like I was quite uncomfortable but it it's fine because how to say that the scenery is actually very beautiful


very beautiful and uh the food over there is actually quite not it's not bad but you have to uh see the shops cause uh some of them may not be halal for muslims ya


you, you're making me rethink have I ever gone past the shop there that has that word uh hopefully not ya


like provinces lah


let me call COVID again just to confirm whether you can travel ah hopefully hopefully ya, so can you like describe a moment when you like laughed too hard like like legit like ball out laughing on the floor laughing


quite quite a laugh lah ah right quite a laugh I think I I don't remember the times that I laughed like very very hard but


vine or something like that back when back that day when vine was still a thing ah uh actually he actually laughed out so that we, were on the floor I was slapping him he was slapping me ya ya I think that was the hardest one that I I laughed at but I do agree like our clique right now like really there's never a boring moment lah there's always a moment to laugh at so


ya there's always something or someone that cracks up a stupid joke and then someone else continues


uh sorry what's the best meal, I still prefer like Kopitiam or like not Kopitiam lah but like those shops where it's not in a mall uh how to say like for example Al-Amin or like uh like like shops like the like like those for me really


uh hits somewhere lah it it's just it's just very nice ya


part one finance


okay uh right so Zukri uh do you have any saving account, ya I also actually have a like a POSB savings


so but it's not I mean technically not really saving lah I also withdraw money from it so, ya , then what about credit card or debit card for online purchase do you have any


ya I actually I have a credit card but I don't actually use it my father bought it for me it's a Maybank manchester united credit card ah but I never actually use it uh I only use my debit card which is a passion passion debit card ya


ya it's under my name I don't know how it happened but just my father go ahead, for me ya ya but I never actually use it


to my knowledge I have a OCBC one but it's the kids one I never withdraw any money from it yet ya but I'm not sure what account that is ah I I know it's my kids it's a kid's account, ya


I have one one uh younger brother nine years old and to my knowledge he does have an account also but I'm not sure which uh, which bank is it, ya so, no I think it was quite a while back lah ya I think my parents got it for him


for his age I don't think he should have a card ah cause uh he is not independent enough to be able to have a a card to purchase items maybe at a later age like secondary school or thirteen years old something like that maybe he can have a a a card for himself


what what do you think


ya true uh ya but I mean I think eighteen might be a bit late I don't know to me eh to my uh personal understanding lah cause I think sixteen at years old also maybe sixteen or, fourteen, some uh one person would have enough uh knowledge on uh about saving their money and not overspending it but I think it will vary and depend on different people


so ya correct lah, okay so do you have any knowledge about the cashback the points or miles thing of of credit card


(mmhmm) ya I think in my opinion also cashback is a better incentive as compared to the other two which is points or miles cause sometimes for points or miles the the incentives might not be attractive enough where else for cashback is confirm cash that you will get give your that you will be getting


uh where for points maybe you'll only get a discount but you will have to spend a lot, in order to get that points so ya cashback I think would be better for people to to use ah


I'm not too sure I need to ask them but I I'm pretty sure they do because, you know a lot of parents very Kiasu they always want points and uh I think the most common one would be like NTUC or or Sheng Siong like the supermarkets so they will just collect points and then at the end of the like of a month they can use it to get free


groceries or whatever ya


yes ya, ya I know Sheng Siong ya I know Sheng Siong there's a lot of times when after you buy on the receipt there's a like lucky draw then you can fill out then ya I mean it's it's good lah it it's for in some way you can save money for on on groceries cause groceries is quite expensive also


uh so uh ya your okay, [orh] okay uh so, uh maybe going on to the point like maybe bank interest rates do you have any knowledge because to my knowledge I mean I know my


POSB saving account there is uh some interest I think is zero point zero five percent so like every month I will get zero point zero five percent of interest, like maybe for example five cents or something then ya for my one because I every time I will check my uh transaction history then I will see this one


interest or whatever thing uh they give me five cents every month uh I think that should be an interest or something, ya it's under my POSB saving I don't know if you have it as well


ya maybe we have, ya maybe have different different things ah


(hmm) I think for me I would save because investment, uh I for as for now I don't really know much about investment and to my knowledge it's a little bit like gambling uh for investment so I would personally use uh savings because it's much more safer just to put my money inside the bank and there's uh no risk of losing your money or whatsoever


uh but I don't know ya I don't know much about investment also maybe as of now I would I would go for saving rather than investment I don't know about you what what do you think


ya it's quite it's quite risky here, true true, ya I mean it's a matter of luck I guess, some, I don't have a girlfriend


uh I think yes because in a way uh maybe couples uh we should I I should say couples who are married lah, cause couples who are like just together uh before marriage maybe not because they unless they have a a mind of about wanting to marry in the future then maybe maybe they should but if you are already married


I think it'll be better to have a joint account so that they are able to monitor their spendings and and all of that cause, when you're married there's a lot of things that you have to look look on like housing or spending for groceries so if there's a joint account I think it will be better for them to keep track of what they're spending on and how how much they're saving ya


ya that's true that's true I think it's more of like a trust between your partner, it's a trust thing I mean if you really trust your partner then I feel like it's a good way and I mean there obviously there's pros and cons uh for it, ya but I mean for me maybe having a joint account would be better ah uh for your money lah for if you are a couple uh ya so uh I'm uh you are currently in school right uh ya in in poly so


uh maybe not in for poly lah maybe in the future for like maybe university or if you plan to buy a house in the future, would you want to get a loan from the bank like why why why why or why not ya


ya correct ya it's more worth it lah, ya I think I think I also agree with you because I mean like for example maybe if I were to go to university I would, think twice first before actually going because it is uh a lot of money and if I were to have a loan from the bank it will take me a very long time to pay off unless I have a really good job uh a high high paying job and but I mean I doubt I will lah because university you have to study


then at the same time even if you have a part-time job I don't think it will be enough uh ya it's very it's gonna be very hard to juggle I mean and for housing, maybe there's a possibility that uh I will loan uh because if I were to plan to get a house I'm I'll be married and probably will have a stable job but ya I mean same thing like you it's it's for the future lah uh


fair ya ya uh, I mean credit card uh I think one, uh what's that called common issue that a lot of people with credit card have is that they overspend it


and then at the end of the month they realise oh I spend too much and then I cannot pay off the debts and then there's also if I'm not wrong there's like an uh rate some some rate if you don't pay by certain amount of time there will be a fee for you to pay extra fee which is


ya so you will really have to uh take note of what you spend on credit card so that's like the cons lah uh ya you you really have to look at what you're spending on but for the pros I think, uh for example if you are like for example if you have a house and then you want to buy uh furniture for your house obviously I I doubt you will have enough money go laying around in your bank to be able to purchase all of the uh what's that called the furnitures and stuff so using a credit card will be good


ya but uh going back I I think there's more cons than than pros for credits at least for me lah ya at least for me lah unless you know I I same thing you have a high paying job like at the end of the day is just have a stable job


uh then you'll you you'll be able to uh pay off all your debts for loans or for credit cards and stuff


that's true, ya I mean I mean if you already have a stable job I I doubt you will need a credit card


then you can just full cash everything, uh ya but, ya true convenience (mmhmm) ya correct correct uh ya so uh let's see what were what were we talking about next uh


K so maybe we uh can talk about insurance I I don't know if we have any knowledge about insurance uh, now that I think of it I I think I think my parents did uh some insurance I think it was like uh life insurance I think I'm not too sure something about my life


insurance then uh I know they paid off like every month uh when I was younger much younger they paid a certain amount every time uh every month uh for a few years and then uh I think when I reach twenty or eighteen I cannot remember


I think it's twenty one if I'm not wrong then I'll be able to get a, a lump sum of money uh for insurance uh something like that uh ya I think that's one insurance that I have I'm not sure if I have any other insurance


uh maybe insurance on uh bikes lah cause I I have a license but I don't have a bike uh but I have rented, a bike before and in in the rental they included insurance so I guess at times uh ya I will have bike insurance and stuff


do you have do do you have any insurance Yusof


the is is that is the medisave all is it insurance or, the medisave ya I mean I think everyone should have a like some insurance ya


something ya ya so uh I mean, Singapore I think is very lucky lah there's a lot of insurance given out for, for us in case we meet any accidents, uh ya


uh I know there's different uh levels of insurance for the bikes uh and to my knowledge the lowest one it covers it does cover theft, I think uh uh I don't think it covers like the if someone burns your bike or whatever I don't think it covers that I know it covers maybe like accidents minor accidents or something ya ya so that that's all my knowledge I have on insurance


I have yet to uncover all the insurance there is, I mean I I don't really need it for now but I I think it's important for us to learn it lah for the future yup so ya


part tree part three negative experience


okay so, alright so maybe K first first thing what's your like biggest pet peeve ah


I don't really know what's my pet peeve to be honest I cause if if I think about it I don't I cannot think of one maybe I do have one but I it's just that I cannot think of it at the moment ya I mean


I cannot think of a pet peeve that ya uh maybe, uh anyway since we've watched a lot of movies or TV shows right what's the what's the scene that made you cry or like what's a moment that make you cry


I think that for me there's actually quite a few movie or TV shows that I've actually cried in but uh it's not like very very sad also like taking for example I don't know if you felt this way before in Haikyu


but a lot of the scenes in Haikyu is quite emotional and ya sometimes it will make me cry also lah but I mean it's not like I would bawl out crying it's just like like a teardrop or something like cause it's a quite an emotional scene


ya and and there's also like quite a few TV shows or movies that I have cried uh ya so okay so this topic about what you dislike, about younger and older generation


I think for older generation we have something that we dislike about some of them right, ya to I mean to each their own


ya I I think a lot of the older generations not all lah but some of them, can be quite uh what's the word for it uh rude, and and they just expect us to respect them because they are older generation I mean yes we should respect them but at least don't be rude to us as well you know that kind of thing ya


mutual ah


ya ya the disrespect (mmhmm), ya then then I think for the younger generation also like for kids does I mean I know they are kids they don't really have like uh you know life experiences yet ya but I think some of the kids are quite


what's uh like self-entitled maybe it's how they were raised so like for example if uh it's middle maybe for uh for example a birthday celebration and then it's this person's gifts, but then the kid will just rush and wants to open the gift you know that kind of thing and it's quite annoying to see a lot of the kids do that


and I think they need more discipline from their parents or something, ya that I think that's one thing I dislike about the kids lah I mean not all kids are like that but ya


ya that's true, my greatest fear, I think might just be dying, we don't know we don't know when we will be you know pass on it can happen at anytime so with that being said uh you know we have


to be able to uh what's that called use our time on this earth wisely yes, and then like, even though I know that but sometimes I don't really do that, uh and then


ya I mean I just it's just the greatest fear will be like dying ah it's it's just a, crazy thing to think about and it's quite scary to think about like what happens after I die I mean ya what happens after I die to my like for example my family and stuff and when I will be dying it's quite it's quite scary to think about


ya what what I leave behind ya


ya I mean it's it's good that you at least know that you are afraid of god I mean you're you're it it shows that you are true to your religion lah ya, okay traumatic incident I think would be the when I was renting a bike and then I I it's probably one of the first things that I was I mean slightly traumatised about ya so I rented a bike


and then I uh got into like a minor accident, it's not a big accident lah just ya then I was quite afraid of it, ya what what about you


ya I I I I don't really have much traumatised experience in my life so ya did do you have any


I see I I think that's something something like backstabbing you like I think that can be part of the topic but I it's not your best friend right so ya so I mean, doesn't really fit into it lah have have you ever had a best friend that backstab you cause I haven't I haven't had experience of that maybe you have any or I don't know


I see, ya that's good ah that's good


moments and fights ah, like


nice nice okay uh uh K so, anything that is there anything like uh moments in your life that kind of makes you cringe like if something that you did that you think think back and then like oh what I did was so cringe


okay


ya I think I can relate to you about the Youtube part lah I also did quite a fair bit of Youtube videos which I now have uh privated the videos, so no one can see it but looking it back at it it was quite cringe that I did all of those things especially like because uh I don't know what it is about like either streaming or or doing Youtube videos you just have to fake the accent


and then that is the most cringiest thing ever ya, and then I mean I've also done a few uh what's that called music is it Musically ya I think Musically


that was quite cringey I don't remember what I did but I know I did a few that was quite cringey and I still have yet to find the videos until today maybe I can find it but ya I mean taking it back that I did something like that was quite cringey ah ya


let sorry what, nothing I do is good enough


nothing I do is I mean I, in my life I don't really have a lot of, low like uh how to say this uh any point in time where I feel like very down and low


and then cause like I mentioned before I don't really think about stuff too much so uh maybe something that is closest would be like the O levels lah but I mean at that point of time, I knew what I was doing I knew I wasn't studying enough so I don't think that is kind of uh relate relatable to this third to your question lah so


to think of it I don't really have any moments that I've, felt like that before okay maybe in the O levels time uh a bit cause I felt like you know I'm not doing enough for my parents


but and then I don't know how it just that feeling just is just gone I don't know it's just me, it's just how I am lor, ya what about you


[orh]


nice still going strong alright okay uh maybe cause I don't know if this topic maybe if it's a little bit too political I don't know, but is there like what what are the some of the injustice in the world that makes you angry


yes ya, find a better way of doing it, I mean ya I mean it's the same I feel the same thing about it lah but uh I think at this point in my opinion rioting is the best way to do it cause other ways won't work


part two positive experience, K uh want to continue want to start


ah proudest moment I think would be getting in poly with a a somewhat decent result cause I mean


in in secondary school you know uh I failed O levels twice and both, and then I had to go to ITE so when I got my ITE results at the end of the two years I it was quite surprising lah I I don't know if it's just ITE was easy or I actually did something right


but ya but uh, I mean ya that was probably my proudest moment lah getting into poly uh ya what about you


K ya so talking about smile maybe what are the small things that always make you smile, yes I do play Mobile Legends


ya I I think seeing my parents happy would be the thing I don't know if it's small thing or a big thing I I think it's a small thing lah but ya I mean it it will make me smile ah and I don't know this question is quite hard to think about


cause ya there's ya there's a lot of answers lah ya uh


(mmhmm) ya sure sure uh actually you mentioned you have uh a a girlfriend just now right, uh so maybe what what's the three things you admire about her


nice sharing that makes me single ah, makes me feel more single now, that is your, uh I mean right now not really a best friend


cause I had a best friend in secondary school uh but we kind of separated ways uh ya but I'm I mean right now I have a lot of best friends uh best friends but I I don't consider best friends I consider them like, you know like really close people more than more than best friends lah cause


ya ya I'm quite lucky for dodging that lah no lah but I mean cause there's a lot of, people that I'm very close with so, best friend is like just one singular best friend but I I don't consider uh my clique right now are best friend I consider them like more of like family and stuff ya cause uh last time in secondary school I had a best friend cause I didn't really have much cliques


I only had like one good friend so I will consider him as my best friend but ya so ya I mean the that best friend he was the one who got me into like a lot of things like uh so last time I did what's that called a E scooter


I was I was riding E scooter and he got he got me into it and then I was one of those ya , then after that he got me into uh riding a bike getting a license ya so ya he was quite a big influence on my secondary school life ah ya


what do I love most about myself I, probably we uh, I don't really care about what


other people think I it's like I'm very self how to say it, like ya self-reliant and like I just ya


sort of independent like like if people talk negative things about me I'm just like okay whatever you know then I just move on I I I can move on from like bad things very quickly like taking for example I failed my O levels twice, but I just I move move on from it quite quite quickly and then I don't really think about things too much ya I think that's that's what I love most about myself ah what about you


true true K I think it's getting a bit deep now maybe we talk about the best movie or TV show that we've seen, as in deep deep the our conversation is getting a bit deep


let's go deeper uh no okay so what's what's the like the best movie or TV show like you ever seen


sorry, okay I mean I I don't really watch harry potter so I don't know much about it lah cause uh for me I'm, more I I watch more like uh action movies


know like those police shows so like I I have quite a bit uh quite a number of like best TV shows that I watch so like some of the things I think you might not have have heard it before but I know uh a lot of people have heard of sherlock holmes before


so that was that's one of my favourite second one is blacklist which I I don't think you know what it is, uh ya it's mostly mostly uh police related stuff and action movies cause that's that's what's uh I'm more into lah it it it just gets me going I mean and I also recently not not quite recently but like in twenty eighteen or twenty nineteen


like before twenty eighteen I I always thought of anime, like I didn't like anime at all I I was thinking like why do people watch anime it's not fun and then in twenty eighteen I watched the #kuroko no basuke# for the first that was like probably my first anime ever


and then I got I got into it lah and then after that but so far I've only watched two which is Kuruko and the Haikyu that's the only two shows that got me quite uh interested in anime I have yet to find other ones


maybe uh baseball anime like #ace no diamond# I've watched half of it and I just gave up , ya ya it's quite draggy


ya actually same lah ya, I don't have a particular sport really maybe rock climbing, uh ya but I mean I just play every not every sport lah but quite a number of sports so ya I I mean we we are about the same lah


I think personally uh just like have an alone time, I think it is one of the things that a lot of people think like oh you're alone like so lonely oh what are you doing you know but I think being alone adds if if like you're


feeling down and stuff if you go out alone like go go to malls or go to a nearby park alone it's quite relaxing lah and it is it's quite good to unwind and just reminisce and think about your your life, alone ya I think it's quite nice lah what what what do you do


oh last time you live at the like the four storey building is it [orh] okay I actually been there, okay


back in the day , now now you are much better ah


okay uh so do you travel a lot or like have you ever travelled, before like out of outside the country, I mean like before COVID ah


(mmhmm) ya other than JB


(mmhmm) yes, halal ya, actually at Bali there's a lot of shops where they say uh some something I I know no I know there's one one term that they use it's called B two so if you see B two at a shop in Bali it means it's pork but they don't actually say it's pork they they just say B two


so it is quite you have to really look into their shops and ya Bali is quite I mean the food is nice when you find the correct one lah but ya


ya because ya because I mean uh my mum is from Indonesia so, and then last time I was in Indonesia a lot and my late grandmother always brought me to like different uh countries not countries like places in


Indonesia like ya provinces like Jakarta Bali Bandung I I've been to a lot of indonesian place but I mean it was when when I was quite little lah so I, can halfly remember it I don't really remember it well then there was also another time I went to Australia with my family


but that was also when I was like quite young I don't really remember much but ya uh I mean I would like to travel also lah when I'm at this age maybe not into Indonesia, but somewhere ya let me


ya I mean I wish COVID is is past soon hopefully by the end of this year, ya so uh okay rest


there's a lot of times lah I but I think one of the most, times I have laughed are like very hard was when we it was with my best friend, uh he he's quite a comedian lah so, uh whenever I hang out with him most of the times I would laugh a lot so that's probably uh the


the times that I like would laugh a lot but right now also I with my uh current clique I laugh a lot with them as well and sometimes it would be quite uh quite a laugh ah , quite a laugh ya


back in the day


ya true true there's always something ya, uh okay maybe we talk about one last topic uh like maybe what's the best meal that you've had


ya a meal


ya use a chill spot [ah], ya ya I I think I would I would agree with you there [lah]


part one finance


okay so maybe I'll start first uh so question number one do you have a savings account, you mean jessica


I I can't hear you jessica, yeah


okay, uh yes I do have a debit card I don't have a credit card so for me the reason why I I chose a debit card as compared to a credit card is because


I feel it kind of gives me a a a spending discipline of some sorts because uh, with a credit card I may be inclined to actually buy more stuff which is out of my financial range so if let's say for the amount of salary that I'm getting for a month I may just keep uh uh keep buying stuff uh outside without


at thinking that I have a credit card so uh I can I will eventually be able to just uh settle it using the credit card but I think that's wrong thinking and, I feel that until I cannot uh uh until I I feel that my debit card is not able to manage my expenses then I will use uh I will maybe apply for a credit card in the future uh because debit card is basically uh I know that it's just my


my savings uh money and that, basically I won't be able to spend more than what I'm earning, in a sense uh or rather my savings so yeah so uh that's my take on credit and debit card


uh yes yes but I would say it's more of like a twenty percent chance eighty percent I may not be inclined to take it


yup and so at what age do you think a child should be given an ATM card to manage their own bank account


okay I [orh] sorry you're you're saying, okay yeah actually I I agree with it too I agree with the exact age eighteen as a minimum age and uh estimated within the range of eighteen to twenty one because uh I feel like that's the age eighteen to twenty uh I feel like that's the age where you're mature enough to uh know about


understand about financial spending and all that so uh I think having a bank uh account uh a card a ATM card itself will encourage them to save money uh because I personally am a person I mean I I personally practise uh only putting my money inside my account because


if I have it on cash I feel like I'll be inclined to spend it uh whenever I'm going out maybe like example I'm going to the MRT station and coming out and I I feel like getting a drink then I may be inclined to go to Koi and just buy the drink uh because I have cash on me


but some places like Koi they don't accept ATM cards so I've if I didn't have that cash on me I may be uh I wouldn't have uh I mean, going trying to go and uh draw money is quite leceh sometimes so I feel like that might encourage me to not get the drink in the first place and save that cost so ya I think eighteen to twenty is a good range to have a ATM card yup


okay


I I think it's good it's a good uh scheme where they actually encourage you to uh use that voucher or rather uh spend less using that voucher most of the time the vouchers are not, uh easily redeemable you need to go through the hassle of like creating an account or something like that but uh it does encourage you to spend lesser uh to some sorts but at the same time


sometimes it can be seen as a negative uh thing because of the fact that , when you get more vouchers when you know that you can, you have or like example maybe a example I can give you is like a router I can get the usual cost outside is like three hundred bucks but uh if let's say after all these vouchers add up I can get it for about maybe two fifty or something


then I would feel it's worth it so I may be inclined to buy it even though the router at my house is working fine just fine but maybe like this new router the three hundred bucks router has some additional features but it's not a need it's more like a want then with these rebates and all these vouchers I may be inclined to get it so


I believe sometimes you can you can turn turn out in the wrong way where you may be getting something even though you don't exactly need it so ya that's my take on that


correct, yes that's right so I mean like it depends on the use uh it depends on the purpose that the person is using it for if it's a need uh it's obviously beneficial to the person so that's a positive outlook but


if it's something where the person is just someone who is uh I don't know if the term exists like spendaholic or something, then I guess uh that's not really a good thing because you are just encouraging the person to buy more stuff so ya, yup so


uh how about do you think couples should combine their finances and open a joint account like what's your take on that


ya shopaholic


uh I mean uh mine would be more of like I would I don't really see uh I mean from my personal opinion I don't feel like it's a good idea to actually open a joint account uh because I personally uh prefer privacy


so sometimes you just want to get your own stuff and like example if you're a gamer , I mean if if you're married I'm pretty sure your wife will be screaming when you buy so much of uh gaming stuff so uh there should be some money which should be uh put into your house expenses or rather common expenses utilities and everything but I believe that can be set aside from


uh each of their uh the amount of money they, they uh earn or something like that so I believe a certain amount of money should be put put aside for savings house savings, and also for all the bills and everything uh together from each side if both of them are working then that can be in cash or something it doesn't really have to be a joint account so ya


uh that's what I feel and then they should be given the uh privacy or rather the flexibility of having their own uh own amount of, money to spend on whatever it it it it's basically like they're tied personal finances lah they they it give them the flexibility to not be held accountable for the things that they are buying so ya I I would say that ya


yup ya sorry you go ahead


to be honest uh I'm the kind of it from personal uh opinion I'm the kind of person who don't really maybe because I haven't studied about it enough yet so I wouldn't invest money in anything yet uh at the moment uh


like example all those trade and FOREX and stuff like that uh because I don't have enough knowledge and I feel like if you don't have enough knowledge and you just do it for the sake of doing or you do it after I don't know because it's a trend, uh sometimes if you are not good at it you may end up losing money rather than gaining uh uh and of course in in the financial world


or rather in the investment world you will you you you I mean you most probably will lose money at some point of time but uh you need to lose money in a wise way I would say uh lose more lose some to gain more kind of logic, so I wouldn't really venture into those uh those kind of investment or rather even in the in the sense of uh financial wise because interest rates yes uh sometimes I feel like it's not really worth it


because the the amount of interest you get for savings is usually not as high as when you are uh paying for something, uh when you are like paying for example loan or something sometimes like example DBS the interest rates tend to be lower a bit uh as compared to maybe HDB uh so when you spend on something


uh I think that's fine uh the interest rate is slightly lower but when you're saving uh the interest rate is sometimes even way lower than that, so uh I don't think you're gonna gain much out of it from my own from my opinion lah but of course there are some schemes but all those schemes is not for short term it's more of


for long term so if you had a medical emergency or something like that I believe only a insurance is gonna help you uh, not really a savings account or a investment account, so , with that being said uh of course uh you need to know your the needs that you want when you are actually opening up a insurance account so yeah I think you need to basically kind of do your research and be knowledgeable in this field before you you kind of uh go down with it so ya


okay what is your experience of getting a loan or what is your experience or take on getting a loan


okay uh yeah I mean I I kind of, don't really have experience taking loans either uh because of my belief uh that I I I'm inclined not to take a loan unless I really like it it kind of uh


uh kind of uh snowballs from the idea from just now that, I wouldn't be taking a credit card so basically I wouldn't take a loan if I I really I mean unless I really can't uh afford it and it's a need example like a student loan or something then only I will take it but uh most of the time I mean in my life uh mostly it's about uh


uh I will just take the money from my parents first and then pay them back uh because I I feel that's a safer option where uh you kind of have a leniency or rather a flexibility in paying back the amount as compared to a bank where, they don't really uh I I don't think they are gonna really listen to you if you say that uh you can't pay it for this month and you can only pay for the next month so


and also because of interest rates uh I feel like that's from from my opinion I feel like uh the interest rate it's the rates itself is something which I cannot fathom I feel like it's quite high so ya I would rather


uh not take the loan at all or I would, take the loan from, some other means uh net uh possible so ya


I can't I can't hear you, ya


ya true (um) so we just stop the recording now is it okay


part three negative experience


uh okay maybe I can start first so, jessica what would you say as is your greatest fear


uh can't hear you


okay so uh for me I would say the greatest fear would be actually to lose my loved ones so uh I feel like sometimes I mean even thinking about it kind of gives me the thrills uh at times so


because I I feel like if if let's say uh one day I were to lose my loved ones uh I really don't know what I'm gonna do so yeah that would be the greatest fear like there's, there isn't really any explanation to it it's just like a fear which I would not like to see materialising so ya


okay thank you


uh I'm sorry which question is that, oh oh okay, to be honest it's actually time uh not being punctual


so I would say it's not just about not being punctual or rather more of like, how late a person is uh that kind of annoys me when it gets past fifteen minutes uh because it's like uh most of the time


most of the time I'm there, more or less on on the dot or like slightly five or ten minutes late that's like the tops because I feel like I prepare before I leave or if let's say I don't have time to do something then I would rather uh give importance to your time then meeting my friend or meeting someone at


so there are times where uh my friend friend is like late by thirty minutes or one hour, and there's actually a particular friend of mine who is like all the time late so it's more of like that that kind of annoys me to the to the top


I I just kind of lose it at times uh and get pissed off because feel like they are not really when when someone is late to that extent on a regular basis every time, uh I feel like they are not really respecting your time, and I think respecting someone else's time is important because they're actually keeping aside everything else and coming


to actually be with you for that period of time and sometimes people have uh, like uh commitments after that say so they may not be able to just stay later because you came later so I feel like that's disrespectful lah in a sense


so yeah I that that would be what, uh, that that would be kind of my like my pet peeve so yup ya


uh no I mean if it has affected I would have lost that friend uh, way uh before so I'm kind of or rather not just me it is it's when it's a loved one or rather someone which is close to you you kind of I guess


have to find a way to take a chill pill and not make a big fuss out of it uh although we have gone I mean uh my friends have tried a lot of ways to actually, uh kind of do something about it but it still happens but uh that doesn't mean that we're gonna give up on the person because of like what I discuss in the previous topic we don't really give up on each other that easily


so yeah I wouldn't it wouldn't it would affect our relationship in the sense that, the person is kind of known as the late person now but, and everything related to like memes and all that we always target it towards that person


so yeah I would say it won't really affect our relationship in a negative sense in any way but of course we are kind of pissed off at times and we get angry and all that but usually doesn't last more than a week so ya


yeah, have you like experienced any loss in your life, and if you have then how would you describe your emotions at that point of time and how did you deal with the loss


thankfully I would say thankfully, how about in terms of maybe a career loss or something that you really wanted but you couldn't get it like materialistic or career wise apart from uh physical humans


you router !aiyo!


our router just restarted, !oi! our router restarted you need to reconnect to the network


hello


ya it's fine now, okay sorry where were we


oh ya the loss of ya so any kind of materialistic losses or anything like that, do you have any regrets uh opportunity which you could have taken but you didn't take something like that any regrets in something


I have uh lost people before, so , yeah so it's more of like yeah it's it's like what you said it's it's kind of a big loss it's kind of irreplaceable and uh things will kind of turn upside down for you for a period of time but


I guess uh I mean emotions will run of of course and things won't be normal forty for a, a period of time because you always need to give yourself time to heal so yeah but at the end of the day I feel like if it's someone uh if it's a loved one then uh they wouldn't want to see you


uh suffering so they wouldn't really want you to be stuck there at that point of time mean like sometimes uh certain things are not under our control so I guess you should find the means to move on


and uh, do things which your your circle of friends or your family are proud of and you are proud of as well so ya I I feel like you should you should move on because uh I think that's the best thing you can


uh do for them or rather, the the fact that you are you you let go of that , of that bundle of emotions is uh what matters uh instead of being stuck there uh I mean of course there are some people who can


never move on and I kind of, , uh understand that feeling but , if given a, if given the opportunity to help them out in any way I I think you should you should take that and uh do something for them so ya


maybe do you have any friends who backstab you and if you if you do then can you share about that time and how do you feel or how did you react to that particular incident


or rather the experience if you have any


uh doesn't doesn't necessarily have to be best friend like anyone also can so long as you have the experience and, what what you went through kind of thing or how did you overcome that were you able to forgive the person or


something like that if you have, like friends or anyone colleagues, project mates


I have had countless experiences actually uh but never out of uh friends or uh best friends uh not basically within my close set of friends but it's the examples which I gave are more of like work and a lot from uh group mates kind uh


throughout my schooling years there's always that someone who actually uh, will be freeloading and then uh when you when you kind of call them out or when you when you uh say something about them or then they would


make it such that they'll make that whole experience uh bad for you and there are times where they basically just backstab you so they just uh discredit your work or they will just go and tell the teacher that you are the one making the issue instead of when when it's actually them and then you have to


go around the whole drama of proving them wrong kind of thing so, yeah kind of countless experiences but I think it's normal in, in unis and polys and any schooling environment actually because you will never end up with I mean unless you count yourself lucky I guess uh you will never end up with a group


always where it's with people that you know and people who are in favourable of your ideas or favourable of, uh you as a person so uh yeah so I guess it's actually kind of common to find it in groupworks ya


especially when you're with strangers and freeloaders so yeah


uh grades wise because of the fact that most of the time when it's done in groupwork kind of setting of course if you can uh kind of individually get it marked for your effort when


you know that a person is not performing as they are supposed to then uh I won't really be affected because uh I I think, my grades will still be safe or rather the, the people in the team who deserve that grade will still get that grade while the other one won't uh but most of the time this is not the case uh it becomes a common grade for everyone so