knows in singapore life is everything is not enough now everything is not enough ah, so when you do two job people say !wah! you're working so hard ah no time with your family all this and that, working extra means you have to find extra money but at the same time you have to find extra extra extra income for your family and extra times you know how to juggle your times but all these people always talk negative ah very !aiya! like want uh you see sometime I also uh


, they treat us unfairly they treated us unfair uh unfairly at work, you see ah !wah! this one not do good !wah! this one, got got got got promotion easier this one people do good things the promotion later later !wah! this one is from long time ago lah


it's all all all all the same thing lah, so you want to share what


ah sudden in my life ah [orh] err uh, there's one episode with my my my my parents which is I, I want to continue study but they don't have enough to pay for my fees so at that point uh during


part timers age requirement is very high so that time I I haven't got I haven't reached, that's uh certain age to work for part time not like this this this time round ah part time sixteen seventeen already can start work


so I tell my dad I want to school uh I mean want to, continue study he didn't say he don't have money so it's really, break my heart and I stopped study halfway I go for a job and I'm blessed that one of my cousins uh recommend me to this job then


far enough and fair enough I don't have any uh background of study very good study but I I get managed to go to this, government sector so from there I learnt I learnt and , I learn a lot


and I can't stay in office because I'm not, a desk bound person which is, square look uh wall I'm more to people person so I resigned I joined retails


and I love to interact with people which is I, can talk I know that my my capabilities is talking so I I I do retail I'm happy enough, I I I I learn, from part timers to grow to full timers and, then uh senior sales staff and then my last job before I got married to you before I give birth


okay uh my position was a manager so I'm proud to be myself that from scratch to where I am but, the bad experience that I have in between there a lot of people not happy with me they backstabbed me they they like


uh bad mouthed about me but only one person knows that I'm really working hard that I want to go further which is my supervisor, lah uh none others uh, I don't want to say racial uh I mean uh I can say it's a chinese uh lady was I'm I'm very close to her till now we


still keep in touch and I'm from nobody she guide me all along, to become somebody and I'm very proud of myself, that is about good thing negative things is I tell you honestly is is is all, people who are not happy with with us I mean with us when we are working hard yeah


yes correct


yeah correct dear, since we we we staying at HDB flat right now right what is the issue that we always keep awake at night ah


, nowadays the house ah not solid enough as old house the BTO the BTO flats is really like not sound proof enough


yeah, yeah it's about the rubbish about the people throwing here and there


neighbours but so far so good lah our neighbours it's just recently that we have a neighbours that just move up above us and the stomping the stomping but


yeah, yeah but that's but that that's the issue right that we're having like stomping every now and then but !aiya! as time goes by ah we will just also close one eyes lah where else we


stay also in HDB we complain too much also no point we are not the complain king and queen, but a little bit a little bit angry lah when we we already talked to the person nicely but they are still doing it they they are still making us angry despite having having the good conversations but it's okay lah


life still have to go on yeah, ,


(mmhmm) yeah that's,


(mmhmm), but I should be blessed that that, that our our our neighbours are not that bad as compare to other blocks which is everyday they complain about their blocks which is our block have really have a good community and and and


the bad things about get to know a lot of people also other neighbours !wah! they start talking bad about these people these people these people that's not good actually it's not healthy so we try to avoid that, and yeah,


do you witness anything and you keep quiet dear do you witness anything and you keep quiet do you have experienced that, yeah but initially I did lah I witnessed something but I keep quiet because I don't want to get the neighbours to get quarrel to get fights


but then but then, I cannot keep quiet also I have to tell someone ha because by keeping, quiet I've been keeping quiet I've been keeping quiet for a few few few few few times I mean few times I've been been keeping quiet but until one episode that I really cannot keep quiet I witnessed that I have to report report it because it's not healthy anymore see


!huh! cannot what some more ,


take jokes oh I don't like when people call me fat, then how [orh]


fats fats okay lah but serious I'm not fat you know but people eh uh excuse me you compare your single life and your married life, you've been giving giving birth for two three five kids of course for, womans ah it take times to to come down you know


it's not easy or normal birth or, sec then people keep on saying you are Gemuk you are Gemuk you are fat you are fat you are fat !alamak! like it's, it's really hurting it's very negative you know don't , (ugh)


nightmare nightmare ah nightmare , oh nothing ah but nightmare yes ah I think someone someone want to, I don't know cut or kill me ah kill me or something like that lah


yeah, , (mmhmm)


(mmhmm) (hmm) (mmhmm)


, dear do you your family or if your, if your family or your working people got treated you unfairly or not


(mmhmm), (mmhmm)


so so so there's one accident one incidents happens that making you really angry recently or long time ago but I understand, that recently that really someone making you angry I know who really really is in it it it it was in front of my eyes


that I made you calm but I don't know what happened uh after that, solved already but long time ago is there anyone make you angry any incidents make you angry long time ago, it doesn't matter your work or somewhere lah or your friends or


whatever is there anybody that you really make you angry that you you, can't forgive the persons or or something like that lah is there any


, no don't want lah] better don't share lah but I know someone lah but recently recently that someone really make you angry that I really


not only me few peoples also saw then few people say that the person really not doing good , to make you angry


no what I mean recently recently I saw what happens in our residence here, yeah so, (mmhmm) (mmhmm)


, so what did we okay so nothing nothing you continue you continue, (mmhmm)


(mmhmm)


so the so the negative experience that we have, past or presents right now we shouldn't think so much we shouldn't think so much about the past and the past and present now about negative we should think more positive right now rather than negative we looking forward for a negative


so the positive vibes that we have right now we can we can , bring in to our son and daughter , the more positive we are the more positive they become in future so when we we share a lot of negative things it will be turned back to negative so what we can do now since we already have a family so what we experience that we don't share with them


that is our past already so now we are looking forward for positive vibe for, for this to to for our childrens and for ourself also the best thing is the best thing we take this negative as an example


and we learn, correct, (mmhmm), the more we take the more heart ached we become the the more like


like that so when you reached at certain age when you already uh reach at certain age the more you mellow down already your, anger your, negative things you just want to go on with your life wake up see your


family think better, think future what you gonna do with your family that's that's that should be the way lah because we are already like in, the mid of our age there so to think back what past is past is is make us like


so so Sakit you know so like , pain like that so better we think better for our kids, correct, agree with me,


, till now lah don't know why somehow also some sometime till now when we think positive people still think negative about us I mean we, there's a lot of people still think negative but I just don't care about those people think negative still bad mouth mouthing about these people these people these people I don't care


my mind is now looking forward now, year twenty twenty is better year everybody is is like looking forward to be a better person and now COVID period also we have to think more how to survive how to become more healthy


, to to be a good singaporean not to go out so much well I I always stay at home lah rather than go out unnecessarily I also won't go out so yeah


so negative experience is, all no no for me so we looking forward for better better, in future, yes yes yes yes yes


positive experience, okay


okay but, uh what is your hobby, my hobby when as when I was a child, the best part of the best part of my childhood is


nothing much okay of course is holiday the happiest during a, child nothing much I can't remember my child maybe my uh my mum and my dad, bring me for holidays the most cherished is my mum no my dad I'm more close to my dad when I was a child even though I Kena Rotan and everything you see but still my dad not my mum I don't know why somehow I'm a daddy's girl


you want to share with me dear, but not much lah ha I don't want us listen so much okay


okay, (hmm)


with him ,


(mmhmm)


, , (mmhmm)


kay lah, (mmhmm)


okay talk about married so so now you're talking about marriage okay then, so we're already married so he already married you already married


so what what what what you're thinking about after married after that, after married what you're thinking okay okay before you before we married what you thinking


to get a house to get to get to get err to get uh to to start a family


we don't save up money lah (mmhmm)


that's why you you don't you don't you you don't saving up money lah that time when you was like single lah right , okay so then ah then when you thinking after okay okay once you want to settle down so what's your next step


I mean what's your next step after you plan you you you married I mean before you married you find a girlfriend definitely it's me and then after that what's your plan what you want to do to get a house to, to to to do to get a family to start a family


hard how hard, of course lah we can see right


okay so now we already married so the first move what we planned before we get a house we apply the BTO right where we we we we we staying at my my parent's house so we get a house we planned to get a BTO okay we try to get a bigger house we can't get due to our age and then we


we we we we make it, uh okay three rooms and then after that , we start saving from there since BTO we have to wait for, five years after five years and then we saving from there so we went to the bank one of the bank people uh says that Kakak you want to keep the money for what I say for renovations okay then you don't do you don't open saving account you try to opens uh what they call that


not saving account it's under under like three years I can't remember what what that's account can't remember, can't remember that account already so she she she really uh very very good uh as a personnel she she working in a bank she she says that uh open this uh account then you can save up for three years once you you want to take out the the money you have to pay like certain


fees so within that years we save up the money we buy uh fixed deposit yes then we save up the money until we reached certain amount we leave out and then we, go to I mean we find err, I mean renovations people and then we slowly slowly do our homework see how uh I mean we do our part before we get marrieds we we we really strategise everything


we then that's where we start our


(uh huh), no lah ah I, I, being a millionaire is yes everybody's dream but being a millionaire sometimes also you stress because you don't know where to keep your money people will start looking after you look like uh want to start to borrow money and people will start have the aiming to look for you it's it's not easy being a millionaire


I I feel that as long we have enough to survive in singapore we are blessed we not too poor we not too rich we're in so called okay, we still survive we have a roof we have a roof to to to stay we have a clothes to wear we have foods to eat I'm blessed


and yeah uh I I I say I should proud of you since I'm not working since since we have our sons I'm not working for like ten years nine years ten years I'm proud that we we really strategised our our finance very well


we we we still we still go holiday dear we still we still go holiday ,


give back society, that's what say give back society lah, eh dear let let let me just tell you something doesn't mean you being a millionaire now you want to help people we already done our part right now we volunteered a lot of things we we done a lot of volunteer we we we help people we need not to show people what we are doing this is between us


so doesn't mean you are being millionaire sometimes you are being millionaire also it's like everything you are happy being a, moderate people like us also we still happy we are still helping people even though we are not we are not enough


so I can say that I can say that to simplify to simplifies everything we are blessed of everything, it's not too rich not too poor we are happy we have a family we have still go for holiday we still watch a movie


together we uh I I can say we we you bring me to special event concerts best surprise I get from you is uh small little birthday gift I'm happy when you surprise me with little flowers , yeah I'm I'm I'm I'm happy with that


uh uh, we went to see love hunters remember the malay concert at esplanade yes, (mmhmm), I I can't remember lah I mean


, cannot never mind lah that one is uh don't talk, lah ha but we are happy lah, oh yeah okay lah that is really shock me lah hisyam hamid yeah yeah yeah yeah


(mmhmm) , so can say that we we are happy we're it's not that we are not happy it's just we are happy and certain things we, share we yeah uh I, can say that our life is


so far so good, we it uh the best thing in singapore when you have a roof, to stay, not everybody have the the the the the, the chance to stay they they they like from one's one to one house one house they they they moving


around so whatever everyday our life as long as long our finance really really we stabilise we keep saving, futures and everything we even though like ten twenty dollars also we put aside in one year okay one month ten dollars one year already hundred twenty we save bit by bit also it's still a money for us I'm I'm I'm blessed that


whatever you gave me I know what to do every month this this this this this groceries and everything yeah, and I'm I'm should say I uh I should say we I should say that, uh I'm proud that both of us we are people


person we are helping each other we are helping other neighbours we are looking after neighbours, you see we get to know our neighbours it's not easy being as a new BTO people everybody close door they don't know each other they don't know their neighbours


well but we did our part to help, the neighbours we go front first and then we get to know them we intro ourself and we are become like happy family even though we are staying in, BTO even our MP also says that they proud of us that we do the the the the the move first to get to know your neighbours and helping each other and the best part also certain neighbours that need some finance advice and everything we do come and help them we share with them and we we get


uh other peoples to help like uh some insurance agents you see we, we are helping lah we're helping, our neighbours and ourself also lah we are we are everyday we are learning something, yes yes,


correct absolutely right, correct


so every day you wake up you say feel blessed you are still alive and still seeing the world see all the people you love that's already one bless and think of positive every time you'll be surrounding with positive people you'll feel very good that's it


, so don't forget next next next next next next month no next two months my birthday so this year will be special a bit for me okay because since we don't travel far I get a little bit uh


a little bit uh more expensive gift , , special a bit ah special no no no no no no staycations ah


you've been promoted yeah that is a bless for how many years you waiting you waiting for that being promotion being promoted , I'm so blessed because every day I pray for you and one, fine day you tell me the good news that you've been promoted


at your job I'm so proud of you because you done you done a good job and everyone see that and that is the best gift for this year lah and it's for your birthday also you've been promoted this year I'm I'm I'm so proud of you yup that is the best surprise for you lah


like your son always sing this song right, I believe I can fly so papa you always can fly you can fly you can fly so whatever you dream you can fly


fly higher, yes fly higher, play hard yup


good, every everybody have their own family thing so it's just that


thank you so everyone have their own family so it's individuals how how you manageable your family, thank you


why you just think about positive thing then you want to cry no need to cry lah


[orh],


okay lah we're looking forward for travel experience again with our family hopefully but since COVID since COVID now we can't go anywhere anyway my passport also already expired so no point of, uh renew at the moment uh like I like the government already says that it cannot be eh go anywhere by this year so I no need to renew my passport


so but uh but I'm I'm really looking forward to go UK because my sister is there , and australia my cousin uh I mean my uh my niece is, there yeah I'm looking forward really really really looking especially my sister lah in UK I really looking forward to go there with the whole of I mean the rest of the family with my sisters my mum ah I miss my sister


subject to change Liverpool I want to go #man U# how I don't like Liverpool


(hmm), no lah I don't have any memory with my friends


yeah, school times is already so long already I I I, I I don't want to think about school school is school lah , but I'm I I like I say I miss my school friends but now everyone is like with their own life


their own family we hardly have a reunions we done once reunions then they they are all busy and now we don't have any more reunions for like two years already three years so ya and , that is the happiest reunions the saddest the saddest things that which is our neighbour passed away remember I can't help it


yeah that is the the sad memories lah that I can I can I can think of but happiest , of course with my family lah nothing much that's all I can say okay that's all


part one finance yeah okay mummy yeah


so next month, do you any do you have any plan about, how to manage our finance, no I'm not talking I'm not talking about november I'm talking about october october yeah so so please that yeah


yeah precisely that's why I'm asking you, okay do you have any, uh plans for our finance for next month october, for example like say okay, uh, dear can we save up for my birthday


in november so at least you see we can plan what we want to buy, maybe we save up for maybe your your birthday or maybe some, things that you what you want, for example you want buy present for yourself


or maybe like, you think of a staycation okay, then you tell me okay dear we have to plan this way this way this way, so you tell me lah what is your plan so ah staycation do do do you think that staycations a bit uh


a bit high for us to spend our money, to staycation or may be I think is the best is, we don't staycations lah, I will buy we buy something for yourself lah at least we save up we save a lot


!wow! LV bag ah, yeah


ah I see okay, err is there any, can you do some calculations about, the, staycations maybe, do some budget, okay you divide everything, so at least


we can save up our finance, for, the next month onwards, like for example okay so you divide yourself okay dear this one goes staycation this one is for, our uh utilities our groceries


or maybe our, extra extra things need we need to buy, or for example our son's things can you do that okay uh


I agree with you about that thing, one thing another another thing another thing that I can, request from you lah okay maybe we have we should start to to thinks about


our futures or maybe our, uh so called like see our next, next generation our our generation okay we are getting older, okay so


so so so, , yeah yeah yeah yeah okay you are right, okay so I'm trying to say here is, about financial right we do need, to buck up I mean to save


a little bit more lah, yes yeah because


well nowadays things is not, not not not not cheap ah you know ah everything is going up uh is not going down and then we have to think okay a lot of stuff lah I mean you know


a lot of things that we need to, save up then we need to think about it okay and then others others than that then we can think, in future if let's say these things is settled down


maybe we can go travel, yes you are right yeah yeah


yeah you you you you will be retirement one one day, kay lah I, I I feel glad that you have a, you know have a mindset about, settle and dealing in our financial, even though


see I'm the only sole bread winner in the family, I'm really proud that, you know you managed, to control and to to, take care of our financially, in order that we don't spends a lot of


stuff outside there uh no no no worry , don't worry you you you you will you will get you will get don't worry you will get that one fine day


one fine day one fine day you will get that don't worry about that, okay, yeah we are look I'm looking forward not you I'm looking forward to buy for you that, don't worry


uh don't worry I bring you go to Liverpool first, I will bring you go there first, then after that we can go to Manchester


at our F pen here is, err, got playback stop and submit, which one you want which one you want we we want we want to do, , for me I stop I I I do not know whether I have should should stop or should I


oh mummy haven't stop


I see okay because we are not aware that you say if we want to stop we stop and then thumbs up to you , okay so can we, can I press back okay


I want Liverpool jersey, can I see okay so (hmm) ah mummy okay can after we uh I mean we've been married


how many years back already right, so far okay what do you thinks our financial is is it manageable, no no no no no wait wait wait my question to you here is


simple before, before get before we have son and after having a son, in our life can you, tell me more maybe, I give you less or I maybe I you give you more


ah ha, you want more, I see okay lah I hope that I see yeah yeah okay okay okay


alright I understand there that now now I'm, thinking I have a feeling that okay in myself right okay , thinking about my retirement, okay I will be retired in another uh ten more years


ten more years or maybe nine more years, okay, so I'm thinking that, if if okay, if I retire, okay and my CPF money right so


I'm thinking to spend not say spend ah, I'm thinking to bring, the entire family members, okay to somewhere that I never went before, that's only the balance, okay that got lah


that one is retirement lah I mean, see we save up lah we save up, then uh, yeah the retirement money definitely it would takes times, to feel the money ah see so like if I have a income okay from the retirement


maybe we will go somewhere that, we never go before lah okay yes yeah yeah yeah yeah yeah he


he onlys he is only seven this year, and might, yeah lah my my my dream is, to build him up, okay to see him grow, to be someone


okay and I want him to, learn the hard way that, both of us have go through like , to earn a living is not easy, okay uh


I hope that he can manage his finance, financial when he grew up he he can be someone that not a spendthrift the person okay not like someone who like yeah yes yes yes


that's that's what I want, my son so , about the financial we are talking about just today right now, we hope that we can manage


throughout our journey, as a as a husband and wife, throughout the journey that, we can manage ah, okay we can save up, we can do, we can think what we want to buy we can think what we want


to how we want to save it's all uh depends okay, okay so, , you you remember that we have a investment


with one of the investor right, yeah so yeah (hmm) yeah yeah yeah yeah yeah like like like you see


I already have a plan for my retirement to go hajj with you okay alright so thank you very much


negative experience


, my negative


yeah I have a lot of I have a lot of negative experience, yeah yeah


yes negative experience people don't like the way I work, yeah, maybe, yeah yup


yeah it's true it's true


heartbreaking moment in my life don't want to say lah


ah I don't want to say I don't want to say, what been betrayed !huh! betrayer ha ha who betray


who (hmm)


uh eh dear I I I want, okay you talk first


I know it's true it's true it's true it's true it's true, yeah yeah it's true it's true it's true


why why why


ya ya ya


yeah yeah yeah yeah ya ya ya ya, I I want to ask you what is the sudden uh I mean sadness in your your your your your in your life,


, okay yeah your supervisor


excuse me


yeah so so simple lah negative thinking and negative attitude are not supposed to be in our life lah


right okay, I hope I hope both of us we don't have that type of uh, negative thought or behaviour in our life lah because


when when when when we do somethings something good people always think that we want to Angkat, we want


ha ha , no okay okay okay okay like what you say ah like you asked me this question right since we stay in a BTO okay what is the most


things, that I I always, complaining ah , , firstly firstly is firstly is about the, inconsiderate neighbours lah okay yes yes yes yes


yeah yeah yeah yeah yeah yeah yeah but like what you say lah like what you tell me okay remember there's times you come and, approach me you say <P2>onn</P2> we should have a positive thinking we do cannot say negative thing okay fine I don't mind the moment you say


yeah yeah yeah yeah yeah but, but I I I I


!wow! yeah, no you see ah like what you said like what you say ah in the middle of the night okay okay


it's not a song ah not in the middle of the night no ah in the middle of in in the middle of the night right, for example we are sleeping then suddenly this so called someone okay we we we we can hear that she or he okay I do not know he or she closed or slammed the door


as if like he is staying alone there is nobody around her and, the movement one point to one point is like a giant step, come on okay that's why I ignore that any day but


come on lah look lah people also need a rest, okay we they they they they, they never realised that the way that they make is really really terrible, sound lah for us lah


okay no, no no no no I don't I don't I don't I don't I don't


no lah, yeah yeah yeah yeah yeah


ah, dear do do do anyone share with you or maybe


uh jokes that you cannot take cannot cannot cannot take or what see you see like you can you can tell me uh one thing that you never take jokes about


ah I also don't like people to call me Tua, Buncit Gemuk I don't want that


yeah yeah yeah yeah correct


eh dear I I, okay eh can can can can can I ask you something do you have any nightmares, you want to share with me


cut you chop you , okay I have a lot ah ah I have a lot I have a lot I just share you once only lah ah I have a nightmare, really scared me off when I was sleeping at my workplace


okay uh a big and a huge black man standing in front of me cover my face press on my chest uh, as if like you know don't want to give I yeah stop me from breathing uh I don't know whether he want he or she want to kill me


that is my worst nightmare ever and ever I cannot forget that the moment I stepped in, my place lah my workplace lah for the first time that is the nightmare until now come again


my family would definitely treated me very well especially my parents lah but


at workplace I don't think so it's fair fairness is there lah, it's not, lah I tell you lah ah you know my my my my shift and my, colleague


fairness is not there lah,


long time, yeah


yes of course, you want me to share or what you want me to share I can share I can share that, that person is someone I really care and I really love more lah


no if you you you if you talking about if you are asking me about person people made me angry of course definitely there's a lot of people make me angry the way that they treated me like as if like I'm a


I'm, yeah yeah yeah yeah yeah my, past my past, I have I have a lot I have a lot, okay when you do you when you do right, see when you do right


people say you do something stupid see, but when you do what what, see when you you know, when I tell you this is this is the way but you treat you you


reply back to me in another way okay and then at the end of the day the way you talk you really made me angry, it happens before it happens a lot of times but, I just keep it to myself okay since you want to make me angry okay lah I just take it ah


I just take it I just take it for like okay


yeah yeah yeah yeah yeah yeah,


yeah correct, yeah yeah it's true it's true


yeah of course I I always I always have in my mind that sayings, whatever negative thought in myself, I would put aside I don't want to take it I just


(hmm)


yeah yeah yeah yeah, yup ah of course I agree you think what I not agree with you I always agree with you


no don't don't don't don't don't don't have the negative lah, we stay we we we stay positive okay alright


positive experience, alright


I , what is your hobby,


yeah, okay for me (hmm), my happiest during child ah


I have a lot ah I have a lot yeah I can share with you, yeah yeah yeah uh happiest


during child is when I can clique along with my brothers, because that is the moment that, make me smile make me happy with my brothers


and there's one time we are still young at the age of, I'm ten years old and he is eight years old we are we are sleeping together our parents are working


so while trying to doze off, I start the conversation, I call my brother bro, what will you do when you get, older


so my brother say what do you mean, so I tell him lah, are you getting married are you going going to get married, so my brother say no I don't want to get married lah, very very very troublesome lah to get married ah that that and


then I tell my brother I talk to my brother I say my brother, look you should get married you know like our dads and mum okay, so my brother say no I don't want to get married it's trouble only blah blah blah blah whatever it is lah , so


I noticed something's outside the door there's a shadow lah there's a shadow and the moment my dad and my mum opened the door right we pretend, to sleep we pretend to sleep and then the next morning


my mum my my mum my mum my mum asked me ah what did you talk to your brother about married !wah! so young want to get married already lah I say no lah I


yeah yeah yeah yeah I know well


yeah yeah yeah I know when before married right I feel you know, I'm more close, to my family, and I enjoy myself


going out with my friends go there go here play soccer, ah ah, fishing, and I enjoy myself uh ride there ride here whatever I want to do nobody stop so I don't think of


yup yup, so


okay lah, uh yeah yeah that that that's why I say okay, when I grow older right when I grow up okay I think wiser I shouldn't do this way


I should move on I should get married I have, to settle down okay with someone that I really, love okay to build a family so, to be honest with you lah kay


when I get married right now I know how burden it's not a burden ah it's not a burden ah how, sorry sorry sorry my uh sorry for my words , how hard my dad and my mum to raise us up so yeah so


as a husband and as a father, of two, the hard way, is you really need to put in like work more hard try the try your best


to make your family happy, okay in terms of whatever the facility whatever things that, day one you need to give


see to make them happy lah okay, so,


yeah


yes correct


fixed deposit lah


, yeah yeah yeah yeah yeah yeah, dear can I ask can can can I ask you something do you do you ever imagine that okay


if okay if our life, okay if our life like like a millionaire people, what you want what what what what what will you want to do and what will you want to


yeah you you you you know you know some you you know something no wait wait wait wait wait ah you you know something


okay if I to be a millionaire okay, one thing is is inside my mind, I want to help the poorer purple person, that


come again, yes I'm helping to the the person, yeah


right, that's right, yeah for I think I think yeah lah I think you know ah sometime ah


what what what what what what what what special concert I give it to you, no no that is that I know that is the we went together what is the surprise one that I give it


to you make yourself Shiok you sure you cannot remember, you you sure really I bring you I I bring you to hisyam hamid uh birthday party


uh uh that is surprise right, , see ah, uh so I only


, yeah lah I don't want that lah


yeah yeah


yes correct correct correct, everybody need to take part lah, play part, see so see like like like what you say okay


simple we need to have a positive thinking lah, okay, see if let's say we have a negative thinking right, doesn't go anywhere yeah if you have


yeah, yeah correct correct correct correct correct okay


what some more , yeah


sure, ah ha, you want your birthday a little bit as uh, special okay uh can can can can can can I ask you something in in in your entire life do you think


okay when I tell you that kay err, I have been promoted how you feel


yeah


yeah for me, that that that, that promotion, uh, it's a it's a really big big surprise for me


err in a way that, , yeah, that that that that is my dream lah that is my dream and that is


I will promise you lah I will promise you I will do hard think hard work hard, okay, uh play hard everything, for the entire family lah yeah


so nothing nothing nothing is better to have a family like, us lah like I to have a work, no I mean I'm trying to say here is nothing is the best is to have a wife like you and


my son yeah because, yeah, no no no no for me for me for me you are the best, for me my son is the best my family are the best also


my in laws are the best I cannot describe in words lah, you know I I I when I talk to you only a little bit about this happiness thing ah I want to cry make me down


no that that that's why that's why I say my positive thinking is I earned my own self okay, and like I tell you somethings that I achieve it made me happy for my family for yourself


okay (hmm) other than that , uh, oh yes,


yeah lah I can I can I can bring you


at, that's why I say that's what that's why I tell you, one fine day I I will bring you to UKs but before that we go to Liverpool first


, , ah no no no no no no okay ah dear you can you can you can can can you share some things with me maybe during your


your school times the memories you have with your friends until today you cannot forget, are you sure, are you sure really


(ppl)


oh me, ah okay how do you invest your oh okay ah, !huh!, !wah! I think it's uh part one finance


oh oh okay, !huh!, oh okay


ah I don't not really I I don't really


invest that much money I just have money and I put in my regular bank account uh I don't put it in any special investment, account is that okay sorry


well I mean like I let it accumulate and maybe I'll do like a little bit of, uh uh !aiya! forgot what is it called ah , ya ya ya I mean like not the regular interest cause the normal bank interest right it's quite it's very low I mean the


uh ya something like that ya I would I would do that but not too long I don't like to do those like twenty five years thing one lah I I don't do that


ya I mean I wouldn't do that but uh if it's ya I wouldn't I I don't think I would wait twenty five years that I don't know whether I'll get the money also, ya ya okay sure


uh I don't know but uh when you mean big ticket expenditure what, uh


uh you mean like what what would I why what what I what would I tell them lah is it, save money [loh]


uh I mean I mean like I'm pretty sure they're within their means in the first place right like if, you cannot afford it then uh quite not a good idea to do all these kind of things right like uh


ya I'm, no I mean uh can can can they even afford it in the first place lah and like how much is the income like how much is income then how much is their regular how much is the income then how much is the expenditure then how much you know spend every month how much can you save every month and based on how much you can save every month then you can


see whether they are able, ya but like you know if they can't then you know don't don't don't do it ah cause starting a family or buying a car or are always uh okay maybe not the house part lah but family or buying a car not really necessary here right


ya uh, ya but then , okay what I left out the house thing because it house and actually cars as well lah actually you can take loan lah true but uh actually family also can take loan yes you can say that


ya well actually even if you can afford it also I think you would still uh you would still put, I mean like don't want really takes out like ah okay I've got like one million dollars okay I'll pay in cash you don't do that that's stupid also right I think


you won't pay one shot so I think you uh find what strategies you've been recommend then uh then see [loh] like what it has the lowest interest rate or something and things like that then apart from how much is their income how much is their expenditure then if they're getting like


uh how is then find then what is the housing loan get the most affordable housing loan what's the interest rate they'll be getting from HDB or you getting from , uh any anything lah depends on what bank you could get from lah like different different banks got different uh prices and see what you are eligible to get or so anything [loh] car as well I see if different different bank how much they want to give for interest rate


ya that is for loan ah but then again I wouldn't like you say what strategies would I recommend like I wouldn't recommend that, uh or or pay cash [loh] who you'll get a car or like house in singapore that's like


I like crap wait you're hold on wait why would you do that, okay go ahead okay what I ask you oh no it's gone


okay, can


you okay


okay lah I ask you lah eh like how how do you spend your money, (mmhmm)


oh but those were like just small small things like what else you spend your money on like you really you that's all you spend your money on


ya like what, (mmhmm)


(mmhmm)


uh uh like what do I spend my how do I spend my money different things like, uh, it will everything will be reflected on the whenever the bills come but I don't really bother to see also lah actually I will just see like oh okay ah don't know how much is being deducted for


this card then this card then this bank this bank this bank and things and each individual bank then will have their own breakdown lah but then there's so many things little stupid things like don't really matter lah just now you mention things like sweets or what so what like uh I mean I'm not going to bother with that lah


but more of uh, I don't know like paying for house paying for uh paying for electricity utilities paying for ya groceries like you mentioned just now paying for food of course uh your your daily expenses your


uh, ya pretty much it I think that's all ya (mmhmm) so like, so but which expenditure is justified and what do you think you have been spending too much on


!huh! on what sorry really that's what you think you've been spending too much on oh okay what


ah okay okay ah okay okay ya ya for for like your vehicle and all that right okay uh so you have to pay for uh uh things like that alright okay so, there's also like other things that you have been spending your money on but I think that's those are necessary expenses right but so that's justified but


what, cause uh like which of your expenditures do you think is justified and what do you think you've been spending too much on


right, just random you know I don't know, nik naks is it like you said food and because but these are things that you need right you do need to eat uh cannot like, not eat right or do you mean like you're spending too much


you eat at more expensive places you eat at a restaurants more often is that what you're saying that you should probably cut down on that, alright !huh! !huh!, (mmhmm)


ah then it's okay what (mmhmm) sorry, okay go ahead go lah


(mmhmm) ya


uh I don't know I think sometimes it is necessary because people not everyone knows how to handle their finances right I mean I do have friends who like really quite broke lah then they took out


no the thing is I don't know how much a financial advisor will cost as well then it in my opinion I'm just thinking like oh, doing getting a financial advisor and paying the financial advisor isn't that adding to my finances I I don't know how much they cost I'm just thinking that generally isn't that like isn't that like just adding weight to my finances like I don't know


ya I I don't know this one is really I don't know I mean like maybe it's but but I obviously there if, they they wouldn't have offered their service right if if uh


it must have been something that is you know necessary then with they've got to find out the the person can help them achieve the goal and then they get more and what lah


ya it's to plan right [orh] , uh but I think to find at least also depends on like uh you said to plan your finances but you planning for what like let's say you maybe the person got got something in mind [loh] like they know they want to


uh do you want to have a certain amount by uh by the time I retire by the time I'm because I'm to get married because I want, to have kids then they do different things so they may have different, goals right so then then the financial advisor can help you with that goals to reach that goal ya so I don't know it depends on other people lah


can be like maybe you want to set up a company and then uh you need a, capital of a very very large amount and in order for you to get that then you have no idea how to you know go about doing that then


then ya I guess if you don't know how to go about something then well you need a financial advisor [loh] , ya


okay so what advice would you give to to someone to get him out of, debt him or her of debt, but like how to get them out of the out of debt


I I do I I know people who who do work like they work hard or but they still in a lot of debt or people who have a lot of different jobs but they're still in lot of debt, and people who do not work but they're not in any debt so


what advice would you give to someone to get him or her out of debt, good one , perfect ya exactly ya I mean like some some people may need it some


people don't know that, it, ya uh that answers the previous question though but like they all should, ya


ya so ya lor should I get and why or or what right back if, if you yup, uh, I would really not uh I mean ya of course lah with uh uh I'm not


saying that financial advisor is useless or what lah I'm just saying like some people may want some people don't want [loh] ya but a person is in debt then after that they don't know how to get themselves out of the debt, but don't know leh then if they get financial advisor not expensive meh


I know, or maybe got financial advisor for, I mean like let's say if there are like in heavily uh in debt then do they can be assigned to someone who would help them repay their bills or whatever lah this kind of thing but


I also if that counts as a financial advisor as well, of uh any advise about finance or maybe they can make like you know like they they they, make a plan for them then uh get them to be pay and make a loan with like low interest rate


but it if for me right if there's cause I ask you like what uh what advice would you give to the person out of in debt then you say get financial advisor right so I don't know for me what advice would I give is


, like first of all like what are your outstanding payment what what are your outstanding debts what do you have to pay okay I would I will need to know like and how much is like your interest rate right so how would I advise is based on all the things that I mean of course need to know


more what's going on first right like I I mean like I have seen people who who think like oh it's fine I'm going to pay my credit card bills I'm just going to pay my, uh minimum amount every month so they will pay the minimum amount and because


it's okay at least I'm paying better than if not otherwise I get late charge sorry, ya like I know uh uh people who are, a lot of people lah actually they they like that one lah they don't they will just


I see most people do that lah they they will just pay, uh the credit card bill every month to avoid like late charges and everything but, uh my advice I mean like just for me lah I think it's a I don't think it's a good idea if you don't make full payment every month because you'll get charged


like twenty four to twenty eight percent and that as if getting a personal loan is much cheaper than paying for, credit card bill but I I don't think people know that so I don't know, maybe ya ah ya ya can


(uh huh), now I don't , uh I don't manage my cash flow ah ya maybe I should though good question come to think of it I don't know uh


I don't know my you know you know that when you when you on your, uh now everything, is all digital right so when you log in internet banking and then after that they will put down there like, oh this is a summary of your


whatever your how much you, paid how much what are your expenses everything down there is it you don't really to like bother I think , like now everything digital it makes what !huh!


oh no I I don't bother that I don't I don't mean that I mean like you know when you log in your internet banking right it's just a normal normal bank, ya


part part three negative experience, alright, uh what is your biggest my bad uh


uh annoying people, stupid people uh, biggest pet peeve someone irritating me maybe, no uh ya what I don't know how about you


, uh people I think


I mean that's all I can think of right now I I don't I don't know, uh , uh, alright okay


uh, a lot of movies actually make me cry, I, can't think of now uh recall a scene from movie uh could


be like when I I cry a lot actually when I watch movies can, can be uh even if it's not necessarily a something sad it could be because it's just something that it can empathise with or so uh


I don't know I think I cry a bit too much actually , like ya yes I know, how about you cause because I think like oh he cry in sadness right I can't think of one right now but I do know that a lot of movies make me cry even though the movies that probably not meant to make you


cry I think I don't know how about you do you, , sorry


it's alright like the uh if you recall a scene, (mmhmm) okay yes


uh so it was, oh okay fine alright uh, I think I do recall like uh the cause just now you mentioned about , uh like a, uh about like death and all that ya ya now I can remember like oh ya a lot of movies will make me cry like that uh uh if someone dies it makes me really sad cause it's have I I think they have too many


that ya I I cry a lot and that's not really a good thing maybe , anyway can we move on uh, describe what you dislike about the younger or older generation


uh okay what do you dislike about the younger generation, too much what


oh ya ya , way too much ya, (mmhmm), ya oh ya that's true ya uh I actually do see this happening quite a bit like really it it's not that it's not true it's just


it's just, uh (mmhmm) , ya ya ya okay ya but you know it's uh what you dislike about and if you think about them as being naggy then uh obviously it's something you'll dislike I mean who likes it right I think


uh , I think generation gaps are pretty, different generations are very very like vastly different I see it if I walk I think it's ya uh like someone from a older generation a younger generation I think it's very very difficult for them to get each other


uh the younger ones I think are just , uh oh they like to call everyone to the older ones dinosaur dinosaur dinosaur all the time, uh which is


uh I think it's the it it the I I see like maybe those that are sixty plus they like totally cannot get along with the twenty year olds , uh I I mean I don't blame them really cause that it's it's a very very large generation gap right ya and they really don't get each other


at all because say everything is so digitalised now so obviously the twenty something is well of know their way around this like no problem, but the sixty plus something well it's going to have a lot of difficulty in just even using the phone and uh it's a bit sad I think because so like what I just said I think it's quite sad because they are not


uh, being helped to adapt either and uh and not just not just like much older ones like, sixty it could be, uh the in their thirties even the thirties uh like uh younger one say that you know twenties and all that they I mean definitely they would have a


uh, problem you know, and uh even uh you were saying about how old are they they they call they can they they'll, call the uh uh the thirty year olds thirty plus uh uh dinosaurs as well because


at least I think that the thirty years somethings, will be sort of like a bridge you know like uh they can get both sides sort of uh but , but even that to them is dinosaur because they want they they print things like the the younger ones don't print anything like that the newspaper there's such no such thing for them right everything's all


uh on a very you know black mirror, for lack of a better word uh ya uh, a bit too dependent but it's not a bad thing I mean, uh I mean it it is and it is not I think uh


being too dependent I think is a bad thing, uh that I think it need to have a balance, ya , so ya (mmhmm), uh anything you want to add on


(mmhmm), okay that is not about anything about the younger older generation right, ah okay, (mmhmm) so what do you think then about like the younger generation are they able to


do that I guess eh ya, , ya for sure for sure for sure


(mmhmm) okay alright, uh okay sure uh, (mmhmm)


worst travel experience I don't know about the worst, uh maybe , uh there are plenty of times that can be quite, bad uh, that worst I can't think of right now


but uh, I've missed flights before, more than one plural uh uh I, I I uh and you know it it, it's not a good thing obviously uh it will mess up your whole plan you know when you miss your your flight


ya, be it a flight to go somewhere or to go back because it would result in like having to find different accommodation or having to find like then have to make all new plans and if you're in a foreign country where uh you cannot speak the language


or you are, you know uh talking about that being dependent on, technology then, if you go there and you don't have a SIM card there's no wi-fi then you know that's it it's not like here like that as ya how about you


oh it's, (mmhmm) somebody stealing what


oh okay that doesn't sound very nice okay alright oh okay it's, so it was a like a robbery thing


(mmhmm) (mmhmm) (mmhmm)


(mmhmm), ah


it's like a snatch theft then like it's like right okay, ya, right uh I think the first question was a biggest pet peeve or what the only thing I could think of was, uh people I guess you know


uh, sometimes people are annoying what ya , alright uh okay ya alright let's move on, ya !wow!


oh this sounds depressing okay I feel like any answer would be depressing here, uh !wow! , ya okay uh something that nothing I do is good enough uh


off the top of my head or maybe uh if it's something I can think of now or might be something at work can I say that like , , doing uh, everything that you're doing everything that you're supposed to uh for me right actually I say about myself uh doing everything that you are supposed to doing above and beyond and doing things that are


expected of you and more and doing things that uh it's uh more than you should and and they just, uh may not appreciate it


so that's pretty sad you know sometimes that happens , uh I guess I I'm sure it happens a lot in a lot a lot of work really in every work I mean different different jobs I've been in it like ya uh it's happened quite a bit


or when people take advantage I think that's really sad uh as well, sadly people do that a lot, okay ya , but ya maybe at moments like that you sometimes do feel like uh you're not good enough


maybe I try not to let it get to me too much uh but I do see it being uh I do see others being affected quite a bit from it I don't like it but uh you know that's just how the world works ya and uh


ya uh some people them, well ya, how about you


ya I , uh, anything you want to add on or not and if if you understand right,


what ah, oh ya, it's alright it's okay uh let's just move on okay let's, say describe the embarrassing moments that make you cringe


okay just, you want to describe anything, (mmhmm) (mmhmm) (mmhmm)


(mmhmm) oh okay right that would be quite embarrassing wouldn't it so ya, oh !wow! really okay wait


(uh huh), oh dear okay so people saw it then, is it


alright that is oh and why do you even have leave it there I mean like why didn't you take it back, ya but like if you leave it like for everyone to see that


ah okay okay, oh god okay okay okay okay okay , right, ah okay oh by the, on the other hand you did not have to I I thought you meant like you had to wash it and then you like hung it out to dry for like everyone to see


okay okay so ya uh, that would be a really embarrassing moment that would make anyone cringe, ya okay sure uh, let's move on uh


describe a moment uh yup, ah !fuh! okay !wow!, these are really tough questions okay uh when the world is against you alright uh


uh, ya oh okay, oh okay oh if if you've got


no no if you got something to share why don't you because I honestly can't can't think of one, ya like what what like what you say right like well you've got a bad day and then I, a lot of bad things that happened to you


out out to get you ya okay and like ya something's when everything goes wrong and you feel like you know just the whole world is against you


right ya that that happens ya uh, for me I don't really feel like the world is against me I get but uh it's okay anyway, uh


what is the worst traumatic incident you've ever experienced in your life, !woo! !wow! !huh! , uh it's a most traumatic incident , I do not know and


oh, let's move on shall we ya okay have you experienced any loss in your life if you have describe your emotions at that point of time and how did you deal with the loss


uh, should I go okay I'll uh, you want skip okay, okay uh uh uh, uh


uh when they, treat you awful I guess I I don't know when people I don't, well I okay I was to give I can give you an example like how I said about people at work I I think that the the older people are being ostracised a lot


uh ah ya uh


part two positive experience


uh


food that I like I don't know maybe uh, food maybe nice good food, how about you [orh]


uh okay, (uh huh) uh, what are the sacrifices you've made that worth everything, uh I don't know what are the sacrifices that you've made that you think that is makes everything worth it


!huh!, !huh! what oh okay do you want to move on


no no no no I'm just saying like uh like uh uh maybe you can give an example of something that you think you've done that make it seem like you know well !hey! it's worth it


(uh huh) okay uh


ya but I mean like it's like what makes, uh, but uh so you're saying that the so whatever sacrifices that you've made uh the things that make make them worth it uh


uh what are the thing that make them worth it lah


okay lah then never mind lah go ahead , [orh] uh, I don't know actually ya I have no idea


ya it is a difficult question I have no idea really ya


ya, like the fact that you sacrificed must have made it , for something right what uh what are you even sacrificing it for right right ya


okay, , okay then never mind it's alright let's move on no I do not know I said uh it's a very difficult question I have no idea


ah right, uh, oh uh (ugh) , ya go ahead kingdom what what's that about


ah okay so it's a zombie, TV series, (uh huh) okay, okay, okay so what do you like about it


the show I mean, become what


ah okay so it's very like you feel like ya ya ya okay ya ya ya like you feel it's real and all like it's, it's like you know playing VR


peasants are what, (uh huh), okay so like the poor and and and the rich, that kind of thing right okay


(mmhmm), okay so it applies to your everyday life and modern life everything right,


I think it could be a metaphor really like like everything could be a metaphor, or because I think, ya it depends on how you interpret it I think, ya, but I have uh for me I for me I personally think that


it's actually very applicable to, uh what's going on in, the world right now it's a very social commentary or and what's going on and I think it's it's ya it's like a satire it's quite funny


as well like the zombie thing it's in like cause you said like not everything is is is true right about like zombies, but it it really is true it's , oh ya ya right right oh ya forgot to mention out like


ya they but it's about hunger and poverty, and the fact that, you would literally eat, each other to stay alive I think that actually has a lot uh quite a big meaning ya cause if you don't I mean take out everything that you don't know from whatever the details of the show just


you know when you think zombies and you think that I I think that's probably what, the writer had in mind, it's like a dog eat dog world whatever, like literally very, bloodthirsty can I say that


ya ya ya, you you you would kill each other and eat, the flesh and all that lah uh, I think they've I think whatever it is that the writer was trying to say uh it's uh it's a very powerful message I'm not sure what exactly but


ya okay any who uh, uh, you think that is the best movie or TV show you ever seen, for now like can lah right that's cool what uh ya I uh sure why not same thing


ya what are three things you have in common with your best friend or partner


ya okay at least we have or anything just go, uh okay you want me to go, maybe I could try what three things that I have in common with my best friend or partner , uh maybe that we have


similar interest I think that's always a good thing uh so that'll be number one right uh ya the fact that we've got let's say similar interest it's always a good thing uh the fact that we've got the same, goals I think it's very important probably the most important so that's two uh


uh, third one is , able to relate with with each other maybe like can I say that ya so three things [loh]


ya ya ya right ya, !huh! eh, what your what


ah, oh okay so like if you got three things you have to pick


like you guys have in common three things three only lah ya


sorry your what your picking, oh thinking , oh okay okay okay okay , okay alright, okay ya (mmhmm)


, (oo) uh what is one place you would love to visit and why, what oh Jerusalem okay


okay uh and why we


okay uh any other places that maybe you'd like to visit, okay sounds nice


why , okay that's so uh, any reason why you want uh why you choose france like, why, that's it ah no I mean no other reason like


ah okay interesting okay uh right all good, , uh somewhere I would love to visit I don't know uh maybe


!huh! !huh! right now I can't go anywhere I'm stuck in singapore so anywhere will do, really , uh uh one place I want to visit I don't know I I I I can't even go JB tell me to go to #johor bahru# now I'll be very happy sure why not


uh, but anyway it it's alright, ah you want to go hiking in the woods


ah okay okay ya one place you have to visit you don't I guess that doesn't really have to be a, outside singapore right ya ya, ah oh ya okay so you ask me like uh uh


to answer your question cause I think I didn't give anywhere proper one place I'd love to visit and why uh #sungei buloh# I want to I've never been there, I would like to go there, just I don't know what is it like also can just see for fun [loh]


(mmhmm) uh okay, !wow! uh, !wow! I don't know !huh! so deep okay


how about you do you know can can you think of anything right now, where, ya I know uh it's sorry, uh three things I've always grateful for in life


no no uh okay fine ya okay, okay, okay, three things or just one okay oh oh we can go one by one fine uh I I was actually going to say


uh uh something that I'm grateful for in life, maybe I don't know, nature lah that's, the the beauty of nature lah I'm grateful for that uh, you know


the world and its beauty and everything the earth and everything on earth I think there's a lot of things to be grateful for like uh, ya uh


ya ya ya so like I think if I had uh the the the first one I can think of at the top of my head is, I don't know nature's beauty ah and all the nature's wonders and all that stuff, maybe and being able to see it ah okay maybe the second thing I'm grateful for is being able to see it and experience it


I I am very grateful of that that I am, uh I don't know I'm not, blind or deaf or mute or, disabled and all that way so that I can actually enjoy all these little I can see it I can feel it I can hear it


what, ya I know but if if the question is just what are three things that I am most grateful for in life it's just, you asking me mah so for me then, uh I I I'm I'm grateful that I can see or what lah my eyesight is good


grateful okay I'm not blind ya (mmhmm) uh, uh third one maybe uh, I am grateful for, uh I'm grateful that


I live in a very, safe and comfortable place, ya, I okay ya that's all I can think of right now that's three things how about you , !huh!


ya but we got three things it's like what are three things you're grateful, sorry


!aiya! don't know never mind lah uh okay just answer the next ah like since you mentioned about your partner it's what are three things you admire about your best friend or partner since you've already mentioned your partner before you could just you know why don't you elaborate


three things that you admire


sorry uh intelligent smart and what, ah smart brave and cool alright ya, okay that sounds nice uh, okay ya well then that can like easily describe lah why you're grateful


for that sure , what's your favourite activity to unwind and relax, what,


I don't know like uh top of my head uh, !huh! so many things I don't know , I don't know really uh, maybe can say, uh uh what do I admire okay uh smart I suppose !wah! now it just sounds like I'm copying yours


uh uh, I think again it's the same like just now I say lah all the can be like similar interest lah what lah all these, thing I feel like I've already, said ya agreed ya


!huh! what shop , watch TV just netflix and chill that's uh chill ya lah that's


like the easiest thing already now especially now how about you what do you think, if I need I I don't think I need to describe it it's just you turn on the TV and you playing like that, like ya to unwind and relax it's still TV oh ya alright


cool uh anything else that that you have that you I didn't nothing I can think of now, I love myself I don't know


okay


oh, part one finance, alright, one two three part one finance


okay , okay okay uh is, uh okay uh first twenty minutes okay please share your knowledge about financial products example banking insurance I can't see this one you can uh okay


number one how do you invest your money to accumulate wealth and or planning for your retirement, uh okay how do you


ya I don't have any uh investment account either yes uh just have money in the bank that's all uh I just have money in the bank that's all, uh, interest


ah okay okay okay okay the time savings is it, ya


uh no I I twenty five years !wah! no no way, ya it's very long ah, ya okay okay you want to go to part two


okay ah uh what strategies would you recommend to someone planning for their big ticket expenditures example starting a family buying a car or a, house et cetera uh planning for their I would recommend to actually, uh


really have to start planning uh where you wanna start first do you want to live where where where do you want to live first or you wanna after you get married you gonna uh straight away go to a new place or uh, depends on depends on the couple whether they wanna what they wanna do first lah if it


if if they were to to prefer to stay with their in-laws for the moment to so that they can save enough money to actually uh, uh, actually buy a house and I think they should do that first uh they should plan that


what about you what do you think, like like starting a family buying a car or house et cetera, like


someone planning, ya ya I was would, what strategies would you recommend lah I will recommend really, ya ya I ya, actually if they if they really want if they wanna do if if they want to do that then


they have to plan to save money lah , ya , probably have a calculation first before doing it before just jumping


or uh calculate uh their monthly everything in total you know, , ya, ya, ya


you roughly gauge right ah ya ya, it , ya ya


buying a car is actually actually quite very expensive and


ya but which is the priority lah is buying a car a priority or a house that we should is is the , prioritise also right which one first also


ya ah okay I want to move on


uh ya you have to really go down shopping for the right one ah


, ya I'll find it ya okay okay


okay do you want to go to number three, okay ya you read uh you read, it's gone


okay how do you spend your money which expenditure is justified and what have you been spending too much on, okay , uh how do you spend right


spend on a daily well like let's say like for food drinks like cigarettes or like ah, okay I go buy food okay let's say I have fifty dollars and then I just roughly gauge on ten dollars for cigarette let's say no lah


thirteen dollars for cigarettes and probably eight dollars for food and uh let's say like sweets and chocolates let's say and drinks and maybe add add add additional thirty dollars ya I gauge daily first


uh ya, uh no I still have to uh pay have to, contribute to the uh household also have to contribute to the paying of the house


get a like a right now right now I'm not I'm not, paying using CPF uh uh I'm paying via via GIRO so uh, uh, it has to be included there


let's say if for groceries then my partner will be you want order in probably order online and uh if can, okay uh okay and then then how about you


(mmhmm) , then how about the the how how about the


ya, ya, (mmhmm)


(mmhmm), ya I have loans okay we'll move on okay you want to move on


, I probably spending too much on like food and drinks and sweets outside ah uh spending on


food drinks and sweets I'll say lah all chocolates ya , uh ya ya and also now my bike broke down let's say uh that time broke down and all that accidents and all that stuff


when my bike broke down and had to repair all that stuff okay, uh vehicle ya , ya ya ya you what do you think


uh, ya, ya I think I have to cut down I have think I have to cut down on the spending outside ah ha can save a lot


more ah (mmhmm) ya ,


, no no no no no no no no, and nowadays if you go expensive place or not not expensive place it's the same so actually almost the same I don't know so ya


okay, you move on it because it's left left eight minutes, you wanna move on left eight minutes okay


okay should I DIY or get a financial advisor to plan my finances , uh if possible DIY lah but then my partner is uh good with finances ah so, so I I I don't think that you should spend more on on the financial advisor lah


what do you think, ya but should


ya but should you get an uh should you should you DIY or get a financial advisor to plan your finances, ya


ya actually quite ironic also , ya and it ya so you're supposed to, about ah


you supposed to uh ya ya but ya, ya then


ya maybe like they they have they have uh, ya give in a bit more to to to gain more, yes ya ya depends depends ah uh uh and then if it depends on the person lah if the person if if if if they can actually really manage and see their finances and then I don't think they need lah ah


, ya ya ya I agree with that one ah uh ya ya ya ya ya ah ya ya


ah that that one is a that that one I think so much more legit thing like to say ya, ya if personal thing that if let's say you want to do a company thing then


ya I think ya I think that don't okay, ya make, uh


work as hard as you can uh , ya ya


ya (uh huh), ya


find a financial advisor , , because I can't give the I can't I can't I can't really give advise to uh someone to get how to get out of the debt lah but


if I think in this case uh the ya financial advisor ah like let's say like depends on the the situation also lah how big is it lah ah, , if really if really if really get getting out of hand then probably get a financial advisor better lah


depends on the situation also lah how how big is it [loh]


how big is the situation ah, , debt, like if it if it if that if


ya, uh maybe maybe maybe, ya, ya somebody uh somebody who's actually


helping them fine help with the finances ,


and how how how urgent it is is it how how bad is is it


ya eh


but then it'll collate right but then the it will it will collate right uh ya the the rest the uh


snowball also right ya also, uh, ya, okay moving on last uh okay number six


how do you manage your cash flow how much of your income is allocated to savings expenses and insurance slash investment, how do you manage your cash flow,


ya really ya


uh (uh huh), ya , but where when they come in a in a in a mail last time then uh I think you will actually really take it in really observe


the letter lah then like eh !alamak! you have a you know probably, probably let's say if when it comes last time the bill comes in the mail and then after that you have to open the mail and then you check the mail and you !wah! then you realise that eh uh


[orh] (uh) alright, [oh] alright


clap, part three negative experience, okay what is your biggest pet peeve


or what annoys you the most , ,


what annoys me the most ah ya same, ya same , ya uh, ya


not all lah but ya that is a that, okay number two you want to skip or you want to continue, okay recall a scene from a movie that made you cry in sadness,


ya, ya, (mmhmm)


!wah!, not, that I remember, uh there's that I don't know I forgot the what was the movie name right uh I don't know the I forgot the title but


uh, there's one, there's one movie where, uh , because this guy uh fell in love with a this girl uh but then this girl


uh had cancer and then after that the the she passed away, in the end uh he uh he was, uh he he was quite uh uh he was uh, uh he uh she made him into a better


person ah and then in the end she passed away and uh ya I cried, and I forgot the move because that was a long time ago it was in two thousand something right, ya uh


, ya ya ya


okay alright, so are we supposed to be in the middle or are we supposed to be the older one or we suppose be the younger one


uh, uh, too much technology, technology uh


err ya older generation uh, naggy , uh nagging that's uh


it's not dislike the nagging lah but it's just that , uh actually they they they what they nag actually make makes sense just that it's not dislike it's just, that's the the first thing that pops on my head ya


it's not it's not ya it's but it's not hate you know, (hmm)


, uh


the old older ones like how old do they do they think the are the dinosaurs anyway


ya ya very ya generation gap ya,


they ya


, ya okay uh


, (mmhmm)


depends on how you, uh ya ya ya I agree, uh okay next


, I only can remember the the time I tried to send my first letter but then no need to use to use stamps uh a stamp, uh ya I only remember that one time, uh I


no no no no that because you were about paper right then I was thinking about I was sending snail mail and everything like in memories you know okay uh anyway


uh I think they have to lah if let's say they have like something they have to like something's that they have to send into via mail uh a snail mail uh something's which I do, now already I I don't understand why have to send through mail


like some stuff I don't understand , ya, okay uh okay number four talk about your worst travel experience,


, (mmhmm) (mmhmm)


(mmhmm) (mmhmm), (mmhmm) (mmhmm) ya


, worst ya not that that, not my worst lah but the the first thing that pop popped up in my head is the somebody stealing the handphone thing ah, ya


uh somebody stole the the my partner's handphone, ya, ya ya, ya it wasn't !wah! that wasn't that that wasn't very nice


no uh while we were on a on a Tuk-Tuk we uh my partner was using a phone very discreetly, but the two guys on a motorbike


uh spared beside ride the motorbike beside the Tuk-Tuk and uh the pillion grabbed in, grabbed in into the uh into the into our middle, in between uh my partner and I and just took the phone uh uh it kind of caught us by surprise but


we , ya it's like !wah! this one uh we ya it's a snatch theft ya and, ya, ya ya ya uh ya


ya okay never mind , describe a time where you feel that nothing you do is good enough, !wow!


uh ya very uh ya sound like everything will be depressing anyway ah


(mmhmm) (uh huh)


ya


ya, ya


(mmhmm)


ya again it's people right ya, it's a time where you feel like nothing you do is good enough, ya like


ya it's just we said anything anything and everything like I think life, like ya do you know this question this this question is very deep man, alright


ah a lot yes ah, ya okay uh there are


many moments but I'll just tell you one okay uh you know when I was in secondary school secondary one uh I had a stomach ache uh on the first day of school and, uh I shat my pants


ya, ya and and I had to leave my my underwear in the toilet and just, uh ya ya and I had to run they were having an assembly because uh it was the first day and I had stand up and run away


ya uh ya , uh I'm pretty sure but uh uh I uh


no I think I, no it was already it was it was, uh it was terrible it was a it was very terrible it was in a terrible , no no no no no not that I leave it there I threw it in a dustbin there but


ya ya ya it it was that bad ya, , no no no no no it I I I I


uh it it couldn't be saved ah the thing couldn't be saved , ya, ya ya


describe the the moment when you feel like the world is against you !wah!


like just like like you had a some really have a bad day I guess that like you, like uh bike broke down know then uh after that you come uh, came after then after that you like, like probably some like uh but it's just a very rare uh uh I don't know like uh uh


uh, I also the the the thing the thing the the thing is uh uh a lot uh and uh constantly constantly actually no no no constantly thinking that uh the world is actually against


ya ya ya ya cause ya like , (ugh) everything like that like that ya ya


!woo!


ya okay, ya I want to skip ya I want to skip


have you ever been ostracised or felt ostracised recall the experience and describe what you felt at that time what uh what's the meaning of ostracised, (uh huh)


ah okay okay okay okay okay okay, okay


part two positive experience, okay have a heart to heart chat


regarding a positive feelings with your conversational partner okay you may use the prompts below to share uh the positive experiences in your life, number one what are small things that always make you smile, so right what what are the small things that make you smile


, small tiny things like probably like if if you find a three snails on a leaf trying to eat your curry leaf ah ya things small things like that ya


everything


, what sacrifices I make , ah that's what are sacrifices you make that that's worth everything , the sacrificing sacrifice uh sacrificing everything


for me sacrificing everything is, ah , like okay all the things I've done okay worth everything uh


during the whole journey uh, uh let's say uh the like says the sacrifice the old house uh, living away from the uh uh from my from the from the house


uh living living living with uh, living his uncle I my uncle uh, ya because right ya ya I'm just uh


what are the things that make them worth it what are the things that make them I just said ah, that's, got a lot lah actually so that's why I say everything


then how about you , ya actually I see sacrificing, ya


ya because they they like and then what are the sacrifices you've made that uh so everything cause every every sacrifice that , because it's it's a that, the term everything itself is is everything you know I I


uh, ya that's why


ya, I want your take leh , ya but it is a very uh hard question okay uh next ah, describe the best movie TV show you have ever seen and what do you like about


okay I go first okay ah eh I I saw recently that kingdom is uh kingdom season three is coming out soon


kingdom season three, it's about zombie you know during the ah, it's a zombie uh zombie korean TV series it's really good TV show ya it's coming out soon season three


I saw a trailer on uh on youtube, ya because because , uh, the director the directors and producers the people which they they you are you become uh you are uh you feel as if you are uh as if you are you've you


directors and the producers everything that the whole crew everybody makes the viewers feel as if they are actually being, uh actually in, in the same boat as them uh ya


immersive ah uh uh I I guess if if that's the word ya ya and it's actually kind of, uh to deal the to to, ya and then actually in real uh and it's actually really relatable in real life where the


like the how like the the peasants and the, nobles and all that stuff uh but ya, so it's quite relatable like people still starving, and then the peasants and nobles uh and uh those that who are actually starving and those who are actually eating a lot the the division between the you know


ya ya it's very relatable lah I mean ya, (mmhmm), not say everything applies lah got got no zombie and everything and all right now lah but uh but it's it's it's just it's just interesting


okay ya I I think it's it's ya it's definitely, most probably it's metaphor ah it's just a, probably like hidden ya


ya, , ya but actually actually zombies also actually like the the what the like uh somebody uh who's that desperate to uh to do something to just to get just to eat you know uh ya


the desperations desperation of some someone's desperation


ya ya, like like people eating each other lah and like people eat eating each other you know ya


ya ya


, ya, okay


oh how about you ya okay


, common interests uh, thinking , interest thinking and, oh oh ah how come ya you go


, ya


ya , ya same right common interest common thing ya common interest common thing but, to me where to me uh


my my my partner is just like a my own reflection in the mirror, to me my partner is like just like my reflection in the mirror it's just like, uh, just just like a just like a reflection in the mirror in my my reflection in the mirror ya


ya, we're similar in many ways yet different in many ways also , ya, three things like let's say common interest common thinking uh same


ya interest uh ya our way of thinking and, thinking thinking thinking, (uh huh)


uh, uh ya, ya I got


ya I (mmhmm), like I said I would love to visit Jerusalem visit Jerusalem ya and that that's one place that I would love to visit uh uh


uh because , I don't know because I just kind of like when everybody and, depends on uh what they believe in you know and everything then they just can


a place where everybody just , uh, every uh it's it's hard for me to explain but uh it's you should know but some some are so hard explain ah


ya , , uh europe ah actually france Paris, ya ya because I kinda owe some uh not owe somebody like I kind of promise somebody that uh and I uh to to bring


ya, ya because like I just said uh it's I promise I promise some I promised someone that I will take and I'll bring her to to france ya


ya how about you


ah right ya ya ya ya ya


never mind lah we we go hike you want me later I we we go for hiking the whole of singapore lah come lah, no hiking in the whole of singapore lah, ah ah ah


no no no hike hike the hike the hike the whole of now they make cycling cycling withs uh all around singapore, right I I mean the whole uh probably can walk around the uh uh probably we can walk


, alright probably ah , okay cool


okay what are the three things you are most grateful for in life,


ya better to you you try going first, you try going first


okay lah I start first lah I one and one one one thing ah my my my partner lah , that that I met my partner, (mmhmm)


and she got a lot of things to be grateful for lah depends on what and all that, , ya


nah doesn't mean you are blind or deaf or disabled I think they also I I I I'm I'm pretty sure that actually you, (mmhmm), ya ya ya ya


nice nice nice,


ya I don't like like I said just now before for meeting my partner uh second, uh , like, ya so grateful that !aiya! a lot of thing leh !aiya!


ya ah, ya, uh okay, okay


uh intelligence , , brave street smart uh brave and


she's cool, smart smart brave and cool, ya, ya ya


!hey! name you three thing ah what are the three things you admire about your best friend or partner,


ah then no need lah skip lah , nah then it's okay just skip ah left one minute ah


ya, a'ah, ya cool alright okay let's move on


alright ah describe your favourite activity to unwind and relax, ya


ya just, uh, ya okay oh


I don't know, okay uh next uh what do you love most about yourself, I love myself


can, alright Azrin you want to go first do you have any personal insurance


ya ya I have personal insurance too but, uh what kind of personal insurance you have exactly, like what kind, cause I'm sure there are other there are like different different type of personal insurance also right


ya I still keep it, do you intend to keep it for like, forever or you intend to maybe get another personal insurance later on


ya I feel like it's one of the cheapest insurance lah and one of my friends who works as agent, did tell me that it's, good to just keep it because it's one of the best plans that you can find and it's the cheapest but the downside to that is that it's a group term life if I'm not wrong I can't remember what is it called exactly but it's you're not


technically yours but you're just subscribed subscribed to it and they can make any changes, at any point of time lah ya, ya correct


that's true definitely, (mmhmm)


then how about oh sorry you were saying continue, eh never mind man continue what were you saying,


uh if not wrong I have AXA uh but was, definitely the medishield one if I'm, not wrong that one is everyone is covered the other one is AIA ya so I've aviva AIA AXA and the standard medishield one I guess


ya man do you know do you know anything about endowment plan, I'm not too sure what's an endowment plan either okay then we move on to the next one


let's see I think there's a rule to this if I'm not wrong you're supposed to spend like twenty percent ya if I'm not wrong I'm spending twenty percent or is it ten


ya you eh what what percentage of your income you spend on your insurance


okay okay do you have a personal I can't remember what is it called personal accident insurance plan that one is just in case when we get into any mishap or what when we are on the road


!wow! so okay


correct correct on my side my financial advisor went through with me and told me that twenty percent is roughly like what I think lah I think if I'm not wrong twenty percent is the like, twenty percent is like the magic number that people spend on their


insurance I'm not too sure, about this maybe I need to ask him again but, ya so he went through and he asked me, how much I'm comfortable in spending every month so mine my expenditure on, insurance every month is if I'm not wrong is about three hundred, that is include including of the savings plan as well so about two hundred goes into investment every month


yeah, how is it bad and okay when your opinion okay


okay, inflation what what do you mean by inflation uh like how how okay


I see okay I see what you mean okay okay


I feel like it's not so much of a con but rather a a securing your own future and for your own kids next time cause let's say you're saving for me I'm saving two hundred a month so that totals up to two hundred and two thousand and four hundred every year and also because the investment plan will have rate of returns so I will be generating


revenue in a way from my savings plan, so when I'm able to withdraw it I will get more than what I actually saved so technically it doesn't I feel like it won't really affect or the inflation part that you mentioned just now won't affect as much that's what I feel lah that's why I went for the investment plan yeah okay let's we move on to the next question


do you get insurance when, buying a car, ya I mean ya that one is a definite one, cannot drive also ya


yeah but out of the listed one like buying a car getting a, property like there are some that, I don't think I've ever bought insurance, for before, like travelling overseas, and, engaging in commercial activities


I feel like they it's, a good thing to have but I never actually consider of getting it, what, yeah yet because haven't haven't Kena yet


so they buy you also buy ah, so they buy you also buy lah, is it


okay, , okay, I think should definitely start getting, after this period man , should I think we should definitely get this kind of insurance if we were to ever


ride up north, K alright next one is the


that one I don't think enough ah if enough, and if it's, enough right I don't think companies like AIA AXA prudential will even, have their own set of plans you know, what I mean like if, it's enough then these companies wouldn't have


in for that sector lah, ya, oh that's true ya


correct because even these companies will offer different tiers of protect uh what's it called coverage ah, ya, then how about your financial advisor that one you, approach him or he approach you for your insurance planning


how you find him, friend from where one, friend from where


why never tell me about this friend before K never mind , never mind I have mine already, ya ya he not so much of he approached me ah I kind of approach him as well cause it's like


I think about it like I'm safeguarding my own so called finance finance financial yeah yeah, for the future lah basically, and


correct ya, ya, next one yes


do you see insurance as an essential expenditure, okay I mean the second question, second part of that question is definitely a yes, for us lah I guess, since we both have our own set of, policies right


alright okay , was it again, what do you look out for oh , what do I look out for in an insurance agent ah, I would say, definitely look out for a friend lah it will be better and easier if it's a friend


so you he's, first off know your financial, uh not say financial status per se like, your capability like how much you can actually, pay for the insurance and he would suggest, to you the best plans possible because it's a friend kind of friend friend


kind of thing I feel like ya because I got ever Kena the yang those at, MRT ah they ask you can you help us take like five minute survey, I'm like oh okay end up thirty minutes, like interview or what then they ask you to


get plan after don't know what, plan lah and those kind of plans like I feel like it's kinda, ya


ya it's like because maybe to some I mean I've personally feel like I don't think everyone is able to purchase their own self insurance you know they are maybe facing their own difficulties eh and things like that


okay if you're an insurance agent, what questions would you ask your client when planning their insurance coverage


no imagine you put yourself in your friend's shoes, K K never mind tell you what now you're the friend you're trying to sell me insurance how you're going to, , what kind of questions ah what you going to, ask me man, why you're not going to ask me


ya, correct, yes yes definitely agree with what you said


I I would say the exact same thing but I would add on like uh yes did they how to say K let me think how do I phrase okay maybe you're not financially stable financially stable now but I would tell you what


are the benefits of you starting early, even if you're not maybe you can, invest start small or buy the cheapest insurance, at least get some coverage for yourself, rather than you having no coverage at all so if anything were to happen at least you have something to fall on rather than nothing at all then you have to pay let's say let's just say you earn two K a month but you can't set aside hundred so you would instead of


paying hundred a month for insurance you just save but then touch wood one day you get into a, bad accident lah and you want, the amount you save right is not enough, to pay that medical bills and your savings just gone like that, ya


K next one is buy term and invest the rest do you mix insurance I think we do alright the next question buy term and invest the rest I think we both had we both mix the insurance and our


investment right, okay okay


K lah what was again yeah I've make life if I'm not wrong I'm I'm thankful that I'm covered for most of the things like hospitalisation and all that investment is the one that I just started lah quite recently


ya ya personal financing


that one is a definite must cause can't just depend everything on our own so called investment also


yup I think that's about it about for (uh) insurance [lah] and our finance


part three, negative experience


okay negative experience, , describe a time, when you felt trapped or helpless, have you ever felt that way, me neither


okay, (ppc)


alright alright


it's definitely a hard time right now ah, I would say, a time that I felt trapped was (ppc), when I was shifting from malaysia to singapore ah


yeah it was quite, quite a tough time it was quite a tough time because, it's where my parents divorced, cause since my mum is singaporean my dad is malaysian lah


so when that happened, technically we kind of lost like me and my mum kind of lost, our house like we don't know where to stay, and we like kept, going from houses to houses ah


that was tough ah, houses to houses like, (ppc), maybe after a week or two change house and we realised that our so called relatives are not very helpful in a way


ya, so that kind of make our situations worse, we thought we could depend on them, but, ya they weren't really, welcoming


and I was very young I think I was like, eight or nine so it it kind of sucks ya (ppc), young and


K, it's a tough tough topic yeah, it's definitely change, to turn that negative experience better I always tell myself


if that, incident or that, thing didn't happen I wouldn't be here right now, so in a way I'm kind of thankful that happened, ya


this one would definitely be, the thought of losing, my loved ones ah, like sometimes randomly you just, lie down at night and you like, you know when you at night you will just lie down on your bed you start to ponder


then you will just keep imagine life when you lose your loved ones then it's like, a tough thing to imagine ah that's for me


difficult topic man, difficult topic, never mind can you hear me clearly, alright


sorry what, ya, have you ever , we move on to the next next question ah


K I think we I was about to skip the third one never mind, is there one thing you wish you could change but will never be able to


mind me asking like ya sorry you were saying, I see okay okay I get what you mean, mind me asking when was this


though like at which period, okay okay,


ya, I don't know I feel like there's nothing


I should change to begin with, it's like it I feel like things happens for a reason, even though things, I know I shouldn't have done, but, it makes who you are you know


ya, but if one thing that I wish I could change would definitely not ruining my own eyesight lah that's not so much of, negative but it's my own, stupidity for ruining my own eyesight


no man I was playing games nonstop for like, twelve fourteen hours straight in a day, !hais! ya that's crazy man, but in a way, I still can change my eyesight through LASIK but


ya, ya man you can literally do anything


this question for me I would be I would say it's the, similar experience when I describe the one I felt trapped and helpless ah, when I was nine then like cause back then, I think I was primary two in


Johor, but primary two back then there was like, their education is not that great, and, the things they taught were everything was in malay, even the english was taught in malay


so I couldn't speak or understand a single, english word lah so when my mum brought me, over to singapore my relatives was like, sort of looking down on me, like they were thinking, can I even study in singapore


with my kind of, like, education lah, cause when I took the test, okay so when I migrated, from malaysia to singapore, I couldn't go to school for one year because they had some problems I can't remember but it's with the immigration


so finally I'm nine I'm supposed to start, primary three but I'm not allowed to jump in straight into primary three because I've to take the education test, during the education test of course everything was everything is in english, so I couldn't understand and


I failed the test lah and I was told to go back to primary one to relearn everything, so that's the part where my relatives kind of look down on me, ya


correct that's definitely true


and that I'm glad that's not on us already, did you ever have a pet , that you loved and lost you're talking about the not your rabbit ah


I thought your, what, , no but the thing K wait wait wait I I I still, okay no I'm trying to


I see, understand understand, ya I was like five to six years old ah, that's already quite a long, time for fishes I think


until now no pet ah, would you consider getting a cat , like next time when you're married, ya man


later the cat take care of you how, , I just remembered, no lah I, after that hamster bit my thumb a chunk of my thumb


off, no man I returned the hamster back to the shop, then the shop owner was like !huh! hamster don't bite then he put his hand in the cage, and the hamster start rushing to the thumb to his hands, and he


I give him food everyday, every single day, okay anyways I just remembered I have another pet when I was in malaysia I've this uh, a few chickens


like literally two of them were roosters lah, have you heard of it before


it's the kind of kind of, uh roosters whereby, you can bring to competitions ah there's some competitions in, in that part lah, this one is not the fighting one this one is the like aesthetics one


like it really looks, ah like look damn nice all, yeah, ya, Sachok ah Sachok nice ah it's nice to see but


then when, things didn't go so well when I was moving I had to give the, all three to, oh no there was another incident whereby, one of the rooster mated with the female and she laid eggs lah


so when she lay eggs, I think I I can't remember how many eggs there were but, when the, eggs hatched, all chicks was fine except for one


I don't know what happened to this one chick but it's black in colour I I remember it clearly it, can't seem to walk, I have no idea I'd I only remember that black colour one I think got different colours lah, ya but that black colour one was like so weak it was so weak macam it it keeps


chirping do they chirp, I don't know they were making the squeaking sound, as a chick, quack is duck man, , but ya so


so I picked it up I picked it up and I wanted to nurse it lah, I was very young so I don't know I'm supposed to do back then, but as I as soon as I picked it up it I can see its life


draining and it it kind of died in my hands even though it's just like a new, newly hatched and it died in my arms at that age I like, I felt kind of sad to see that life just


gone just like that, ya, did, it's one of the most one one of the pets that I love lah okay lah technically not not love lah


because it's yeah man but it's still kinda sad, died died in my arms then the other one ah I had a pet canary, this one when I was when I


canary man, eh no lah elephant, no canary is a bird, Azrin, don't ah ya so the pet canary


ya it's a crow that's a big ass crow no it's a canary , small bird uh, it was yellow and bluish in colour, I think ya it was very very small then I was in P one


P one in singapore so technically I was, nine nine or ten or so I can't remember, then it was fine everything is okay I was playing with the pet canary everything, then one day when I wake up, no when I was about to go to school my mum woke me up tell me Wan Wan


uh, like to tell me like the bird is not there anymore then I don't believe lah cause I I, I keep telling myself I think the bird is playing tricks, cause when I go to the cage, the bird was on the bottom of the cage like on the


what's that thing called ah the the railing ah I don't know lah but ya it was, flat it was really just not moving then it was like rock hard then I'm like oh my god, like why how everything was ya it what the canary


I think, think was a few months old, ya I think it's still quite quite young, I don't know until today I still don't know what happened to it


ya and, I gave it a proper burial lah I still know the exact spot where I I, sort of buried it I mean like , I mean can't just be throwing it out of the dustbin or like flush it down the toilet or what right


ya, then what did you do did you or like it