you should ya grow your money and, , also have more money than just what you're planning to save for rainy days that can really that will really mean that you can retire you know comfortably knowing that


you have backup money ya, uh I'll go I was, ya, uh I'll I'll speak on it uh, for me I think CPF contributions sound


good in theory but, they are actually, it's a it's actually an awful scheme because everyone knows how hard it is, to actually get your money back or, how little they give you back, once you hit whatever age they require I mean every everyone knows all the elderly here they work they work until they're in their seventies which is not what you see in other countries


, the CPF contribution is supposed to, help you with, ya ya when you're when you're older right this that's what it for I mean like a it's supposed to be your retirement plan but nobody can actually count on it because you're only allowed for some people they can only draw two hundred or


five hundred a month no one is going to survive on that amount of money so I mean people have been fighting to abolish this CPF thing for a long time so I don't think is I my thoughts on it are negative


uh I don't really do much managing I'll just let I'll just let whatever percentage be cut from my salary


uh currently I'm not, I am not aware of the, schemes and you have to maximize CPF savings although I know there is some there are some investment there that uh I hear from , friends have low returns so I haven't really looked into it just from word of mouth I heard that the


CPF saving, scheme or they have some investing scheme it has really low returns so uh


ya uh if I'm not I mean if they want to have more kids I know having more kids will reduce your income tax but , ya that's true, uh what advice would you I think uh okay ya


ya sorry but I'm not really sure of this scheme, okay shall we skip ya, I'll go first it okay this one definitely depends on how big


I want my family to be or how many child uh kids I want so, yeah I think it's it's a great it's a great thing to invest, uh, early in, your family so uh I would set aside


uh money for whatever we need like obviously groceries or electricity and stuff like that , uh investment portfolio uh my parents invested in me in in me at not my parents


parents invested in some company using my name so uh that built my investing portfolio, uh yes but , I'm not allowed to touch the money so, uh ya ya I told you ya okay you want to start first


okay , uh how do I spend my money basically when I get my salary I , I split my money up into savings and leisure, or, money that I have to have so savings will always be first bills will always be first student loans will be first so whatever balance I have I basically use it to survive till my next pay which isn't the best thing but at least I have my savings so


uh I spend way too much on on transport like grab and all those kind of transport apps , and ya I spend even though I, even though I can take a bus fine I if I know I can afford a cab right I'll just


take a cab right and yes I do I do spend a lot on shopping I'm very into uh fashion and shoes so, uh ya I always buy those kind of things at least once so okay okay pause right


uh test test negative experience okay are we starting from the beginning, okay , uh okay, so describe a time where that feel like nobody cares about you it's probably when I


sorry wait, ya it's probably like I said when I was thirteen and uh I didn't I, I had only had one close friend and she didn't want to be my friends with me anymore for no reason, so


ya I felt like I was very alone had nobody to talk to and nobody that can ya, julia okay


heartbreaking moments of my life was probably, uh when I broke up with my first boyfriend because I never really been in love, before so that was really hard to deal with because is it's not like we felt we didn't love each other anymore is because he had to move away so we decide to break up when he wanted to move away and


ya that's still scars me because , , he ya our circumstances it's not that we didn't love each other even though was for the best uh describe a time when you hurt someone's feeling I'll go first is probably because I I sometimes I say things I don't mean or I say things rashly


that , or I say things I don't mean or I just uh, say without thinking so , I've done that a lot especially to my mom which I feel really guilty about now until now, cause when I I'm short I can be short temper and when I I do I am short tempered I say stuff I don't mean


and I always regret it but I like that is probably one of the things that I don't forgive myself about until now, ya


black and yellow


okay


oh uh sorry I think you skip the betrayed one, uh eh sorry, what're some of the hurtful words, what are some of the hurtful


word someone said to you and you wished to forget uh ya so, sorry ah there's something that someone said before was that I think when I was twelve uh in primary school teacher made fun of my skin color and my weight


and it was so it was just the most horrible thing to say even now that I'm twenty three I think it was horrible and she never really got the justice for it even though she really deserve it so, yeah I wish I could forget that but it's still haunts me


what is a popular, trend you start you can start first if you have something


okay a proper trend that I dislike I think culturally everyone now likes to gaslight each other meaning, they, say something, in support when they don't mean it I think that's what guess I think is that's what it means to me anyways so oh like they're very sarcastic


and I feel like a lot of uh guys do that to girls now, and just in like the dating scene so there's a, popular trend I dislike , and describe a time when you felt like giving up okay I'll go first it was probably when I was in


rottnest island in, australia it was it's it's a deserted island in australia and I mean it's not a deserted island but it's like the , it's just a separate island outside of western australia


and it's all just like wilderness basically and , I agreed to riding a bike, uh, riding a bike trail and this bike trail was really long but and I and I was okay with the the the distance but what


made it difficult was uh the steep hills uh obviously I'm not so fit so and I think it was summer so it was on top of the heat it was just so gruelling and I didn't bring enough water and


I think I was so dehydrated I started hallucinating and I was, so sure was going to faint, and, that they will have to like bring a medical helicopter in but


, that was actually really scary because I never experience being that tired and that, uh just like the felt like, I was so just done with the whole thing and I had to and I had to keep going for like I think another four kilometres before I could reach the a restaurant for some water so that was like one of most difficult things I've had to do


uh you want to answer that question, or


I really can't answer this cause I if I see something bad I will always talk about it so it is a hard one for me nothing was coming up coming to mind maybe julia you have something


probably uh what keeps me awake at night is thinking about my future I have so many unanswered questions, about my future and all the things I want to do all the decisions I haven't made and although I am trying to come to a decision it's not so easy and there're a lot of things that that uh that I have to take into consideration so what keeps me up at night is my future


sorry


uh okay being a victim of it myself I would never joke about someone's skin color or someone's weight, or just appearance sorry I don't I think, talking about, something that a person can't actually change is is


is a awful thing to say to make fun of or mock so I would never joke about that kind of stuff


uh, probably being, homeless or


losing my parents or something tragic, ya you okay


what is the one thing in the past you wish you could undo, I wish I was I wasn't so insecure about myself in the past I mean I am still insecure now but I think being insecure in my younger years kept me from doing a lot of things so if it was one thing I could undo would be being


uh less insecure, oh ya okay


so yeah are treated unfairly, I think this has to do with uh around the concept of biasness because I was working in a workplace where biased-ness was very prominent


so even though I had, more experience or was more competent the other person got shown more leniency and got promoted because there was biased-ness like even though everyone in that office knew for fact that that person wasn't as


competent as I was , so ya that was how I felt like I was treated unfairly, you can answer first I need time


just how you interpret it, I can go first so just back, uh back to to the story of my teacher saying awful things about me , ya because


because I was so young I didn't know how to defend myself so I just like her say all those mean things to me and I just stood there and just listen to it, on and on she went on about my weight and my skin color so,


what I'm angry about is about how defenseless I was or how I didn't defend myself yeah that's what I'm angry about


okay


oh we already finished,


I think I did I think I talked about my friend, I think you didn't answer that question, you skipped it


positive positive experience, okay what are the small things that always makes you smile okay the small things for me that make me smile is a , uh probably food and drinks because uh


food is very important in my life so if I eat something really nice, or I drink nice coffee or I eat something some food that's really good it'll make me happy it's just small thing , but uh another thing that makes me happy is being very comfortable so if if I feel


if I'm in a cold room under a blanket like that's that's that's a small thing that's yeah that's a small thing and it makes it makes you, happy or, ya just good weather even good weather makes me happy, so


uh so for me one of it will be time, because time is very precious obviously and uh throughout my life I I've had to give up a lot of time on things that I wanted or things that I, uh


enjoy so that I could make time for more important things like uh, , my wealth my work or my schoolwork or studying or, ya sounds like that so


uh I would say, obviously all these sacrifices paid off when it came to my studies my good results, getting me to where I wanted to go, so ya so time is what I sacrificed that made it worth everything


but they didn't make everything worth it,


oh sorry we can't see the, sorry we can't see the question uh you can see the question


oh sorry we can't see the question uh ya oh yeah uh thank you, you want to go first cause I need time to think


okay I've never watched it for me the best, not movie but TV show I've ever seen is archer hands down the best show I've ever seen, so funny, great animation


uh the, talk about real real life stuff and not just even though is a cartoon is like adult cartoon and the jokes are really funny and , ya it's the storyline that you like fall in love with early and you just want to keep watching there are eleven seasons now so obviously they doing something right uh ya


archer ya ya


so I think what I have in common with my best friend is that we love to travels ya we travel a lot, we travel a lot, don't use vulgarities, we we travel a lot and , uh we always love where we're going


uh ya, we'll okay like another thing, that, we have in common is I think we think, pretty much alike, and we are we are super open with it with each other so we can talk about anything


and, because we've been friends for so long it uh nothing seems like a barrier anymore we don't have that awkwardness ever , so ya we're open with each other what is one place


okay uh one place I would love to visit is definitely definitely , it didn't say what country so if I if I'm being


no I'm being serious I would love to go to space, I would love to go to space , and I would love to go into space and look at earth from, like, its orbit or I would love to go to any planet really


ya okay so okay being just in case that that is not a that just just in case that is not a good answer I do have a place in mind I I would love to visit, italy to uh go to like their vine vine yards


oh what vineyard yeah thank you go to their vineyards and uh like they have really good food obviously and like some of the night, nicest beaches in the world so ya I would love to visit italy and eat their food and drink their wine


and ya, I'll start first oh uh so one oh oh ya obviously you know


I'm actually grateful for growing up in singapore because it's been such a, it's such a safe place you know you can leave your wallet at at the table and go and buy food in the hawker center no one is going to take it another thing I'm grateful for is obviously my parents it goes without saying my parents have done so much for me they provide provided me


with things that they never have and even though they don't understand why, I I want those things and they don't see the importance they still try their best to give give them to me because they know it'll make me happy, probably the last thing I'm most grateful for is


my friends, ya my friends have had helped me, a lot when uh I could never talk about uh these things my parents like they always there for me


and I don't think like I'll be a very different person if I didn't have friends obviously but I'll be a, a different person if I didn't have the friends I do have today ya so I I I'm very happy with myself so I am grateful for my friend


ya that's a good one music is a good one I'm grateful for music too, ya ya no that one was you ya


what're three things you have, okay I'll talk about (hmm) my, best friend cause I don't have a partner , I don't know this is going to take awhile now three things I admire is that


my best friend is very very very very committed to whatever she puts uh, her mind to, ya she if she commits to something so she'll see it through, nothing will stop her from, doing what she wants to


another thing is that she's very very very loyal, and loyalty is so important in in this day and age especially , so I know that, , she will never back stab me or double cross me like that will never happen because she is very loyal


and another thing is that, another thing that I, I'm admire, it's about uh my best friend is actually very forgiving like really really very forgiving I mean obviously we've had our friendship and fight but not even about our fights I think with other people they can


do something really bad and she still has the heart to forgive them which I could never do , so if she doesn't hold onto grudges long she's great which is , it's not good for your mental health to always be angry or stuck in the past so


ya that's why I admire about her a lot


uh


uh no can't see you, no can't see yup


so I think you're talking about, okay, next uh I think you're on your third point


I think you were talking about the third thing you admire


finance, how do you invest, okay


but ya


I don't I don't invest my money because I don't have much of it and because I'm still a student but I guess because of that I have to, do it my own way so it's not with like a bank or anything I am not even planning for my retirement yet even though


that I'm the same age as you so I guess is the quite different lah that's pretty much it ya, what's what strategies would you recommend to someone planning for their big ticket expenditure, you yup


(mmhmm), I mean I I actually really don't know like much about finance when the lady asked me uh what was my scale one to ten I said, two and she was like that's not me


and so so I guess uh a strategy that I would recommend would it I don't know just be save save up your money lah like there's nothing else to do, if everything is like is is expensive and I guess I have to save up your money


invest I don't know I'm not, I'm not good at this I guess, how you manage your financial commitment before and after marriage, okay


I no I didn't turn on my fan but uh,


uh I I just I never thought of marriage I guess like I don't think I would want to get married in the future but, I feel like financial commitments will get easier


I feel like my financial commitments will get easier because now there's two salaries that's helping it but I guess we uh we can't really think like that but also you have like a second


reliable mode of income so I think it's, it should be easier financial commitment should be easier after marriage but that's how I feel okay


in a post COVID world what changes are you making in terms of your spending saving habits


(mmhmm)


I guess for me ya same same as you but during COVID I've I've actually save like the most amount of money I've ever saved before especially with like the money coming in from the government thanks government, but right after


COVID was lifted uh I began to like spend all of it I guess I have no money but, I yeah so which which just shows that when we are forced to stay in our homes like we don't spend much so I guess now I understand


how like the changes that I should make lah like which is I guess stop going out cause as probably where I spend most of my money what do you think of financial independence retire early how can one achieve financial independence


uh I guess, yeah I don't have financial independence cause I think I at I'm because I'm still a student but , but I think it's


pretty difficult to get ya you like what you say I I agree with everything you said like financial independence is hard to get in singapore , ya I don't know at most most singaporeans are don't really retire that early like my parents are still working and I think your parents also working too so


ya as much as we can try and be independent there's still a lot of holding us back but that's the most that I know cause I'm I'm kind of I don't know much what advice would you give to someone to get him or her out of debt


uh I guess I would, ya I mean like I will do the same you kind of say every uh say everything that I had to say but I was looking going for a loan shark but I no I'm just kidding I'm just kidding


but ya I think I would, do whatever you said lah because I mean most people are going to have debt I mean I already have debt from school and I think you have debt from school as well, so I think the best is the CPF thing yeah that's it


yeah , do you think one should own a credit card, uh no because okay I mean if you are financially stable


if you know how to spend your money and if like you don't have and if ya just if you're financially stable and you, know how to spend your money I I think you can have a credit card but , it's I guess like case to case basis like I don't think every anyone can just get a credit card because I think what the banks are doing now with like checking background and all that and I don't know but ya I think uh yeah


ya I think you should you can own a credit card if you have a job that's just how I feel lah


whatever is I guess


really save your money and if you can invest, so that your money grows inside the bank, when you don't touch it but that's it


what your thoughts on CPF contributions, I agree with you


I I I really think it's like negative and especially like people, who like, passed away before the age of like fifty five when they supposed to like then the money just goes over right that's what happens right , but ya I mean


is is not fair, I mean CPF works in its own way, but it is like it can either very positively affect you or very negatively affect you and most of the time is negative you know but yeah that's it uh how how do you manage your CPF savings what advice would you give to someone in order to maximize their CPF savings for their retirement


uh for me is I don't, really, I don't do CPF things like most my CPF is completely like kind of empty cause every time I do work it's always freelance and there's there's I I don't really touch that so I'm not really sure okay next uh what advice would you give someone to in order to reduce income tax


but then you have to pay more for the children lah I mean like ya right ya


for which one is it you know like okay, I think we can skip, uh what're your opinions on SRS supplementary retirement scheme


yeah same, ya how would you make a financial plan investment portfolio for your family or children, ya


I mean that's okay that's fine probably better in the future for you but I don't have any financial plan or investment portfolios I guess but I'm I'm trying to get into it I guess the only thing that I'm doing is, no I'm not really doing much actually I'm not doing anything about finance and I'm actually kind of very new to everything so I just I just hear it from you cause you're my best friend and like other people about finances and and things like that so


ya, so that's a no for the portfolio one, how do you spend your money which expenditure is justified and what have you been spending too much on, okay I


I'm in I guess I'm in the media industry so it's it's, hard for me uh because I'm a student and everything costs a lot of money so,


and that's basically where I've been spending most of my so called savings piggy banking I guess and also on transport that one is a lot, ya I mean, the that's what I've been spending too much on now


, I don't have any justified expenditure right now I guess maybe for, for my for my school lah that's the only justified expenditure that I have but at the grand scheme of things I


I don't know whether, it I don't is not an investment lah it's just like, school so, ya ya ya ya


on the app right


negative experience


uh, uh, ya I think I think I will just, go to the same question because I do I feel like I know that everyone cares about me I guess but I haven't ya so I haven't actually felt like nobody cared about me so which is I guess is a good thing but okay wait the the most heartbreaking moments in my life was when I fought with one of my friends


and uh, it was a really bad fight and I guess because we were very close, , because we were very close it was very hard because we meant a lot to each other so the fight really kind of uh took us out of it and I've had like heart breaking moments before but nothing as hear breaking as that one you


I don't remember what I said for this question, the previously but I guess something


hurtful that I said this the the something hurtful that I said to someone was, okay uh I'm not sure with this one I really


okay so there was this time I I don't think they okay never mind I think there was just a distaste in humor but never mind I think something hurtful I said to someone, was uh related to the color of the skin which is never I know better now I was really young at the time so


at that time I thought it was funny but I should have been more sensitive towards, the, the subject cause race is a very like color is an important thing for so long story short I'm a different person


but not really no no, kidding long story short I I can say hurtful things, oh okay sorry long story short I I


I guess I sometimes I say things I don't mean because I think it's funny yeah uh okay well what was a saddest moment of your life


oh okay describe a time when you felt betrayed


mine was when a partner of my called me a street cat and it hurts me because, uh it's like I she said it in malay and is one of the worst things that you could say to someone because it's so it's not even used to describe a person so it was really painful uh yeah that's it what is the what is a popular trend you dislike


sorry I'm just skipping because ya there's more trend you dislike ya, , I guess there's


there's a different like okay one of the trends that I dislike is do you remember the black lives matter the blank the black page on instagram that trend I actually dislike that trend because, uh I know that it's in support and all that and I I support the black lives matter in the movement it's just that the way that a black screen cannot do anything you know I I mean it it is showing people that there are people supporting everyone out there but if


if I want to know what's happening with the black lives matter movement and I want to know the uh how I can help and all that I will only on my instagram page I will only just see the black color page the black color empty space that had has nothing you know info no nothing just


so I guess that's one of the trends I thought weren't really that is something that I dislike, I I was very annoyed about it but ya that's it


what's the worst thing oh okay I think I would, in the industry that I'm in there's a lot of times where


everything it's very overwhelming and everything happens at once and because okay outside of, I mean in school I'm uh majoring in producing so I have a lot of stuff on my plate and it gets very overwhelming if something doesn't work out


so when something doesn't work out and I always have to think about backup plan even though there is no backup plan I think that's when I , feel like giving up but I know I cannot because if I do then like everything that I worked for up to this point would have been like for nothing because everything is connected so uh


uh ya I think a time when I felt like giving up, was during school when I had to produce something, uh I don't like it but ya that's that's it what's the worst thing you witnessed and kept quiet about


no what problem or issues keep you awake at night


me too uh what keeps me awake at night is my future and if I can ever


be actually financially independent like I I always feel like I'm leaching off my parents I'm twenty three already and like, you know so I guess that's what keeps me awake at night and like what's going to happen in my future when I like actually want to settle down which like do I just you know like I don't I don't know so I was like ya my future also lah


what is the one thing that you'll never joke about


(mmhmm)


ya I feel very strong about that too but another thing that I wouldn't joke about would be about uh, uh I don't know how to say that it's a polyamorous relationship I uh no is like a not a polyamorous relationship like how uh like a relationship that gets cheated on I guess I think that's something that's very


hard to to joke about I don't think you can joke about that but I do have friends who do joke about that and it's just hard it's scary I guess , what is the worst nightmare that you'll hope no never happen in real life


yeah I guess that too but also like not, succeeding in life you know like I guess that's a common thing that people our age talk about or I scared about but I guess that's like a worst nightmare if like you are just normal you know but ya


for me is I think in primary school and secondary school I never understood the concept of like studying and I feel like it had


I mean I'm thankful that it brought me to where I am but , I never like I never understood the concept of studying like it's either school or, tuition and nothing else in between then I never so I guess there's


I wish I could undo it because now I'm even though I don't need to study I study you know it's like a I and I and I'm still trying to get the hang of it but it doesn't come to me easy because I haven't been doing it for like my whole life you know, so ya


what is the one eh describe a moment when you felt like you were treated unfairly


(hmm) I think for me there's how I'm okay would be school I guess uh there's a lecturer of mine who treats me very unfairly because of


the people that I am I choose to be with so at at one at the start of school we were very neutral and he kind of like he was kind of okay with me but then, because of some things that people said that happen into in like a previous project that I had with my classmates uh this lecturer


gives me lower grades even though I put in more effort he gives me lower grades because of this misconception of my personality from other people, so ya it very unfairly I


my grades were low oh okay so uh what incident still makes you angry despite having happen a long time ago


yeah me too , I don't know if it has to be like angry in in like your life but, you know is it is it like a outside angry like could it be like events that happen outside that you know or could it if if there's that then


ah yeah yeah


I think I cannot think of anything that happened a long time ago but I can think, about this this year this year , I had it's just back to the same back to the same


topic as before it was the same uh group project and it ended very sourly and no one, the project took like a whole three months to uh start and edit and end but


it was like three months of like the worst working experience that I've ever had and until until now I still think about it at least everyday because even even when I'm not in school even when I'm just like lying down in my bed I still think about how awfully


that I guess that project was and I feel like uh, I I think is the angriest I've ever been in in my I think life cause I've never I've never been that that angry before I guess so that's something I I think that incident


that whole project was just really not great so ya that that's it, ya and how uh describe a time when you felt betrayed, no we didn't


I didn't say that question describe a time when you felt betrayed, yeah


ah, I guess uh having someone really close to you that like uh let's say a a a loved one


like uh okay so for me is one of my uh one of my parents kind of , betray my trust because of the way they treated people


uh it's just I trusted them to be more uh respectful of other people's feelings but they weren't, and they they just uh they really I guess betrayed my trust if that's one thing yeah that's pretty much all I have to say


(ppb)


positive experience, uh


it is comfortable hell yeah, I guess a small thing that always makes me smile is watching movies is that a small things is counted small thing right ya well watching movies and like just going to the beach that's small things that makes me smile


okay uh what are the sacrifice you've made that worth everything, that's worth everything (mmhmm)


I guess ya no uh I feel like the biggest sacrifice is time cause I I feel that way too I I think also is like time spent with like my family that like I could have been spending time with my family but I'm not I'm like going on


like some school thing you know , so I think for me it's time also (oo) describe the best movie oh, oh no know it doesn't no no I'm just kidding it does it makes everything worth it because, you get to see something like nice


like all your hard work is into one thing you know like every single tiny they turn to one big thing is like thinking of the big big picture lah and then, ya I guess is worth it but it sucks also lah but it's okay I oh


you block the screen what's the best movie, what's what's the best movie you ever watched nope yeah


describe the best movie you have you ever seen and why do you like it, okay I guess I would okay my favorite movie is kill bill, but I think the best movie that I've ever seen was


what can I say uh kill bill lah cause, it's such a good movie it's the everything to like, pacing and the characters and the acting and the sequences and the color and the branding of the whole movie was really great and I love I'm I really like quentin tarantino's way of


directing and, I love uma thurman so I guess that's ya that's the best movie I ever watch I guess that's from the outside lah but like


the story was good ya okay,


, what are three common things you have with it in common with your best friend or partner since my best friend is right here no I'm just kidding uh


I don't really have things in common with my partner so I will just say the things in common with my best friend, uh we I guess we like food, t's always a good bonding element and not like just like random food has to be really good food so we we'll spend a lot of time thinking of where to eat in the end we just go to starbucks


but uh coffee coffee is great starbucks is great , and another common thing is I guess our appreciation for uh music, our appreciation for music be even though is like a different different type of music it's still music you know and I feel like there's always a bonding factor because you can always like something even though it's not your genre so music


okay oh hell yeah oh sorry


, what's the one place you would love to visit and why beat you to it what's the one place you love to visit and why I say I I want to go to uh


I want to go to uh the czech republic somewhere I always, really want to go to even though is quite far away but that's like one the country who invented the idea of


cobblestone cobblestone floors the czech republic that's so smart and, that's why I want to go, it just because of the floor and the sight seeing is really pretty so I guess that's great, you czech republic


you what what


fine there's a loophole that you vineyard


hell yeah I mean yes, (mmhmm)


what are three things you're most grateful for in life, ya


(ppc)


I think ya I mean three things I'm most grateful for is my parents because they gave me like a lot of things that normal people don't usually, get like a ya they give me things uh I mean like, I'm very grateful for that and also my friends as well so the two two of the things


is related uh to you I guess cause we're friends so you talking about me I'm talking about you same thing, you know so ditto reverse card but I guess, another thing that I'm grateful for is uh music


I'm going to bring it back to music again because if like you can't sometimes the things that you have in your heart you can't you can't say to anyone and then you can't you feel, weird even say it to your friends and that's when like you turn to like music and like silence on your own time to think about things and I guess music is one of those things that really help you lah and it help it helps me to


right you remember everything lah okay anyways what're the three things you admire about eh have we done this


oh yeah yeah what are three things you admire


yeah that's nice okay my turn okay uh I guess one of the things I think you already know already is that you're hardworking cause I could never yeah and that's all I can say it's because you're always


like whenever you are faced with something that's super stressful in your life you still managed to overcome it and not even just overcome it I would overcome it but you would overcome it well you know like , uh


in everything that you do hold on okay when in everything that you do you actually really , you do it well lah I guess and you work so hard for everything especially like in your job even the things that you are not you don't need to do you still do it for people in in in the things like


going out even going out with our friends you don't need you don't need to like help them with something you don't need to like I'll get them but you sometimes you get them also like, it's like I mean wait no this is no hardworking anymore then but this is another one this is number two


this is a segue to the second one, which uh is you're very strong, wait this is still not okay wait you're very strong you can say no which I really admire because I could never, once again I could never you you can say that like


you get you you understand that you are not supposed to be treated on certain way for me I don't do that I'll just let that that happen but you understand that's not supposed to be this way and I really admire how you can say that without hurting that other person's feelings


another one is you're you're very you're very, sorry uh you're very, patient, as I'm patient as you are with like tiny things like ripping out boxes you are pretty patient when it comes to


when people sorry some can you see me, I can't see you too oh can you see me now


okay but I I'll stay on my appen recorder, okay okay


hello can you ya okay


yeah what


oh yeah you're you're patient I mean you are not patient with things but you are really patient with people like as much as you are struggling with it or you're having negative feelings about it you somehow persevere


through that negative side so ya that's kind of cool


finance, okay so, okay what topic should we talk about


uh okay, okay ya okay how do you invest money to accumulate wealth and all planning already time ah I feel like, okay cause we are so young we haven't really like


invested money yet right but uh I know I know friends who like invest their money like you knowing their shares they buy some shares, and like they made some that made a lot of like stocks books everything you wanted to read also right, you wanted to learn about stocks


did you, did you learn about stocks


(mmhmm), , ya


correct


(mmhmmm)


there are I can say like like I still haven't really like you know look into investing or anything but I know it's important lah like you said and like ya it's important to use all these rules and it's also true that you said that, you definitely have to lose money when like you can't always


like win out of field right there always be win lose situations here and there and, it's just up to you that you need to know that, there must be a safety amount that you should always kept with yourself that you don't touch cause like it's a very vulnerable situation lah so


ya it it is if you're if you are ready to use the amount then you use for stocks so there's always risks involved I just hear from my friends and my my siblings here and there but how the investment but haven't started yet, because like I'm a bit scared


and like I don't know where to buy and like it's not like I got so much money lah right, , ya so I haven't really, invested ya


correct, ya correct okay you can go to the next uh next ah


strategies ah for, big expenditures !huh!, then there's a very scary thing right like, like when when you know that you gonna buy a big investment isn't such a big amount is gonna be deducted from your account


ya, uh what what can we advice them, I think I think one thing that always believe is in planning, like like if you, but you know how to say right if you feel like fail to plan then you plan to fail lor so like if if you know that you're gonna make such a big


expenditure it is really really up to your planning about how your income is, what what is the percentage of amount that you think that you can spend you think that you can save dependent on like you know your friends and family who can help you if


something is off like you should always have like a, someone to back you up kind you know so so yeah there's a lot of considerations lah what do you think


ya


uh correct correct can can so how do you how you manage your financial commitments before and after marriage, uh, only I think, on marriage like you become from like you know okay like from one person to two person but it's also like you know from one family to having two families right


so like I mean you definitely gonna expect a lot of spending in your wedding that needs to be planned and after marriage, I think it's really how, really need to discuss with your partner lor how are you gonna put, both your you know earnings together and like how you guys gonna


spend it from the I I you guys gonna like put it together and spend it then you gonna be fifty percent fifty percent kind of thing or like is it one person going to be spending more on the family that kind of thing needs to be considered lah, I feel what do you think


correct,


ya and it's also, ya as much as like ya we gonna spend for like one more person and like you know a family to come to is also good thing cause that that you know that someone else who's like you know helping to earn for you and like for the family so like


I can always rely on that person also so like ya it's religious helping each other out putting in money together and saving for the future that's very important after your married actually before you're married you already should you start saving ya yup


COVID ah ya, in my savings ah my savings (hmm), ya I I don't think that I actually like went to google like, start saving up more all after COVID like okay especially in singapore I don't feel okay okay not maybe just in singapore maybe for myself personally lah like I didn't feel that


that you know the need to like save more like I mean I know what the whole world is going through and like what even many people in singapore like many people have lost their jobs and all but I personally I think I didn't save more


ya where is mostly cause like I know I get like I usually get, I'm not earning right so like ya I don't really save but ya lah I think definitely people, in general should be, should be saving and spending more


ya ya uh


ya, uh correct


ya I think I think definitely many people spend lesser because like they aren't you know travelling they aren't going out, and stuff so definitely spending decreased but ya lah I think like like you said COVID really like you know it was really unexpected and like no one saw it coming and like you say once you retrench and like this like corona outside like


that's it may like you really have to depend on your savings at that period of time so if you didn't have it's like yeah it's, it kinda hard, so ya so so this teaches or something lor to save more cause you never know what's going to come out in the future like another COVID


so ya okay uh this is five, question seven is interesting, do you think someone should own a credit card


ah ya sure


correct , uh ya how do I spend the money I guess it's like like I said I don't you know like, like you know like save money in the sense that you know I put aside two hundred lah I don't touch it kind mine is more of like let's say like I earn like you know five hundred dollars or something then like I just ensure that my spending is lesser than that five hundred dollars like in general I don't spend that much or like when I do I just make sure that it's not


it doesn't reach the amount that I've earn lah so like I don't go I don't become like broke or anything so like ya that just one way, I watch on my spending and I spend on what is necessary like I I always like think a lot before like if I need something or not cause like I know that earning money is not easy lah like I don't want to waste my parents' money or like


my own money right it's always think a lot try not to like waste money or by unnecessary stuff that like throw it away after awhile or anything so ya that that's me, ya but uh, ya actually question for the normal part right is a what heavy mean spending too much on I've show that


actually like food ya like food every time you go is to like ten dollars right ten dollars fifteen dollar your friend everything that that's, honestly if you add up the number of times you go out a week or something then you times that it's actually a lot, I think that's that's quite


the one that I spend a lot on, and also like clothes lah, ya ya sometimes I can go on like you know clothings spree then I just buy a lot of clothes but, but my friend said like I make sure that it doesn't go above, the limit that I want I accept I


tell myself a limit like you know hundred hundred bucks so that I don't, go beyond that lah, ya (hmm), cash flow !huh!


(mm), ya (ppl)


negative experience ya, okay describe a time when first on lah definitely I wish everyone has gone through that right describe a time when where you felt that nobody cares about you as for myself like it happens


ya it happens a lot lah for me like like I said like I very stress like a lot of things right one single thing that you know like if it goes wrong like a like a serious thing I immediately feel that you know if like someone let me down especially someone is very close to me my parents or my sibling or my best friend


like they just have to do one thing and I'll be like oh they don't care about me you know kind I mean I I know it sounds exaggerated about like there's there's a true feeling towards it lah like why they did it and etcetera of course of course I would uh like if it's a small thing I'll try to look past it lah but if it's something


significant, ya ya I I just relate everything together you know I've been like, I'll be like oh they did this they did this they nobody cares about me but like, and I just like I guess I really need to remind myself that like, there's always people who care about me it's just that


at that at that point in time when you so sad about that thing you don't you don't think, and then I just like oh nobody cares about you, kind of thing ya what do you think


uh


uh, correct


ya ya I I think the main part about that like ya you get to you learn to be independent and that's very important lah ya I guess I'm I most probably gonna feel that if I go on SCP right for there's there's not going to be anyone that I know that and I'm gonna feel so


lonely ya okay next one oh that's one very deep , very deep lah heartbreaking moments of my life, ya can you trust on to yourself


oh okay I think I can I think you can do for, what are some of the most hurtful words someone said to you to and how you should forget, ya I think, ya lah like like my parents to get very angry very easily and like


they say a lot of things out of anger which I have always been taking to hide you know things like you know useless etcetera etcetera, like ya so so that kind of thing since young you're hearing is not, very nice lah it it just makes you


it really like shatters your like feelings a lot of times you know sometimes I'm just feeling really happy then I come home then I hear this kind of thing like you know you you just get nag that for nothing, and like, there's so unfair things at home and like that that


is risk is really sad like this I just wish that my parents don't, they tried to think before speaking to me lah ya I know that I'm younger than you and like, I'm your kid and everything but as much as like you should respect my feelings everything and not


say such hurtful things like what what did I even do right, to be that where to like be so rude ya ya I I just I just wish like I can, try to forget all the I mean I am trying to because like you know you live with them and then you just have to like you forget what they say you just try to be happy as much as you can but ya it's a process


ya what about you


ya lor


, , ya it is good that like you take, you know her full stuff as your motivation cause many people may not has that


push you know to doing so that's good, so ya okay describe sure you got something to say first,


I think, I think one significant time that I remember that I felt like giving up was like, before my econs prelims in A levels like, I i I just didn't


you know like catch up with my econs so like I was like literally dying the day before memorising all of the different thing I just, and like I I know it wasn't going wrong like I I knew that I wasn't, up there for like prelims level I knew that I couldn't do the exams were like no one was home at the time no one was in singapore my whole family wasn't in singapore at that time so I was alone study for prelims and crying I've


I started to give up I didn't I didn't know what to do like I couldn't memorise anymore my head is hurting I knew I was gonna fail I don't know what to do I don't know who's gonna pass A level, and the I just call them and I start crying, I said I cannot do this then they will just like it's fine don't need to cry you can always like take next year it's not like a


like like you know it's not like a life or death matter , yeah it is fine it's fine if you take it the next year just you know prepare whereby then and and do and it will also uh like I never expected my parents to say like that because I mean you always expect expect where your parents to be like


why you never study see like you do this you do that but like it was really, very encouraging lah to hear that like, they were like it's okay if if you really cannot it's fine don't worry that kind of thing and then, ya I I feel like giving up to a point that I literally didn't want to go to school the next day you know I didn't want to go and write the exam because I knew I was gonna fail like what's the point right I feel like I I almost fail like I probably about like fifty points of the day it was that bad but like


ya then then I'm just glad that my parents and like my best friend they were there lah to to tell me that it's it's fine you fail also never mind just just do it, ya and ya I'm I'm glad that ever since after prelims I know when prelims also the best but ever since that like the last one or one and a half points towards A levels I really put a lot of effort and like yeah even I couldn't reach like the target target that I wanted I'm glad that like I was almost there you know


like for A levels so so yeah that's probably like my major wanted to give up ya, yeah can move to the next one (hmm)


ya sure sure


ya


uh ya, ya, I think that okay what would I not joke about, one thing that I feel like people should never joke about is like someone's disability lah like


like cause like you know right like I really like to volunteer and stuff, and like, I don't like is is very is very happy to see that you know people despite their disabilities they are still so positive in life and like


they still do things that, you know like people, are fully able people can do like, it it is really happy to see that lah so I I don't like it when like you know if like people, joke about disabilities just like you know you also rude like


like you you you're just lucky that, that, you weren't born like that one that doesn't give you the, uh what ah like it doesn't allow you to make fun of them and like ya and and, many of them actually have much more motivation than no like normal people and they achieve a lot more


than what many people can do like you know that guy uh, what his nick I forgot his ya is it ya I I'm not sure, I'm not sure yeah you say right he is really like unfortunate of what happen to him but


you see how he, became right like he's he's he's been such a blessing to the world like you know motivating people and like everything he's doing so well and he's giving motivation to so many others like, like it it something that you know nobody wants to wants wants seemed to have but like


you see how he made it into a positive thing so like ya so so I think personally that's something that I feel that you should never joke about someone's disabilities lah yeah and it it wasn't them who decided he wasn't he who you who decided it's just based on your luck or whatever


and ya, she respect anyone lah despite their disabilities, yup, next topic, uh the worse nightmare (hmm)


I think I think one thing is like, it's like death lor like, death of someone very close to me I think will shatter me so much like


I never want to think about it like, I mean I know I don't want it to happen but like there's really a lot of thing we loved sometimes you just sitting and like you said that you think about it is, really so sad lah like, it's like you said right like you never know what happen like the next day and it is like really very scary something ever happens


ya I like, I don't know how I'm going to deal with it like you know anything (ppo) ya, [oh] okay


positive experience, okay , I like the first question where are the small things that make you smile okay definitely finally right every single morning I wake up right I just love seeing my rabbit


like like there's just this just the first thing that makes brings me a smile on my face lah and she's so cute then I just like I rush to brush my teeth first the I just go and cuddle with her for awhile feed her after that slowly go do my ya that's like first thing that comes from what's the first thing that comes to your mind


uh uh ya, ya actually like like you said right like a appreciation okay like you know maybe someone who's like like a stranger also right, ya and like you know if you like who live for someone actually there's a lot of people who like, no they don't care they just ignore you there's a bit like oh so rude but like those people who are like so cute like you know they will be like oh thank you and then like you know they start a conversation with you in like they live and like oh where do you stay coming from school ah ah you know you go to the grocery store and auntie ask us to


and that kind of these actually so cute like those those stranger who just like try to be nice or like day to day basis so cute yeah, ya


ya true I feel like this kind of thing is like a bit lesser in singapore than like overseas definitely like overseas people are like so much more, like there was a good morning that kind of thing but we don't see in singapore that often but it it definitely happens lah like cleaning auntie always tells you you walk pass then they will be like good morning girl that kind of thing


okay what sacrifice okay never mind ya ha, I'm I'm I can't I can't think about it because of


you know what sacrifice that you made in A levels, (uh huh) true


true,


, okay I I I I, but I I don't really find the study one okay lah like ya lah you don't spend with spend time with me when I I see it more like a requirement like


you want to like, !hey! you want to do it right you have to do it lor that kind of thing so and like my friends all we study together also, ya I I don't really think of any major sacrifices that I made in life I mean my life so, okay move to the next question


, okay describe the best movie, ya describe the best movie or TV show that you've ever say uh, best movie or TV show !huh! oh I think TV show okay TV show is definitely like modern family I've told you right like I think is is so funny and like


ya lah it's it's so like homely you know to to watch it and like every single time like it just makes me laugh also more like you know I like stress then I I just love it and like every character that is like so cool, ya so it really like all the character's or the family


what's your favourite show


ya, uh, true lah ya the one family that was mess up right and then like they always like


help each other out ya that's that's a good thing, best the movie ah but I like a lot of movies you know, what's my best movie (hmm), !wah! I can't I can't I don't know okay lah if if


not really my exact best movie like on the top but I think one of my tops is harry potter like that one is like something I watch like ten thousand times, why you just go for the harry potter marathon here and there and like, ya it's just so cool, all the uh magic stuff uh memorise all that like you know magic


the what's that called spells, ya that that's my favourite and and I love okay I love this kind of shows or TV's right uh of movies right that you can see the character's growing up like you know modern family like, season one they are like so baby okay lily was a baby and then when they grew up like the season tell then they're like so old they moving out that kind of thing and like


and then there's harry potter also you see them there are like eleven year old kids ten year old kids and then they turn adults that kind of think like growing with them it it really gets to me and I really emotional in the show and you know ya, okay


why choose that, sure


, that's cool, but you have gone to the Kallang stadium right to like experience a bit, ya ya ya you even, ya lah ya lah it's not I I get it I get it it's not like they're okay but like you're halfway that kind of thing


ya , , that's the one place I love to visit ah, okay if it's a place that I never seen before that is a okay a harry potter wizarding world


but yeah I I really it and a reporter ahead lah and I really sad that when I went to London I couldn't go there cause like they didn't have tickets in the period of hours that I didn't know I had to book like way before like one and a half months before it was like sold out so fast, in the period and I couldn't go


so like it's so sad like I only went London once I couldn't go there so I hope, ya in the future if I ever get to go lah I know it's expensive but like it's really like damn worth it like the actual sport that yes let's go then uh they like not everything happens so it has a lot of meaning to me


ya that's about it okay, okay, she most grateful can actually things that you most grateful things in your life I think number one is that is really like the foundation of a license having like a such a stable family right like you know we don't have any


ya correct cause I'm you know we have heard a lot of people a lot of things and other thing and you can really be detrimental to your life and new personal growth in the future lah so I think I am very grateful for having such a stable family like who have like you know always support me that I I don't really have like a


like I've ever had like a how to say ah, inconvenience because of it that I couldn't do my ya personal thing kind of thing so yeah that's one thing that you should definitely and always be grateful for, that's my grateful for I'm


ya,


ya, correct


ya I think lah I also grateful that like like you know like me for so much of close friends like best friends over like our educational eh education years right like primary school secondary school JC like every, phase of my life like always had like a group of friends have always been there like do you know help me out wish I wasn't a loner everywhere


and like ya I think very grateful for that line like can still depend on them, and like that there's also, ah because like, like ya like really like our education system and like you know how singapore interest they like you know they trying to reduce all this ratio


discrimination everything make sure everyone is like friend so we have like friends from like every religion live we visit their house, follow you know like different kind of thing is all like really cute in singapore I'm grateful for that cause we wouldn't be able to like you know experience it if like if another country imagine india is just like indians right you wouldn't really get to know like all these different races and their practices


ya it's it's so cool in singapore ya, what's the third thing, yup


oh ya ya ya , , ya yeah correct ah do share with me the sacrifice they say you make a sacrifice of two years for a safe country that's right


that's the is that's the biggest sacrifice ya but you get paid lah it's for your, you say you it it can help you you know your NS and help you in the future, to be independent yup okay can go into the next one


ya sure, when you go first and you think


why why I feel that this is very directed at me right ya lah, ya lah ya lah ah but yeah I count from very stressful always stress for every single thing but like I think I think it's also good thing for me that like it it I always push myself because of it like I not get stress and be like shit happening


I'll be okay okay okay okay I need to do it ya so so when when things, when I finish like a certain I'm so proud of myself cause like I'm never could have thought that I could have accomplish it but it's because I'm in such a stress so, I always push myself every single day ya I be looking I can do this I can do this I can do this so I think ya that that I'm happy I'm I'm I I I don't want to be so stress lah but like I happy that at least like I don't regret ya I don't regret ya correct


ya ya, ya okay lah we got both pros and cons on this ya


ya correct, okay uh describe a time, proudest moment of your life do you have a proudest moment of your life, do I have the proudest moment uh


I guess I guess maybe there day I you know my POP like my so called POP ya I I really happy I put through law like I I know it also difficult also stress before enlisting and everything but like


when like ya the last day when your finally did it was really so happy like my family I didn't even sleep that night before you know, like what that that really but I mean like it's it's not as as difficult as what you went through lah but it it still something that makes me proud ya on my side ya


(mmhmm)


finance, we can move we can move by question by question then


if you have anything to if you have anything to say then we can uh if you if you any topic you don't want to say anything then we can just skip the topic you just start with the number one


ya ya, actually like when I was growing up I always thought that saving money was always uh when you earn your paycheck then uh


basically you will keep all your money in the bank account and like you know lah how asian people's mindset that's like to save for a rainy day, so always like I was brought up in their mentality of like saving money everyday but, but once I once I read this book called a rich dad poor dad I think is quite a famous book about financial independence


so that's why I realise that, if you just keep your money in the bank account or something that is it's very prone to inflation and mean everything you get is that small bit of interest from the bank but actually you should uh actually the ways you can make money out of money but you need to know how cash flow works so I realise that investing your money is actually a very important


like important skill that, schools in singapore they don't teach us but it's uh it's something that's important for your like a a personal life skill like, it doesn't take you to study like you don't have to study a lot lah you don't want to have a lot of like education knowledge but it's more about improving your personal knowledge to for it so that's one I learn more about investing money and


actually during my free time in NS I I went online and searched a lot of readers about investing in shares and stock market and those are crypto currencies, so I started off with not just a few hundred dollars but I'm planning to like slowly learn cause I know that the only way to learn is by losing money a couple of time so one one way of investment I learnt that it's true


this online term online tools where you can invest money but how about you have you like learn any way to invest the money


actually like uh I'm not not many people know but many banks are offering like savings plan so like, it's like basically how you keep your money in the bank account but like they offer you it's like something call a savings account where, you can put the money inside but then like you can't take out the money for a period of time but the in the in your returns on interest will be higher for this account like


uh for example like uh DBS offer this multiplier account where like, they give three point eight percent interest per annum for your savings ya so like, I feel like uh if people educate themselves about like this kind of savings account from young like actually if you


ya you have to instill this idea of saving but not just saving blindly but like you need to know how to save smart they like so that you can make more money out of it then like uh I feel like, especially like country like singapore where like, it's very competitive and like actually money does matter a lot I I think from young you need to like learn how to save money and how to invest money


so that's in that's for personal investment ya, and then anything else for this topic ya second topic


ya, ya


ya definitely


ya ya, in singapore like, big ticket expenditures like in a way that your first big ticket expenditure when you want to buy a house I feel like the government already kind of helps you in a way with CPF and stuff to get your HDB flat


so that that's that's one way that it can it's uh it it really just a burden on you to like get a house but like in terms of buying a car and starting a family I feel like it it the gauge your income levels and like how safe like your monthly pay check is like you can't be living a job where you can't be working a job where like


your job your stability is not very high but then if you want to have like two or three kids like especially the country in singapore raising kids it's it's actually expensive like as much as government grants and subsidies will have like, the truth is like to raise kids these days like you need to get them a lot of like like how when nowadays when kids are young already they they ask for like Iphones and stuff and like and like ya it's like we're kinda like spoils in a sense this generation and like


buying uh that's it's a like you need to you need to have a lot of money for your kids and like imagine having two or three kids and you need you need to know how much it like maybe if you earn lesser then, not exactly is it is it a good idea to start a big very big family or, maybe you need to or maybe there's some people in singapore they feel like they should work a bit longer in their teenage days on their teenage when they're like just married or like maybe they hit the thirties then they have a kid ya so


it's an important thing like you can't just start a family with no money and buying a car, definitely like in singapore is, I mean from what I've heard it's like, one of the most expensive countries in the world to get a car but, even in the sense like almost singapore almost every family every household has a car but


in the future , I mean considering our public transport system where it so like, properly built and is very uh, in ease it helps to travelling is like buying a car depends on your own personal needs like if you look at your own convenience ya but


uh so the, the main idea is before planning for big ticket expenditure you look at, you're in your job stability your income levels how much your family can earn ya and like if you look at the prospect if you are having your prospect of your income is not very high then you should be a bit more careful before starting a family cause it's not actually very easy in singapore ya


can move on to the next topic


ya, so financial commitments before and after marriage, before marriage financial commitments uh lesser because you earn money only for yourself like so call for your future but after marriage there comes a your ya what level of you say just now like like uh


family housing car, a lot of more expenses kicking there so, commitments before after marriage basically in a sense like what you said ya like how you bring both your income together to


to like put it to one like ya like if you can't only be one person okay can be one person supporting that if the person earns a good amount of money but in general like internal how to like, as a as a couple you need to know how much to save how much to spend and like, it it something that you can learn on your own like you don't have to go and consult a professional anything like definitely I I feel like in singaporeans I feel they are good at saving in a sense ya so


there's this basically the idea is it


ya, can how, next topic COVID post COVID world


what changes ya


what I feel is COVID was one of the most , unexpected situations that hit the whole world and, we were affected like in always likes uh emotionally economic a lot of many countries are facing economic slowdowns and stuff


what I feel is COVID taught one thing is when you can always your job is always you can always get retrenched from your job like COVID you see how SIA they like as I read this article where like there are many pilots who got retrenched and they actually went out went out to work as like delivery jobs and stuff like


so it shows that no matter how high profession do you are like all it takes is this kind of like unexpected event to occur then like your job you just lose a job and like, your status just goes all the way down so COVID taught one thing is one thing COVID taught is that, if there always have savings there's kind of you need to to have those this kind of like


uh so called like, secure security saving along alongside you you can't you just be putting everything to expenditure you to always have like that a sum of money except for your stuff in case like you know for what for the worst case scenario so I feel like a post COVID people will have like a higher percentage of their savings for like


expecting start stuff and also like, health related issues like the world is going through like many currently right now so you need to have more money set aside for yourself so I feel like savings will be wanting their savings will be one thing that uh post COVID that people will save more I feel


ya so cause your jobs your job is uh never secure in a sense so and a lucky our government uh they give us those are my payouts monthly but, in general even even so like in general you need to have your own money set aside for this kind of stuff


cause currently a post COVID is not actually going to be very easy to find jobs for people who are got retrenched, ya so especially if your family you need to make sure you have, saving so you can continue supporting your family, in terms of spending I feel like ya


I kinda of feel like people will spend lesser for a start but , for our economy to like have a boom backup people do have to spend more I think there's more the government side , like government pumping the government the pumping their government expenditure to boost our spendings


but, ya spend spending wise go ahead of maybe a bit lesser I'm, I got to say I'm not too sure about that yeah


yup yup, true true, uh next question you can choose any other question like some other question that you comfortable with uh


uh, not to not to sure to say the question fourteen, how do you spend your money expenditure as a fact ya so


currently how do I spend my money is , for now whatever allowance I get from NS mostly , spending on like food or, uh most I spending on food and just go out with my friends but, in my workplace I my a lot of my friends they started using this uh some apps to invest on shares and crypto currency actually a lot of them uh


they made a very good amount of money like during actually put in like a few hundred dollars and they ended up times two of whatever money to put in, so I realise that like instead of like, just spending money just saving and spending blindly like, if you start early in life like currently with this this point of time if you already you can nurture the skill of investing like it'll be very helpful for your future because


maybe you're earn about four thousand maybe you can uh saved spend some for your monthly bills and stuff like you can always have some money set aside to invest like investing is gonna be I personally feel that there's gonna be something that, is going to be very, famous like a very big in the future because during COVID I feel like because people stay at home they'll people want to make money and one way to like not go to work and make money through such tools like


but I mean I'm not saying it's very easy but like it's very convenient to sit down in front of a computer and then like like just do it you don't have to go to work but there's a lot of people who are like millionaires now cause they invested properly ya so one way to like spend your money, expenditure


ya wanted to spend on money invest safe, spend on only what you need like, don't just anyhow waste money cause the as for as like what we talk like during COVID or post COVID like you never know yeah when when when when where job will be on line and I know that many jobs they're taking a pay cut now like they don't earn as much as the last time so it's gonna take a while to recover from it ya


ya, yup


ya, I would say the same


last question uh how do you manage your cash flow, ya so for me what I I I'm know there's like three type of income where is like uh your passive passive income your, portfolio income so portfolio income is more like uh what do you get through dividends yeah so like so called like investment lah like the whatever money you get passive income is uh


like those those the the money you get through like real estate so, like if you if you rent out of place then every month you get three four thousand from it ya passive income, then there's a basic income which is uh your, whatever money you get from your salary like if you want to be financially independent or like you know like like some kind of independence or like uh social financial security if you want it you can't just rely on one type of income just your paycheck cause that's not that's definitely never enough but


uh feel like passive income and portfolio income is something that like a lot of these people why they're why they're making big money is because of this stuff like real estate they buy land they buy properties they rent it out they get money through that, then they invest in didn't have this portfolio income where they get money from their dividends and investments ya so


this a three type of income I know this (uh) this what this what I heard about cash flow ya from what I read on


negative experience, ah ya should you should choose the question that you can like


uh so you can start,


uh okay for me mostly like I don't get the feeling of nobody cares about me because uh, in general like my parents my mom especially on my dad they always they they can say when I'm feeling like, a lonely or stress so like


they always like uh ya you always come and ask me if I'm okay so in that sense that I'm glad that, no people care about me but one moment that I feel like nobody cares about you it's uh, I mean two moments one is like my CCA and my JC time when football like


like I don't know why but like I just couldn't play properly during my trainings and I lost a lot of confidence like it's not that I'm bad in the sport but, I just couldn't get things going there like football is my passion is my hobby but there's during training I can't even kick a ball properly or like I can't even focus on training like just couldn't get things going


but at that time lah I feel like, after that in such intense sport CCA's like, like, people are more concerned about their own performance also in a sense like , like people are not there to come and worry like uh are you okay like there are people who come and tell you like you know do better word like once once your lagging behind the a pack like


like people don't really come and tell you like didn't want really cares lah like want to become bad means like cause they want to earn their place in they're they want to play, so I feel like that's why nobody they care about me whereas when I just that I wasn't really doing well in my trainings but I feel like no one really cared much I'm not saying that they


like completely like ignore me but I just feel like no one really care come and ask me like why or like what's this happening like I was doing badly what people assume that like I'm just bad at this sport, so that was just one moment where I really felt like no one cares about me at that time, like like I just felt like I just kept my feelings to myself more and more so like eventually like I didn't even make it to the team at the end


so like then that's why I realised that you need someone to come and ask you like I feel like you just you don't know what's you don't know what people are going through in their in their mind like sometime people like it's not only sports like even studies sometime people just can't like , they just can't study properly but it just it it's not because they are


them like not intelligent enough or something sometimes it just like, they have something inside they just don't want to tell you about that you they don't want ask them or what he told you just feel like to keeping all the emotions themselves, so there's one and second was I feel like enlistment what enlisting kind of felt like nobody care about me but I know my parents care about me but once I enlist inside the place like


all you know was like, uh like your so called high up so I was just like, like like they're trying to find fault right and in a sense that like at that time like you the person that cares most about you is yourself, like even if even though if buddies and friends there like for the first one month is all about like surviving just want to care are you doing okay so that's one point of time where a lot of self independence like like


in the end right in life like the one person you can always rely on is yourself, so yes yeah that's the time I feel like nobody care about me and like now I'm grow to realise that like ya, ya that's one thing


ya so, yes, uh most heartbreaking


I mean you can choose other topic that's like actually a lot too you can, ya you can say something that they want talk about


I feel like ya sure you can talk about it


uh hurtful words, in general like , people when someone tell something hurtful to me I I tend to take it very personally like, like I just cannot forget it even even if the person like so called doesn't even matter to you like when I hear some bad comment about me I I it affects me a lot like


it be it anything like someone someone says like oh you like no this guy or like you like you like you can't do this you can't do that like like it just makes me like very affected like I just feel that uh like, like you don't you don't want to hear such things that like you're not good at this or like like, your hurtful like they say like uh like uh you like don't


it can be a lot of stuff but one incident was uh like when I was in secondary school , ah two ya ya it was those times like my form teacher was a person who was like a bit strict and like , she doesn't really care about what she talk so like and my results weren't very good in my midterm score so there's during my parents teacher meeting like she was very open and she like I know what she trying to say but she was too like


I don't know it's just too harsh you say like, I'm not in that smart enough to be in the express stream or like uh, she said like at least read like I'll go like normal academic or like I will go to art stream next, like she made my parents feel like as if like I'm just now doing anything in the school like it's not true it's just that


of course like during one two it like if people don't people don't tend to be so like in like so on about studying, so that time like, like I was I just felt them hurt like, let's say that your own form teacher talks to like this and you know like asian parents are like they can't take these kind of things like very seriously


so like at that time like but the one thing I did good was uh I learnt that, when people, when it's actually good sometimes and people say something bad about you right is when you have your biggest motivation to prove people wrong, ya so what I did was ever since then in life like whenever someone say something bad about me like or like


or you can't do this you can't do that like that's uh the, a spice added factor in like making me you want to do it so subsequently like in the year itself I study harder than I I got better results than like ya so that's why I realise that no matter what in life that, when you feel like someone says you can't do it is when I really want to do it so hurt sometimes for me hurtful words when I used I used I take it seriously but


that's when uh the most motivator to prove people wrong, there's many times where I've heard hurtful words but, I've I did my best to like make sure that the person regret saying it ya, there's something ya pretty much


in a uh, that time I feel like giving up maybe


ah yeah definitely uh, uh I went for OBS during my NS time like about last year december so, this was like once I started working my vocation in NS where like life was a pretty smooth already that time like just go for shift work come back so like


and then I was asked to because I ask you tell us like a leader in my uh workplace ask me to go for this OBS camping this is not just any normal OBS but they changes will be asked to be a notch higher, for more NS base experience so like I honestly I didn't know what was gonna hit me so once I went in there


the first thing that , they ask us to jump down like on the way to #pulau ubin# halfway they ask to jump down the boat and then swim there, ya so like that like that itself took me by shock like I didn't know what's happening already then like every single day use to carry like five KG backpacks and like and also in in excess of that which carry like food bags and like very it's very heavy water bottles and like


hike throughout anyone's raining every single day like without fail every single day and sometimes that they will give you time limits right so, when carrying when carrying heavy stuff you can walk slowly sometimes don't say like you only have ten more minutes to get to the location lah if not you have to like go another place like travel extra ten kilometres so that times you like you run to the place with that one of weird to have like all your mind you just you just thinking like


uh like just ah like why did I sign up for this why am I doing this thing, the one day where, we set up a tent to sleep at night and then it started raining then in the middle of the night I woke up and I found that it was like a like a swimming pool that like a puddle of water in my whole tent like so my whole body my hair everything was wet then I just keep asking myself why am I doing this like


like what do I get on doing is there once I went kayaking like I really couldn't even like like even pedal anymore already then one question is like I really wanted to just stop already and just say that I wanna like fallout already but then what kept me going is a like


the fact that firstly everyone is doing it and secondly like, imagine going all the way there and then giving up like it I feel like it will hurt my confidence and like yourself belief that like since then you will feel like uh like I'm no I can't do this I'm not good at this so like I just keep going I just want to I I told myself that it's uh I want to push the limits in like so that


like once I finish OBS right I I had this trust that no matter what I can do it like, I I I wouldn't give up so like I really felt like giving up I one I one point of time I really wanted to like just tell instructor I couldn't do it but I told myself that I want to complete it and like show myself that I'm capable of like then like pushing my limits so ya there's one time I really felt like giving up


how about you


life in life ya ya that's true that's true


harsh yes


definitely uh next question, do you want do the what is the one thing you'll never joke about I don't know you feel it, for me, one thing I don't joke about is someone's or financial status for sure like


uh like there's something that's so insensitive you know like, like talking about someone's financial backing or financial status is so I just feel like I will never that's something I'll never joke about like like cause uh like from what my parents like I've what I hear from my dad lah like when he was in india like like basically they had no money they'd stayed like


ten fifteen people in like a very small house like didn't have money to write exams didn't have money to like eat good food, so like, that time there's where like their cousins who were like uh like so called relatives who are richer but like you know how like indian indian people they have this like ego where like


if one person is richer than the other person they'll try to like flex on the person like like you know like uh like ya we have this car we have this thing like for my son is doing this doing that, so my my dad always like, like, used to share saying that like


it never felt good lah knowing that like you are the one like disadvantaged but then my dad told me there's one thing that I'll never forget these like , money like one day you will come but next day you will just disappear like it's it's not something they will stay for your rest of your life so like


like is it like one like like you never know who's going to be poor at this time maybe ten years later they can be rich like a lot of millionaires like the when I you know like many of them were just like college dropouts a lot of them were just like, like you see those people who invent new stuff there are just people who are like


they're not exactly like super qualified or they they has to get that once part of idea and then or it said YouTuber are actors ah they many many of them didn't do well in their like were very poor when they were young, they were suffering then now look at them earning billions of dollars so like I just feel like, like you shouldn't make fun of someone's financial status because you never know like


like money is never a gauge of someone's a worth like, I I agree money does get you a lot of stuff but if you can never you should never like, mistreat someone or just cause they are poor like you know how like I I mean have to reference to india where I going to how like some certain caste systems who happen right like when there are people who are like the so call like low caste people when they their income level is low but then like the rich people like mistreat them they like uh


they like treat them sometimes get treat as slave and stuff so like just because of poor then like like they all is because they are poor then they they just get treated badly so ya that's one thing ah I never you joke about personally


uh named jova that guy forget the name already can forget my ya ya the YouTube guy


uh, worst nightmare hope will not happen in real life, uh I dunno lah worse nightmare


yes ah same yup yup


positive experience, okay first question


, things always make me smile is uh, actually there's a lot but small small things that make me smile is, actually when probably is something like when people say like


like they appreciate what do you do all they say thank you or like for that like they don't have to save for some stuff like uh like you just small things but people like appreciate what you did or some when people acknowledge something you did like, and I I find it I find I'm I feel happy when someone acknowledges my effort like ya that's something that makes me happy because I feel that sometimes actually you might have been you might have put a lot of effort into like doing something or like like maybe


, something that you are personal goal like you put in effort, then usually it's very hard for people to notice effort these days lah like more people are more focused on the outcome your your success but didn't look at the path towards it so I feel like, it's when people acknowledge and say like good job like uh say you've tried like especially in school like


like my teachers used to say like uh my my marks have been very good that time but my teacher always say like uh, uh good job as I said that you have tried or like if put in effort like that gives me this very like, self confidence and makes you smile and makes me happy that someone actually recognises what I do


another thing that makes me smile is uh, like and people tend people like care about you they message you and say good morning like what say I want to meet you like , I actually I miss hanging out with you like when I feel some importance in someone's life


that's definitely like a time where I feel happy ya, there's something that makes me smile in general ya


actually like in singapore it's hard to say cause everyone it's like, busy or like occupied I think overseas it's, like when I went to australia or anything then I feel like people are very nice like they will always they always like say hi how are you and like a random person can just talk to you like everyone is friends like there's no like awkwardness by doing it but think in singapore like people kind of take it really differently when you talk to them like ya ya


ya definitely, open, ya definitely


yup, I mean they can just what are sacrifices that you have made worth it are there deep sacrifices, I mean I only think about like, uh A levels sacrifices I can think about it ya like


cause, uh sacrifices as in, definitely like there are times where you just want to don't study and go out with your friends or whatever but that is a sacrifice what like the fact that you cut your you cut your leisure time just to study like


like it's not easy may I personally for me as long as it like I'm the kind of person that I always prefer having fun like going out with my friends or family like, like there are times where like there are certain times where like I have to ask my family to like just go for like go out for dinner or something without me because I need to like uh finished my not homework but like finished studying for like this covering this chapter like


all all just for exam like you have to I just I mean during my JC time there's a kind of a lot of sacrifice I made during that time, like in terms of studying I made a lot of like personal time sacrifice like, more stress, uh kind of living lah if this like wake up everyday then like


you want to do something fun but you just like tell yourself like no know like I need to like cut my time having fun and do more work, ya there's then other sacrifice maybe is during like , like getting fit during CCA time like, where it I can just like instead of like joining a normal CCA like just having fun like tend to like


uh sacrifice in what kind of sacrifice is, sacrifice your happy ya happiness lah like you put yourself through pain to get what do you want ya


ya, ya I mean, I mean it's it's small lah small but quite worth so it's worth sacrifice so ya, yup uh


ya same same


uh I mean same I I usually I watch modern family the most also that's because uh emphasises the importance on , like family relationship relationships and everything partners like how small misunderstandings like actually in this current world like people easily ah have misunderstandings


a lot of people like I see they break up from relationships and stuff like, cause there are small misunderstandings and they don't like, they don't take your time to like listen to what other person you're saying like, I feel like if someone like if your partner makes a mistake and like some people easily just feel like uh this is the end of our relationship or whatever but modern family always emphasises like no matter whatever mistake people make like whatever like blunder someone does like there's always a time where you can patch things up and like forgive each other like everyone humans all everyone all make mistakes so


that taught that taught me a lot like for life like I feel like it more forgiving be more kind towards one another and it's just funny like, just tells you that life is like just have to keep it like you know like don't don't don't complicate it like, just just take care of people around you and just stay happy


okay let's go to the next topic, uh, maybe the one place you love to visit, and why, or do you want that one place love a place you love to visit, like for me personally uh


I really want to visit, uh england like like UK, because uh personally like, I'm a football fan and I support Manchester united so, most of the football stadium are all located in London and


around London like that mine I have my clubs located in Manchester like, from young I have always wanted to like sit down in a stadium and experience the, experience the atmosphere that like I've seen it isn't like through TV itself it feels like it feels so like uh like such a miracle like


it's like it's like it's so loud when like about seventy thousand people come together at one place and watch a match together like so I always told my parents that or my friends I always told them that once it like once a lifetime we have to spend money going to like this place like uh, so I really want to go to uh england ah I really want to


watch a Manchester united match there's once in my lifetime life sitting on the crowd but sadly now like after COVID come like, uh people they don't allow people inside stadiums anymore so like, I don't know hopefully the next one or two years when like things get normal like I can hopefully do that and ya that's one reason I really want to visit their place just for the


just for the experience or how does it feel like being in a stadium, just one one place I I love to visit and how about you, oh the sports hub is it I was in singapore like the atmosphere is like


pretty like average sia, ya but I know that in england like the people are crazy like they hardcore they will ya I want to like go there and watch it and like, that's definitely like my dream one place I want to visit


ya how about you


ya pass both, ya definitely , what are three things most grateful for


like issues family, said


ya but I mean I same thing lah I would say I'm grateful for like, a proper family like who like actually like there are many people in the world who don't even have don't even have proper like parents a lot of them are single parented like like it's so the, that I know people who like


like divorce or the marriage doesn't go well these days so a lot a lot of people like it during the last time like it's used to be a uh uh these you people are one out like they are like single parented but I feel now this is very common that people are single parented and like


therefore child to having having a single parents actually not easy like you only you only like get them either your mom or dad will take care I feel like it's actually a lot of burden on the child so like they don't get the proper like childhood of a more affection, love they don't really stay in that young ages so having like


family like a parent parents is itself is a blessing and like secondly I will say financial financially I'm grateful that, like my parents were able to support me from young like like, maybe at the start they weren't doing so well but like there's they eventually like they they like my dad okay because my family my dad's working


so I'm grateful that my dad like cause he actually came from india to singapore to work, and when he come like he only had like what five hundred dollars with him but, his goal was to like uh start his own business and like make it big you talking about you talking about ten years to do it but like


like I I'm glad that he put in his hard work like he sacrifice to like so that we can we can do it like ya so I'm glad that I my dad like, he he sacrifice a lot of his heart he put in a lot of hard work and sacrifice this time and he work so long


just so they can support ah so ya quite I'm grateful for that


the diversity low diversity ya, ya I mean talking about that maybe uh I'm grateful that I'm in singapore or like, in a country that so like so peaceful like, I can walk alone at night at three AM and I don't have to worry about like you know that


not many countries in the world where you get you can peacefully walk out at night especially for women to walk out at night like there are many countries the world that women uh women like uh like they're scared they're scared like some or something to happen to them and singapore I feel like I was like our forces our security our social security is so strong


that we have a very like uh you can sleep peacefully at night there are many countries the world that, and people sleep at night they actually don't know what's gonna happen next day they just live on the basis that like I hopefully I'll survive like if one of those countries that there's experience bombings and stuff like


and I'm also glad in singapore like we are less prone to all this like natural like causes of the earthquake tsunami and like, yeah I'm actually very happy that I'm in singapore like as much as I like I'm like , I'm pretty sad that I have to go through NS and stuff but I I think it's it's part of like a give and take like


ah I have to do my part in keeping the country safe also so ya, ya, ya ya actually ya correct that's maybe my biggest sacrifice ya, ya


ya so, I've definitely learnt a lot ya so next topic, do you wanna do the what do you love most about yourself


ya, what I love most about myself is that, uh, like I'm I'm pretty chill like I don't know how to explain it but like


usually like when when I face any hardship right I tell myself like okay when I was younger definitely I used to panic and I like you know how people feel like once they face some hardship they feel like ending their life or like they feel like this the end of the world like I feel l personally I no matter whatever I face I'll just tell myself that


uh look that this is just okay maybe if like studies like I don't I don't damn badly then like like I will just tell myself this is part of life like this there's definitely another route in life definitely definitely something else you can do like, you're you're still alive like you can there's still something else that you can salvage in life there's it's not all gone so I tend to be really pretty chill no matter what even in like like friendships relationships are just like


I'm generally like whenever something bad happens like I tend to be a more forgiving I tend to be more open I feel that, the more open and forgiving you are life would be easier like you can't just keep like uh for me personally I like I like I like myself that I'm very open and chill like I'm not to like stiff like in the sense that like


I get upset over everything or likes you know like I get I get stressed out or like I I'm just ya I like I like to be happy and chill like even during like, A level times like I I decided not to think of stress too much to my head I'll just do something else I'll just be like


I won't study all the way I'll just do something that I like I like just below practical ya just more chill that's something that I like about myself, I'm I'm just personal personally I mean you you get you you mean you will you good at something also like you can share about it


ya ya like you always push yourself to a new limits ya


I mean there's something good in like in what do you do ya like, like you you always do you always like try to, like learn something new or achieve something new so like like I don't do it like that's that's the negative of what am I being too chill is like you don't get to push yourself but ya I'm like you you do get it so like yeah see there's there's good and bad in whatever


ya, ya so it's pretty good, yup uh


honestly, honestly, uh ya


ya, ya, same like


(ppo) mine is still ya


banking, hi my name is Shamu,


uh yes uh I have a savings account I have a POSB savings account uh my mum actually turn uh got this done for me before I started school