ourselves and the families still healthy ya still healthy and, ya hopefully in the future also,


sleep , , if you get to sleep like more like eight hours or more that is already a bless


yes correct it's already a bless, I think sleeping is very important [lah], (ppl) correct


financial rated topic


oh so do you have personal insurance if no share the details, if so do uh okay my one is I do have it's under Manulife


on hold on actually uh


, three by term and invest the rest for me I think


actually I did I haven't thought of it yet


I think it's the whole life insurance because it's, I guess more benefit


okay then, okay I don't have this also do you have ILP investment and which I don't have also


do you think CPF insurance coverage is enough for your insurance coverage what are your thoughts, I think it's the MediShield life right, and the MediSave ya lor, usually what I think


we get subsidised from the government is through this two for what I know, ya other than that the dependent protection scheme and an elder one I'm not so sure, I only know about the I mean I heard of these MediShield life and Medisave


for your family


K then number seven would you approach an agent or DIY when it comes to insurance planning if DIY how do you plan your own insurance I would approach the agent, so that they can explain to me more


what do you look out for and, uh for in and an insurance agent what question will you ask your insurance agent when getting an insurance policy


ya for myself is hospitalisations


right now is number eight right, eh no no number nine what kinds of insurance, are essential for people of your age hospitalisation


, Bodoh , okay then number ten what percent


five to ten percent lah I think


so eleven do you get insurance, okay do you get insurance from a single insurance provider or do you pick and choose insurance products from multiple companies and why I will choose single insurance provider so that there won't be any headache


because too many policy ah then you got to choose which one so I would rather that single insurance provider


ya because if not really you will be confused lah it will go confuse so one is better K then number twelve, do you get insurance when buying car getting property travelling overseas having children engaging a domestic helper engaging in a commercial activities if so


share the details and your experience on the product K if go travelling yes uh usually is my husband handle this thing lah so ya, travelling overseas uh the rest not too sure


ya when we buy the house we have, yes, okay then let's move on ah, , what do you look out for when buying an insurance, policy do you see insurance as essential expenditure yes I guess


back to the hospitalisation lor and uh like benefits for the future like for the if like anything happens to me or whatsoever thing like my kids


ya, will have to benefits to it


again , , okay if you okay number fourteen ah if you are an insurance agent what question would you ask your client when planning their insurance coverage, oh if I'm the insurance agent I would ask them what they look out for lah maybe the benefits uh with uh for the family the whole family or


ya lah, and uh hospitalisation again


then now


no leh I'm not so sure about this personal loan thing eh


oh this one is savings right, ya I think this one okay lah


how do you invest how do you invest your money to accumulate, I think you're good at this ,


ya lah this is important ah


okay okay can we okay, eh so that means we don't need to answer the whole thing right it's just whichever that we, feel like to uh uh feel like want to answer right, okay so in in a post COVID world what changes are you making in terms of your spending and saving habit actually not really saving eh it's more of spending because when you're staying at home too free and then you keep on going


uh online shopping , then you can't eat outside you feel like craving to eat out or something so you keep on foodpanda Grab uh that kind of thing, yes ya


ya I we habit already like, correct true, so actually this ya this COVID right post or pre or whatever lah they actually make us actually spend more, rather than saving,


okay <P2>suriani</P2> anything that you want to, add on the question, retirement again !haiyo!


, save save now don't eat, don't go out , whatever speak


no need a lot lah actually hundred also can


yes correct true, do you have the habit of saving how do you ensure, okay number eighteen ha do you have the habit of saving how do you ensure you meet your saving goals, okay I started saving actually when I was like seventeen


or eighteen and then after that buy house everything zero so I'm starting back again , uh which I think okay lah the saving goes is I just want to actually


don't use my save lah , so long as the saving keep on increase not decrease that that's all ya, no achievement ah


ya lah you divide only lah


(uh huh) saving lor I mean I've been saving like what I say, what's one financial advice that you'll give you must start young, yes correct it won't bring you go to uh I mean it won't bring you go anywhere it's just people see and then after that people won't see you anymore


it's just that they pass by ya when you pass by right people were like ya when you pass by anywhere that people will like !wow! ah branded sia this one but after that they won't be seeing you anymore so it's not worth it, okay lah probably like one year maybe one time to you know just make yourself be happy lah that probably that this is the money that you earn


ya uh this is still not worth it ah , okay so uh, actually just more to saving lah , start young and then uh, ya correct


only like spend whichever that is necessary lah,


okay, ya that's it eh, do you still have more ya I think so eh


I tell you yes because, uh if, if let's say you want to only depend on only like one person's uh like you know uh well how to say payout or whatsoever thing right it wouldn't be enough to you know uh, after you pay bills right that's it done


finish so if let's say you have credit card right for example if you need something you need to buy something that is really like, you need then you can at least use your credit card and pay back later


that's the most important thing ah, okay how do you manage there's at number sixteen, actually I don't really cash out my money so much ah unless maybe probably like one time right probably fifty dollars and that's it and then I just use whatever I can with that fifty dollars and then I try not to you know like


ya I I don't really like to take out so much money lah


you don't see the money lah you don't see the money lah okay done done done okay


negative experiences


forced to change your plan against your will I got no idea about it


okay number three describe a time when you were heartbroken, uh, !wow! I don't want to describe


I'm sure everyone of us here got heartbroken but then I ya I choose not to describe this, eh no heartbroken is not about only love eh okay the one that is heartbroken right is where I lost my friend


whom actually uh very nice, very sporting she always do the makeup whenever we go out whatsoever thing she love to you know doll me out, because she knows that I'm a very easy person which I don't like to make up and stuff so whenever she's around ya she will be the one and then


she died young and that is the sad part that is really heartbroken yes, ya then the one the <P2>hajjah</P2> ya, so I guess that is really heartbroken lah I mean like when you lost someone and then you can't see


someone that is the very heartbroken thing


let's go number four, describe a time when you were looked down by your friends or relatives


because sometimes when people look down look down on you right it's something that bring you up eh so I think I think this one is really not sure about it


so number five describe a time when you felt betrayed


okay lah so that that that betrayal makes you, until today that you, somehow cannot you know, like okay can, so number six if you're going to die tomorrow what are your last words to your loved ones !wow!


, for me ah maybe just, take care of the kids and then, ya probably, just get someone to love you lah, and then ah okay this is


this is last word to your loved ones right like for my, family ya I think you trust, uh to let them know that uh I love them it's just that, ya it's not easy to you know give yourself to everyone right ya the period where I


I'm alive now but then ya I just want them to know that I love them so much


okay number seven describe a time when you felt like giving up, okay lah this one ah actually is whenever like you don't get attention then ya, I feel like giving up, and then ya


oh that's good positive


injustice, affect me much ah not doesn't affect me so much that makes me very angry there's


disappointed ah it's not angry lah, I don't think anything that is not fair I I okay so far is that nothing that makes me like very very angry that kind of thing it's more just more to disappointed


so ya injustice of the world, oh okay eh can you guys, quiet, ya I know but quiet first mom


you hold on ah you guys just give me a second


okay then we just go on number nine what is your most embarrassing moment


yes correct this one ah, what can it be ah


okay for me I really no no idea about it, ya, actually got lah I do not but I can't, I don't want to say lah okay bye okay number ten, , describe a moment when you felt that you were treated unfairly this one is the same as like the injustice right


describe a moment when you felt that you were treated, I think this one is more of like when a family right you got your siblings right somehow somewhere right there will be somewhere like you hold on ah


so I think like ya at times I do felt that uh my father treated me unfairly is because like before that lah this is way before lah


right now he's doing well is whereby like ya the attention that he gave towards my sister is different from, he gave it to me like probably when he see me right it's usually you don't want to talk to me or something like that, ya, so that is the moment lah


yes correct so this this is at that moment lah so ya, I do feel this somehow the last time


okay number eleven what dreams of yours die a little with each passing day, no idea I don't have any idea for this


okay this one is something that actually


it just still have but it's just that, ya okay lah, okay number twelve describe a time where you feel awful after helping someone is when someone don't appreciate you that's obvious, ya


and describe a time ah is there any time that


so go to the next one, uh, , this one is I think I pee on my in my pants


but luckily it's like uh, err I'm already about to you know go back home but then is like it's there, so I got no choice but I have got to just pee and then I know that somehow I can feel that thing ah because I was wearing pants so ya


that makes me like that lah feel cringe


okay number fourteen what keeps you awake at night K for me is basically, because uh that's the only time I have for myself to play phone and stuffs because my kids is sleeping so, that keeps me awake even though how much I can be very tired or whatsoever but I just want my own time you know like me time


you hold on ah


that's why


uh describe the saddest scene you ever witness


the one that my friend die ah, I think that is the saddest scene lah where I need to you know, like we because we are very close I mean like somehow there's this connection when you're close to that someone right and you know that someone is super young and they shouldn't be gone


at that age and then ya and I have to witness uh even, pave the body and stuff so I think ya that is the saddest


you wait ah you wait


some more what else, #anak anak#, can you please just talk in the room for awhile I'm actually going to finish already I am finish finish already


what makes me stressed, the kids, yes ya is just you know the kids my husband as when like, when when when you know like , how to say ah is like sometimes


ya lah when he asked me to do this for the kids and stuff and then I know that I I'm the mother, and they know what to do and then ah it's like, being told what to do ah that makes me stressed


positive experiences


wait ah describe a time when you were helped by someone in your time of need ah when I drunk when I drunk and I need to go to the toilet so my friend was there to assist me


okay that's all lah, there's a lot lah but I can't remember that lah


, correct okay the second one what is the best meal you've ever had !wow!, I eat everything and I love everything that I eat , best meal eh, !walao! whatever I eat is best lah


I can't be eating something not best


what is the best surprise or gift you've ever given someone


this one is only for that someone to actually tell me , , , oh eh that one will be the best yes okay number four describe a time when you can't wait to attend a special event or concert actually I don't really likes to attend all these kind of special event or a concert


because I feel Leceh lah headache lah need to go and find things to wear so nothing to explain here nothing to describe here


, describe a time when you laugh too hard !oi!


it's a good thing ya is is a good thing it makes you happy , correct okay, describe a time where you took a risk and was rewarded with success took a risk and was rewarded with success


, !wah! this one ah took a risk and was rewarded with success, I think is, this year lah the one that I managed to you know (ppc) get promoted to a senior


where actually it's not a easy things to do, but ya I just take a risk, so what I mean like if the boss see me something in me then ah ya I think that is a success for me lah ya


!wow! , okay what makes you persevere what is persevere


I don't know I think become a mother it makes me ya Tahan


actually okay lah the, good part is right like you're staying home with your family, cause you can't go out I mean like spend more time lah yes, there's no reason that my husband can go out


, uh so I appreciate that this uh I mean I appreciate is because ya more times to spend , yes


I forget ah that's what that's what I forget but now I remember


share a funny okay number nine (ppc) share a funny inside joke that you and your group of friends still laugh about till this day


serious ah okay I see , okay , so you have all the preparation before even sign the paper that you guys are husband and wife lah


okay never mind , , okay


oh I don't know eh, not sure about that leh this one I really no idea, okay skip


oh ya actually ya family gathering is really something, ya, it's a really good memory, because whereby people will sit down and then together and then we will just talk stories and then just like you know like there's, there's just us ya correct


there you you know that everyone is alive lah, , , ya but it's just that you happy to see their presence there, is like just gathering lah it's just you want them to be there that kind of thing, ya


yes correct so same, K eleven, oh this one ah is to go out Karaoke


those places that is closed ya that is what I'm looking forward, eh wait ah I haven't finished the most I haven't finish okay the most that I look forward is uh actually go to my parents' place without like you know like scared that later Kena Saman or whatsoever thing ya


oh ya hor kay I never think about that, ya to go to go out at least JB


a gathering which is outside the house lah


baby don't know anything okay , correct is like this year no traveling no nothing just taking leave for sitting at home only


, (ppc) I just want to go JB lah at least because ya the food cheap the


Bodoh okay


I think right is more of my positive, mindset lah, that uh actually ever since I become a mother and then ya I become more how to say ah confident a uh okay not, not a lot but at least, somehow a bit and then uh more to the positive


being positive uh ya the anger level is like really down already so I'm more positive person I can say for now that is my personal growth ya eh


ya lah when you have to do it yourself, work and then like, ya I think that is something that, you grow and then you ya you able to actually work on things yourself


once you reach to the certain age whereby you actually do it everything your own right that's where I think ya you already grow


what is the nicest thing someone has ever do, to you !wow!, nicest thing someone has ever told you, uh, ah kay I don't know ah this one I got no idea


what was the happiest moment in your life, (ppc), happiest moment of course marriage lor


I no idea about this, K number, four or shall we just look at something else what are, oh who in your life do you look up to


the most my husband actually ya, ya because everything I do right is like, ya I will get, him to you know give me some advice, because I felt that ya he


knows quite a lot lah I mean like, he loved to do research and stuff so I will just go and look, up for him lah for anything lah


okay


then what else err what are you thankful for number five, thankful for I think I know what ah marriage lah


no healthy, I got one more I want the question number six, what do you used to hate as a kid but now love as an adult sleeping


yes , I regretted that ya, I don't enjoy sleeping but actually right now right that's the most thing I ever wanted , like I ever want , ya and nobody disturb


(ppl) (ppb) ya, okay (ppl) correct okay we are done


invest your money to accumulate wealth or, planning for your retirement you usually be depending on what is the end goal, that's where you are able to, know what you should be having at the end of it right


you agree like you need to know what you want at the end of it, yes so there's two like one of them would be something that is untouchable


at all so for mine is twenty years, and then the other one is of course to something that you're able to touch but you have to stop yourself from touching


ya we also have to find out like for those that we are not able to touch what's the percentage of return or interest, , that would be good and then the other one that we are able to touch just to make sure that it doesn't deduct just that they're helping us to save


ya and also there's this uh interesting thing about it is for mine so for twenty years I'll be putting in, value in there so after twenty years I don't have to do that anymore and that large amount which is continuously accumulate, and it's a good return what strategies would you recommend someone


planning for their big ticket expenditure, again still you need to know what you're looking at if you want to start, a family for example, if you are planning to have a kid, then you need to know


how you going to plan for that kid, like some they do want to get married but they've never thought of having a child


you are talking about house also do you know that if you were to take up money from CPF there is a percentage that you have to pay so that's why bank loan has been like the thing now, especially for our age we don't want to pay any, any single more percentage for using our own money especially so they're now doing bank loan to buy a house so ya and and (mmhmm)


there is interest for you to use your own CPF so that is why they would rather, have that twenty percent deducted and then they refused to, purchase a house using their HLE option


or that you have an option to choose, whether you want to use your CPF up to twenty five years, talking about buying a car like we plan uh to buy a bike by next year


of course we need to know like, what kind of bike we can afford and also how many years


coming into the page, personally for me I don't believe in joint account because, I would say I have trust issues I, don't mind sharing the savings and making sure that okay like for example before marriage I don't mind putting the cash


for that uh for my partner, and, for the financial commitments like, I wouldn't, want my partner before marriage to be responsible for anything that we need to pay for whatever I need to pay for because that's where we both know how to save for another one another how we'd


know how we can help one another financially before marriage, by, splitting the cost splitting everything and making sure that both party still have their savings before marriage


ready even after marriage you know like (mmhmm) ya having to know


how your financial plans before marriage like you need to know your partner as well like how, uh your partner spends and everything like that just to make sure that after marriage the value that you have doesn't go down next topic


would be in the post COVID world what changes are you making in terms of spending and saving habits obviously only the needs only the needs, because it's like (mmhmm) we do ya we did I don't I am very skeptical when it comes to that so ya (mmhmm) and also (mmhmm) (hmm) ya and the we've tend to know that prior to COVID


if you lose that amount you know that you can do OT and everything like that, but, after COVID your service is not in demand anymore so of course the company is not going to pay you


it's more about the will, ya it's all about the plan


the end goal again for me like I when I say retire means I would, stop working for someone and do what I really want to do, uh, of course I cannot be spending how I've been spending while I'm working for an employer


planning how to it it I wouldn't for me my plan is, if I can I'll at the age of forty five is, where I plan to retire and to start doing what I really want to do so right now I'm hustling a lot and that's why I'm like forty five (mmhmm) and it's not about


spending how you're spending right now of course, the moment you've decide to retire is when you should start enjoying life without working for someone it doesn't really matter like how much, ROI you're getting from what you're doing like for me I want to do uh I want to massage for people I want to


share how we can relax our mind and stuff like that but that is not, bringing in as much income, as I am right now so I, would still say that the idea, of, retiring early and financial independence it really depends on


I would say that they have to owe, another person or maybe their family members to, cover up that amount because from family members or a person you don't have interests or you won't be


jailed or you know bankruptcy and stuff like that, so the only way to cover up that, that hole is to owe from a person, and that's a different kind of debt, less we, skip because if you were to owe the bank for example


so much coming after you so much more


sell your stuff sell your home, sell everything you have get out of debt because that's the main objective, and that comes to the next topic do you think one should own a credit card I disagree


but I have one just for emergency, but still that I prefer cash than credit card because that could lead to the


ya it's so important to know the difference between needs and wants, because if you don't know the difference, you are like putting yourself into, ya very bad situation next question


is what advice would you give someone in order to, retire comfortably really depends on what is comfortable to you a shelter is enough, or you need a luxury, that uh


just uh, bike is enough or you need a luxury car, it really depends what do you think, really hard to know what what is comfortable for you you know I mean if you needs (mmhmm) (mmhmm)


but can you sustain all the billings


exactly like I mentioned that I have been hustling, since, since I was young so at age of sixteen I already knew that I want to save as much money because while I'm young, I would do that in, one thing important is that we need to know


if you see in the market they are saying that three for ten dollars and all you need is one which is four dollars, you're not going to pay that six dollars to have another two, you only need one so four dollars is all we need, to get it, so you saved that six dollar you know what I mean


and, every dollar, counts so you need to know that when you start, putting a dollar under your pillow ten years later it would still be a dollar, so you need to know that's where we came the first question uh the second question to know like all your money is it getting


a good ROI return on investment, or no, you just put your money there, nothing is like increasing that's not helpful also, what are your thoughts on CPF contribution is it, good, I love the idea of CPF contribution


how do you manage your CPF savings what advice would you give someone in order to maximise maximise their CPF savings for their retirement , right now they have this thing they call it CPF, I-F


so it's very interesting what they do is the government do use your, CPF to invest, but the thing is the return is not as much as using CPFIF CPFIF they would actually be so transparent every month they would


mail to you the return it's not that high I would say uh five dollars seven dollars ya ya ya ya I


I think you can just go to the bank and then you let them know that that's what you want to do, and uh you can also have the agent like uh insurance agent and stuff like that I'm not sure which insurance are doing it, right now but, yes it's happening right now that uh so you take out for example twenty thousand and that's a minimum amount then invest it uh the return is not as much but still


uh they are very transparent with that have you heard about it that it exist they they they would put it back


they do uh you can actually tell them oh you want to stop doing that and then they just going to put that amount back to your CPF


you will get it so that's the base amount


what advice would you give someone in order to reduce their income tax


I don't I don't DIY because I really want a good return like I was sharing earlier about putting a dollar under your


one thing about DIY also, is that, you get to save because having a financial consultant you have to pay them, for their service but, having DIY, to know that


whether you fail or not the blame is on you, ya and also you know that


(mmhmm), part three negative experience


ya I'm done that's my saddest, we'd like to witness a situation like, oh my god, because like every conversation that you have with someone you need to make sure that it's a proper conversation, you have nothing, nice to say shouldn't say and to make sure that every conversation you have with anyone is going to be like a good finishing


especially someone that you're, close with even colleagues you know sometimes we don't know


went too sad


their noise is got like it was sad, and then it became like, meh (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) oh dear ya (mmhmm) (mmhmm) (mmhmm) ya truly ya I think I'll fix my mourn if I'm in that situation I would fix


you know that mentality that his mum has, so that's like the root cause, of all these oh starts failing on him now !wow! obviously


I mean my story is like very clear eight years, got engaged with him and stuff like that bought a house plan the wedding event and everything and he just chicken out from the whole idea of getting married, , what more can we offer we offer our time our energy our effort we sacrifice


we make sure that their problems are solved first before our problems get solved and everything like that and just to realise that, he decided to not get married which is very interesting of course they would, you know blame us for not being good enough or then they would start to turn around and say that oh no we deserved someone better and then they start to turn around that we hurt their feelings we are toxic and stuff like that and then they start to turn around like


one thing about human beings is that we have a brain right we have a choice on how we want to look at it and think about it like everyone have their own perspective, one thing bad about humans is, they think about what's going on in their head and they refused to think about what is going on on the other party head and even if they do then assumption starts to build in


instead of asking proper question, to clarify that particular person or whatever they choose to either keep it to themselves, because they feel like oh it's not worth it talking to this person, this person will just start to, uh get all defensive about it uh all I wanted is discussion but


being defensive is not what I want, you know, and that's where you start to just keep it to yourself because you don't want to have that negative energy flowing so close to you, and you end up getting hurt, and the moment you want to step out of it


you get blamed and insulted, so whatever that you've been struggling through for that person or whatever that you've been trying to do for that person, means nothing, because all they look at is you have a attitude problem


you can't give everything, but if that person is selfish means nothing (mmhmm) exactly ya I know ridiculous


uh is there one thing you wish you could change, I wish we live in a worldwide


zootopia, or live in a world full of sphinx talking sphinx, you know naked cats but they can talk ya can you imagine how beautiful that is like just talking cats everywhere


ya like !hey! what's up how are you today and they are cats what can they do to you nothing make you smile and laugh that's it, but human beings there are some, thing you know, oh you you know about this they said that you have, two ears and one mouth


so you should be listening more, than talking but no they don't do that, so when you speak and they hear some uh oh like you know when they catch your word that they don't like right, ya


but they would stop listening they would stop listening and they just start blasting you, just so you would stop talking about what you want, to talk about, and the fact is you can actually just tell that person I don't feel like listening to that


one thing that you can change


things that I question my life every day


you know he went to the toilet, because we were talking right and then he said that he needed to use, you're going to still stay there so ya, and so we were talking and then he said he needed to use the washroom


and I told him no no no no you're going to listen to my story he said wait wait wait I'll come back, but he got unconscious in the toilet seven days later he


it was multiple illnesses though he was unconscious so he got fever he had fever while being unconscious so they couldn't, help him to coughed out all the phlegm and everything, so that's that affected his, lungs, so lung infection was


one of the reason for his the cause of death ya so what makes you stress (mmhmm) I don't care (mmhmm) (mmhmm) exactly is busy ya ya I would say what makes me ya you're saying what makes me stress is like


ya I do get stress about their relationship too, as you know that I was getting to know this guy and then he, start to like you know, lost his EQ somewhere I don't know he flushed it or something, and I would


say I cannot handle, human beings for real like when they start to get all, selfish and just thinking about themselves, and you know I cannot handle that and one thing, that if you were to look into it it's so


common, everyone is just thinking about themselves it's all about me myself and I, you know, (ppc) and it's so common when they asked, they don't even think whether or not it's convenient for you


or not, the moment they ask you for it ya and you have to say ya ya ya ya and if you don't they're just going to keep questioning you and when you say cannot make it you want to sleep and they'll be like no you can always, you know like just, chill with me it's relaxing we just going to do this we going to do that but they don't get it when you need your alone


time and if you were to, detach yourself from friends for a bit it seems like you're, isolating yourself, do you experience that so you have no choice but to give your, time to everyone


even you have you have you have no time for yourself, I I I don't understand human beings, but I told you I'm not a people pleaser, I realised that, maybe after I got single I realised that


oh my god you you you, either lose your friends, or you pleased them and I'm like hell no, you want to walk, like obviously no I'm not going to do that you know if you don't like it you can walk away please go I have


other friends to talk to, so like it or not go respect my decision or go (hmm) but I don't want to feel stress about it something so simple (mmhmm) (mmhmm)


age thirty five you can buy it with me, oh ya you have like what, nine years to save up, ten years that's, that's just enough really


thankfully you're not injured, my boss hired this guy, to


to help me while she's on maternity leave, and this guy just put me in a room and start, insulting me and like you know putting me down and, and you know all that I I was


twenty three twenty four years old, to experience that in a room, by a bigger guy, it's really, really traumatising to be honest like, , ya he was just unhappy


, with me he was just taking it all so personally and he would he didn't stop there he brought like more people to go against me and just you know it is really traumatiing and that is why


I, I will never be one hundred percent nice I'll always have the eighty twenty so when I look at you, I can give twenty percent kindness and eighty percent like take a step back from you and not get involved I'll give you that twenty eighty but if I look at you like you're nice and everything I'll give you that eighty percent of like you know I'm here for you and then twenty percent off I'll take a step back if I cannot handle


you, so there's never hundred per cent with anyone just depends on how I do the eighty twenty, rule with someone cause it's traumatising, to get back on your feet is just not, easy, what is the biggest thing holding you back from your goal


if if only there's no such thing as procrastinating, is the best thing ever who created it


two positive


you know what amazed me the most is that we are cousins, and it's so beautiful that we met again and again in the funeral, okay nothing positive about that, just just


and I found out that you are my cousins so funny that you taught me how to, calm myself down, it, unlike during the funeral and everything like that, and the way you support me and you


ya since that after that we, you know we met and you you always listen to me you have, nice things to talk about me and complementing me everything like you never judged me even though you know that


I have mood swings and, stuff but you're you're always complementing me and telling me that I went through so much so I have all the rights to act such way


yes that's what we learn, ya and do you know that happy moments it last right for like maybe, a day, the whole day you had such a good time


negative moments last the same period of time a day as well but we human beings choose to drag it, so that's not the way we should be what was the happiest moment in your life


honestly honestly, on my birthday when you surprised me, I was so blur, ah, I don't know how to express or describe but you know I gave your an award for that right I rewarded you for doing it


I love you so much thank you for that surprise and really your cake was the first wish I made


if you are not happy go if you're happy stay, , travel experience share with me


memorable travel experience , I would say my trip to Bangkok it was crazy like I was drunk to catch my flight I was so drunk and I the only thing I packed in my luggage which is so stupid was only one pair of pajamas


I didn't had flip flops or anything ya the luggage was freaking huge it was a checked bag but I was so drunk because the, I was going through a lot of you know stuff so the night before my friends wanted to you know to just go to the bar and drink and drink and I got so drunk so I I was the last person to was I was the last person at the gate


so I went I got in but they made me remove my clothes they checked my bag and everything like that oh I felt like a criminal, my jacket and everything like that, ya so when I, got on the plane it was


uh thai airways so, nice you know you just continue drinking on board , , the moment I arrived there, I noticed that yup I have nothing I have nothing to wear


I literally have nothing, and


I went twice first time was three days second was uh seven days


my fish is so fresh, fish is so fresh, I know than singapore what is the oddest almost unique compliment you've ever received


ya I okay, what what's what's weird is I mean we are mixed right and just the way I speak I, I have to keep on moving department because of the situation with work and stuff like that so I always have people approaching me like


if I am mixed are you eurasian and stuff like that I'm, like, are are you for real, but I know that person is not fake it's just that the way we look especially when we dress up like now we're like


so ya that's, something that we experience, what are you thankful for


I mean during hard times is when we need to know whether we are fighter or we're quitter, and, we're not a quitter so we have to keep on fighting no matter how hard it is uh of course it's easier to quit and just you know cross our legs and just relax but no sometimes the harder times is where you need to fight harder to get off that phase


, and I'm so grateful and thankful for everything I have to uh especially like a shelter job nice clothes nice shoes, cool stuff


what did you used to hate as a kid but now love it


my late dad was very strict you cannot reject food so like it or not I'll be forced to finish the food so growing up I love that I was, trained that way so no matter how bad


uh someone's mum cooking is I can, finish that food and say this is delicious , because ya my late dad is that strict so I remember I didn't wanted, to eat the beansprout and he made my mum cook beansprout with rice the whole week


and that's my food, learn how to swallow beansprout ya that's how strict he is no rejecting food finish everything, , I'm a talented person okay finish food that is not nice ,


what was your best birthday present and why you go first


the earrings that our uncle just passed, away , I wouldn't I I didn't expect a Chanel earing from him and, I would ya, not not this one but, and I always wear it like occasionally uh I I didn't wanted to accept it because it's you know but I did took it


and I didn't know that it was the only thing I have to hold on to


crazy


you know I I cannot do it you cannot do it, and when I put myself into it oh my god it's done like it's it's actually a blessing that I don't even know why I have that strength


I try to make it as positive, as possible okay , what is a comfort food that you can always rely on to cheer you up ramen


what do you love most about yourself


the fact that you are such a good listener


because you can respond back


because even when I'm angry or happy or whatever I can look at that person in the eye and smile and you can tell whether that's a, happy smile or a bad smile I've something positive okay my smile #foie gras# meal right like a huge #foie gras# #foie gras# #foie gras#


let me do the pronounciation right, #foie gras# #foie gras# F O, FOIE, ya that's goose liver it's so big and it's so sick I was just lucky liver goose liver goose liver oh it was my chef who cooked it for me chef ya (mmhmm) ya


you eat it with brioche toasted brioche how about yours, the best meal you ever had you have #tash tish tosh# ya they do perfect medium rare like perfect medium rare all the time (mmhmm) (mmhmm) why no


no that's bad, describe the moment when you felt the luckiest


I I went to private I took my diploma and then right after that I took my graduate diploma and I couldn't afford a degree so I had to go for smaller classes, small like you know courses, to cover up everything in uh


ya in hospitality so I covered like most of the elements in hospitality just not a degree ya


ya I think it


part one finance


how do you invest do you invest I mean like savings savings and investments are different right


oh okay I think ya I have it, I think mine is for thirty years but it's uh you can actually withdraw it like after fifteen years but ya I'm not I'm not planning to so I think that's that's what you have to control to keep your money growing


(mmhmm) yup and I think uh I'm, seeking help from a friend who is a financial adviser he's the one handling my investment so , I'm pretty sure he won't let me withdraw anything ya motivation


yup and like what do they want to do after after the marriage not just children like maybe like they, want to start a business or like what kind of


area would they want to live in like some of them like really want to don't don't want to live in HDB or anything right, so if it's not going to be in HDB they have to actually set aside, money for the place that they want to stay live in like maybe


it's uh like private housing yup so


okay I didn't know that, , I thought like like if if you want to deduct, from there it will just deduct from there but there's interest is it


house loan


COE, that's a lot of money , , okay next question how do you manage your financial commitments before and after marriage before I guess like


our commitment is to save up for the marriage, like there's a lot of thing to save up also and then like after the marriage your savings would go down a lot then that's why you have to restart back your savings


ya but maybe after marriage you can actually split the savings together with your partner, which can


like you won't get broke right after the marriage right that's that's going to be terrible


(mmhmm)


, , I think I saved a lot during the COVID period like you get your GST the three hundred and then another six hundred do we get six hundred ya I saved that ya do you online shop a lot


me too actually ya I think I think, with if it's not because of COVID I'll be spending using the money to spend, to travel that's


ya it's it's a good thing that COVID happen


retiring early for me I don't think I'll be retiring early because like there are some people who believe in retiring early I would love to but I don't think the job that I'm in I'm able to do so so but I'm okay


I'm okay with it just that, saving saving up while doing the job is it planning ya but


to me I I I have a friend he he wants to retire early but he's into the forex thing you know uh and I think he's doing well with with with it


but I'm not sure how it works so like this kind of people they if they want to retire early they they can do it but in singapore I'm not sure


being an employee you employ people


okay next question what advice would you give to someone to get him or her out of debt to get him or her out, that so so like they they are really on debt and then we we want them to


stop, that's that's quite hard, okay they they ya go


(mmhmm) (mmhmm), but that's if that's if the family members are well to do to help them out right,


ya ya, I I wouldn't want to get into one it's it's a cycle never ending cycle


no no ya I, I'm not planning to


, to me I'll get whatever I want with what I already earn, so it it feels better that way, right and ya with credit card


I don't think I can control myself if I have one , you can just get it get anything you want and then later think about the money paid money issues


ya it's really (mmhmm), no no credit card


uh


retired comfortably, like what you say I think maybe by by then when you retire, (hmm)


you need to work you need to work hard right like right now, to retire like what what what's the yup a shelter definitely your own transportation that'll be nice


, ya that that's, ya that's that's the, that's what I'm thinking of like that's why you need to hustle hustle now and maybe you split all your savings in per month


so maybe monthly you spend like five hundred for your bills, ya and then, you got your own transport you got your own shelter you should be fine settle your own bills ya


(mmhmm) (mmhmm) (mmhmm) (mmhmm)


I know Nadia you remember the what we've talked about


like you, we had we had different opinions so when you were younger you wanted to hau


uh purposely just to get above five hundred and then cut off for that CPF while me I don't want to hit that five hundred four nine nine is enough so they won't cut your CPF, now now I know why , ya it's really helpful CPF is helpful


do you have to apply for it


okay, nope uh, I don't think I'm quite comfortable with it but I think I should


I don't know , oh I do want to try the , I mean like for example twenty K you invest right and then it is it it's either you will get it or you will not


to, okay (mmhmm) (mmhmm), okay


I'm not really sure how to can we can we go to the this one can can I go to question fourteen should I DIY or get a financial adviser to pay my finances do you DIY


I am getting my friend to advise me on all of these things because he's really experienced and he he knows what he's doing so I'm putting my trust on him and ya so far it's doing well


if if you use that money up it's yours it is like the money is there


(mmhmm)


did you want to continue first, (mmhmm) that that was the last


me my saddest


ah , no your okay saddest scene you have ever witness, okay maybe


like when you were younger these affects you more you know, like my parents always say that they want to like divorce and they they they just can't click together so like everyday you when you were young you hear them quarrel and all so you get very sick of it like


up like till today actually but they they didn't do anything about it so they we're just living lah, like that you know, so like is it sad to not feel anything now like I don't even care


I don't care, and ya I was very affected, ya ya that that should be it , I have a friend actually he, you it a guy


his mom has depression, but like, he could, because of that, date his mom don't really, give him the freedom to go out and all so like if he wants to go out he has a curfew by like ten PM which is quite sad because he's a guy and then like you know we are already like twenty five twenty six


ya, and like but he's we as a friend we are understanding about it we'll try to talk about it to him or maybe like when we go out with him we don't really, , pressure him to stay on too late because we know that he'll be affected by it but ya this this is quite


one of the topic that me and my friends were talking about lah so ya and uh, that what would you do if you were him right, it's quite hard ya


ya and then because of that he has depression now, yup it's quite hard next question time where you feel that nothing you do is good enough


(mmhmm) <B>


(mmhmm) it's it's quite scary how something really beautiful can actually go turn into something really nasty you know like people can just say one thing and then you can just change it just like that how how do you even do that


and you thought that you keeping quiet would actually help the situation, but no no


yup it's it's also I don't know if it's a good thing or a bad thing that we always like to put ourselves in that person situation but never that person in ours right really selfish


fat ones fat ones


(mmhmm) (mmhmm)


that all all the three works together at the same time


, one thing that I can change


oh man this is very deep , , oh, I think I can't think of it now I I can't I can't think of it now but maybe for now


you know like, I think there's always a reason to what, happen before so ya I can't think of a bad thing that I would want to change ya maybe we go to the next question


have you gone through any loss in your life yup, uh for me lost in my life okay uh, my


my late grandfather who lives with me, also I think a lot of people right now like they don't even have sickness but suddenly just you know it happen like that ya actually my my life is only like my grandparents so uh


and both losses were like one year apart and, ya you didn't expect it ah like uh I


I'm not sure if you know how my late grandmother passed away okay, she went to a massage so the person massage her foot and then I don't know I think foot, foot the nerves on your foot is quite sensitive ya (mmhmm) ya and that's why I don't go for foot massage anymore at all like from that day onwards ya so she went for the foot massage


and then on the way back home she wanted to, go to the toilet so she couldn't control her bladder so she just had she couldn't control it so it just you know in the bus


and then when she reached home she told my aunt what happened and then, they brought her to the hospital just like that she was admitted to the ICU ya and then like seven days later she just passed away


ya sorry sorry I just spilled water , I just spilled water okay


seven days later right really exactly same, (oo), ah what did the doctor say what what what was it about, same


maybe I'm not stress because of money, uh


I want the same things that's happening for my friends you know and it's not that I want to be in that position it's just that like, would I ever be in that position like for example like my friends they are all getting married, I don't care actually but it's just that would I ever I don't want I don't want it now or like next year or anytime soon but would I ever you know so like sometimes they just like make fun of it like eh uh next year the two of us getting married so yours also okay next year next year


what with who you thought like it's so simple, like that , I mean sometimes it can be funny but you know sometimes you know it just, don't talk about it man


ya, maybe I


(mmhmm) (mmhmm)


actually you are you are


(mmhmm), like like for me like going back to the relationship thing right actually I'm not really concerned or stressed out


about having a partner like but the main thing is like you know like you want to own your own home ya that's that's might ya that's all that I want I want a home but how do you get it in singapore


done, thirty five, ten ten years ya


(hmm), what is the most traumatic incident or experience in life, maybe it's the one that I got robbed in Bali


ya like I was on the bike and then was using my GPS then I was I was I didn't even thought you know like I went there, I went to Bali a few times and it was uh there were times that I only went there with just two girls just me and my girlfriend


and we actually went back home late we took the grab bike from Bali like you know anything could happen but all the experiences that we've been to it was a good one just that the last one I went was with my ex


and I thought you know you you are with a man ah nothing will happen then you got robbed , the person just like snatched your phone on the first day of your trip when you just landed you know you just want to get going to the first


thing that that you plan for ya that ya and then like few days before my trip I did see I I did read up about uh a a news that there was a couple in singapore who got same


experience they got robbed too but that was with weapon, and like they the robber actually kicked the bike and then they they got injured badly like thankfully like uh I was like ya ya, like it's okay just grab my phone just don't do anything to me ya you


and you you had the more more experience there right you know your things there


and you can do anything if you have money,


who even created time


two positive experience


should be you, , uh we've been having like emotional talk yes like


you are the best lah


like really I've , like I've never met somebody as positive as you, and no really ya like we met, almost the same timing we we went through some


bad experience it's it we had the same timeline that should be during the negative ya okay ya , one thing I learned that


it's okay to grief but not for too long, you know, your your life is really very short and it's tiring to be sad all the time


(mmhmm) yup, really


okay,


I mean I know you said you don't want surprises you don't want, to celebrate your birthday and all, but, I think these are the little things you can do for someone


, my happiest moment is , you know after some bad things we went through and I'm trying to learn to love myself, like, to soul search ourselves that's that's nice I I think it's nice it's really nice like


, you get to spend time with yourself, figure out what you actually want to do about your life, without without something bothering you you know like you know if you are in a relationship


you argue with that someone you have to think of all that but there's nothing to argue about now so ya


describe one of the most memorable travel experience , I should say it's, my first time traveling which was, only to Krabi I've only been to asia boring ah, supposed supposed to go somewhere this year because of COVID


but ya that was my first travel experience I've never even been to JB with my friends, so that's like my first travel experience, with the friends to Krabi it was nice just us girls and we were really young, ya


I love it you


, remove your what oh okay okay ,


it's okay that's why you in Bangkok to shop


I went to Bangkok I think I went for four days trip there, you you


!wow! , okay like when the first time I went to Bangkok like my friends told me like there's a lot of shopping to do, so we like four days we brought like six hundred that's actually a lot you know


so that yes six hundred dollars, and then like we went there, I actually couldn't find some like nice things like there's a lot of, ya just a few I was more into the food there street food


ya and then like the desserts ya, (mmhmm) and then like I don't know why macdonalds overseas are more tempting than singapore


I don't know if you received this compliment but


like people come to me and and then just say oh , now okay let me translate I was oh you you are mixed indian very beautiful


janitor asking


the people around me, you my mom and my girlfriends, I'm really thankful and I'm thankful for a job I'm thankful that there's still money


coming in ya, even though ya I know you are having a hard time at in your job but, you, you still stay on man


(mmhmm) (mmhmm), very, (mmhmm) (mmhmm)


, , okay what is, when I was a kid I was a very picky eater


like ya like I don't I don't eat like, beansprouts I don't eat veggies I don't eat, what else do I not eat I don't really like fruits,


ya and then like you know KFC mashed potato that's that's the bomb I didn't like it, coleslaw ya but like as I grow up I don't know like, I got the habit of looking at people's food


it looks more appetizing, ya so like you know I I think I'm, I think that's quite an achievement ya it's gonna be embarrassing if you have kiddy taste buds right as an adult ya


my best birthday present I think it's going to be, my mom, she bought me a TV this year because she know I always love at home , that I I'll just like


stay home and do nothing so she like okay here you go a TV, ya, and I I love birthday cards ya ya appreciate all of them I I have it with me, you


oh he got that Chanel earring for you, oh ya, ya I I realise


(mmhmm) like it was a birthday present from him


I think my biggest blessing should be, I think I'm not strong, but I am and I go through the day like okay like even though you think that every morning you know you wake up


just do your own things and all but there are people who struggle more than me, some of them can't even get out of bed and all but I you know just do it just go yup


, cool stuff I don't know


, sorry


yup definitely you're strong,


yours is chocolate, I know ya ya, you always with your chocolates


ya and then you like to dip you like to dip your snacks with other stuff you just won't eat it alone you know like who got the idea of having cheesecake with nutella, , oh ya it's good


I actually bought a nutellas the, the the biscuits sticks you know just because of that,


I'm still learning, ya what oh ya I am


, ya ya ya, I I'm not acting that I'm listening you know I'm really listening I'll just zone out and listening , it's nicer if you talk finished everything first


(hmm) that's scary why would you want a , what was the best meal you've ever had


what's yours, burger from burger right B U R G E R


what what's that F O oh #foie gras# uh


really foie it's it's that, this meal no right it's the sorry, liver where where did you had it


your oh (oo) okay your hotel sofitel oh sh


best meal damn I've I've not had any expensive food but , I love steaks ya I love #tash tish tosh# I always go back there yes how my friends uh I went there


with my friend the next week , after we went I ordered steak also medium rare and then they're like, !ee! they they take well done


they have well done for their steak no


okay maybe for me, I had to go through the long way I think you did too like for education wise like I had to go from, secondary school, normal academic and then I I didn't get to


sec five so I had to go through IBE from NITECH NITECH to higher NITECH and then from higher NITECH I didn't get into a poly so I had to wait for like one year break then I got into poly and


I think it's I'm, pretty lucky that I've at, I mean like we've got into we at least ended in diploma, (mmhmm) you


to build up your skills also ya you did well


okay part one finance so alken


uh what what's your investment strategy


ya definitely like like back in army we have a friend right who who who who kept talking about bitcoin


so so how how if let's say you were going to invest right then uh how how long would you


cause uh I I also recently like like uh started to dip my toes into it to investment lah like cause uh in army right like I think uh people around my age like they will start to like, plan for the future then they will start to think of [orh] uh financial freedom then everyone is into


uh, trading forex uh shares, so so uh I also just started then I I recently, uh, use my savings that I've managed to save throughout the army and started to


put my money into uh, shares so, uh I, I've picked up like a few, uh basic, basics uh tips and tricks online which are all free and then


it it it kind of, allowed me to, learn as I go, so I one of my strategy is that I I I I use, cause I I read up online right like like let's say a strategy works fifty percent of the time so so even if you


and then with proper risk management and, for example your risk reward ratio is like uh one is to three so let's say you you win one time and you lose one time, even, in the long term right you're still able to, to profit out of it lah even though your risk reward ratio is damn low


and and it's I think it it works lah so so, uh one of the strategy that that really helped me starting out, uh investing is is learning how to manage my risk, so for me I I set my risk around like two percent of my my


my capital so, uh if let's say, the price of the shares drops, like more than two percent right, then I'll just like cut cut off my losses and move on to the next trade, which I believe, uh which which kind of help me so far lah


uh no I I'm doing uh shares, ya, uh I've I've been, investing in shares from the, new york stock exchange lah so like, US company stocks like, like like PayPal, uh et et cetera ya


oh how how's it now like uh, at the start right like uh, uh when I I I decided to use like real cash instead of like demo account cause I I I feel like using demo account it doesn't really, it it it kind of helps you to to like test your strategy but ya but but but I feel like it doesn't really like like trigger the


the the mentor, like like how how how you view your your, losses so at the start of trade when at the start when I when I started trading right like I, whenever I see like the stock price tank like like drop like really low right sometimes you will you'll get the emotions ah like oh I I lose so much money oh ya


this this kind of emotions won't be felt if you use like demo account, cause demo accounts is like fake fake fake money right so so you don't really feel, feel all those all all these emotions so, when like like for the first few weeks when I started uh


like trading trading shares like I uh there were ups and downs ah like so sometimes I I I I'm able to profit throughout the week then in the subsequent week, the uh, the my trades are uh, in a loss so sometimes these emotions like like


it it kind of trigger, uh me to, like, not think properly and then in a execute wrong, uh, actions on my ya execute wrong decisions on my trade lah which uh somehow uh backfired sometimes I should have just like uh kept


like just just hold it lah cause cause it will, like, it will it it'll roll it, manage to rise it rise up, and, and but then I already sold it off lah so so, then through through that mistake right I I I manage to like like


learn how to like keep my emotions in check, like try not to to trade with all these emotions lah like like, instead like try to think rationally, to to, so that I won't just keep uh, like like losing out all


just because of my emotions doing all the decisions


have you have have you like because cause recently when recently I was with my friends right then then they were like talking about some uh investment stuffs then they they mentioned about like err S, have you heard of StashAway but if if I'm not


so so so my friend like like okay I I have got this I got two friends lah like so one talk about the the pros of, StashAway and the other was like, like saying like ah he rather not use S so so like the guy who told me to use StashAway he was like telling me oh uh S like is like


a group of uh people who helps you invest in invest your money so every you can just put your money inside right and then, they'll help you invest your money and then, throughout throughout the two months that he had put, in his put in his money inside he was able to earn like a six percent seven percent return on his investment


which, which is like !wow!, is is it like high lah like basically you just put money into that just just let let people invest for you which is like, uh, at the point of time when he told me that I I thought it was like too good to be true lah like like !wah! you just dump dump in your money there just put it there, and [orh] rose six seven percent !wah! that's that's that's really good and then uh not only that you are able to like uh just take out your money anytime


and and in my mind it's like isn't it like uh, wouldn't it be like a bank you just put in your money inside then then !wah! even better six seven percent !wah!, #syiok syiok# then at the point of time I was like !wah! okay maybe it is worth considering using S


but then like uh, , I I I also felt like like it's too good to be true so so I I've never really I I like, scratch the surface and did some research on about S lah but then uh I I felt like


it isn't something that I would rather cause I I don't really want my money to be, to be invested by other people I feel like uh if if they can do it I might as well as well I also can can try to to learn and figure it out ya so, my other friend right who who used S he he


he he bought in the idea that [orh] you you can just put in your money and then uh, you can just just earn six seven per cent, from from from your investment but then he he he in the first first month he lost like uh


like, eight dollars which isn't a lot lah cause he he put in like small amount lah then then, then subsequently he realised that oh it is because the the things that S invest is like, it's just, like like those few, and then the only thing at that point of time which allowed S to to


to allow investors to, earn the six seven percent was because gold gold the commodity gold was was rising ah , whereas the others were were just tanking and then they they never really changed it, and which is which is, why I I feel that they're uh sometimes like letting people to


letting such services to help you invest in isn't something that I I am unwilling to, to take part in and I feel that uh eh I would rather like, uh put in the time and effort ya put in the time and effort and learn how to


like pick stocks and stuff, so so so what do you think about like uh, like people, investing for you or like, like robo advisors


I think dollar cost averaging from, from what I know is like uh, like, you try to average out, the cost of how you how much you spend spend on, like for example a stock, so cause like like stock fluctuates in price right so


I guess like for example in this one the stock price is hundred dollars, and then oh so you bought it at hundred dollars so the cost of it is hundred dollars for one share, then in the next one right it's like, uh, say seventy five dollars


so so you you basically got two stocks at hundred and seventy five dollars, and then in the following one in the third one right say it it it drops down to fifty dollars so, like some somehow you feel like oh your value of the stock has just uh


like tank like you're losing out right but then you wanted to average out the cost of how much is invested so you , you kind of uh buy that fifty dollar, stock and, ya then then even, ya hoping that the the share price will will increase over time and you have already average out your cost


uh I I I think, I I've heard of it, uh but I don't know anyone but like like uh particularly lah but but, it is one of uh like, strategy that that I hear people use cause cause they they're investing in in like the long term long term right like like say five ten years so so share prices will definitely like like go up and down


so so they use dollar cost averaging to to average out, the amount of, like like the cost price that they have uh invested in so that they are able to, I guess uh get get better returns ah instead of like buying it at a


part three negative experience


goosebumps ah, like uh, I I I think the the the show that really give me goosebumps like like, cringe right is uh saw have you heard of saw, ya, ya it's like damn is is really err gory and and


like sometimes you'll just see like needles poking through their body like like diving into a pool of needles like strange ah just to find a key which is like oh my god I I I cannot take it like I think I think for me right whenever I see like someone get uh like some injury like which involves like blood or anything


uh I I have I will have this like like very I I don't know how to, describe this sensation but it's like very it's a tingling sensation and and it kind of like like throw me off sometimes and and it's very very it's kind of uncomfortable lah when when I


when I when I see such things like like like broken bones like like bloody things ya


uh I I I think is this there's this there's this guy like bad guy lah I think he's like mentally ill or some he's ill or something then, he managed to pull through from his, condition I'm not too sure, then uh he decided to to find people who


are able to, survive lah through through those uh, gruesome gruesome like, like, ya experiment so if they pull through then uh he can kind of like


this one I I I cannot recall actually but then, that I, I I don't recall the the full story actually lah but but I only remember it being very, (ugh) like gruesome


I only recently like watch it also


ya ya ya, I I I can't recall the the suction sound though but but I I do remember the device ah


uh ya ya, oh ya that one that one far fetch


oh what are they , uh no I forget already


err speaking of movies right like like or or like just shows right like is there is there any like like shows that, that make you feel like angry, like spark these very strong emotions of like just unjust or angry


ya like like cause cause uh I I remember like watching like this show on Netflix right is like, I I I forget the title but I think it's called until they see us or something so it's like like uh this it it talks about uh racial issues ah so so the the the the blacks in in america right like uh they were


they were innocent innocent uh young black americans were were arrested and and they were they were trying to pin pin them for for the crime that they did not commit lah and then it shows a lot of uh


trip ya injustice on how and and it shows how how, how they treat treat uh the blacks in america then, when when when I see such like like, like scenes right I I always can't bear to watch the entire thing because whenever I watch this kind of thing I I'll feel a very strong strong emotion inside me lah and I feel like


like very angry very like like I I, don't understand like how can anyone ever treat, uh, ya ya I mean like like we're we're all humans after all right like but I I I don't understand like why how how can someone actually


uh just because of hers his or her skin colour, treat treat treat them the way they treat treat them the way they did in in, the show ah and when I see like this injustice right I I'll I'll always have this anger building inside me like like even for the recent black lives matter


like there there is always like a post on instagram right like videos articles about, about how how they're, mistreated in their country and and it it, it's always it always gives me this in uh strong feeling inside me


and I can never bear to watch finish the entire video, and I wasn't able to watch finish the series on Netflix lah, ya and then ya, and, uh uh uh no no


is it this would uh, elderly guy, ah ya ya ya ya ya I think I saw ya ya


ya ya I I get what you feeling man ya


ya we should we I I kind of glad that like singapore that I mean like we we we don't have such violence like that that is occurring in our country, as compared to to other country which, ya, kind of feel safe safer here ah


ya I I I I didn't watch the first season ah


but but I think I think it it talks more about like how she was being


I I I guess uh, I guess that's a that's a a unique view that I heard lah


I I I think like like like when someone like commits suicide it kind of like, cause a ripple of effect lah like cause, ya cause I remember my friend shared with me that that uh


like his friend right was in a relationship, so so I think they broke off for some reason, and then turns out like the girl right, like uh she she jumped off the building and then it's like in front of him


and that that is quite crazy lah I can I cannot imagine how how like what what what the guy is going going going to go through for the remaining of the life cause, the kind of guilt right is is you you cannot you cannot there's nowhere you can hide the guilt


and you will always live with the guilt for your entire life ah and when when I heard that story I, I it was, it it I felt damn I mean like my my heart felt damn heavy and it isn't something that I I'm willing to


to to experience and I feel that no one should


part two positive, experience so alken like eh this


have you ever like like have a travel experience right that that, oh my god like left you in like, like have a left you in awe like a memory that you just cannot forget, ya ah Krabi ya oh


!wow! !wow!


oh I I've never been been to uh that island I've I've been to Krabi but I never like like


oh full moon party, I think , ah ah ya [orh] oh party every night !wah! !wow! ya oh okay ya ah !wow! (hmm) ya ya [orh] ah ya !wah! Shiok ah ya ya ah ya wait got


the whole the whole stick never sprain


like like drive downwards lah ya, that's dangerous though


oh yes yes yes, there's the cheese one right then they help you make all !wah! ya ya


you you can easily just have a meal at seven eleven like ya


half naked


oh uh one like like same same as you like it was it was a trip to thailand lah so so it was, like uh , it was with my secondary school friends so actually there was supposed to be more of us, going but then like I think they had some like disputes among themselves so it ended up like just being uh three of us only so I mean like


I I felt that like, I really wanted to go lah even though like not many people are willing to go but I was hoping that they would join us as well so so we just decided to go uh, Phuket, was it Phuket ya I think it was Phuket so so I think uh


it it was fun because uh in a sense that, all the things we do right is all like cheap thrills but there was one particular incident like uh it was a second last night lah, so in Phuket so so we decided to like uh try out uh try out the nightlife over there


so so we went to the Bangla street so it it's like the famous night nightlife spot lah so, so before heading there, we we we got a like a bottle of like bacardi and and some red bulls, and I I


and some mixers lah and then we just drank in the hotel and then, I I don't know why I think it I think the three of us like was was able to just have, have fun over the smallest little things and then, we we got quite quite intoxicated then after that we went to we went


to the, we went to the club it was it's called illusion lah it's like one of the popular clubs there so, !huh!, uh secondary secondary school friends, ya ya then uh


you, honestly like like like it was really fun because the people there were like quite funny ah like, they uh it's like there there's different, different kind of people right so so it was really really fun when when that


uh the indians were were, were were club clubbing with us they were like dancing with us making weird gestures I mean like funny gestures ah and and and they were like pretty high also and then sometimes they would even like like light up a cigarette then they just offer you a cigarette over there like in the club which pretty ya it's pretty cool lah


ya ya, ya so so the the the main, like highlight of this right is, like uh after we is is what happened after we we got out of the club lah so we decided to to to leave the club cause like uh


we we kind of like sober up lah, then then we decided to head back to our hotel but on the way back to the hotel right like uh some some shit happened so so it uh some context was, it was drizzling lah so so there were like light rains


then as I was leaving the club right I was like kind of high I was like smiling for no reason right, sort of like smiling at like, like, just everywhere I look but I accidentally caught an eye of a lady


holding an umbrella she was like dressed in a white dress and holding a like a transparent umbrella, with with her heels on lah, so so I accidentally smiled, at her I then she caught ya


she she caught the eye contact then I'm like oh shit okay so so I was kind of like intoxicated then then she came over and then then she like, hi then then she had like small talks with me then then like try to get get like my my phone details and stuff


for and !huh! sorry, uh is she what, uh ya she she asked me if I had line, then I told her I don't use line then I then she she she she asked it


I told her that I only use instagram lah then she she she asked me for my instagram and stuff, then for some reason I don't know why I I decided to like [orh] just just exchange lor but but I didn't gave her my my my main main instagram account lah so so ya I think I was quite lucky I did that


then anyway so he she started to small talk with me then uh, uh like subsequently like asked me if I wanted to have sex, then ya, no in person she was like standing there she was talking to me she was like holding my arm then she will ask me uh after the small talk right then she asked me if I wanted sex then then she she she then like offered like oh eight thousand Baht


then I'm like , in my mind it like I had no intention all I just wanted to do was like just just like, I I I, I can't recall I I forget the conversion rate but then he she offered eight thousand Baht then , uh she then


I I I told her no lah like I didn't want to then then I I kind of felt bad that like I accidentally caught her eye then ya, err I I I just tried to walk away but then she she she kept holding onto me then my friend was like further down already they were further down the street already then they they realise that I'm stuck with this uh lady talking to me


then then I tried to like smile at her like tell her eh no it's okay sorry I I no I'm not I don't want I don't want but then then she keep asking where I where where's my hotel and stuff, and and keep uh, asking if I I needed like sexual services ah then uh I I


uh not going to lie she's quite attractive and but then I I I just wasn't down for it lah then uh she she kept in asking for it then my friend was trying to get me to walk away, so as I was trying to walk away right this this lady was holding the umbrella and trying to block the view of my friends so I couldn't see them cause like she noticed that my friends were like calling me to to to just leave lah then I think from her perspective is that my friends were spoiling her business


so so she use her umbrella and just like try to block the vision ah ya, uh but but you I I I think she just tried to to to block lor like like she tried to like position herself then then block the umbrella like so I couldn't see my friends ah then


then then uh my friend like decide to like uh try to drag me away, but then she she got really angry then then she she she was like angry at them for spoiling her business then she she was like she was like shouting at them then I like I suddenly like fully sober up already like oh then then she started to use her umbrella to whack my friend


so it whack it whack his head lah then, ya then then his specs like just drop off then it it kind of broke then my friend was, my friend is quite muscular one lah then then he like very hot already like !wah! damn angry already but then he also don't want to like like get into trouble lah cause all around us is all


like uh , uh the the locals the thai locals, ya the uh ya so so we were worried that if anything happened right we are we are only three people lah then then okay like my my other friend like tried to like like like cool him off and then pull him away already


so so the moment when she hit my friend right I like !whoa! !whoa! !whoa! what !whoa! hold up hold up then I tried to like tell her don't hit my friend like like she she she hit a few times then after that like I grab a I grabbed hold of her hand then, uh I think I hold the umbrella then then she was holding the handle lah then then we we hold we held so tight that to the point that the umbrella kind of like bended then uh


I'd my friend shouted, for me to just run run away from her, then in my mind I am like, okay okay sorry sorry sorry I keep telling her sorry sorry sorry sorry then then in my mind it's like okay got to run soon got to run soon then when I needed to run it was like I I just ran ran in the opposite direction from my friends lah then I don't even I don't even know where I'm running so turns out I'm running


to the end of the Bangla street then there's a T junction right so at the behind the T junction is a is a beach lah, so when I reached the T junction I'd I didn't know where to go so I just ran to ran along the beach then I I forget I didn't realise that there was a tourist police station over there so


I I didn't even like dare to look back and see whether she was chasing me or not but then my friend told me that she was chasing me with the umbrella like !huh! !huh! !huh! , is like all the way sia then I was quite scared lah but but not going to lie it was quite a quite a crazy experience ya


so uh , basically I'm not into uh, I'm basically just just trying to dip my toes into uh like investing ah uh because, only recently I start uh, having more time in my uh


more time day to day lah uh more free time so, , especially in the army when there's like nothing to really study ah so I guess try and pick up investing lor so now I have to I don't have a lot of uh knowledge on uh any investment strategies


but uh basically I'll try and, uh I'll look at chart uh specifically uh for me it's like couture uh at the uh like like the price of bitcoin so


I look at the chart I see the uh moving averages uh from uh specific period of time, then uh, actually I have like a low risk uh kind of a, a risk appetite lah uh around like five percent like that, then


one thing about bitcoin is that there's a lot of uh it's very volatile so, I, I tend to see a hype from media lah, I would basically if my friends are asking me to buy bitcoin


uh and like the news is talking about bitcoin uh it's probably cause it's doing very well right, ya ya ya so, basically


people talk about bitcoin when it's doing well so, I feel like, uh just generally when you should start uh, waiting for like a like a drop ah drop in the uh bitcoin price lah cause it it'll it'll reach like a point where it's like it's like a bubble ah


and like even now right uh ya lor, so I I I I I won't go so so in depth ah but, basically it's like uh, I'll look at the current uh like like hype and like uh media and then I'll look at charts see like basic uh averages then I will


either sell or buy lor ya that's about it ya then in the future I think if uh


if I'm more interested then I got more capital when I when I start working and stuff then I think I'll be uh, I go more in depth ah then just [orh] I buy when everybody is like, not not interested in bitcoin when it's doing very bad or like uh sell


when everyone is talking about bitcoin that's uh like my investment strategy lor, and it's uh because it's very slow it's like more low risk lah ya lor


time frame is probably, because uh, I don't really is is like I am not looking at, uh, the prices for like day to day right so


I generally like just , put the money in and just like wait lah , then like, I also not going to like take out all my money, take out like all my investments , ya like immediately then like put again, just like uh ya lor


like time to time lor then like maybe in the future then I'll start like uh sitting period like like specific periods where I want to invest and stuff lah cause now also I also don't know like when I should invest you know what I mean


cause I also don't know like , much about ya, ya lor that's about it lor you you leh


it's good that you got like some got one limit lah like, uh it's good that you have like a , a limit that you uh you limit yourself lah, ya lor is is is quite


uh got your your basic instinct is like to, you know stick to it then like, you'll come like you'll come back lah in the in the long run, but then it's like uh


ya lor it's like you should learn to cut your losses lah , cause that's how ya lor ya ya, [orh] so so ya so you were saying like your your risk appetite lah like how come how come is like like what what what what what is it around


like, let's say ah like for forex ah, like for forex ah cause you're doing forex now right


ya actually, uh when I was doing, because I uh there's a period of time where bitcoin was just starting out what then ya it's around six k uh U USD ah, then that was like when the I I felt like bitcoin was like starting to


become mainstream lah before that it was like uh, , like uh, uh how to say it was like a very foreign topic to a lot of people ah, ya then uh but then


I felt like it was uh I don't have the, as in I I I don't have the, , maybe the time ah or like the, like effort to like go and look at uh, the chart like the the price charts everything like so constantly


so like I always thought like what if it's like uh since the the the price of the bitcoin keeps like uh very volatile right, , why like why not I just like automate it lah like to to sell


uh at a specific price, then buy at a specific price you know what I mean, like a bot lah, right so, ya lah but I I I I I I feel like quite hard to bot to find this type of bot lah cause you've to you're you're you're basically like


uh trusting someone with your, your capital lah like someone that writes the the programme, with your capital then, ya lor I mean I it was it's just a it's just a thought lah I don't know I don't know if you got you know, what


uh automating like your purchase your purchase and all


control your own capital ah


I haven't really considered the, uh, using something like that ah cause, uh I feel like it's something, although is quite low cost ah cause


you're only giving them your, capital like and a bit of your like some some service fee ah, then, usually there is a, return but at the same time it's like


not guaranteed ah so, and then it's like very easy to use cause you just, you just you're literally just uh, giving them your money then they're doing the work, right but then it's like uh


, at the same time it doesn't guarantee uh any returns, so I feel, obviously you will I'll feel, I won't feel at ease ah with someone uh someone with my, uh


with my money and my capital ah, ya you know what I mean, cause I'm I I'm the one who, if I if I lost it myself, at least you can learn from, uh , my mistake lah then next time I can


you know, correct that mistake I'll just do something else lah, but if it's like, I give it to someone he he loses the money, uh what's the point in like, I don't I just I don't learn anything ah I just learn not to give people my money ah


ya so basically it's just like, uh, I feel it's a bit irresponsible lah like you just anyhow give people money, then see whether they make money or you, lose money ya that's all lor so uh


you you were telling me about uh dollar cost averaging cause I I don't know about that lah so


but you got you know anyone that has has done this before or not


no I was thinking like uh they probably you probably do this type of thing is like if like you are


part three negative experience


what like you recently watch or uh read that you give you goose goose bumps ah


ya I I didn't watch also


but it what what's the actually I want to know what's the, the like summary ah without spoiling ah cause I I I actually wanted to watch


ya how come they need to wait wait how come they need to go through these experiments again


ya I want to l want to watch, ya okay lah uh, I also can I also can I also thought of a, a movie ah I watched recently uh, , cause recently uh inception came out with


uh their new movie ah uh, as in they it rerun reran in uh cinemas, I don't know if you know do you know, inception you know inception right did you watch, ya then it reran


and, I remember I was watching it when I was young, uh cause it came out in two thousand ten, I think its ten year anniversary already, ya, which is insane lah I thought, I didn't know I was that young when I watched it


ya you know what I mean then uh, ya and it was and it's really really good in cinema cause the song uh, , the sound design is like in like really damn good like actually like,


they put a lot effort into it lah cause it's a christopher christopher nolan lah, I think the the plot right, combined with the


the music right cause the music is like, for me it's nostalgic cause I remember, I love I I I even though I I watched it when I was ten or eleven or twelve or something like that, but


I didn't understand maybe like forty percent or fifty percent of the movie, but I I still I still thought it was very good, ya, so uh


I remember downloading some apps right to, uh, uh do some like I remember there's this app that cause you know the in the in the in the show the the plot is that, they induce your sleep right through a like a device right


do you remember like they put something on your wrist then there's the like the you know that sound the suction, ya is is like it happens throughout the whole movie ya the whole movie the sound is the same one then I remember


I I remember thinking then right it was it was possible to do something like that cause, it's quite realistic right like it seems possible right, you know what I mean, uh to induce your own sleep and then control it


right, ya then but I think the the the the , not so believable part is that you can like you can, combine your dream with someone lah then you can see someone there also lah, think ya then that one was really like farfetched lah so


that's why I I I remember they they had this app right, that uh, that you can download off the app store the last time I got iPhone lah then uh, I remember you can, you can pretend right your phone is the


the machine that induced like the sleep, ya so when you press right, then like the music you know the, den den, do you remember right like the the the the music is like, super dramatic one


then like it, damn ya damn loud one then, I remember uh uh, ya lor I remember using it very often before I sleep, to try and induce like sleep lah but it didn't


isn't it didn't really work lah but then it's like, I feel like it's very uh nostalgic from uh, to watch again, so when I watch again right the the plot plus the, cause the the plot is really like very honestly very interesting right


I don't know if you can recall lah I don't know when you watch lah, it's like got twist one ah, then plus the music ah then plus the the like, nostalgia right like it's just like, uh [orh] then also you know that that uh they use this music the like this french music


to warn, uh to warn the people in the dream that they have to they have to uh wake up, do you do you remember like they played this like, french music in the background when uh , they have to wake up from the dream


cause you know they went into a they went into the dream in a dream in a dream right, then they they play this music to let them know that, that uh, they have to wake up cause they were they were combining their, , they were they were combining all their


uh like wake up like wake up uh, you you know what I mean right like they they in the plot is like they have to wake up all at the same time, ya then they play this music, for everyone to wake up like to signal to everyone that


you have to wake up lah, then ya that that specific music right I remember, is like uh when I went to, some study camp, then I remember they told us to think of a place


uh that is your, like is your power state then like you need to think of a place right, so you take a deep breath then you uh, you take a deep breath then you think of that place that makes you calm, K then


usually is think of like the music and the sound so I remember I always use this specific music right, as my calm place, ya then it always works ah like whenever I do something I'm going to, uh


ya I'm going to do something, very uh, like nerve wracking right then I'll think of this special place then I would think of this music, ya, so that's why I that movie really really like, it gives me like goose bumps when I watch it especially in cinema


which was very recent ya


any show that make me angry is it


ya uh no lah I I mean, ya actually it's true ah I, there's a lot of videos on uh especially recently like people are speaking out , against uh like police uh, violence ah you know


especially on uh african american people ah like black people ah, then, on a lot of those videos ah like, it happens so often eh [orh] there's one time when I I really got uh like quite disturbed ah like


I actually felt like quite like actually angry ah, was like when uh they had the, the BLM uh protest right, I remember there there was a


, like there was a group of police uh, in riot gear ah, I don't know you I think you probably saw this also like they they they were in riot gear, then is uh like state, uh, like they're they're they're like police then there's like some uh some soldiers


uh from the army lah, and those soldiers are like supposed uh to be there to uh, like, protect lah against uh any like, ya uh, and the thing is like


uh, when I I saw this, I saw this grandpa right he was uh, like this damn damn uh really very old uh, uh uh


elderly guy ah he was, super frail ah I think like super frail you can see it visibly ah, and then he, some police guy right went to go like uh , someone in riot gear ah they went to went to push him sia


then, he fell right, like he was just you know like he cannot move very fast what so he's like in the middle of this entire group of riot uh riot police, then obviously, it's not like he's doing anything wrong like some public property like property then


the police just don't like don't want him to stand there, so he just push him, then he when he fell on the floor right he hit the back of his head, then you can see the you can see the blood like coming out from his ears eh, I don't know if you saw that ya you saw that right !wah! I thought that was


really really messed up because he he's not even doing anything wrong ah in the first place and then this, I don't know what's like what's the point of like pushing someone that's not even, violent you know what I mean then I remember like


uh like the policemen around him right, they were looking they were like quite shock lah cause he just felt on his head like super loud, and he's bleeding, then there's like one or two uh policemen around him like visibly like, you can see that they're uh


they're like concerned ah cause who wouldn't be honestly, but then the rest of the policemen just like walk pass, then like once they once once they see like, their own uh, like policemen walk pass right


uh then they also call like follow them just walk pass, then the only person that stop is the , the the troop like the soldier from the army lah, he stop then he help him like !wah! I felt it's like !wah! it's like


I cannot believe this is a like, this is like basic basic like human uh, you know is like basic human nature like to to like feel, sympathy over someone that is like


damn old and like dying dying in front of you, ya don't have this type of thing ah


okay just now you were talking about Netflix right, uh, actually got this series called thirteen reasons thirteen reasons why right, oh I thought it was, it was very dark but then the thing is like


it actually encourage people to commit suicide, ya as in like she's just giving reasons why like [orh], like , why she committed suicide what, cause the the the the I I don't know if you watch ah


ya it's like she got some, uh uh, she got some like cassette then like got all the reasons why like she


like commit suicide mah then it's like you also encourage people to go and, do this type of shit which I feel was uh, quite messed up ah even though as a, neutral like viewer you feel that is interesting ah


but to someone that is a, like maybe like depressed or something, it's like if they give you giving yourself uh like, uh logical reasons why, like, you should kill yourself


ya lor as in, I I I'm not saying it's like not it's like her fault


uh like with a eh viewers right, uh like, letting them know that I I like indirectly show that, uh suicide is the, , way to deal with this


like, problems that you face you know what I mean, ya lah I mean I mean it because I I I I read online I read online like


it indirectly caused like a, small like I think a small spike in like


cause you were talking about nNtflix so I just like oh okay, ya ya ya so ya ya ya it's just


part two positive experience


uh, the few times that I, I really remember and, I I really enjoyed myself ah was when I went overseas with my friends ah


and obviously that those type of uh trips don't come that often, cause, uh only recently then we like uh just finish poly or like during poly then we can go, mah, it's not everytime you can go cause, it's quite expensive ah then my favourite uh


my favourite country that I uh like uh, most memorable country that I visited was, uh thailand ah Krabi, ya so, basically it was a, with my poly friends


and we visited there cause it was cheap, and it's near us ah like very very near it was like maybe four four five hours uh flight, then, wait I think it was three or four hours flight ya it's damn fast


then uh the the the the the plane ticket was like maybe hundred plus only, okay, for to and fro, ya so it's damn cheap ah I remember I remember I took like I remember I took, uh scoot


and scoot is not bad like really not bad ya, then uh !wah!, basically we we stay in a lot of different where we stay ah, we didn't stay in like very nice places because obviously we uh


we, quite well we're on a budget lah, then, but then we we always stay in like a five room place then everybody can squeeze together so it's like around because it was four of us, then uh


I was only friends with these guys for like one sem ah which is like six months like that, but then it was, damn fun lah okay, uh we, okay my my one of my favourite things to do then was


to ride, uh scooter everywhere lah, ya so you know you know what I mean it's like it's quite funny lah cause if you go there right I I I I thought the one of the most fun things was like just like, go on a scooter then like zoom zoom zoom, then


uh basically we drank a lot lah cause uh, is like damn cheap there ah then uh, we also like uh visited


uh uh this, uh, this mountain right cause we okay we went to this okay Krabi has this island that is very close to it it's called Phangan I don't know if you know, to Krabi right


okay so got got this island called Phangan lah which is like I think is Krabi is the closest to Phangan lah it's a island off like thailand lah, then basically it's a it's called like a party island like, then these people go and just party ya ya really really like all the white people go there ah then we went there for


for fun ah like as in just to like experience ah, then it's either that or #koh samui# lah, then I think next time we'll go #koh samui# lah ya cause try something new ah


uh during at Phangan right we went to this uh it's a super small island lah like really damn small lah like, think like half the size of, like singapore ah uh like one quarter of singapore or like some shit


ya or what like half of singapore lah, they always have this uh full moon party, uh it's called a full moon party


so there's a full moon every like every month right, I think ya then then uh eh is it, I don't know lah whatever lah basically they'll have this festival right


uh during the full moon, right then uh, is uh is like the whole island right will be will be celebrating this festival, then this party then the whole island will be like partying partying partying


ya then the festival is also free, then like uh if you're on the beach then like got a DJ then like, everybody just there like smoking weed, and stuff ya ya, then like everybody like damn high, ya then but it's all white white people ah then


basically we that one is ya that was damn fun lah, uh it was sort of we but unfortunately we didn't go ah cause it didn't fall into our like, schedule lah cause it only happens like rare uh during full moon mah, so we didn't go then uh what ah


, another thing we did was like we went on this mountain right, uh we need to take the scooter up the mountain then the the slope was like, damn steep it was like