ya then after that she did give me back the money eventually but uh it was like a a week after or whatever lah, , uh no she didn't say anything but at one point of time she was annoyed with me because she was like saying ah ah she was saying something like why are you ah why you don't trust me Ni like I told you already what I give you back the money but I told her you told me you give me back the money that night itself


right and knowing you you are always like believing all these like funny funny little businesses online that you just ya like you know those kind of ads says oh work from home make money from home that kind of thing ya


ya she she would believe those kind of things and like spend money on it and then go around borrowing from people ya that was that was a not nice period lah, ya I felt really betrayed though I've never felt that betrayed before


no I didn't know I don't know ya because she said she wanted to go and meet the person at and it was like at nine thirty PM why you want to go out at nine thirty PM right a bit funny right like knowing her also


positive experiences, okay Rio you


describe a time when you were when you were helped by someone in time in your time of need I don't know man this kind of things I have to think okay why not you start first I started first uh the previous one


I'm sure you have a lot of experiences in your days you're older than me, oh no that's not positive okay okay okay okay okay


right, right


they weren't paying you for your services my god


what what that's ridiculous, right


oh, heroine


, ya


oh, what oh really


ya, !wow!


that's that's good ya, !wah! !wow!


!wow! okay I mean that's that's you know you start somewhere you know, that's good ya ya man, #yong tau foo# MVP


, uh when I was helped by someone in time of need eh, , ya I feel like I feel like there are a couple of phases in my life that I went through that that that I was literally like hitting rock bottom


I think , but I really oh my god this is bad I cannot think of I I cannot think of anybody who've helped me before I'm sure there are a lot I I'm pretty sure but okay but okay to to at the top of my head uh actually I'm grateful for Eday lah because


he helps me a lot like financial wise because the planning of the wedding is a bit taxing, , to save up is taxing for me because I'm living like literally paycheque by paycheque so Eday'S Eday'S financial power is a bit more stable because he's in a government job right


ya so he he have helped me a lot in terms of deadline in terms of financial wise for the wedding uh especially now that it's COVID and then , we had to postpone our reception and then the solemnisation is still going on that's incurred in cost so like he also have helped me by paying fully for the solemnisation lah


ya so , so I guess the recent case would be him lah I'm actually very grateful for Eday he helped me a lot ya and he's very selfless person, so I'm so grateful


, guy very nice chap ain't it what was, what was the best meal you've ever had oh my god I love talking about food I love it I love talking about food bro I actually I've I actually am a big eater you know like I realised that only after I starting I started going on a diet because I realised the small portions that you have to go through


ya the small portions that you have to, eat like like that's not even a meal sia it's like like !wah! fuck it's just oh ah shit I just oh swear , sorry sorry sorry sorry okay okay okay ya but I love I love I I realised that I love japanese food I love anything like


that you can eat all you can eat buffet kind of thing I love Sashimi so I think the best meal I've ever had, was it's quite recent eh, my god I love a lot of food lah so I I love I love indobowl have you tried indobowl


that's good, the one at arab street, it's good yo I think that's the best meal I've had after my uh like recently, recently ah it's all right it's all right it's cafe arab street location kind of price


you if you get you don't don't don't get the indomie meal that's not worth it because you know indomie packet is actually quite small portion, ya, so they have like #nasi goreng# their #nasi goreng# is good their lamb chop is good


their Ayam, their chicken chicken chicken Apa chicken #sambal ijo#, #sambal ijo# #sambal ijo# is good you should go there with Arina it's good it's good it's good ya


it's good sia oh malayan council malayan council, it's okay lah okay


oh yup yup sedap (hmm) (hmm) (hmm), (mmhmm) oh ya truffle fries is good ya,


oh ya ya ya ya ya ya ya ya ya, eh bro our next our next outing with everybody else right we should go Sarbat the #bhai sarbat# restaurant it just opened just opened in arab street ah they open up a restaurant at the malayan council stretch ya #bhai sarbat#


I don't know you know #bhai sarbat# right the #teh tarik# place opposite #kampong gelam# ya so probably like indian food lah, probably indian food lah but we have a new place to go then we can try there cause we were always at KGC KGC KGC


, Apa what, ya ya I know right people will stare at you and then you like uh am I supposed to rush my food like hello I waited long too okay


oh my god okay next, thank you next thank you next


okay you must be thinking of Aweena right now, can, I never thought of her, rude, [orh] yesterday who did it


oh oh my god that's so funny I actually I actually was in a plan of surprising, uh so you got surprised right I was surprising someone yesterday also birthday


oh you also supposed , , me also, oh no


right (ppc), eh talking about that right you know yesterday yesterday I went out to my sister's staycation she's actually having a staycation right now (ppc), (ppc), so she was like uh she wanted to celebrate her friend's birthday and also her boyfriend's birthday so like she ah just ask to come they doing barbecue whatever whatever lah okay okay then we came celebrate


but you know the place that they are staycationing at staycationing at is that even a word but ya it's a shipping container hotel eh, it's at ya it's at but the location is a bit out of place it's at it's near #buona vista# rochester there


ya ya ya uh it's actually it's actually in a you know like those kind of uh places buildings that they have many many offices it's actually at one of those places you know, ya, uh one six eight for one night one six seventy like that


ya and then the place is quite nice actually but the only downside is there were a lot of cockroaches ah, ya sia, because it's not a hotel hotel right it's a container thing so it's like, landed and then just just like two like ten walks down or something there's a garbage chute ya that's the only thing but the place is quite nice cause it's quiet the facilities nice


I don't know I'm not sure ya, but it was such a nice place it was actually quite nice really and then the uh can fit four people the facilities were fully equipped they give, you like salt and pepper like periuk lah and all that


ah like apartment there's kitchen there's washing machine two beds uh two double beds TV the TV also includes a netflix account you know, ya and then uh you can uh rent a grill so they rented a grill yesterday then they bought like raw meat from the supermarket then we then we did some grilling and stuff lah it was quite nice


okay I'll whatsapp you later I'll ask my sister, (hmm), ya and you know my solemnisation right I might be doing it uh on a yard


(oo) fancy you gotta go fancy ain't it , , ya we probably like inviting only maximum like what thirty


so it's really just family and friends so I cannot wait for that day, (hmm)


so, and today is exactly hundred days up to the wedding, hundred days have you have you watched that have you watched that, the


scary video ya, the scary video on instagram that everybody's watching right now the reenactment, !huh!, fuck sia it's so scary


okay okay I just it just it just came, into my mind because I was like okay wait wait I see one question in the post-COVID, world who or what are you newly thankful of or appreciative towards


in the post-COVID world oh okay okay that's good that's a good question, (mmhmm), freedom after COVID right


ya newly thankful of ya ya that's true that's true that's true that is true, ya, that's a good answer now I cannot think of anything else because there's quite a good answer I was like ya


but, but I am also like newly appreciative of time spent with my mother lah, because previous COVID like pre-COVID I was working seven days a week what so I'm I'm hardly home when I come home everybody's asleep so I hardly see my mum or talked to her


so during the circuit breaker period I was always home in fact because ya cause I was put on unpaid right so I'm I'm home like have no choice but to be home ya so I get to spend more time with her lah,


(uh huh), oh okay you planned it already wait don't talk about wedding talk about your engagement first is it happening or not


oh just between your families lah okay lah, oh oh


to to get engaged, oh buy the ring okay where are you planning to buy it at, eh I have a contact for custom made rings but she's from thailand but you can contact her it's actually uh she can give you


the price she quote you right is considered like wholesale price I bought I bought two rings for my wedding ring two rings, it was two point seven custom made but retail price will be up to five to six K so you can ask her because she she's a ring supplier for all these brands


so it's like you you don't go to shop you go straight to the wholesaler like that ya I can give you contact, oh, from where from where what brand


no I don't, ah ya you used to wear that oh my god I remember that ah ha back in back in poly


all right, (mmhmm) ya ya ya ya ya okay lah ya


see how it goes if you want if you want my contact also I let you know, ya because mine is quite quite Eday'S ring I paid for okay lah his ring is a bit a bit expensive for a guy's ring because he got it he got like


engraving lah whatever lah then the platinum he wants to be like then got stone lah whatever then I'm like okay but his was about one point seven, you look through whatever rings you like then you show the person the picture ah that's what I did lah


ya so my ring Eday'S one was one point seven platinum ring, , mine was two point seven for two rings one ring has a stone five point five carats stone I think and the other ring is uh uh three D eternity diamond ring


ya it's quite over the top lah but I don't wear jewelry so if I'm gonna wear something for the rest of my life go big or go home yo,


ya so you getting engaged this year is it, !woo!, Rio'S getting engaged !wow! and then how long are you guys going to be engaged for


honestly right because because of COVID you don't know when is this gonna end honestly and right now the packages are actually quite cheap so I would I if I were you I would I would advise you to get married just like by next year like early next year or or something


, right right right right ya ya ya ya ya I I know what you mean


I also want the sanding that's what I'm doing you I'm doing solemnisation first right and then three months later than I'm I'm go doing the wedding reception and then I get people who come to me and and then tell me like, oh you know you getting married then you you have three months to wait what if tak jadi and stuff then I'm like no lah don't say that lah like I want it to happen you know stupid sia


part one part one financial related topic, so for myself I invest my money based on inside information how how about you jennie


like I always ensure that I have certain inside information before I put in my money


is there like a good person that you usually would go to to oh you should recommend this person to me, , so like uh when you when you manage your finances in terms of your commitment did you do it before or after your marriage


I've also feel before marriage is better because like there's a certain amount of planning but of course I think after marriage there's more commitment expenses so that would lead to different way of


planning lah I mean you are the you are the only one marry ya apart from me I'm not married so uh do you do it differently after you're married, right because kids they has spent like more money for like


school and for like you know ya ya normal food and stuff like groceries also right , so did did did it changed in terms of your spending habits did you spend more on the children or and spend less on yourself because I believe I believe it will be like that right


ya I believe so I mean I don't have any children so I'm not exactly sure I'm still spending money on myself so, I'm still enjoying the uh the money, to myself so like do you think that having children would get you into debt


ya I think this is one of a important things that being like all the youngsters should take note, ya but I think one day if you plan for like house and children then you'll have to


probably be in debt lah I think uh I think I know quite a lot of people who are actually in debt because of like housing and car and children even I have friends who take uh renovation loans as well which to me is very scary lah to have to take loans just for renovation


so when you when you were actually creating your family you have never had a chance to get into debt, that's awesome that's awesome so what advice would you give someone if uh to get him or her out of debt


I think calculating is important,


I show you my finance sheet before right so so you usually ya I will just put like transportation, how much I spend and then like shopping or food and stuff and I'll just key in inside financial sheet so that one ah


ya I think it's not bad I had this habit uh for the past four years so I think it it has become a huge habit right now if I spend something and I don't put it into the sheets then I will not be comfortable it's like missing


ya so the sheet also includes like how much I earn and then like whether or not I make a loss that month or I make again that month whether I could save money or not ya so what are your thoughts on on like people spending on credit card I mean credit cards also lead to debts right


I got my credit card when I was nineteen years old during my first job, ya so then that's when because I needed it to like travel and spend overseas cause I was flying so uh that was the reason why I had credit card and then after that I went to sign up even more credit cards so I only had like one or two then when I was going to leave my job I sign up all the cards


ya, so that just in case if I don't have another job then I still have the credit cards because it's uh on credit, ya I think it's easier easier than this way, so what advice would you give to someone if they want to retire comfortably would they would you think that they were spending on like continue on credit cards and then get someone maybe their children to pay their bills or I mean that's also a form of retirement your children take care of you


I think it's good to plan early also lah, right so I feel that like at the end of the day it's still good to plan early because if you don't plan early then it's difficult to know park money at places that


you know it was banned and and then also plan in advance for rainy days ya I think this is also why people enjoy working for CPF so CPF help them to save money, so that so that next time they actually uh won't have to be so stressed which is a good thing from the government's point of view lah


I don't really manage my CPF savings I'm not sure about you jennie but I don't really I mean ya I don't really know what's in my CPF account


ah nice, cool well I don't have much knowledge for for those


to do it for you ah so I need someone like that in my life, so I feel that like for CPF managing like uh a lot of people just main purpose is to get a house because CPF they worked for for jobs so that they can have this CPF to get a house what what do you think what do you think about this


agree agree I feel that if if they have CPF right they also will not have to think so much in terms of like how much money they actually have in their bank so that they can have to pay for the house and stuff like that


so like I feel that chit-chatting with friends is a good way to make new decision making skills because like there are many blind spots in buying a house that you wouldn't know or not whether or not they have the capability to purchase it


so like for your CPF how long have you been accumulating it


ya same as me I think I was sixteen when I first had my first CPF I don't know whether that's allowed or not lah but when young [orh] when working since young and then I got that


ya so for for that right I actually realize that the government did help us a bit lah by putting all these uh savings and contributing these savings to us so that ya they can take good care of us as citizens


ya I feel that if we are able to you know make that, well I say commitment financial commitment to continue working and continue building the CPF then I think , life wouldn't be so difficult in singapore lah I think that's why a lot of people like singapore and enjoy working here cause I think the future is well thought of


no have not yet have you ya totally untouched ya


I think that's good but I never had a met a person to teach me how to do all these so I'm not very sure how to use it, ya so I feel that CPF if we when I'm old I can get it out as retirement is a good thing but I don't think a lot of people have a lot of money left in their CPF after they retire cause like


all used for housing and stuff so or children's education so I don't know how many people actually have money left in the CPF


this I agree this I agree ya (hmm)


what advice would you give to someone in order to you know perk increase their CPF


ah I see okay cool maybe maybe next time right because my only way that I can think of to increase CPF is to like increase your income ya


so like being self employed people won't have you know like a chance to increase their CPF but I don't know whether is it really necessary to increase the CPF as well, (hmm)


ah !wah! that's really smart


ya I heard about it and I saw a lot of people doing it as well I I did is this four percent good amount you feel


then that one will be more than four percent ya like investment wise I've done some I have four percent per month and for CPF it's four percent a year so that one that is a very huge difference ah cause four percent a month is like forty-eight percent per year


ya I made a lot during that investment time lah which lasted for about a a year and a half, ya so that one was quite a good time uh but after that then that didn't happen anymore so I only had that passive income for one and a half years ya how how about yourself what do you think about passive income


is it something that that you like or you feel that it's something that you nobody should go for


actually I wish the government can help us who those who like to do investment and then maybe can do something together like I think government ones the the investment from governments ah is quite safe right


ya I think I think that one is very long-term, but short-term wise I mean the gains are higher uh during this crisis a lot of people make good money just uh some of them buy copper and make good money so


ya I heard that where the crisis is is where you should make your purchase for stocks ya so like that time hong-kong had the crisis and then the rioting and then hong-kong shares was actually doing really well the stock exchange market ya


ya so it's interesting how people put their money


part three negative experiences negative experiences is, something that I truly want to avoid because I don't believe that it's something that I want I mean nobody wants to have negativity or negative experiences I'm sure jennie you also don't want that right


ya I think the one that makes me uh actually I don't really think I'm usually angry or sad unless like maybe think I am most negative when people don't get me so like when I say something and then people like


don't get it then I feel like eh how come this person don't get it then I'll have I'll have negative experiences, but then like other than that I hardly, get angry so how about you do you get angry


ya and also I feel like if I don't get to travel it has also made me negative as well because I don't get to go out to get, fresh air because I a fresh as in like a new environment to get inspiration and to gain that happiness so


when there's an accumulative amount then I think that actually can harm someone and I don't think I'm the only one I feel that many people are also hoping to get out of singapore, to


ya I I think cause the reason I exercise is that I just want to be skinny not exactly to get a positive maybe in my brain says oh I want to get out of my negative environment then I exercise , then maybe it might help but I exercise because I just want to be skinny so like to just get the health lah not exactly for like positive energy


yes I agree I think non-stop shopping is also one of the things that I do when I meet a a negative experience I call it retail therapy but I don't go to like big shops lah I usually go to Daiso and I just buy all the mickey mouse things there ya two dollar mah very cheap mah


ya and then they have so many mickey mouse things and you know how much I like mickey mouse so daiso is a great retail therapy place


ah cooking ya cheap and good so , I think insects disgust me I don't really like nature so I don't quite like like reptiles and stuff like that


disgust me ah I think in terms of that lah but in terms of negative experience I don't think I have any disgust to anyone, not that I can think of what about you


ya but I I think when people flare at me I'm still quite okay because if you are not close to me then you wouldn't flare at me so that's how I usually see so like


ya then you communicate then only then you can solve that problem ya, so like what is your greatest fear


I'm sure they will be well taken care of


my greatest fear is to not be able to give my family a good life I think I don't maybe ghost ah ghost my greatest fear is ghosts


because when I was flying then I heard a lots of ghost story so or horror movies I don't like to watch horror movie cause I'm I'm fearful of horror movies too


so I think this is my greatest fear other than that then it's like life related would be uh not being able to give my family a good life


I don't remember seeing any ghost yet lah but somehow I, don't like those you know teeth and then you can see all the the joss stick at, the floor and then people praying right, then I just don't don't quite like it I always feel that the ghost is sitting there smelling the smoke


is it like a shadow


what are they wearing normal clothes oh okay that's really interesting


is there like a event that maybe maybe, you saw that dream but then this person didn't die


I mean this hasn't happened to me before I have not seen anything yet but, I'm always hearing stories like how people in the hotel they can hear hangers being drifted or like people touching them in the bed but there's actually no one it's just the stewardesses themself in the bedroom so


uh there was once I had someone coming into my room so this person actually had my room key


then I couldn't see anything cause my degree was so high it was nine hundred didn't have my spectacles can't ya can't see anything and then uh the door just opened but you know I latch the metal thing right so you can't actually come in my room, so I was like wondering who that was until today I still don't know who that was


like I have no idea what was trying to come I don't know there was no sound ya, so I uh I don't know what what that was but lucky thing the metal thing was on so uh I always ensure that the metal thing is closed that that is a good invention actually


no I was too young to bother I was so tired I just went to sleep like it I was already sleeping and then that happened then I just went back to sleep it wasn't like I didn't put in too much attention maybe cause I was young


is there any movies that you don't like to watch because it makes you angry, I think for me is more documentaries movie I don't have any movie that I watch until I become angry don't have but but documentaries have like


uh how maybe world war two or like how


ya but the thing about how they have done in the past I think it's quite quite scary that actually someone went through that although we are also like going through war now with COVID lah


ya it's quite sad to see businesses go down I think in war businesses go down too but to see right now the brands that we know for example AirBnB I think, like I've used them I've used them so often and I didn't have any negative experience with using AirBnB but I think the COVID has given AirBnB a huge amount of negative experience because a business of twelve years is now gone down by you know within six weeks and


it's quite sad to if if I'm the business owner or if I'm working with them I am not sure, how life would have been so far ya because, they created a solution that can help people make money as well as help give people a place to stay at a cheaper rate compared to hotels but then now because of


the COVID situation then they cannot even support their team right now which is quite sad lah from a solution giver become like become where they are so sad


ya there's a so many I'm sure there are many that is not even found in the news


mental part is the tough one mental problems ya caused by COVID I think the to get out of it's not just based on medication there's a lot more


to that ya I think if you are sick at least medication can help you but if it's mentally sick then I, it's not gonna be easy to solve


your heart is too kind


I don't think I will ever feel this way if I had meet this situation but I can only say this person has to maybe find god and then get god to solve this issue for them cause like I believe in in the universe your life is based on what you what you think your life is going to be


so yeah I feel that maybe someone in their hierarchy of their hierarchy tree did a mistake to cause their life to be like that I don't think anyone should be poor or anyone deserve to be poor but if you are lazy then


I always see people your life is you deserve it one so I don't really feel what you feel cause if you are where you are then it's because of your past decision that you have done last time so is either you ya is either you make your decision better now so that in your future you don't have this kind of life or like you you know


make sure you do some changes lah but of course if you are born into the wrong family then that one I'm not sure how to to handle but you can only change your future so just make sure like your kids don't have the same treatment so everything is still within your own hand so


I don't really feel what you feel I don't think I have a heart of gold that's why I not kind enough lah I'm I will believe that you created your own life so ya lor I don't feel what you feel


part two positive experiences I love positive experiences because it's something that I hold very close to my heart like to be positive on a daily basis is something that I make sure I do so and I think jennie you also like that right


ya and I think I feel positive most when I am traveling because traveling gives me the highest amount of happiness, so now I'm in the depressed mode


reading makes me happy too but nowadays I've been a little lazy so I just watch Netflix and Netflix makes me happy too, so ya I watch like Netflix documentary so I kind of gain some positivity out of it because I've understanding the history or the things that people do behind the scene that I don't get to see often so


ya so that gives uh some cherish and treasure kind of uh thought process that creates that positive uh mindset lah, so what's the most proud moment of your life when are you the proudest


when your daughter did well for bowling


so the environment affects you and if the environment is unhappy


okay for me I feel proud actually I feel proud every day I'm a proud person, , I think that my life has been very blessed by god I am given a great family great job great friends


I don't really have a lot of hardships in fact I don't think I have any hardships the only hardships I have is how to make more money which is like the worse least problem I mean thinking on how to make money and that's just your only problem is really the worst this problem I don't have any hunger issues I don't have any like


no health issues so I feel proud every day, but of course if I look at like people's life who stay in like big bungalow and, you know they have a house that has got seven bedroom and a nice swimming pool


then maybe I will not feel so proud but I mean how many people, actually live those life so I learn how to cherish what I can cherish right now


right I think there's something that I haven't learned yet cause I always have the syndrome have you ever heard of the syndrome, ya, so it means the grass is greener on the other side so I always feel this way like I always


ya then from envy I will try to make that happen to my life so when someone has that then I will try, to like make sure I have it too in whatever way that I can


ya I always have that but sometimes is too ambitious and it drives uh, very negative uh how should I put it negative energy, because if you don't get it then you'll become disappointed because you have high expectations so when you don't have that expectation it might make someone actually happier


so then that's when I learned how to like manage the expectations so that you you know I don't have to deal with the the sadness or the disappointment


I think till today I still think about my singapore airline travelling life I think I quite enjoy it but due to my environment I had a lot of friends around me back then that, I couldn't meet very often and because they meet really often they become very close then I felt very left out but now that I think about it I should not have felt this way because these friends all have their own lives now and then like we're not really much in contact so


to actually leave the job for friends whom you don't contact now I think it's a bit silly lah which I had, in the past so uh I still miss my flying days and, but then again I prefer to travel with my own money so I still don't regret quitting my job so after that I I make good income through investment and then I just travel wherever I want to and twenty seventeen twenty eighteen and twenty nineteen has actually been the best years of my life


ya so I don't have any specific travel experience actually all my travel experience are like the best because from different people mah


well I don't I totally dislike solo traveling I feel that if I do it on myself solo then there's no objective and there's no purpose, ya small group is good ya small groups


feel more tired ya I'm also like that


ya I think that hard work eventually pays off because like , you see the happiness from people and then ya you still feel that like oh that even though you are tired it's still worth it


oh okay mah at least your job scope has been made into half, oh for my end it's more like I do what you and your husband do myself and then after that I have a skeleton and then when I'm there then I just leave it to my whole family to decide what they want to do


so there are like options and then you just choose where you wanna go but usually when you plan for travel it's always based on locations ah so like this entire area will have this, few touristy places and then the entire area will have this touristy places all of these will be covered in the same day so you choose which are the touristy places you want to choose out of all the examples given and I will print it out and then we'll bring that printed paper our overseas and just read only when they are there


so I will have one brother who would be the compass manager so he will be the direction goers where he will take the compass I mean the handphone maps and then just walk to wherever we want ya so <NEN> we just split the split the job scope ya


ya maybe next time you will do that, yes yes I'm sure they will enjoy that very much so what is the best surprise your kids has given you have given you


is there like a gift or present or like a thing that they've planned for you that gave you like the best surprise


, ya that's the sweetest moments that mums get I'm sure I'm sure there's many more, my best surprise from my kids I don't have


, uh my best surprise ah I enjoy presents that I like lah so for example I tell you oh actually jennie I like this, present then after that you buy for me then I also very happy I'm a gifts person so, any gift is a surprise even if it's like I tell you to buy for me I will still be surprised because I will not believe why people will spend money on me so ya


like, you like money is so hard earned then why would you spend it on me you should spend it on yourself so like when people buy me gifts I feel like oh !wah! this person has given me something that he or she could have bought for him or herself but then want to buy for me so


oh but of course this may not work to people who are super rich lah cause if they're super rich then money, like mean nothing to them but uh I don't have any super rich friends so


so you guys wrote letters to each other, and then you will reply the letter !wow! that's really cool so maybe maybe now maybe now you'll find him on facebook


, or instagram are you you guys are no longer in in touch, so are you all still in still keeping in touch with one another


!wah! I think that's a very blessed experience for him because like for someone to have supported him is life changing


would would you want to for for the for the young boy that you sponsored what what do you think that will you do you see yourself like maybe one day heading over to cambodia to to meet him like what what is there any future that you talk off with him


I feel that it's super life changing for him, maybe one day he will when he can work and have money then he will save up money to come singapore to find you I'm sure that will be the most positive experience already


oh okay okay ah okay okay I thought I thought you were the only one, then the young boy have the write so many letters to the the people in singapore


oh !wow! cool


I think he feel like he will definitely feel that he's very lucky to have so many people supporting him compared to other children whom probably didn't get this support


ya like you said that he gets to go to school and you know and get an education that would already be life changing enough because the job that he get and the lifestyle that he'll have would be totally different, from the rural area kids so


ya hopefully he gets to come to singapore and find you then maybe I have a chance to meet him, ya cause I went to cambodia, last year, I was suppose to go ya


it's it's like vietnam now they are so they're like third world to first world, so heading over and they speak very good english there as well so it's actually a good tourist spot which I don't know why nobody's going there yet


cause people speak good english there and there's no communication barrier but yet nobody is traveling there and the temples there are really beautiful and it's very instagrammable but yet nobody goes there and it's so near and it's so cheap to travel there so I don't know why it is not ya


ya so hopefully one day I get to go back and see because it's so big and I only went to one part of cambodia I was supposed to go to the other part this year but because of COVID lah this COVID nineteen is tough


okay so hopefully I will not die of depression so I, wait I really can't wait to like get out of singapore actually but it's too dangerous and when we go out the government won't take care of us so, better not go out at all ya


financial related topic


I will do my own research and my banker will actually service my account so I based on there then I invest my money into different portfolio


, uh I do it before, but, but from time to time I will actually uh evaluate with my uh banker or agent


yes


uh yes in fact uh it will have huge changes after kids are born, ya yes


yes I I tend to stinge more on my own self and then in terms of uh their their education and uh family health uh personal thing


uh that part I will still maintain, , that's nice


I would not think in that way but more of like uh once when you really have a family you will think of a proper family planning and when you have kids I I I mean for me when when I started to have my own kids first thing is I'll make sure that they're


they're insured they're covered and then I will also think of uh eighteen years planned down the road whereby touch wood in case if, I'm gone they will still be able to fulfil their educational plan


but if let's say you are not married you're you have no kids then I don't think all this will be into your concern too


for me it's because since young I'm very conservative and I will actually settle things step by step within my means so uh before marriage I'll try to settle all my parents thing first


then followed by when I know that I'm going to have a partner and and I know my character is that I will definitely want to set up family then I'll go step by step towards the family planning


uh touch wood so far okay I will do calculated risk, spend within our means ah and don't uh


ya actually I fail my maths I don't really calculate a lot just that I I will try to spend within my own limitation so I'm not a person that will actually go for a flashy car or flashy house or or branded stuff, occasionally I'll spend more on food or on travelling uh or on on


my loved ones ya, that, that is what I'm splurged on ah, ya which I find that you are very disciplined


which I find that this is very good this is very good


and you're already work according to the sheet and you won't miss out one ah !wah! I cannot


yes and I think it's very normal now especially uh this COVID time a lot of people will actually have to take up loan or spend uh so-called unaccountable kind of funds that we have, uh ya


so everyone will own a credit card so long as they have their income kept there uh I believe you also have right, ah same here


oh okay


true true a lot of ya, a lot uh, are like that even I myself also ya, yes


once when you have children right very hard to have savings or so-called a significant savings so, uh I would suggest that when they're single when they uh have the capability to earn , uh that is also the the the time that they should actually also think of investment because based on a regular fixed income right once when you have family commitment honestly it's not enough


uh I'm, find that CPF is a good thing, uh I know, some people don't like CPF because uh, like , uh they're being locked now or you know you have to wait until old age then you can actually take out the money but I think in terms of the interest rate and the the way uh


our government is is is trying to protect everyone that when it comes to old age at least they have some money to look, ya and the the hospitalisation plan and the health shield plan I think it's a it's a it's a must [orh] for me it's a essentials thing ya


ya, yes and CPF they have the so-called the special, account, whereby actually the interest rate among all the banks or so-called other investment I find that it's still the highest


ya and safest , I don't manage too and uh


I think part of my savings actually divert to insurance and some of my insurance actually go into investment, (uh huh), and I do play a little bit of dividend shares that means uh I buy those uh value investing company shares


I I don't have to I actually get a banker or a broker to help me yes,


yes uh it's it's very okay because for me not so much in terms of the, house side I like CPF it's because of the retirement plan as well as the medishield side that means anyone of the family uh members touch wood go into hospital there's one portion that I I I find that I don't need to worry [orh]


for me it's I will actually, uh, because I'm self employed for many years so my CPF it's like a, a fixed annual kind of thingy that I will separate out


so uh I will do some uh personal investment as well to, perk up the the planning that


since seventeen years old, me too


yes I also feel in that way and I feel that a lot of people actually don't really have that discipline to really control how much you want to put aside for saving so I I am one of them so I feel that that is also one part that you know CPF can actually really control us


at the age of sixty sixty five then I take out I to me I'm fine


, do you actually use your CPF and go into any investment, totally untouched uh yes I do ya


but it's like uh more of a long-term endowment thingy or investment thingy ya,


can if I want leh yes


plan for a discussion on this ah I I I actually kind of worried that you know actually a lot of those low income one they might not have enough CPF or so-called retirement savings later part


ya,


reduce their income tax or increase the CPF increase the CPF ah, uh that is where I actually uh but it's calculated risk ah I don't do uh too high risk investment I actually park


a portion of my uh special accounts amount to a long-term low risk investment link, ah uh but whether


will that really mix or not to be honest now I I I I dare not say anything yet but uh by right if let's say really follow through the plan by, then, I hit that rate uh the actually the CPF savings will actually perk up uh than the normal range


earn more ya earn more ya


yes uh okay for example myself right I will notice that the highest CPF amount that I can contribute is actually during my age thirties then once when your kids are growing up and then they they actually need some


uh so-called funds uh to studies and uh old age because for my for my, self right now is at the sandwiched generation, so we'll we'll have old folks going to medical you know hospitalisation et cetera even


I myself also have, hospitalisation issue before the past two years, so I can use the the the MediShield save account to actually deduct but once when you deduct it it's going to lower down the, the, amount so uh because of my uh investment thingy uh


it will still somehow helps a little bit so every year what I did is as I said I'm a self-employed uh person so whatever investment that I did from the bank I will transfer some portion to the CPF side


I, ya because CPF government is giving a certain percentage which the the interest rate is actually still the highest, ah correct, ya because bank can't give that kind of offer mah


, so far it's the safest and the highest unless, you willing to do some risk investment


uh ya


then actually you make a lot what, (uh huh) if every month you have four percent by then one year you already hit more than what you want


I do invest on company dividend shares, but uh again it's a it's a it's a , it's your it's your it's your, so-called how you how you gauge uh how you analyse that company growth and then you go and investment I I dare not say a guarantee amount but so far so good


uh and I invest in company like Vicom that their shares will always just go up and won't, sorry ah touch wood won't go down down that kind of thing so the dividends end year is actually quite significant


normally safe the return won't be very solid ya err can only say at the very safe side, so that's why uh even though, we we actually go for those kind of like company investment or I call value investing in company share uh I actually go through uh very senior banker uh for them to actually


uh, to give me that kind of assurance uh I mean that that is really very personal preference already, that they they they has been in the market for so long and then from there okay uh based on insider news then we go in and it's, normally long-term uh it's not like those kind of like stocks and shares like you you in out in out you buy at low rate you you sell at high rate no I never go for all these


ya


true true for example, yes now malaysia side rubber is doing very well


yes sometime crisis is also equals to opportunity so some people they will base on that and then they will actually start to uh do some transaction based on that that commodity or that that particular products that you know are in demand


part three negative experiences


yes uh ya I don't think anyone like it and uh that's why at times sensitive words or so-called uh the way how we actually do certain things


uh just have to be very sensitive towards the the the group or the people


ah me too me too ya


uh same here I I I I think we are all human we have our feelings uh so yes I will easily get very upset when people don't understand or misunderstood uh me but I know


it it in a way , I can't change a person mindset and I I I don't think, it's something that uh it's able to avoid because it's like from young till old age definitely there will be uh some days or some times of some incidents that


uh, otherwise or think otherwise then and you can't change that thing so it's either you solve it if not you just have to take a a step back and and and leave it


does exercise help because I I know that you are very uh good in exercise and exercise every day and I heard that you know exercise actually give out positive energy does that help


oh okay


for me I have a few way when I get very angry or very upset either I will step out of the house uh, uh, I would either go to the park if I can't drive I will go to a park which is just nearby my house if not


uh if I can drive I'll drive to a, a very deserted area or sea side or anything and just cool down myself or maybe, , I have a very strange character, I will that period of time I'll make myself very very busy with certain things like maybe uh non-stop drawing or non-stop cooking uh non-stop buying thing ya


oh Daiso eh that's a the a favorite place that I like to go


that's nice I I like to bought uh I like to buy a lot of their cake uh cooking decoration stuff


unless it's violent act ya, or so-called for clarity act uh other than that normally I will I will still feel quite okay because I find that like I say it's very natural for people to have


uh, you know sometime flying out their anger or their, unhappiness


yes yes and I always think in uh in uh I'll I'll try to think in a very positive angle, sometimes uh, by having this unhappiness it makes you understand that party more and if you really treasure that party then that is the


uh the, the incident that cause you to reflect and see whether, both parties or all parties want to change or don't want to change


uh, ya having no money or dogs coming to me I'm very scared of dogs ya, uh, I will worry if one day out of sudden I just leave the world then what is going to happen to my loved ones so so I normally I have


that tendency that I will always plan that if one day I'm going to die then at least they have something left behind, how about you


the the the ghost ah oh okay


there was a period of time I can see I can feel I can I I can see, something that normal person can't really see but I I I happen to see it


uh no sometime it's like uh, , it's it's like normal human being that just that they, I, uh but I know that they are not human


uh some of the, some of the, the expression can already or some of the behavior can already tell me that this is not a normal human so some are some are


normal clothes some it's like it's just a shadow ya ya or , I have that kind of anxiety it's like how to put it


I can I can dream of certain things or I can know I can dream of some some person that very close to me that going to pass away and then the next moment or the next day this person really just leave


ya I have a few times like that so whenever I have such dream right I will feel very insecured for a period of time then I know uh right after that the things will happen


yes yes ah yes, but sometimes it's like in the dream I can see exactly how this person or this, incident going to happen, then for example natural disaster I can dream of certain things like landslides or or heavy dark water or anything then then not long later something really happened exactly the same I have a few times of encounter like that


then that can become my internal fear because if I don't say out right maybe still have a chance to, ya I I from young I I feel sometimes it can be like that that but the moment if I go and say out or what right then not long later this thing might just happen


sometimes it's the size uh size and, the environment I don't know uh that actually cause that kind of uh certain things to react


do you report do you report to the concierge or the


ya war war thing war show I don't like, uh not, that they are not well done but I will just feel that you know certain parts might be too violence or or too upset that will trigger some unhappy feelings


but then it's a it's a it's a different different handling I find that this COVID at least it's we know that uh there's virus in our body and everybody is trying to save or protect you know that kind of that kind of situation


yes and I also can see from this COVID uh


not a lot not not all humans, are are, how should I put it are blessed some have special needs or special care uh, within their family and because of the frustration or because of the anxiety it become violent act or so-called


uh, not that they wanted but then they just couldn't control themselves then it become like abusing (uh huh) and some uh ended up uh because of financial issue because of, uh business uh


have nowhere to go it's like all way down and then there's a lot of like mortgage loans bills expenses et cetera that actually, this is something that uh, my recent fear and ups things that I feel I'm very uncomfortable to to to hear about to see or even when I read the newspaper I might be very


worried that you know who are the people who actually shut down their business or bankruptcy lease or even, people who actually attempted suicide or committed suicide


ya and divorce rate also went up uh I I think these, these these are the tension that very unfortunate that happen recently and I believe more to come


in fact uh during this COVID period I am one of the volunteers to go and distribute food and and hand sanitizers and mask et cetera right I actually


there are certain events I cannot control my tears, and after that I I find that I need, to have a certain time frame to overcome ya, correct to make myself happier and to think of how to help them but then actually you know that that it so much help that we can offer the rest are seriously beyond our control then I'll find myself very helpless and useless


not really but how to put it it's like if I'm richer if I'm able to afford maybe I can do more but then, that there is so much that we can do because some some cases it's not just money issue it's because of they have special needs or they have special care person at home


I I do feel that you know some, uh, I believe in karma I believe in , some things are fated some some people are born in in that kind of environment or that kind of country or that kind of uh they have to go through that that that stages that unhappiness stages et cetera but some are lucky enough that you know because of


they born in another family and then they have a different aspect that's why they have a chance to change the situation we are consider the lucky one as in not so bad and we still can have that time


and and self management to make certain changes better but some people honestly somehow some, times I feel that I think it's better for them to you know die first then they they they they restart


a new life from somewhere then then then they can change otherwise it will be just like that it's not about how much external people can help, because some are sick some are some are mental ill some are having some uh


family issues that's very very hard to resolve


part two positive experiences


yes I believe in law of attractions so a lot of times in in life, I always believe that you know all people have ups and downs but, uh it's how positive we are going to switch our mind, to the angle that we want then from there I will see how to get a certain solution out of it


then now cannot travel how , okay uh for me how I actually trying to build my positive uh experiences


is uh whenever I'm down I'll think of some happy things uh or so-called look at other people you know look at some people to who are, maybe even worse than us, then uh from there I will tell myself that you know you are not the worst or you're not really to the that that deep low down point and


uh personally I read a lot uh be it whether, uh a book or a digital I will tend to when I'm down either I go to a cooling place to cool down myself if not I will just do reading


yes I enjoy netflix too, great


proudest ah, actually when both, my daughter and son when they graduate from the the the nursery school when they have the graduation uh uh performance


uh I I find that it's a very mixed feeling ya I find proud I find happy, I find very contented that !wah! finally they graduate even though they are still at the, K one K two that kind of you know from it's like a passing out from a journey to a journey uh ya that makes me happy or you know uh ah I'm very easily contented uh when


the old folks feel that they are happy I will feel very happy when my hubby feel happy I'll feel very happy so it, yes correct how about yourself, uh then I will tend to move away, aside first then I will become very silent


uh, I will either think of a solution, if not I will see whether do I make do I need to make any decision to solve this, that's nice but what makes you feel proud


that's good ya so I I think happiness come from our mindset ya


I I don't really envy that kind of a, because I feel that ya to me it's that I find that


every household have their own uh up and down their happiness and their grievance you know that kind of stuff so, I I'm kind of like easily to tell myself that okay I'm contented with certain things but uh based


on my uh time or my health or my, abilities I can further improve that, so I don't really take others uh performance or or, or their so-called their their achievement to gauge myself I actually gauge on my own


uh yes I heard a lot people saying that


sometimes sometimes I do envy, that's good lah at least that is the way to make sure that you know you you you have a goal mah


and earlier on you mentioned that if you're not happy you will actually go and travel around so is there any travel experience that left you in awe


think I'm blessed in a sense that during my early twenties to mid-thirties uh I travel very uh I I travel frequently in fact it's like every month I'm not in singapore


but I'm not a a a a stewardess but more because of my work plus uh my hubby, uh uh he's in the, oil and gas industry so he he has to be, out of singapore to work so uh I kind of like tag along and


due to my character I'm able to uh I can't read a map ah to be honest but I have that kind of sixth sense that I will know where I want to walk to where I want to travel I dare to ask people when I'm lost et cetera so I kind of like solo traveling ya


or I don't mind like you know travel in uh two or three person that means not group tour ya because sometime I find that ah I do have like twice a year family trip but I'm like a tour guide I'm like a planner organizer by then I come back from the trip I find myself very very tired ya yes


ya but I I will I will know that I need to do that because I want to make them feel that you know that is the family most precious moments and and for them to enjoy the vacation so, I will still plan for that


yes so no matter how I will still plan one year at least minimum two trip with my family and and of course my my hubby is the one who is doing more of the planning work lah but I'm more planning


for the the the he plan for the the the, entire trip the itinerary et cetera but I plan for the whole family how we should actually get together and do the things together, then after that we'll share share when you know when when you when you reach the destination that that is the part that everybody have to chip in to give in and take that kind of stuff


ah that's nice ya, , for me it's because uh uh one side is too young one side is too old so the the the whole thing just have to leave the task to us maybe I have to wait until when my kids a little bit older than maybe I can pass on this


leadership to them they plan they they they guide us where to go where to eat !wah! that would be a nice yes yes


to you might might might feel nothing I think for me the the biggest and and the most memorable one is , uh I think last year I had the, fall injury I can't really do much thing on my own they actually without helper they actually make the breakfast they actually try themself to do some housework and then they did a very uh nice booklet


that actually uh it's their simple drawing it might look ugly to the adult but, to me it looks very beautifully done and very heartwarming they will put a lot of uh very sweet words inside every page and two of them actually do it together and said that you know uh


mummy I know now might be your down period but every day when you're not happy please look at this booklet and this will actually gave a smile back to you which I find that this thing until


no from anything


actually since we are talking about rewards surprise uh and and travelling right I think there's one part I I can share with you uh


, I when I'm single I because I married six years then I finally have kids right, so there was six years uh I actually every year went overseas to do charity be it whether, build a house or do some cookings or or you know those ah orphanage or old age so I actually


uh, so-called helped to raise a, cambodia kid and, ya so there was a down period that I thought I have no kids mah so uh, this boy actually send me a card it's not something valuable but to me I find so heartwarming he actually said that


you are a thai girl and you have been supporting me and now I'm in school because uh cambodia side, able to go to school one to be honest is is, very blessing kind of uh ya so so he said that


uh, god will bless you uh, you know something like this make me feel very hopeful and happy and I feel that yes maybe what she he say is right maybe just that the time is not there yet one day I will get it


now stopped uh but used to be like you know every month he will send one letter


, uh he found me he found me on facebook and he already grown up ya ya he's already a teenager,


uh yes yes ya


I'm happy I'm happy with that ya, , for you mean for him or for my kids, uh


I would hope so but because now everything become a a a


I I never travel to cambodia for years already so, and I'm a person that I I I dare not say any commitment but I just deep in my heart hope that you know he will be okay he will be doing well and when he become a promising young guy at least I did something right at the very beginning start


that I , that I never give up on him and I keep on encouraging him I say that you know at least there is a chance for him to become something else if you don't give up


I hope so but then during that time ah uh, one child right have a few uh people supporting one so I might not be the only one ya


I'm not too sure but during my time with him right uh I'm the only one then subsequently when he found me on the Facebook right he did said that he have actually uh three


uh person helping him so they have a organization being formed there to help this uh whole lot of orphanage ya


oh yes yes he did said so ya correct


yes yes I'm open to that I hope so too


I think he'll changes already right a lot of changes ya


no I believe it will develop


I believe it will open up it will open up I I can, see lots of changes going on uh for the past few years


the, global pandemic issue quickly get over and then we can actually start to travel as per normal but , I just heard that the news saying that uh this thing won't won't won't settle so fast at least three to five years down the road


ya I find that we are still consider the luckiest one, compared to a lot uh a lot of people uh from different, different country I think singaporeans are still very blessed


uh part one financial related, okay part one, financial related topic


save lor put money put uh money in the bank usually to save the money then try to buy a property to investment property


then some insurance, savings insurance and all that lor what about you


when you buy big uh ticket items for example like house and car and all that, that people should also consider some strategies and do not over commit lor I always think that it must beyond I mean not beyond your means lah


must be something must be calculated lah something that you can you can actually uh afford , and not stretch yourself too much lah I I I I know that, steps there are people who struggle because maybe they over commit in some properties you know because everyone wants to accumulate wealth that that is for sure


ya lor but for you what do you how do how different it is before and after marriage with when you in terms of your financial uh commitments I mean how you manage it before and after marriage


!aiya! I think before marriage for me is just have extra save don't have too bad just spend spend and then if try to have some savings ah but the savings is not not significant is just like


the lifestyle is just spend whatever you can and then try to save a, bit maybe you know twenty percent or ten percent of your salary you know which you don't see any , uh uh a huge impact but then after marriage already it becomes it becomes a more pressing pressure because you you want to be able to


to afford to live better then you know but still I didn't, didn't uh uh not like a lot of other people who did like a joint savings joint account I I didn't really do that it was still myself trying to save more money and uh you know never really had


like a joint efforts lah in that sense so the only difference is the more pressure to try to save more but after marriage also you you realise you have a lot more, financial commitments because you want plan for kids you want plan for


a car you want to plan for bigger house so it it I think is drastically different because before marriage it was there was not much pressure, at all, !haiya! that's that's what I think lah but then


, uh maybe most people are like that lah I assume


ya anyway I think COVID is a big big uh , chaos personally I think it is thrown everything off balance for a lot of uh people uh because we keep reading about all these


chaos all around the world personally for me err with this COVID you know I realised that uh a lot of things are not necessary so I I completely cut down, spending in terms of buying things that are


unnecessary you know because of working from home studying from I realised I stopped buying I stopped buying cosmetics skin care I stopped buying clothes I stopped buying shoes because is not, uh, uh not only that there is no need and necessity for it I don't even feel that I have the


the the the the uh appeal you know I I don't even feel I'm I I am tempted to to buy not like uh before pre COVID you know now though all these things don't seem essential to me anymore I think the whole allows two three months


or in in fact uh more than two three months the whole entire locked down plus the as soon as after february until now six months probably most of the money is just spent on essential, household groceries food lah a lot of the money spent on food uh I don't remember spending anything on like even clothes or shoes or any


this was mainly groceries, and I also think there is also a bit of a sense of like a, of a a a fear and urgency that's why it is kind of affecting your buying you tend to stock up a bit more I don't know about you are are you still spending like normal or same


ya I think as a same ah every where most of the people but of course there's also I think we also read and heard, about uh uh, a many worse of cases lah I mean the lucky ones would probably be able to


have more bonding still have food on the table but probably there are a lot of countries and a lot of other families maybe the low income one I believe that in this period of time they will be feeling it double lah


ya lah I mean definitely I I would also think so I mean at this point I I don't know I mean do you, uh what do you think about in , uh uh uh like, people uh in debt and what do you think about like people uh should people still uh have credit cards or I mean what what are your feelings about about


uh, uh the financial part of it like uh as we know, not with or without COVID there're still people who may be in debt and then do you think, that , it it's good to actually hold a credit card


personally think that carrying credit card is actually good you know I find that there's a lot of conveniences uh but like you say I agree lah you will have is a dangerous thing but I personally enjoy and


and, like you know different credit card got maybe different perks different discounts or different benefits like, after, that you can exchange for rewards and all that I I think that having a credit card is a good thing


and I I also think that it makes things very convenient because uh not all the time we have a lot of cash with us so even if you want to buy something uh we we still be able to buy it without having to go and


find you know draw cash and then bring cash also safety lah but I so I think credit card is uh a good thing for me but then now, ya, ya but it's about managing the financial part of it lor and also I mean the bad part of it is now like of course there is overspending but there's also like more and more fraud credit card


uh, and then there's also , uh uh sometimes if we hold too many cards sometimes even if one is stolen I think some people don't even notice so the managing part I do agree lah it is important uh I I know of uh friends who actually just believe in holding one card


and then, uh if they use that credit uh limit that's it because the there won't be more that's how they manage, themselves and they also know if the card is missing because they only have one versus others who maybe you have four cards or five cards sometimes really when one is missing uh you you take uh uh a lot longer


to find out than that person who have just one card so I think but I mean I still feel that it's good to have a credit card is something not should not be taken away lah especially if you travel overseas or you go anywhere that you don't want to have so much cash I think credit card is still


actually hor for a long time I haven't really been thinking, even though that I should be thinking and I also see a lot of advertisements on TV and all that I but you know you just feel like it's far away so I never really give uh much thought about retirement but then I I with this COVID and with more time I started to think more


about how to retire comfortably how much money do we actually need actually you ask me I don't really have a concrete answer yet but the only answer I can give you I want to retire comfortably I think everybody wants to retire comfortably because it's scary to see


many old people still working at seventy eighty years old I'd of course don't wish to be in that position but what eh what if you ask me what concrete plans have I made for retirement I don't think I have made very very extensive plan


now I only just start to think about how to make my money grow a bit more for me, then then, pre COVID no time to think about all this no time to think just had just maybe have some money


park there but no time to think about it or maybe uh the money uh I may need it for rainy days so never really give much thought and it's not growing it's not doing justice but now now you know more time to think about


how to make the money work harder how to uh what kind of a, money how much money I need for retirement and how can I retire more comfortably so now only honestly after so many years that I'm only just started thinking about it and started talking to


banks uh to ask them uh never in all my past last what thirty forty years even know how does funds work bonds work unit trust work no idea at all only now I just start to explore I still don't know much


but I am hoping that I can, make some, whether it's dividends or some money uh out of it so is only really now that I, I'm beginning to think uh about all this retirement finance management planning and all that still not uh still don't know a lot but uh only just starting to think about it now I don't know have you made retirement plans I mean do you


I think uh I I mean I've spoken to some friends and all that I feel, that , in general not many people have a very concrete, retirement plan some have like big numbers in their mind they think that they need X X X millions of dollars


then they can retire which I don't know how they justify that but and then some of my friends mention oh I would need and I want this like uh uh to have at least you know a passive income of nine ten thousand dollar a month when I retire so


so with this kind of uh numbers ah uh it's quite scary because it seems like how long can you take to accumulate this kind of uh uh wealth before you can actually retire I I also feel that even


my circle of friends not many are, that are very concrete in their retirement planning you know it's very vague, uh ya, it is very is is is is quite vague everybody has their own ideas or their own own own mindset


but but I conclude that not many of them can, can very strongly and confidently say that eh I can you know, I am all set I am, I can retire uh comfortably don't worry about me I I don't think I have met many people that can actually be be so confident in saying that yet so it


ya I I I don't know about this in singapore whether how many people are are uh, that confident lah you know especially those with elderly with children maybe uh they're they're still quite unsure lah but uh at least


they they have, many people has uh their CPF to so called rely on lah and they rely on that part of it as their retirement hopefully as their retirement income but but many also realised that just the CPF may not be completely enough they need to supplement it ya


uh part three negative experiences


!wah! I think uh depending on the intensity lah there must be plenty I mean we are in our forties so there must be many plenty negative experiences is just that I feel many negative experiences were


very intense at that moment when you felt it but maybe after awhile when you look back and think it wasn't that bad, you know uh so I can my I I can think of, quite many you know when, uh uh


that I have I think uh maybe common or ones I can I can , I can recall will be like things like, office politics lor sometimes you you it's really negative when you


you to the if to the effect that even you dread to go to work because of uh you know very political office environment or colleagues or negative they may not be some okay maybe specifically targeting you some may not be specifically


targeting you just the environment is quite toxic maybe because it's too competitive or everybody's fighting for sales or everybody is fighting for something and then that kind of negative experience is not like a one time is a general overall mood


that makes you you know overall it it gives you a lot of negative vibes and then I feel I'm very scared of all those because you feel your whole person is being dragged, and it's not uh like uh okay one time he's rude to me forget it tomorrow is another new day


I feel like if it's a whole entire negative environment or toxic and rough it becomes uh you'll become overwhelmed sometime then it may rub on you and you become more negative, or and I don't personally I hate


and I also always remind myself to to stay away from people who is very obviously overly toxic or overly negative because no matter how, positive you may be it kind of rub off on you a bit then you tend to look at things more gloomy


or things that should be uh very neutral it becomes kind of , gloomy to you or things that uh should be very positive but you just brush it off as no big deal lah so I think all those negative vibes can have this kind of impact on you to make you appreciate things less


I don't know how you feel


ya I also I mean recall bad experience where someone they had uh work done very very , damaging things that caused me to lose money caused me to uh felt and then and I was very depressed you know because it was a betrayal it wasn't just someone rude to you and you can just


brush it off you can lose that friend but it was personal and it became, you're really really depressed and depressed is just one of the feeling the other feeling that is I think quite scary is you you, you become like uh vengeful you know you feel like you you you need to take revenge you need to uh get back on that person and then it spiral into


to me it spiral into toxicity because you find yourself uh going, everywhere meeting mutual friends and talking bad about this person that did you wrong


and then , and and you don't realise it because it is true the person did you something gravely wrong you are not in any uh uh uh wrong to reiterate your experience to close friends, but then you fail to realise that you have become


uh a bitter bitter oh you've become so bitter because with every person every with every familiar person or every mutual friend then you start to rant about, uh the bad experience you start to put down or or even you are not deliberately talking bad you're just talking about the situation because the person really did you wrong and did you bad but you fail to realise that you have become so bitter


and my personal experience is is that I I found myself I couldn't stop myself from repeating, the bad experience or repeating the bad deeds the person has done and I couldn't uh see clearly that I've become not such a pleasant person to be around with anymore because the friends become scared whenever


they are around you ah you become bitter you know and be and you start talking about this person because they all know this person as well so until one fine day whereby uh uh I hear friends telling me eh live and let live lah


but this kind of words anger you at that time, because you say what who's going to let uh uh do the same for me live and let live why should I live and let live when people has caused me to lose maybe like a lot of money or or caused me to lose my reputation so you you want to


get back on the person by spoiling, the person's reputation or image or whatever with, with, friends who know the person because why should you let him or her go so lightly, but then only when you are able to step out of the situation and looked back in then you realised that eh don't get there because you have become uh unpleasant and bitter person everyone's tired of hearing how wrong you are everyone wants


to move, you to move on and wants to move on to be your friend not not to have a bitter friend they want to move on but they don't know how to tell you because you're still so, it it engrossed in it and so bitter until you can put it at your past already then you'll be back to


who you are again I mean I I learned it this way because I start to realise that friends is a bit impatient already, but you can't you can't help it you can't help it because you were so betrayed you were so you were so affected so you can't help it it is like drowning you you know you can't help it so every time


the subject somehow just uh come back up you know and then you stuck and every time I realised when I repeat whether is to, person who have never heard the story before or to a person who have, some, inkling of the story you feel the same anger boiling


up again, and then you feel the same negativity, and then you do ah but after, you think that after you you you reiterate the whole entire tragedy, you feel better but the feeling better was


not uh long lived one it was just short lived and then you feel yourself having the need to repeat the story to yet another new person, failing to realise that you actually have, uh dwell and drown into it


until, I mean for me graphically in my mind thinking is really pulling, myself out from that that mud pool or pulling myself out from that, that uh uh, puddle or or or the quicksand then I could say eh about time to stop leh


because otherwise nobody want to


of course lah especially if you read about like uh women's issue, you read about like children, child slavery or trafficking or you read about injustice towards maybe women or or child marriages or something like this where you I feel the weaker uh sex or the weaker uh race


or the weaker or or or the weaker, like children are being exploited ah that brings a out a lot of anger, in me, I feel so sad but at the same time feel so


uh blessed because I wasn't maybe born in that kind of world maybe like let's say war war torn , , situation or natural disaster and then people take advantage of the natural disaster, you know some major earthquake happen and people are losing their families and yet children are being


being kidnapped to be sold out this kind of injustice you feel helpless like my goodness they're already so, poor thing and yet, these people can have the heart, to, exploit to exploit them you know


and how are they ever going to come out from this poverty or come out from there's no one to, fall back on imagine a child six years old you lost all your parents and then you being sold, uh away as a slave who who who do you turn to you don't even know who is to trust anymore which adult is you know that kind of thing that kind of injustice I I feel so helpless not only angry I feel like like who's going to


who know helpless lor, like who's going to help them, uh get out of this there's no way it's easy to say !wow! fight you know but they they had nothing, if if they they they they maybe don't even


have like a uh a shelter or food, how to even stop themselves from being uh exploited or sold, off or or or taken away, or you know or no education


very I feel that, maybe our uh


environment our society are quite, , if it's not not uh predictable because we are stable so there're a lot of things uh we can predict uh uh behaviour and the outcome, like for example when the country is not war torn is stable you expect a certain level of security you expect a certain level of understanding from people you don't expect people to just uh uh kill people with no reason or run around you don't expect that kind of risks and danger because we're in a quite a


stable society economically as well as as well as security wise there's a high level of uh people with education so you expect you you expect and yet not uh and also you don't expect certain behaviour so for example in the society lah you don't expect


uh, certain behaviours like people just uh uh uh kill and don't get, caught so these are not the norms you would expect or people can get away with committing huge crime so so that that kind of thing you don't expect so I think the stability give


us, predictability in that sense, so we can also with that uh, monitor our own uh behaviour and response that means how you want to react to a certain injustice also there's some expected


patterns you know I I feel that let's say, let's say you say there's a certain injustice like for example or or or or, or like uh uh uh uh elderly uh uh, person was unfairly treated


in a hawker centre or in a a workplace and all that then you have a certain predicted behaviour because it this firstly is wrong it's not like nobody's everybody ignore is just another old person no there will be it will cause quite a lot of uh unhappiness people will


want to come out to, protect of or the rights or want to come out to condemn people who has treated them badly so I feel this are some, uh predicted behaviours in uh in a


first world society like ours it should not happen it should not , uh people should not treat, people badly like that versus maybe some, uh countries which are not in the first world category people who are treated badly people don't care because they are just fighting for their own life everybody is fighting for food so one other old person being mistreated it's not a big deal to them you get I mean that's what I think lah I feel that this is


ya like in in general lah I'm just saying in general in a society lah you know of course all those matters lah but uh in general lah I mean personal uh


behaviour and personal opinion, is definitely varies with, upbringing and culture background and, even uh uh , I don't know even uh what kind of jobs we do and all that


so what would uh, be an uh uh uh, the occasion that you can remember where is very embarrassing for you do you have any


I can imagine because it must be so so embarrassing ya


oh maybe the maybe the person worry if you see them you get reminded of your embarrassment it could be could be eh could be


but it is something you want to forget lah something because is a ya ya


my my my my embarrassing uh episode is a bit more lighthearted it is things like I I mistake people who are not pregnant as pregnant and I give up my MRT seats for them and then in that sense instead of


you know I embarrass them and I embarrass myself also because uh you know and then you really want to dig a hole and hide because so embarrassing right uh and you think that the person is pregnant and you know politely give up your seat


uh I I I think all of us have this kind of, but that one is not at least not so bad lah ha this is something you can still uh embarrass and laugh it off lah you know the personal one is something that you really want to forget like your bad hair or bad or something you didn't zip or something ah those are bad


uh don't know leh losing weight


(ppo) (ppb) okay we can we can stop already [ah]


two positive experiences, uh can you remember a time where you help somebody in need ah


okay actually I remember incident which I forgot about but my friend reminded me was was during his mum's funeral, and, uh I actually drove his father to the crematorium


because uh they don't have a car in their family and the father was wheelchair bound he couldn't go up the bus that was catered but so in their initial plan was he doesn't go to see the cremation but but the helper really wanted to go


the helper to care of the mum who really wanted to send and then I happen to be there, the only one that was driving and I realised I to me it wasn't a big deal but I think to him it was a a a really big deal uh and I forgot about it after one year and he reminded me again so I say eh you know


uh don't put it to heart then he said no it it was a it was something very uh I think it the timing and all that and I was the only one that could give that help at that time so even though it wasn't like a big, you know sense of achievement for me I didn't feel like I did a huge great deed but I think in mattered a lot to him


and and uh he would try his best to to go an extra mile, for me if I would ever want to uh would ever need it and I I and and having I on the high side that I think back I I thought uh I was actually very glad that I made the decision to


to turn up and to go that day I admit the, difference lah so I think this is what, I I can, remember that is a bit more significant because other other than that I mean we I don't think we ever really think much whether !wah! you know how much we are helping people or that kind of thing and then I


I don't do like go and do big charity drives or do things like that so got nothing much to say but except for this lah I think this this was something that was uh after being reminded of and I realise that it was something that meant a lot to my friend


and , and he really uh uh kept it in his heart lah you know so it was a good feeling lah I think he that I think I was, I'm still now happy that I I decided to go because it wasn't actually really necessary because uh all the friends didn't turn up


for the cremation but like I somehow don't know why I decided to go so this is what


ya lah it was uh I anyway he had, he had he had no one else there was no one else so so ya in that respect I think it was a very important uh uh thing and now having think back I think it is I mean it gives me positive feelings that I was so glad


that I I was at that, uh I was there you know never thought much about it just thought I'll drop by but you know when my just simply simple dropping by actually made a huge difference otherwise uh the helper and the maid couldn't have gone so you know it was actually a small act


uh that a small act that , that I I could uh, uh do, which I I can describe it as a a very positive and and it also tells me that it doesn't take this much ah to lend a helping hand ah sometimes helping people


we we we it takes effort it takes a lot of effort we will we may not all the time want to do it right but uh I I was glad that I could lah you know so, ya is a act uh ya lah is a act of kindness lah


you know, have you ever given anybody a big surprise or best surprise or do something what do you


would you have liked it if it was a surprise party for you like your husband did it , and then you know would you would you have, think


that's the same you know maybe it's a woman's thing because I've done surprise party twice, and uh and my husband is totally unaware until all his good friends uh appear but it was a very nice thing it's a very happy feel not only he's happy I felt very happy because


all his friends were also had uh all you know waiting gathering in the car park and they turn out all at one go at the same time and I can see the friends are happy also you know but but this, kind of surprises I don't think is something that the men will do like you say firstly they can't escape the radar secondly I don't think they


uh they do do I mean okay maybe some men but you know both of those that I know they really not into planning surprises like this but uh I feel that the the feeling was nice to be able to plan a surprise uh party but it


was uh also uh uh, but it should not be stressful because I feel that sometimes as you you when you plan a surprise party for someone ah !wah! you end up very stress you know because you have to make sure that it ended up a surprise you know not not like a everything ya and then disaster or things don't turn out or what but I think uh all these should always


taken be taken lightly even if it didn't turn out as perfect but is that the moments to enjoy lah I think that is , when you think back !wah! maybe like five years ago that surprise party you can it should still bring a


smile to the face lah I think that that that would be, ya I mean the worst is uh I mean I I think we we not into making too risky surprises lah because things might uh


go very wrong at least this kind of bring friends together and then uh have a good meal you know it's it is a, is like having a big gathering like that but with a objective ah with a purpose so I feel that


this, kind of uh gatherings hor whether is a with a surprise party or not it always uh I always end up having good memories lor even though I don't remember what we laugh and joke about but I remember we laugh a lot like


all the friends together we just keep laughing you know sometimes is just we're just teasing each other or we just talking, nonsense lah not really relevant things but you you always would recall all these occasions with a lot of laughter lor besides the food it's just like laugh and laugh or and maybe we drinks


food and then a lot of laughter, so if you ask me like what did we laugh at ah we I cannot really remember any, significant specific joke know any specific joke that we talk about unless it was like uh okay we were unless we were teasing someone who did something stupid but otherwise I can't really remember you know any specific jokes but then I just remember occasions like this where you


adhoc bring everyone together have a meal or you surprise someone is always happy lor happy occasions lor always ended up with a lot of laughter a lot of, uh of of fun but then when you think back and you think what do you exactly laugh about and all that I can't really remember leh I I think is the companionship that was


and maybe it's uh it's also the the with what kind of company and probably this kind of thing you tend to always invite people or people that matter to you more lah friends that are your maybe inner circle friends that are closest to your heart uh people who you


appreciate because when you spring a surprise party financially sometimes you are footing the bill mah you invite thirty people or you invite fifty people actually you you you are paying for the whole, catering in that sense so you want it to be with people that matters to you know not just anybody that just come and say hi happy birthday you know that kind so I think in all ways


uh it it it is it is significant like that lah, anyway I don't know, whether have you given, , as uh I mean, this surprise ah for me is like the act


act lah you know have you given any !wah! huge surprise gift to someone !wah! buy someone a car buy one big !wah! something so expensive or some big item do you think you are someone like this or I would like to receive a huge big present


ah ah ah ah


so nice I wish somebody buy me a car


(hmm) that's a , uh nice nice thing to do lah but uh


but not not not uh it doesn't come by easily ah !huh! not everybody is so generous


maybe career wise lor making a, uh making a a bold move and then after that it gave you the reward like uh setting up uh


uh coming out and set set up my own business, I, thought it was a risk but at that time uh ya it was a risk giving up, uh uh, a stable salary but then uh, uh


you feel rewarded when, when the business take off lor then you you feel that you're rewarded with the success I think this what I can think of lah like you you go into something, and then after that you see the rewards


when it it you I mean when you make money lah when you at least make, you're not losing money so that is, kind of a success already


in fact the first financial year as long as not losing money to me was a reward, already, that means you get a salary out from out of your, business and then you know, uh is you able to sustain, the overheads, that was already


you know worthwhile of the, the the risk whatever risk that, I put in lah because it was uh, a a , good try you know you actually uh gave up something and you go into something totally, uh unknown to you and then you're rewarded


by the fact that you're not actually losing money you are actually making some money out of it to me that was, success in that sense already lah, what what are you, what would you be most looking forward to if this pandemic end


is like work, I never expect to say that lah but it, uh like going back to work, going back to work, like normal, you know and then uh to be able to


for me I think that is what I I'm really looking, forward to because uh, now is like uh feel a bit detached because everyone's working from home you don't get to see people and then uh there's there's also impact on the income because of


the the, what the pandemic is causing so you feel, , uh you feel your income being affected number one and you feel you're losing touch because you're not seeing your colleagues you are not in the office space but of course at the same time I hear many people saying they enjoy working from home you know is a all whole new different experience there are lot they've never been for me I've never been at home this much


all my entire working life but, this year it's like !walao!, at home, uh so much with, uh you know uh uh, with a vengeance like that but uh maybe for me is really going back to not having to run home because I forgot my mask


and uh things like that uh going back to normal, which is what I am looking forward, to I don't know when that will uh, ever become possible lah but I'm hoping that uh I can resume that, kind of normality after the pandemic soon lah


no but I felt with time in your hands, for all working mothers everything is actually possible because maybe priorities were such that


, the work took up a lot of a working mother's, time, so whatever, balance time you have, left behind you tend to prioritise right you just want to maybe spend quality time, uh


maybe just with the children, even mean sitting around for a meal, uh and then then, versus baking because maybe the baking take you away an hour but uh when you only have one hour then you choose to spend that hour sitting around with the children and


eating or talking or even chatting but now with so much time at home you got many many hours then you can start doing all these things that you never thought you could do but actually is not impossible it was nice, to be able to, try new baking


things like that which I never had time to do [lah]


financial related topic


so how do you invest your money to accumulate wealth, or planning for your retirement


I always believe maybe don't put all eggs in a basket, investment I think in a real estate for own living and if there's excess money then you can always buy another real estate to rent it out and I I believe that some money should be invest in different funds or shares ya I think that's how we manage it


so I think it's important to maybe set your priority and maybe know uh how much you have built up your capital, so I think for the big ticket uh buying if you talk about house and stuff like that then I think this is something that uh if you are planning for family then I think is really between the both incomes and then you talk about


what is a priority so do you believe in having a roof first or do you think that a a car is even the, the more critical one uh to go ahead with but I think I always believe that don't don't do it not within your means because then I think that's going to lay grounds for more problems uh in terms to come


well I think before marriage is always individually you know then you only care for yourself how much you earn how much you're spending but then of course uh of course after the marriage uh it's very much like a joint asset and liabilities


and then you know then is about uh the family direction about how you're going to plan for your own household and then you talk about you have to align uh your priorities also with your partner to be on the same page


and working towards the uh same direction what about you


, so so what happened uh with the last few months of COVID so are things uh getting anything different on your side because, I think living in singapore and living in germany most probably we have our two different ways of handling the uh post COVID world


but, , well I think living in germany to start with I think the lifestyle is always a little bit different with in singapore we don't have that much of conveniences over there, so basically uh you know we we plan our household a little bit differently but I think with the COVID uh of course the very big part of it we cut down the socialising because of the of ridding of the infection


uh that leads to you know uh, to trigger even more fear so we have cut down a lot of socialising and I think that actually save quite a big part of the cost and then of course uh by working from home we've also cut down on transportation but uh on the other hand we also compromise on our lifestyle in terms of like travelling


uh but on the, uh the advantage uh it will be very much I think we build up a stronger family, bonding and on the other hand we work around it by uh you know not able to to be out but uh somehow how how do we actually entertain ourselves in terms of


doing more baking or uh family activities together uh really maybe selecting a good movie and share our time together


ya then I think in in terms of you know in terms of uh, uh maybe financially uh planning then I think things like, cars uh may not be really essential at this point to change a new car because whatever you have now you know in terms of uh jobs uh security because of the COVID nobody knows really what's happening so I think certain things that you can actually just uh put it aside first


I think it really subject to the situation if let's say you are someone who is really discipline, and uh if you are really disciplined and eventually uh you can actually take care of your own financial uh situation then I think owning a credit card is uh definitely not a bad thing


but if you are one of those who just kept using on future money even you do do not earn that much but you kept uh, using more than more than you earn then I think maybe this is something that uh you should uh be a little bit more careful about it


I think it's always


I think our age group is pretty close so have you think about your retirement plan, or how how would you think that uh you will retire uh in a very comfortable way have you been planning for it


I think I think ya knowing me actually I'm not very well versed with all the financial numbers I do not have enough, was how much exactly do I need uh for retirement but I think uh having a spouse that is a little bit more uh systematic uh I think with that uh in some way it it makes us think uh a little bit more on the bigger picture for the last few years


at least we have a very clear , clear understanding on the direction to think about okay at least you know uh we should uh own at least uh a property that we can live very comfortable in our old age that we have no mortgage and if let's say there's a


one or two more other properties that we can generate uh rental then this is actually a uh a rental income yes a rental income that we can actually tap on then of course beside uh that we do have uh some funds doing quite well or


uh shares doing quite well but you always have to remind yourself to always uh evaluate them or review them and see actually what's the best uh, way to utilise uh utilise them or change the products and or even re look at uh interest rate and things like that and and try to you know uh make use of the situation and see how you can actually accumulate the the uh the growth of a wealth


but to talk about whether I have a very , definite figures to say that how much is exactly enough for us then I don't think that uh there is a plan like that


I think is all subject to own perception lah