ya I was rewarded with a lot of like accreditation to move up from playing local competitions to, to worlds to world to world standards I think that's that's one of my the risks that I took but I wouldn't say the risk is very high ya


uh, , ya


ya lah I mean the fact is that you know you took a risk to go into to your existing company then ya I think you're rewarded with quite good like uh you are able to see different innovations as well ya


ya so ya, eh we missed a question describe a time when you can't wait to attend or attend a special event or concert, ya


ya formula one this year right, cause of COVID, we attended last year oh you can't wait oh describe a time when you can't wait to attend ya formula one like downright definitely formula one I've been looking forward to this year's formula one and it's cancelled because of COVID dammit


!hais!


prompt one of four


yup


and because of the fact that you know bank loans have multiple different ya you know interest rates but you can you can actually pick , to to soften the blow from the HDB loan ya so I think it's ya


they're not going to give you chances just for that,


better than taking a bank loan


uh have we bought a house ya because of the fact that we are buying our Tampines house which is which is coming up in two thousand and twenty-one I think two thousand twenty-two god knows I don't


besides the property price I think the the fees that occurs towards the transaction were pretty much that lawyer note the lawyer fees what else were there lawyer fees, were there any stamp duties ya stamp duties as well ya


ya these are the few


yup we purchased everything off our CPF it was a lot easier as well


ten it was ten percent to date, it's ten percent to date so we have already paid our ten percent down payment which it means that that's a lot easier if you have everything handled by CPF


better than than you having to find a bank loan going to the bank speaking to the uh the you know the tellers or or, the consultant there I think it's a lot easier if you just use your CPF to to do everything


do you apply for a HDB grant yes uh we we actually applied for the HDB grant in before we actually purchased our our house and ya so we we have to go through the entire


process where we have to apply for it and then wait a couple of months, uh or was, uh ya so we have to give some of the pay slips our our CPF statements and all that and then I think after a year then they got back to


to ask about, about the successful grant, , ya you have, yes so it's like , really really put in so much effort only to get five thousand dollars


choice of ya and also the choice of area that we bought


that is the question that we still don't know but I guess I guess is more of finding out, as the time comes, ya anyway so ya but we have to of course apply for the HDB grant when you have a single person not as a married couple but I'm pretty sure you can do it as a married couple too so I think


ya, exactly so, yup


ya loan from bank from


and also how much it's going to cost us to make a renovation plan so it not necessarily everything has to go through renovation uh loan but I mean if we can afford it then of course like you know we don't need a renovation loan just for


just for uh renovating the house ya exactly


yup totally agree, toilets


ya we got the doors, yup , it's okay,


loans and what not, and plus and plus they always give us the air conditioning and stuff for free so ya why not, , would you buy property for investment given the implementation of buyer stamp duty


!wow! , would you buy property for investment in general I think I would, I would definitely buy a investment home buy a property for investment, I mean if I had spare cash lying around on the house or something but ya


investment ya, ya, that's


that's true I mean like unless you rent it out of course and then you know, you got to stay there for five years before you can rent out


something like that that's ya something that


that is taking awkward to the next level but ya , ya staying with someone else in the same house and then like, no I wanted to rent you the whole house not staying with you in this house


ya that's true it is it is it is it is, , ya, but then but then having the additional buyer stamp duty deters some investing


I mean think about it the stamp duty wasn't cheap, it really wasn't cheap, it was at least like uh in the tens I guess, I can't remember how much was our I can't remember how much was our stamp duty


, ya, that is true


but difficult ya difficult thing


I think everybody was stressed out during that period but ya, I think it's more of a ya, I see


oh ya that's true


that was fun though, it's okay, I still feel it's a it's a, investment in a way


ya it was no uh it was that one and and the Tengah estate ya


the the west or the north at least the north ya the north, nobody invest in the north


is there anything we didn't cover I think that's pretty much all we covered right ya, that's great


(mm)


prompt three out of four, what are the injustice of the world that make you angry, black lives matter


that is what, makes me angry, ya, because of the things why people do or at least the things that america has done to you know to


the the african americans, think about it, I I do agree I, I do agree but that doesn't mean that I look past slavery for past a long time ago


slavery is something that you cannot deny that it has happened before, it it continues to happen regardless of how you see it maybe in the modern society it's not really considered as slavery but, it is still something that you see happening on a day to day basis


, ya so it it that's something that I wish, just ya gets itself resolved


oh


okay so let's skip that one then let's move on to what is your most embarrassing moment, ya same


what is my most embarrassing moment, what is my most embarrassing moment, eh do I have any embarrassing moments


tearing my pants in school I guess, tearing my pants in school, ya, ya it is embarrassing okay, describe a moment where you felt like you were treated unfairly


of course I have a lot of this, being an indian in singapore does not make you does not make you any less of a racial, you know a racial


difference like there's no harmony there's no such thing as harmony uh ya of course there is no such thing as harmony, I mean of course of course when you see it from that side of course there is like you know the the the words that say


ya ya ya I mean I don't disagree, there are words that say it but the people that act it out is totally different, ya ya I'm not saying that oh everyone doesn't, ya I don't say that everyone does not practise it but ya racial harmony in singapore does not exist that is something it does not it does not


I mean not within us apart from that, ya so that's pretty much


they cater more towards the the I would say they they they have favouritism as well that's one , even even when you look at it even last night's last night's uh report about some landlord refusing to rent out their house to foreign workers during this COVID nineteen period just because they were indians


that that points uh ya ya there was one last night ya so that itself draws a line to show that !hey! you know what this is a period where everybody has to get together whether you like it or not you know if you if you want to refuse a person like that then


you know that makes you any less a human


that's true, okay what, okay shall we move on to the next one, what dreams of yours die a little each passing day


I have a answer straight to my head so, I wanted to be a formula one driver since I was young that that dreams


no it's okay it's still passing day I will live with it then I will die with it , so ya


I guess everybody was wrong because now it seems that everybody is a vlogger blogger uh influencer art specialist ya sure, uh not being cheap helps to earn sometimes


ya ya it is true it is true, uh, describe a time when you feel awful about helping someone feel awful about helping someone ya lending give you money when they don't pay you back


ya I am a multiple victim of that


decides to backstab you


cheated on


I have nothing I have never cringed that much , like I know what keeps me awake at night though, what keeps you awake at night is knowing what's going to happen the it's like thinking yourself what's going to happen the next day could be a good thing could be a bad thing it could be a you know it could be neutral thing but


when you start thinking about the bad things your mind automatically goes into a stage where it goes negative and starts keeping you awake like like automatically you start thinking that okay , am I going to live tonight or is there a monster under my bed that's going to creep up and get me tonight ya it's all


keeps on going never stops, I mean until you sleep ah but ya


and then coffee


describe the moment where you feel like the world is against you


!wah!, whenever I


what, now I have whenever I look at my bank balance


what because you couldn't get a boyfriend, ah


that was your world against you, describe a time where you were heartbroken man this is a question that everybody can answer everybody has been heartbroken at least once or twice or five times or seven times so uh


heartbroken eh, ex-girlfriends come on, ex-girlfriends cheating on you no no that's too personal I I choose not to, uh


uh uh


describe a time when you were looked down by your friends or relatives, oh this one ever since young man, what's new


for me is just not being rich but now, tides have changed, ya


describe a time when you felt betrayed, ya same thing when my ex-girlfriend cheated on me


if you are going to die tomorrow what are your last words to your loved ones delete my internet history, delete my internet history I I don't really have much last words


ya no lah I I mean last words, uh, uh do you do you if you are going to die tomorrow what are your last words that I seriously don't have last words I mean


it, ya that's true we travel but to me it's like to me it's like what if you don't even get the last words like what if a straight hit the bucket you'd gone you don't have last words, you know it's


it, uh , and, live life, don't conform to the system and live life


ya we are almost done so describe a time when you felt like giving up, almost every day when I work out ,


ya, I think I I think your work in general just , ya


difficult, I agree


describe a time when you felt like giving up, you feel like okay you feel like you're being a


work I guess, ya, I mean when back when COVID wasn't around, there's so many times when you want to give up because of the fact that you're sick and tired of doing of of


how broken the system is, but, that is me on an everyday basis man


ya, I mean we kind of do but it's just that we have to live homeless for a while lah but


ya that's that's pretty much what my sister did as well so, ya she she she did the same thing they just bought a one-way ticket never came back and and and then ya you know figured it out as they went along


yup I think that's pretty much it ya


uh part prompt two of four, what makes you persevere ah what makes you persevere


uh , what makes me persevere okay well learning new technologies in life is what makes me persevere technology is a never-ending game for me so


it is a it's a whole new experience altogether , you you know being in being in a industry where you enjoy what you do or you enjoy what, uh


ya what what you actually do on a daily basis whether you are tinkering with new things or whether you are engaging yourself for the next experience that is pretty much what makes me persevere knowing that tomorrow I can wake up and there's be something new or that that I haven't tried yet


what makes you persevere , , ya


a builder I'm not a destroyer I'm never a destroyer ya, ya exactly ya I'm a repairman I enjoy what I do


what makes


okay we can answer this together I think we pretty much know what's the answer's going to be , you don't know okay , in the post COVID world who or what are you newly thankful or appreciative towards travelling I can't wait to get out I need to go


, may I think may may may ya may may


appreciate the days where we used to be able to travel without having to worry about anything


yes, that is


just just admit it I'm not efficient at home that's pretty much , I am effectively on leave until the end of this year I hope


ya


I have nothing to say to that sure


you are like grown children


sure funny inside joke !wow!


I am I am I am yes yes thank you for saying that ya, you see these things don't run the top of my head okay it just comes and goes ya


ya, share a funny inside joke, !wow!, what would classify as an inside joke


uh okay no that's a fond memory that's a fond memory, start an I guess an inside joke would be more of , watching how people wear their mask every day, you see randos like wearing some on their eyes some on you know like full face mask and stuff like that that's an inside joke ya


uh


that's true, many many fond memories ya I've got a lot of fond memories as well


ya it's like ah some of them ya, be this cold


yup, fond memories between our loved ones !aiya! every day is a fond memory lah I would say every day is a fond memory during this period


ya, ya, what are things that you look more most forward to when the pandemic ends, going out and food and travel


it never ends, what was the best meal you ever had !wow! this is a question that I love saying oh I don't really care there is no such thing as the best meal you ever had


every meal is the best thing you ever had you know it for yourself especially if it's free if it's free it's a lot better than anything else , no it's just it's just the way life is when life presents you with free food you know it's going to taste better than the one that you paid out of your own pocket


, blew my mind


oh, Ramen, Ramen


I'm still speaking about it (ppc), ya that's because I'm kind of sick of it though but ya


exactly that's why I've been eating Ramen by myself and I pretty much tried everything until I'm sick and tried of all the Ramen in singapore, I need to expand my horizons, come on your best meal you ever had is freaking hot pot


we just had it last night oh okay true, ya, like I said everything is the best meal


you know what's the best meal I have ever had supermarket food like a sample that's the best meal you ever had ya


samples samples are the best meal you ever had man come on, it's not embarrassing when you accept it, ya


best surprise ah, engagement ring lor our engagement ring what else is a surprise, I could buy you a freaking like like apple watch and stuff that is not a surprise engagement ring that's a surprise


the best one you have given me is my flash toy that's it, I mean that's uh ya so far no but the the flash was really a surprise


ya I never expected it, it is a surprise you didn't know what the ring was going to be that's a surprise


travel the world, ya, that's true


I wasn't, ya ya but that wasn't us that was like uh a team the event,


describe a time when you laughed too hard, oh, ya no no I I'm I'm trying to ya I want to attend the questions that are more prominent describe a time when you laughed too hard


this is when we do activities together , every activity is a joke, oh right right


we thought we were special, we were born in different years , I did laugh uh my laughed too hard was when we played uh escape room for the first time


oh god that was a day where I remembered I cried my heart out I was like shit these idiots ya these idiots are useless , ya that reminds me about it where's the about it soon


describe a time when you when you took a risk and was rewarded with success, took a risk eh


does does this risk considered as a risk running in the rain all the way across the street to buy bubble tea cause that's a reward anyway and it was success technically it was a risk and a success ya I've made it across the street in the rain


yes that's true, networking innovations people


, formula one, we both know it's formula one


ya uh last year as well but we attended in the end but, ya but this year


ya awesome


part one financial related topic ya


uh I'll probably tell myself to spend lesser and save more ya cause I mean like, as you grow older right then you realise like the need to save for a lot of like other big things in life ya but then like when I was young like I didn't really like give much attention


or like I knew ah but then I I would think that like oh it's okay I always have time to like save, next time so it's okay if I splurge on that one item now but like now I realised that like uh it's more important lah to save first and then spend next time ya


that's true but then like even then, uh five years ago from now I will be like what seventeen so I won't even have anything to to like, invest in the first place , so ya depends on age also ah ya


I think for me to start off it will be more wise to get someone to plan my finances and then like until the point whereby you know what you want to do with your money then like you can just


stop paying them and then DIY yourself when you like know more about like how to manage your own money ya


I think it's possible because like, like your financial adviser like will give you like he will he will tell you about a lot of like opportunities that you can like take on et cetera and then like advise you like which route to take but then like as


how to say like as like as years goes go by right then like you roughly know like what your next step should be and then even if like you don't I think it's okay to fall back on like what your friends or like your


like your parents' advice and I don't think there's a need in the future, like in the long run lah to have someone plan it for you, ya,


uh I'm currently not investing in anything and my insurance is being handled by my parents still so like currently ya I'm plus I'm still studying so then like my income is just uh rely on my parents ah


so I just try to like spend the bulk of my like , money on food and then I can I just save whatever I can ya but like there are times where I feel like I can like buy stuff so then I think I'll just say that I'll try and save at least a quarter of like what they give me and then I spend the rest


like that should be quite okay ya


, I'm currently not earning income so I guess like to earn extra income you can just like do like uh regular day job like everyone but then like


you can I don't know get better at like your hobbies or whatever you want to do like as a side job so then like you have two jobs that you can manage at the same time, ya, , no ah like like say I mean I can always bake and then I earn extra income off that


ya actually that's what like I intend to do also so like say if I get a certain amount of like allowance per month then from there I'll just take a chunk and then I'll just transfer into account whereby like uh I can't use the money so then like there's there's always a set


amount of savings no matter how much I spend because the other account like I don't have like a card or whatever to access the money ya so then I will definitely be saving lah yup


uh currently like during the COVID period right so then there's like not much like on food that you can spend but then because with like GSS going on so then like this period I've been spending too much on like


clothes and stuff uh ya but then like to me I justify it by saying that like uh because like I cut back on like uh spending on food right so then maybe I can allocate some budget to like


spending on stuff that I want, but I mean it's just an excuse lah it's not exactly justified ya


ya exactly fashion helps


you don't, I don't think I have like anything much to add on because like, people around me are also not like they haven't reached that stage of their life yet lah, so ya


if you are uh, ya lah but then like right now like, , I would say


you can try and save as much as you want but then like big ticket items like that like usually requires the income of two people, so I guess you can like,


how to say like save together with your other half and then like work towards a common goal as per like what xavier just mentioned like tunnel vision lor , ya and then like really just don't spend anything else but then like put that amount that you want let's say you want to spend on a pair of shoes that cost seventy bucks but


just don't spend and instead transfer that seventy bucks into another account which you cannot touch so like in a way you'll be like saving money for like your big ticket expenditures in the future ya,


ya I don't think I have anything much to add like right now cause I don't really have much of a financial commitment to anything , ya


I think as much as I'm shopping also I think I'm also saving a lot more than like uh compared to like before like uh circuit breaker started because then there's like a lot of chance for me to go out and meet friends and with that you have to spend also


so it's really like quite hard to save like ya because I, tend to go out almost every day with my friends so that is not really beneficial for my wallet also ya, and then I think now


sorry, true true and then in terms of like spending or saving habits I think like because I'm always at home and then if I were to shop I can actually remember like when did I last spend money on something


so that it like makes me more conscious of like uh whether I should buy something or not because if I would just go out and then I just buy buy buy buy buy right like I don't really like think about like my past purchases as much as I would if I'm at home and like shopping


because nothing much to do now what so ya like I think I do like, keep a better track of like when I'm actually buying stuff which makes me think more about my next purchase, yup


, ya


actually financial independence to me actually I would just think that you don't need to take money from anyone and you can survive on your own income, so it doesn't matter whether like you have to work or you don't have to work so like I think to achieve financial independence you just have to like


really just work hard until you earn like a certain income whereby you can really support yourself and be happy about it ya, and then with like uh retiring early right I think like what xavier mentioned you really have to like scrimp and save


for the next couple of years but then I don't think in the process of doing that I would be happy, because like I said I prioritise my social life like quite a bit ya so I don't think it's, uh like it will be nice to have but I don't think the process to get there is worth it


ya, (uh), okay


part three negative experiences


, !wah! they're all so tough uh, what makes me stress


I think, not knowing what I want to do in the future makes me quite stressed, because as of now I still have like one year left in uni so then after that like right now I'm contemplating whether I should take like a PHD so that I can prolong


like I can buy more time lah before I enter the workforce but then I feel like right now from what I am hearing from the people around me and like my mentor et cetera it might not the best route


to take and but then the thing is that apart from that I really have no idea what I want to do so that kind of stresses me out because it's not say like, act like uh how to say a problem that is like quite like


further along in the future lah ya, ya so that kind of makes me stress


, I don't even know which question to go to next


I think for me would be, uh, oh that I'm a disappointment I think that's one, and then secondly, that I should give up on what I'm currently doing ya


cause then like it makes it seem as if like the past efforts that like I've put in were nothing, ya, , what i


proving to my parents that I'm independent, or can be independent I mean in the sense whereby, uh I can go out and do whatever I want, ya , like I mean like as a as much as you try and like comply to like their how to say like like curfew or whatever nonsense


but then it just feels that like even if you do that ten years down the road or like I not maybe ten years ah maybe like one year two years down the road you'll still be dealing with the same thing, ya , so that's quite uh for a lack of better words quite Sian ah


, ya, ya


nothing really like stands out, not for me, oh what's one thing you wish you could change but will never be able to, uh, I think


uh, knowing that I'm making a mistake but yet still going ahead with it hoping that like I'll never get caught ya so like like mistakes that I knew back then


like even before I committed it, ya, I think ya but I still went ahead and do it thinking that like !aiya! it's okay lah so I think that's like the one thing I wish I could change , then I'll probably like


I don't know get away with like more stuff, ya


, no lah like just like ruining things


but I think it's true though


like I mean but I mean it hasn't happened to me lah but I think that if like you really neglect the child, or like whoever the person like I don't know they will be just just like bottle up resentment, and then ya that would that would really be a problem in the future but I mean it hasn't happened to me personally uh


, , ya I guess


okay, okay,


what else can we talk about uh what do you often worry about I think that's like overlaps with what makes me stressed, worry about the future ,


what's the biggest thing holding me back from my goal, I think financially, that's it I think as of now my goal would be


to start a family and like be happy ya but then like to start a family you need to like, have sufficient money like BTO everything already like cost so much and then plus right now I haven't even start working yet so then like


uh ya biggest thing holding me back would be like just the financial the grass cutter is downstairs ya, financial stress


that's just a problem on a whole other scale,


!yay!, describe the saddest scene you've ever witnessed


I think whatever that's going on online ah, I mean personally I don't think I have a saddest scene that I've ever witnessed, for me, uh


ya, yup


yup, which is whatever on the internet now


yup, ,


I honestly, ya


part two positive experiences, you want to start first what was your best !huh!,


I see okay, , no it's not about like no no it's not about what you get but rather like the thought like like the thought process that goes into like the birthday present I feel


so I think for me like my best birthday present was to come home and then like all of my family members that one time was, uh they were waiting for me to come home lah and celebrate my birthday together so that was kind of touching especially when like I know back then like my parents both had quite busy schedules ya


so that was like my best birthday present yet, ya, (oo), I think it would be the mistakes that I've made thus far so then like


like you make mistakes when you are young so then you know like in the future like not to do it, so I would say in a sense it's a blessing in disguise if you take it like positively ah ya


you are damn weird okay uh I think for me it would be just hotpot also ya cause you always eat it with a big group of people ya especially on the rainy day !wah! damn Shiok


that's not the point ,


think for me would be, uh being outspoken, because I feel that right now, like, I have, to say like a lot of people around me like they just keep to themselves like like what they don't like about people but then I


uh in most circumstances I won't like hesitate to like, speak out lor ya so I think, like being outspoken it's like a skill that most people, like it's quite underrated lah


ya, who in my life do I, , my mum ya


why because like I think, I really appreciate what she has done like thus far to like provide for the family ya I think, if I'm not wrong like for the past few years she's the one with like a more stable like job and income compared to my dad so


like from what I hear like when she complained about like in the like like the past lah every time say like my dad don't really like, uh contribute much so then like I feel that like the amount of effort and like what she has to forgo in the past just to like uh raise me and my sister ya would be something that I want to do in the future for my kids lah


ya, you are seriously damn weird


, , uh


I'm trying to think of like a time when that happened


it's kind of your job, ya, , I think for me, would be


I honestly cannot think of a time eh, like there isn't, something that really, pops up


no that's no ah , , ya ya


(oo), right now like in this instance a perfect day, would just be, doing nothing but staying in bed


, , !wah! hard leh I think just spending time with who you want to spend time with like right now and then just like either going out or like staying in and doing nothing


, ya not have any like deadlines hanging over your head


, I think for me maybe would be like going into secondary school because my PSLE score was like really bad, so then like my mum made me DSA like into ya into secondary school lah so I think if she didn't force me to do that


uh, I could have just gone to a neighbourhood school and then that would be basically almost the end of me ah because knowing me I don't think I would have uh like really focused on my studies ya I would have just like


uh how to say like I conform to the environment around me ya and then just, slack off


superficial lor ,


, think for me would be like, being trustworthy, like when your friends are okay to like confront you, regarding like their personal problems et cetera so knowing that you have like


a group of friends who trust you, ya and then like goes out of their way to make that known ya that's kind of nice, happiest ah


, there's like a lot of happy moments but I can't think of the happiest moment, I think whenever I'm going overseas with my family I'm like the happiest


I don't think there's a happiest moment for me eh, (oo), going going to europe with my family, ya because I think that's like the furthest we've ever gone out of like out of like asia per se


ya so that was something, like newer in a sense, ya, oh, oh there's one time uh we went to like Okinawa right and then like we didn't know that uh


we didn't know that like like to drive there you need to convert your license, to be able to like rent a car there like my my my family thought that like all you need to do was just show your like your driver's license and it would be sufficient


ya so then we went there and then like we realised we couldn't rent a car and plus like we kind of , how to say we planned our trip like with the intention of getting a car so a lot a lot of places were like very very inaccessible, ya so then like even like airbnb right is in the middle of nowhere


so then we had to like rely on like public transport which was quite a nightmare ah but it turned out to be quite memorable ya, ya but it was quite fun lah,


, , that I'm very loud


like in some circumstances it's actually uh bad connotation but like in like say if you're in a like camp and you're expected to be loud, then ya that's the oddest compliment I've ever received


piece of shit


, think for me would be my parents, ya like even in like now I think cause right now my mum like she quit her job before like the circuit breaker started and plus like my dad also


so then right now like both of them don't really have like income or rather don't really have a stable income but then they're like they're still able to provide for the both of us, like me and my sister we don't really feel like there's a difference whether they are working or not so like that's what I'm very thankful for, yup


, rollercoasters chilli,


part one financial related topic, okay uh what's one financial advice that you would give to the youth five years ago you can start


spend less and save more, uh, ya ya continue continue


(ppc), okay uh financial advice that I would give to the me five years ago I think will be to invest early I think uh like maybe because I was younger so uh earning capability is not a lot


so I mean with that in mind I don't didn't dare to spend or allocate too much funds to investing so uh I guess there's a lot of lost opportunities lah like could invest in certain uh products or stocks that I didn't and then


ended up not making as big of a profit as I expect lah so I think that's a very important financial advice, for myself


ya then you can you can start now ah ya ya ya definitely should I DIY or get a financial adviser to plan my finances I start, uh okay I think I have eggs in both baskets uh I am financially trained uh I mean as in knowledgeable about certain things so


for most part of my most parts of my life I've been the one doing my own investments , and planning of my own finances but that's also because I am financially trained, uh that being said there's definitely a upside to having a financial adviser to plan your finances lah


uh I mean they first and foremost they will be trained in that field to help you and uh guess with financial advisers out there you know they have plans that are that they can cater to you eh when you need it lah so that's my opinion of it


(ppc)


but but for someone who is in not in a financial industry do you think you will ever reach a point where you can like say uh plan your own finances because you are well equipped to do it already


okay can , uh how do you manage your cash flow how much of your income is allocated to savings expenses and insurance slash investment think you can go first lah


(ppc), savings and expense, (ppc)


okay uh uh for me how do I manage my cash flow I think every single month or actually in fact for the next five years to come I have a financial , uh plan for myself so I have it uh very detailed oriented into a excel spreadsheet that I tell myself how much I allocate to savings investments insurance


and expenses ah uh bulk of my expenses I think I would say expenses takes up about thirty to forty percent especially now during COVID we don't have to spend too much uh so there's a lot of cost savings per se


savings I allocate a bit more towards it I know the common understanding in the field is we try to invest a little bit more than we save but uh personally I am not too optimistic about the current


economic landscapes so I have decided to put a bit more into savings than insurance and investment so maybe uh, I would say maybe ballpark fifty percent of my income goes straight into savings and then insurance and investments maybe about the balance twenty percent ah


uh it's a bit hard to invest now uh I mean with everything that is going on uh I know there are people who ride the market when it's down lah it's just not my kind of thing so I don't do it uh, and I mean blue chip companies like SIA are not doing very well either so


I didn't want to invest in anything that people think are quote unquote too stable lah, ya so what can you do to earn extra income or to improve your income level, maybe you can start


, (ppc)


so does going out with friends help you get extra income, right right okay how do I earn extra income I teach tuition uh I think that's a very lucrative way of earning income uh I mean don't don't do what you're good at for free right


uh but aside to that I am trying to maintain a side business of my own running a freelance uh bookkeeping accounting firm per se uh and I guess this helps to generate sort of


extra income when I have the need for it lah uh that being said I think currently we also I also don't really have much business because of what's going on lah but ya, do you have the habit of saving and how do you ensure you meet your saving goals uh okay I can go I definitely have a habit of saving how do I ensure that I meet my saving goals I think that's wired into me


I think I listened to a financial video once from uh I can't really remember who but the guideline was whenever your pay comes in what you should actually do is pay yourself first so in in the form of savings so you pay yourself so


I've been working uh with this concept for quite some time so every time my pay comes in fifty percent of it goes into my savings account straight away, and then I just take whatever there's balance to either pay off credit card debts or uh other debts or expenses or what not lah


but definitely put aside first and that's how you can maintain your saving goals you want to go one step further you cut away your your savings account ATM card


(ppc)


okay uh how do you spend your money which expenditure is justified and which have you been spending on too much I I think you can go ahead with this first


(ppc), okay can


nice to know , uh how do I spend my money how do I know which expenditure is justified okay I I think I work by this principle if it helps me to improve myself or advance myself uh then I feel that it's justified


ya okay so so fashion is a very grey topic I think that sometimes I justify my expenses on fashion that way also so, I I'm I'm I'm not saying anything against against what you have it's just my personal take of it lah


uh but but but all in all what I think is justified like okay common necessities those are justified so they are justified on their own but anything additional if it advances myself as a person then I feel like it's justified so


paying for things like audible because I feel that audible uh the books on audible really some of them really help you in self improvement uh paying for further education those are things that advance myself and therefore I feel that it's justified


uh ya, what strategies would you recommend to someone planning for their big ticket expenditures starting a family buying a car or house et cetera, uh okay maybe I can go uh big ticket items starting a family not so soon buying a house not so soon house


uh buying a car not so soon but house I mean it's in the pipeline lah you have to think about it but my recommendation for someone who wants to plan if you cannot do yourself get a financial adviser it will definitely help uh they will know what your plan is and therefore


they will try to help you work towards it if you can do it on your own then uh what I would think is you should really tunnel vision uh what you expect, right so if let's say knowing a house would cost you maybe about two three four hundred thousand dollars uh work towards that I mean I know our CPF can cover it but


you still nonetheless have to be saving to cover costs like renovation and what not uh that's that's how I think would go lah but you you have to be you have to really be focused about it lah you cannot say oh you focus today but then like a while later you just


then give up on it ya


okay but what would you recommend if, if and when, it's a it's a going to happen thing so


okay remember remember what you say okay okay how do you manage your financial commitments before and after marriage I only can talk about before, I don't know how to talk about after financial commitments uh very grey ah don't really know the real definition of it but like commitments towards loans


towards house towards towards big ticket items lah I would say uh, I think it's the same concept as saving if you have the intention to save you want to save no matter how tough it would be you will save , so in the same way for financial commitments because you have already made a certain commitment to pay those items then you got no choice but to pay


like it's uh maybe a monthly cycle payment or everything you just need to plan you really have to be wise about planning your finances lah you cannot just say , uh or you know when the time comes then it it will get paid I mean these are commitments so you kind of have to pay for them anyway


so managing them I think a good way to do it is actually to plan out uh like how much, uh per month like your expenses where will it be going and then you can allocate whatever that's free thereafter to pay for whatever else you want to buy


okay can I think that's okay uh in a post COVID world what changes are you making in terms of saving and spending habits I'm definitely saving more


, , no but when you go with me then I'm the one spending


when you go out with me I'm the one spending,


okay that's good I guess uh I'm definitely saving more uh spending lesser I don't really think there's much to spend on but , saving more I would say that it's really because uh in this kind of very unstable economic landscape we don't know what's gonna happen next and we don't know what


or or rather I don't know what big expenditure I have to spend on touch wood something happened then you suddenly have to pay for something that's really big you want to be able to afford it you want to make sure that you have the savings or you have the capacity to , pay whatever you need to pay ah


uh of course that also means that you need to take advantage of certain situations like uh I'm studying for my post grad and then because of this COVID thing the school's admission is lower so uh there's a big discount for people who who want to study so I enrolled


uh but ya those I mean you must be really smart about it ah what do you think of FIRE financial independence retire early uh how does one achieve financial independence, uh if you don't know what that is it's just aggressive saving and investing so that you retire very early uh I've heard of this strategy people retire at like thirty-ish some of them really retire thirty-ish


uh whether it works for me no I don't think it works for me because I am still someone who wants a social life or somewhat of a social life and this really requires you to be very disciplined , for like the next ten years to come because whatever you invest and save for the next ten years you reap the rewards later on lah


uh personally it's just not a strategy for me but I understand where people are coming from uh with regards to this uh how do you achieve financial independence I think, if you really want to be financially independent ah


this my take on it lah in the current uh society a bit hard and I would think that you kind of need a business to run on its own, uh like you have a business of your own that can run and generate passive income for yourself so that you can be financially independent and don't have to work if you don't want to work ya your turn


ya ya


part three negative experiences, okay I think this one a bit more applicable to me uh have you gone through any loss in your life if you have describe your emotions at that


never mind uh I think uh back when just before I entered army actually uh I lost my , my granddad my paternal granddad uh he passed away really just before I entered army and it was a it was a trying time


because , I mean not only for his loss but I mean we were really close uh mean we've visited I mean I grew up visiting him maybe about once twice a week that kind of thing and we were really close I knew that he loved me a lot


and it was something that I had a really hard time dealing with uh, I mean, the emotions that I have are just generally negative in a lot of ways uh sorrow uh I think what


what was worse was that I didn't express it and it became very bottled in uh this is also something I learned about in life that you shouldn't bottle things up because , I bottled it up and when it came back it came back in full force and then I had to deal with it in the army also so it was it was actually really tough uh ya


I think that's more applicable to me than to you but you can choose another question


okay I guess I can talk about it also what makes me stressed I think okay uh definitely in line with, uh what do you often worry about I think it's really about money I'm I'm I mean just being very practical but


how can you not be stressed or worry about money unless you are like, a rich tycoon or something uh things generally are not easy now what our parents are earning right now may definitely definitely will not be sufficient uh or close to sufficient when


you know we have to like set up our family, it's gonna be tougher uh I mean whatever I'm earning now is really I don't even think it's close to being called enough to sustain a family and it really stresses me out sometimes lah especially for someone who is twenty-eight


uh you know that you kind of have to like start thinking about having a family and everything and there are a lot of commitments you have to think about , uh you know if you have too many kids then what do you do you have too little kids then what do you do if your house is not big enough what do you do ya I I think it really gives me a lot of stress


ya,


okay , , I think okay what are some of the hurtful words someone said to you that you wish to forget


(oo) there's a probably a list, uh, what are some of the hurtful words I I think a lot of things, if you really take it to heart can hurt you a lot like simple things like


like you suck, if if directed correctly and you take it to heart I feel like it's something that that uh could really hurt you and you wish to forget uh one, one incident was when someone told me that


uh he doesn't think that I will amount to anything, and I think, I wouldn't I would say that I would really want to forget about it but at the same time , it's also a spur in a way


that's like pressing like pressing on me uh and then you know it makes me want to move forward but but definitely you know like these kind of things are are downers especially if like now the social media is not very positively influenced


you know everything is built on negativity and everything you you really don't want to go through life uh having to to say you know like oh you won't amount to anything, ya


oh that that hurts, , ya I think that's something that , like I feel that we kind of all experience things of that sort


of like you will amount to be a disappointment , uh you know you're not you're not worthy of this kind of things it's what our current the current generation is doing lah it's built a lot on negativity than positivity I feel like it's that that's really not good


, (oo), describe a time when you feel that nothing you do is good enough, I guess that's a uh


how is that nothing you do


, , okay I I I can combine two questions describe a time when you feel nothing you do is good enough and describe a time that you feel that nobody cares about you


so like back when I was in secondary school I was quite I was bullied quite heavily uh for one I had a very very small physique, uh that was back in secondary one and two uh and it was not a good feeling because you I constantly got bullied and so you have to face this kind of


like adversities every single day and you know every single day it's a chore to actually drag myself out of bed to want to go to school, cause I I wasn't like looking forward to it I wanted to quit school I didn't want to go back to school uh I just didn't want to face it


it was quite bad because back then when I was bullied there wasn't anyone who stood out to help, when I was bullied and you know it definitely made me feel like nobody cares about me uh for sure uh


it when I went to teachers there weren't there weren't there weren't any teachers that were willing to do something concrete enough to help it was always like oh if it ever happens again come and tell me but then like , but then when when I do then it's always the oh like that okay I mean uh next time just try to avoid him I mean those


those kind of advices are <mandarin>你讲了不会跟就不要讲:ni jiang le bu hui gen jiu bu yao jiang</mandarin> that kind like not not that I don't know I shouldn't avoid I should avoid the guy right ya it's a bit it's a bit stupid also, uh and definitely it affected my self esteem a lot when it came to me doing things I didn't want to study I didn't feel that it was good


uh my avenue of escape was to play computer games and even back then when I was playing cause I was a kid there wasn't much that I could do, uh I wasn't very good in my computer games either so I felt like even my even my way to escape is not is not like solidifying my my self worth you know


ya it was it was quite it was quite a bad time but I I'm actually thankful for it ha it's just really really sucky to be in that situation, do you have any


okay


you already knew that it was bad


okay, I I guess I guess okay I guess that kind of makes sense , think that's an interesting question uh feel like I want to dive into it there's an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth


uh has there been a time in your life where you have come closest to starting a fire discuss wait I don't really know if it's a literal fire, but


oh uh ya, I think it's a very interesting very interesting proverb I've I've never heard of it for sure, but my thoughts about it ya


what do you mean it's true, ya


ya I feel like it's the, I feel like it's the rubber band effect, like if you constantly push someone a bit too hard then it's going to bounce back one of these days, uh


, I mean whether it has happened to me I don't think so I really don't think so I I wouldn't execute it, but I mean personally, if I were to try to change the proverb to fit my life it would more it would be more like


the child who is not embraced by the village, will watch it burn ah, to feel its warmth it's I mean to me it's more like a, I've been pushed quite a bit and therefore if I see anything so so take my bullying uh incident to start with right uh because I was bullied so heavily if one of these days I actually see him on the road I probably will not do anything to


, you know like I won't do anything lah to to initiate a fire or anything but if he got into like touch wood an accident or anything I definitely won't help I'll just stand by and watch, if he has it has nothing to do with me and whatever it is I mean I'm I guess he he had it coming ah so that's for him to deal with that's not for me to deal with that's for him to deal with so ya I would just stand and watch him lah ya


I won't I won't be the one who do anything I wouldn't cause something bad to happen to him but for sure if something bad happen to him I'll just stand and watch, ya ya, uh,


(mmhmm), (mmhmm)


okay , , what's the biggest thing holding me back from my goals I think, a lot of it has to do with the risk factor uh there are things that I want to do but are they practical is another thing uh I mean if I go by let's say my hobby and I like to exercise a lot


and and if this were to be my goal it was for a period of time, it wasn't practical like it was definitely not going to survive uh this economy if I were going to be a, fitness trainer per se like it's not something that is it's definitely attainable it's not something I don't want to attain but for sure there's a fear of what's going to come out of it right


uh like you are going to be really unstable unless you are like the top, maybe five percent you know you are performing really well uh I mean those are things that really have to be considered lah like I think that the biggest fear generally for everything is that the biggest thing that's holding me back is fear


because you know you kind of am afraid of, of the uncertainty of a lot of situations lah and and I think that's it lah


what is one thing you wish you could change but will never be able to, climate change, I mean I wish I wish I can I wish I can single-handedly change change it but it's definitely not something I can do right I only can do what what I can do as a as a as an individual like recycle and what not but


but really what is there what is there something you are able to do you can't do much even if you even if everybody on earth now stops consuming plastic, we stop the the the usage of plastic it's not going to help also we've already deteriorate to a rate that that that we cannot salvage ourselves anymore


it's just it's just impending to now the question now is not if it happens it's when it happens, it's just just a sad gloomy morbid


what's the saddest thing you have ever witnessed, I think


, ya I don't think I I mean I'm really not trying to okay out of the top of my head and this is just because it's recent but like the black lives matter thing


it's really very sad to see that I mean we are all humans the only difference is our skin colour but because of that you have like white supremacy and everything , and it causes a lot of stigma, so you have this kind of hatred that's building up I'm I'm quite sure that this black lives matter


was not a one day thing uh and george floyd was merely a trigger a catalyst to make everything come back, but you know I don't know lah I just feel that I just feel like it's really sad lah to to be able to see this kind of thing


ya it's it's actually really tragic but there's nothing you can do also uh you just need to do whatever you can do in your current capacity within this country you you are not there to govern US , uh trump has to do that has to deal with that nonsense on his own which he's definitely not doing a very good job


I think that's about all that I can talk about


positive experience, you can you can moderate , my best birthday present and why


uh I'm not a fan of birthdays , I don't know what's a good birthday present and what's a bad birthday present I haven't been the recipient of very good nor very bad birthday presents either


I I uh I just not that kind of person but uh I think what was what would be my good a good birthday present I think a car but I didn't get that so it's nice to have a car but maybe not in singapore lah okay


sounds nice, uh biggest blessing in disguise, oh this is a hard one uh


okay, biggest blessing in disguise ah, uh, ah this is a really hard question I don't , really know off the top of the head what is a good blessing in disguise ah uh but


I mean having good parents I feel like that's like one of the biggest blessings I have in disguise uh ya they used to be very strict on me but, I mean it came out well lah I mean I was perfectly fine now also


I can't be complaining right okay what is a comfort food that you can always rely on to cheer you up !wah! this this this one I know out of the top of my head, uh comfort food I I I think I have two it's a bit hard because they are they are different cuisines oh three three actually but they are all different cuisines so it's like it's like sushi and sashimi is one uh I love hotpot


I love it and then like vongole I don't , ya


that's how you get COVID also , , uh what do you love most about yourself, oh okay I know uh , I like my resilience and perseverance a lot I I feel that in a lot of situations where a common person would probably back down are situations where I feel that I stand out the most or I surprise myself the most because


I am able to toughen up and pull through uh it's not easy lah but but I mean I can learn to appreciate that aspect of myself because I don't see it a lot in our current generation that I mean most of them are just ready to kind of give up whenever


they hit a wall or something ya, (ppc)


okay , who in your life do you look up to most and why, ah okay why


okay uh who do I look up most okay this is a very weird answer I think I look up to quote unquote myself uh I, no wait wait wait this is not no no wait wait wait I I I think I think I I need to justify this because in


like this is something I have struggled with also to find someone I can look up to and I feel that, like the world is not right ah like everything is just is just like bonkers already so whoever I look to wouldn't necessarily I mean you would have to take bits and pieces from a lot of people and then like piece them together for


to to to come out with someone who you can like look up to uh personally I look up to what I intend to be, so so definitely that these are bits and pieces that I see myself gathering from different uh influencers or different uh


you know gurus people who talk you know uh who who who are actually very who stand out in their own field uh, I see the the things they have within the core the core values that they have and then I piece them together into something I look


or I rather rather, piece them together to become something I want to be in the future and this is what I look up to so I just keep like, in a way tunnel vision myself to to grow to be who I expect myself to be lah or want myself to be so it's a very stupid answer but ya okay


describe a time when you got appreciated for your hard work !wow! this is like not now , uh you want to go first or I go first


okay I I think there are instances where I I was appreciated for my hard work the thing is I feel that the appreciation doesn't amount to the work I've done


uh so basically there was there was some daunting task some project to be handled and then there was a deadline to be rushed I didn't sleep and then , I rushed the deadline off for my boss uh of course she was thankful for what I did but that being said , uh I feel that like it's not as appreciative as I think it would be but then again I also don't know what other gestures she can do to make


uh you know make it seem like she's more appreciative because all in all I'm still her, her employee and therefore uh this is just within my job scope lah it's just going to be within my job scope ya so


uh, ya because you are always appreciated right so I mean if you are always appreciated then then there will be never be a time where you feel appreciated , okay never mind we can we can always move on and come back later if you need help


okay uh describe your perfect day


that's so unproductive , uh okay anything to add


okay, uh I think a little bit on the same train of thought but uh mine is more like get to relax spend the day with someone you want to be with and then , you know just really just rest and not think about you know or have to worry about anything I think that would be would be a perfect day ya ya ya describe a moment


ya it's not possible in the short-term describe a moment when things turned out better than expected, uh okay uh there was I think my O level results were definitely better than expected , so I was one to not study during my O levels uh in fact during my prelims I scored a L one R five score of fifty-one that's basically


failing every single thing and then got like a D D seven, or D seven D or something or or or C six for like some I can't remember what it was english or something like that ya so I got fifty-one for my L one R five score


but then I really I really studied very hard but of course it's <mandarin>临时抱佛脚:lin shi bao fo jiao</mandarin> right so uh when I got when I was about to receive my results I didn't expect myself to do that well I got I had I think ten so, uh ten and then if I minus two is eight


so a jump from like fifty-one to like like it's pretty decent it was definitely not what I expected like you don't think that if you rush three months you can get that kind of grade but it's definitely better lah


studied hard


okay, uh nicest thing someone has ever told you, , I think I think very simple gestures can can be considered nice also uh like you go to the coffee shop then the aunty call you #shuai ge# I think that can be quite a nice thing


I mean it's I'm just saying lah I'm just putting it out like nicest thing that someone has ever told you , I think all in all I feel like my mum uh when I was studying really hard for my university exam


she actually told me like you know like she could tell that I was grinding a bit too hard and then she just told me said she said uh it's okay I believe you can do it , and then you just I just stuck by that that , that sentence and then and then worked my way through so I feel like it's a it's very nice because you know that someone believes in you


(mmhmm), happiest moment in your life, it's a bit hard though


I think okay for myself lah happiest moment in my life , was probably when I landed my first job, it wasn't that good a job per se but I was really happy because I was looking forward to


a whole new chapter of my life that I cannot anticipate or try to figure out because, for like the past twenty twenty-two twenty-one years of my life I've just been like, uh sorry sorry eighteen eighteen years of my life I've been just studying so that's the only thing that I kind of know uh when I had when I landed my first full-time job it was something that I was really really happy for I I uh


I felt I felt like it's a adventure lah so it made me really happy, do you have anything happy


okay I I guess that's fair too , so so which one mean like going overseas you have a lot, (oo)


okay describe one of your most memorable travel experience can you continue


(uh huh), ya


ya,


okay so it was memorable in a bad way, okay uh mine was when I count down to the new year's at Shibuya crossing


uh it's it's actually very memorable because you you hustle together with people you don't know and then like there are just japanese screaming and then , like there are very weird caucasians picking a fight with each other I think they are drunk or something but it was very memorable because


it was probably one of the first few times I'm spending a countdown not in singapore that's not in singapore because most years I do it in either in church or uh you know basically at home ya but that was one year that I was doing my countdown


in a foreign land at a very well known location it was it was very big and grand it was very nice so I thought that was like more on the most memorable things, yup what is the oddest or most unique compliment you've ever received !wah! questions are getting tougher


uh


okay, uh oddest compliment I I don't really know lah but I would I would think that people meant it as a compliment whether I take it as a compliment is different but , all those compliment is like because I go to the gym a lot even when I don't exercise I don't gain weight very quickly


uh so I can eat whatever I want and I just don't gain weight , and then like there are people or my friends would just go like oh uh KK why why do you not gain weight why you so good at not gaining weight I think they meant it as a compliment , but the thing is I have absolutely no idea


I I don't take it as a compliment lah because I basically feel like I want to gain weight but I can't okay what are you thankful for thankful for my life, I think it's really great uh I think I wake up every day feeling very grateful about sorry it's very cliche but but I mean I like really feel very thankful for having to be able to


live another day uh experiencing life to its fullest I think that's really something that I want to be thankful for


(mmhmm)


okay we have twenty seconds we're going to try to do this fast what did you use what did you use to hate as a kid and now love as an adult, , rollercoasters and chilli uh


!wah!, I probably hate exercising a lot when I was a kid, for some reason I I came to love it a lot ya okay that's it


okay I press already, part one financial related topic, okay, so


oh okay what is one financial advice you would give to you five years ago, , I think I tell her good job ah cause she save quite a lot last time cause like when I was like five year five years ago I was fifteen


so like fifteen I never really go out or like never really go on holidays and stuff so all the allowance I got I if I don't spend on canteen food or like studying then I would save it so, I probably tell her not bad she's doing better than me now


ya #yen xuan#


!huh!,


what, I don't have anything I didn't even know that people do that , they're they're our age ah


oh my god okay, okay next one, how should I DIY or get a financial advisor to plan my finances, usually like when a financial adviser comes up to me right like when they approach me I'll just be like oh I'm too young I'm not twenty one yet


sorry ah I can't really help you know or or they'll be like oh maybe like they'll be like may twenty one you don't have to be twenty one and then I'll just like reject the idea of it, I'll be like nah I'm like too young for this I'll it's okay


ya but then now that I'm like at this age, maybe I should, I don't know leh, can do yourself one meh


wait you have an app that like checks your in and out ah, , I don't even check my bank app, like I don't even check my E statement and stuff


, ya cause they know what they are doing right like, but I also got not much like not much money to plan like is he gonna help me keep my five hundred bucks like you know for example like like ya there's not much to keep also what


, probably right they can't do for free also


(mmhmm), I think at this point I'll just do it myself


I mean there's not much to do what, is just like I could check my finances via checking my in and out, I could check my E statements I can really do it myself because there's not much that I'm not a buying any big things there's no like down payment there's no like I don't owe anything


so it's like quite simple my bank account it's like there's nothing much to plan, yeah , , five hundred is not even enough to pay them


okay anyway next , okay so like when I get allowance and like if I'm working part time like if I'm working part time then when I get my allowance and my salary I'll transfer a bit into this like other debit account I have then I just won't touch it I don't bring the card out


so the money just stays inside there so that's how I like manage then whatever's in my debit account that I bring out I just spend, ya then how much of my income is kinda like see mood there's no like specific like every month I'm gonna put in two three hundred dollars it's just like


whatever I'm feeling if I'm feeling, if I'm feeling like I'm gonna spend a lot this month then I'll just put lesser inside but I once I put it inside I usually don't touch, ya, yours eh


insurance okay for insurance my mum does my mum does the insurance for me she buys like those health I've like a insurance life policy so basically if I die then I get a cash payout my mum gets the cash payout then if I get hospitalised also


there's like ours is like hundred percent cover so there's like no cap, so technically I I could get myself hospitalised for staycation, but ya then there's also like personal accident that kind that one also can claim then there's travel also but all that is like she handles


is, okay so there's like there's one insurance agent, like he does it for our whole fam so like my life policy one is tokio marine then the hospitalisation accident everything is aviva then I ask my mum the travel one is like sompo


I don't know ya so, but if I'm travelling alone with friends lah I just buy online like the cheap cheap kind you know right the cheap just go online to search, oh ya the one you said


wait you use that one, also didn't buy that one in the end cause if free is a bit too like, ya it's too ya, ya


your your cash flow, (mmhmm), (mmhmm)


wait ATM ATM cannot like paywave that kind right okay, okay


(mmhmm), oh, the ATM card the second


uh half, you you only spend thirty that's like crazy


I mean, there's still like shopee , now I'm definitely losing ah,


ya


, I still don't know what a bond is


(uh huh), (uh huh), okay


(uh huh), wait but is there a way you can lose money from it, err


okay


better, oh is it (ppc)


oh okay I think right now like realistically for us to earn extra income you can like work part time jobs lah but the more realistic one is we wait for uni to start then graduate from uni then we can upgrade from like those hourly pay to a full time salary


cause right now like my income is just part time like let say eight to ten per hour kind of jobs, so ya that's how I can improve my income level what about you


ya, temp packer , eight per hour is like quite, uh, I wouldn't take it man too low to pack something


yup, my, I would save, for a holiday, but then I'll spend everything on holidays so I guess


overall I have no habit of saving cause at the end of it like my money is just gone, ya so uh, if I take like part time jobs right I can save at least half, then I still got allowance on top of it and then like I don't really set a specific goal every month


but ya so it's like when I get it then I just transfer into the UOB what's it called no no like a POSB DBS current account like I just created it a few months back ya ya I just, no they say no more there's no more savings account like after the POSB and DBS merge right


ya the lady told me she was like now it's only current then I was like okay okay so ya, is like ya so just move into a DBS current account and then like it just stays there and I don't touch it until I go travel


then I touch like everything and it just disappears yeah, ya then I'm just like, ya broke yours leh,


ya same


mine just decreasing eh, cause I'm like jobless , I'm literally jobless, after after the airport one ended I've been like, damn sad okay anyway whatever it's okay it's fine I still get allowance it's fine


okay how you spend your money so which is justified and what do you spend too much on, same


same same


uh , not really, I was gonna oh my god I was gonna say exactly the same thing


ya, wait I've, that one I feel like it's the only thing that's worth spending


everything else is like same as yours I spend on like clothes food, I mean ya, ya, during CB ya you keep buying like you keep buying those takeaway foods


this CB I I didn't really buy any like takeaway food I just cook, ya I I just cook


ya my mum pay ah if I go out and buy also I take her card and tap , okay (ppc), no, ya literally same, what strategies would you recommend to someone planning for their big ticket expenditures


uh , what strategies, I think I would just say just put in a separate account don't look at it I mean don't don't think of like spending it


but if you're starting a family that kind maybe, maybe you know there's like what's it called ah, uh no no no, oh I forgot that that thing is like when you put the money into a bank account then you just let the interest grow what is it called fixed deposit account is it call is it called that


ya I think it's called fixed deposit account I'm not very sure but it's basically you put a whole like lump sum of money inside then you just, let the interest grow and stuff and can only take it after like ten or fifteen years, so at you you cannot take the money out the bank


ya so I guess you can do that to like grow your income and earn off the interest then after ten years you can take it out, and then you can like start a family or buy a car but for house I think need to take loan lah


COE, ya then for housing, you know BTO right my friend told me like there's a cap to your income so if you earn less actually you get a higher grant on your BTO, so you can take a risk with your boyfriend and like you all can choose no legit like if let's say now you want a BTO right you get like the highest grant because you're jobless as in your income is like damn low


so you just can take the risk and then you go and BTO with your boyfriend and then, then ya if if it works out then you all get your house for like super cheap but if you don't you then you just lose the down payment, ya so ya you can do that


no like legit is a real thing like people do that like is like I I didn't realise people do that so seriously but ya


ya my friends keep talking about it, because they're old ya cause they're super old, no they're like they're like damn old already is like


how is that possible, that's if you don't have bills to pay, no lah but like if you're gonna start a family you obviously got bills to pay already what


fifteen no man no five five , five years you just wait


(uh), okay


yup, part three negative experiences, okay have you gone through any loss in your life if you have describe your emotions at that point of time and how you deal with the loss


, ya, uh but I won't


, (mmhmm)


but it's not something that like you harp on very much anymore right, that's good,


ya cause you're youngest one right, for me I never really, oh actually I did but ya I guess the fact that I my initial thought shows says that lah I didn't really experience any loss shows how detached I am like how detached I feel from


that loss so basically the only loss I've ever had was both my grandparents passing away, but that was also when I was like four or five, and I really do not recall much about them or even like what they look like I remember one but my other grandfather I don't even know what he looks like


and I was four or five so, I feel like a large portion of my life I just never I didn't spend it with them, so I really do not recall my emotions at that time and


I I don't even think I was capable of knowing how to deal with it I probably I didn't know it was a loss to me at that point so ya what makes you stressed, same, same,


my sometimes I get stressed about like my uni choice, ya ya that stress you also right , ,


that's exactly how I feel and then, I I'm very avoidant like you uh that we we usually just like try not to like ya just push it to the back and don't think about it and then eventually we have to deal with it right then when that moment comes when we have to like make the choice or like deal with like


matriculating and stuff I think that's when we really get extra stressed cause other people will like pace out their stress and feel like bits of it but then we just, ya until it's like ya so, ya the uni choice stress us


yesterday what, (mmhmm), ,


but you like that and you you can specialise in that in business what,


uh, (ppc) ya when, when I matriculated also or like you know I procrastinated it for the first two weeks cause I really didn't want to think about it then the first two weeks my mum was like you can still change to business if you want


like it's not too late you can still appeal cause you know I I really don't I don't want to be a lawyer, ya so, ya that still stresses me out and then like there's still people saying like you can change like you can come with me we can do business together that kind of thing and ya but uh okay you know what I don't want to think about it cause it's it's stressing me out


ya , I'll just change ya, ya K so what's the most traumatic experience you experienced in your life, I would say A levels


maybe the whole JC thing it was traumatic but it was good the first year was very very traumatic for me, cause I had to go to class and then I had like two friends in class, and everyone was very very nerdy


everyone in my class wanted to be a doctor did I tell you this, I remember there was one like career thing and then they ask like cause my my first year's combi was like the typical go to med school combi then , they ask like who wants to go into like healthcare sector


like almost all of them raise their hands, and at like seventeen years old you really know you want to be a doctor I was like so scared because I have no dreams and like at the point lah I like I really didn't know what I wanted to do and then I felt so like, I that was damn traumatic cause like I felt like I felt like everyone around me knew what they wanted to do and then there was me like I'm just this girl in my class and I don't know what I want to do and I'm failing every single exam


so ya I think the first year of JC was super traumatic yours eh, (mmhmm), oh you told me this


(mmhmm), ,


, , (mmhmm)


, , ya same,


(mmhmm) okay okay,


, okay, , what's one what's the biggest thing holding you back from your goal, what is your goal


(mmhmm)


(mmhmm), (mmhmm),


no end, ya, (mmhmm), my goal


I think my my most like immediate goal now is to graduate from, law school, and, I I mean I understand that like most people graduate or like probably ninety nine percent of people will graduate but I'm so scared because you know I'm not really the study kind I like to play


okay I mean I will study lah but I'm more of like the playful kind, so I'm super scared of like not being able to balance between my social life and school, and I'm super scared I won't understand anything that's going on in class and ya okay I think I think it's just the fear of like


the fear of just like not being enough compared it's like in an in an environment that like everyone in the school is so hardworking, everyone is so much smarter than me, ya then like I just feel like I'm not good enough


to be at the same level as them even though like at the back of my head like my mum and everyone tells me like you are equal you're you are all equal like you all managed to get in you all starting at the same level what, but I can't help but feel like I'm still not good enough compare to all these people


ya so that's like it's ya I think it's just my own insecurity, K there's an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth has there been a time in your life where you have come closest to starting uh the fire


discuss, , wait ah let me see, , I think it's like, if you are not loved by the people around you


(hmm), maybe it's just like you you resort to doing like bad things to, make up for the lack of love, that you wanted to receive , but I don't think there's any time in my life where I'm super close to feeling like this


I'm not sure about you but ya I I don't really relate like to this, proverb


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


ya everyone suffer together


, ya that's counterproductive, ya describe a time when things turned out not meeting your expectations,


(hmm), oh I have very low expectations for a lot of things, do you do you do you remember anything at the top of your head ya, not meeting your expectation, I mean I guess like when I travel with my friends


and I expect it to be fun and games hundred percent of the time, but there will be always like one or two moments when you get annoyed, ya so I guess in that sense like, I expected more from my friends I expected my friends to behave this way


but at the same time they probably expect me to behave another way also lah so, ya there was one time like we got lost in korea, and then, err my friends started like wait can you hear me


okay ya my friend my friend like started getting very panicky but I'm more of the like come on it will be fine like we'll find our way it's fine ya so I think in that sense like I really she really threw a very big tantrum, and I got like upset I mean I didn't tell her like straight up at that moment lah I told her after but that was when she didn't meet my expectations and I was I was upset ya you eh


any like grades or like your running competition,


(mmhmm), (mmhmm)


(mmhmm)


ya you do, ya


and there's like a scoreboard and everything and to see your name not like improving up the ranks while everyone else is going up is, is quite sad so I get the others also like when things don't really meet my expectations on myself ya


is there another question you want to describe the saddest scene you ever witnessed, was there like a sad, scene


uh uh there's like one super sad scene that I saw in a movie is like the movie is called missing and the mother she was like holding her dead baby because she couldn't afford healthcare for her


child, ya so her child was in the in a hospital bed and then the hospital ran out of beds for children but cause she couldn't afford to keep her child on the bed right they wanted to bring a new baby in to the ward and the new baby is like she can afford this


this bed, so they just evicted the they just evicted this baby, ya and then the mother sold her like kidney or liver to pay the hospital bills, so she was already like going to pay but before she could even pay


before she could even pay like they like evicted the baby and then she ran out of the hospital and then the baby just died and the baby turned blue and it was on the screen and I like I I sobbed super hard so that was like one of the saddest things I've ever saw, ya


okay, , do you have any, , let me think


I really I usually don't take these kind of things to heart, ya but, maybe when like people call me fat, just like in general I'll like oh you gain weight cause remember that time where I legit like second year of JC I gain like six KG then I went on a whole diet so


I think I mean I knew they were saying it in passing lah but when they say oh your you you gain so much weight, which caused me to go on this whole big diet and everything, so I mean I I wish I would forget like when they cause like when they say that kind of thing is like I just know that they saw me in a different light already like I just know they they're seeing me as a different looking person and ya I I want to forget what they said and I want them to forget what


I look like at that point (ppl) ya, (ppo), okay


started ya, part two positive experiences, K what's your best birthday present and why


(uh huh)


(uh huh), , is it the blue colour party oh my god I know I know I know


uh my birthday my best birthday present was my the canon G seven X, ya I like oh my god I like begged my mum to buy it , no she bought it for me I was like mummy mummy I I really love photography


I was like ya I no okay I also told her like I I wanted to travel and take pictures, and then she just bought it for me, I forgot but at that time it was like still quite new cause now got the mark three already


ya there's a mark three now but it's okay I don't need a mark three and then I mean it's damn good lah cause I use it all the time and, it is worth the money ya, ya like I always bring it out it's damn like oh okay


ya right especially when I'm in singapore, ya if I mean like if I'm overseas it's still okay you know it's still acceptable cause we are tourists but then ya when, then then oh ya then when I have a little like strap like I have a strap so when I hold it right then the strap is like dangling it's like damn noob


but okay it's fine okay what's your biggest blessing in disguise, ya but then it's like the whole retaining thing so basically ya I retained J one right then at first it was like okay honestly I wasn't even that sad lah but


it turned out to be a super big blessing cause in my second year of J one then I you know I met you and then I met like all these other people and my grades got like so much better and my first year was just like traumatic and absolutely scary, and then the entire JC experience from the second year just turned out to be so amazing so wonderful then like even towards A levels


like everything just felt like so, and ya so and then ya A levels was like good also so it's a super big blessing lah


of course lah if I didn't retain I confirm like fail A levels leh like not really kidding like I will get twenty points, you know in april of like the first year of JC I went to school four times


then the teacher called my mum and she was like that's why then at that time still can like drop out the poly so the teacher called my mum and she was like uh is is jermaine still like going to school, then my mum was like uh ya she she ya she still enrolled then I was like


yup, okay yours,


ya ya, , !huh! legit


wait what I only considered that, , okay , ya ya makes sense cause ya ya


of course bruh , , and their uniform not nice,


ya I loved it so much I spent three years so ya K what's your comfort food, I like nutella dipped in milo nutella bread dipped in milo


ya yours leh, don't lie bruh I know you drink milk tea everyday ,


, I know I know I can list for you your sister's banana bread , , okay K list it


(mmhmm), okay, , K what do you love most about yourself, (hmm) it's quite hard ya


!huh! okay one physical I like my eyebrows, my eyebrows are always flicking


ya, I like, !wah!, this damn hard leh, what do you


I think I quite happy all the time !wah! it's like I can bring the mood up you know so if it's say like group setting and like someone down I can still like try to up the mood so I like that there's that quality ya


of course ah what , there's so much ah like super encouraging, you are bruh then you always give those care packages to people


that's ya ya ya, ya ya ya thoughtful, okay who in your life do you look up most eh look up to most (ppc)


err no , I knew you going to say that


(mmhmm), (mmhmm)


, (mmhmm), oh I didn't know that, ya ya she she's good


ya, ya I think we're both quite like selfish like we think we always think for ourselves, really ya but like as in our needs and our wants we always like prioritise ourselves first


ya cause I I also don't really like say this a lot to her it's just like asian family kind of thing ya so , ya she's really, like I don't know maybe it's just a mother's thing they're very like they always put you first you know and through the very small things like if the table is not cleared she would just go and clear it she won't even be like never clear the table that kind of thing


or or like if it's at night and I forget to off my lights, she she will help me turn it off and stuff, ya so all these like small small things ah that I wish I had these qualities and I really look up to her for like, doing so much and doing like more than what is needed


ya so I really look up to her and plus she's a like those what's it called like like a career woman who still takes care of her family ya the balance is like really there so I want to be like that when I grow up ya okay


describe a time you got appreciated for your hard work, when did I ever work hard, , (ppc), !wah! this like okay I mean towards A's right we have this okay there's this one friend in my class I don't want say her name but she was like struggling then I always taught her like chem and math


no no no S S, she goes same tuition okay anyway ya I always like I basically tutored her and stuff lah and I just did it cause she was my friend and I was very scared she would fail A levels like I was genuinely scared that she would fail I didn't want her to fail


so I was just like teaching her and tutoring her but also at the same time when I tutor her I also learn lah and then err she out of nowhere she just gave me this like gift and a handwritten letter which like she just wrote down like oh I really appreciated what you did


and I was so touched I cried okay I freaking ugly sobbed in my room lucky no one saw but ya, that was one time, you leh


track, , uh


okay, okay okay I can do this uh my perfect day I wake up at ten AM then I go Tanjong beach by twelve then I'm too broke to go Tanjong beach club right so I just set up my decathlon mat my decathlon beach mat


next to Tanjong beach club at the end of the beach then I just lie down there from noon until like three plus then I go inside the nasty sea the water is damn dirty but like you know that's all I can get I'm just going to take it, then once I feel like nice and toasty then we shower in the nasty toilet


then after that we take straight bus down to Somerset three one three #hai di lao# and eat #hai di lao#, then go home and like chill ya, my perfect day


, (ppc), , (mmhmm) getting warm


ya ya, and then you take your G seven X


, (ppc), (mmhmm)


exercise,


, describe a moment when things turn out better than expected


my A level results ah, a moment when things turn out better than expected, ya I think both of us


it's like, uh ya, I'm I'm super okay with it though it's like ya ya I'm fine with it it's not, ya, okay what's the nicest thing someone has ever told you


my gosh, this is so hard don't even remember what anyone says half the time, ,


what, ya ya ya


I was like two different people, and connect, !wah! that is damn nice, I don't even know what nicest thing someone, it's probably like ya your baking is not that bad cause I used to be so bad at baking oh my gosh but okay ya cause I ya cause I don't follow cause like what's the point


it's like #agak agak# still can what, ya but there's an inner like gordon-ramsay in me like I just know it like I feel it and it's like, okay anyway, what's the next question what's the happiest moment


oh I think I was in korea the Namsan did I tell you about this when I went to Namsan tower so it was like exactly one year apart, so I went in december twenty eighteen and december twenty nineteen and then at the same time like sunset it was one year and seven days apart


then I looked at the exact same view and then I was like damn happy the second time cause the first time it was like oh, !oops! I almost I almost cursed but I was like oh man like next year got A levels and I'm going to have to study so hard but then the second time I went twenty nineteen A levels was over and then I have like zero worries in my mind


I went with one friend in twenty eighteen then twenty nineteen I went with two people, ya you didn't know I went twice, ya I went after A level I went hong-kong and korea, I went hong-kong korea then Bangkok


ya then the second time I went korea I I was on top of Namsan then I was like oh my gosh like I'm so happy like I've nothing on my brain in my brain ya that was like happiest moment you eh


, !huh! really


ya ya ya ya


ya ya ya, you cannot breathe, yeah


!huh! legit okay, okay


okay, part one financial related topic


oh okay I think one (ppc) financial advice that I give to myself uh five years ago is that like I think the amount I was saving that I've saved up since then is okay like is a decent amount of money but then I think that I should have started to learn more about like investment


opportunities like at a younger age because now I feel like all my peers around me like know how to invest and they know how to buy stocks and buy bonds and like all those things and I I've never heard about those kind of things until like they were discussing about it so like, I think at our age now which is like nineteen I think it will be good to start investing or like buying bonds so that we can grow our wealth ya


okay next question or you have anything to add, ya I didn't know also until my friends were talking about then I was like !wow! I should start, ya cause that day I was like talking to my friend and then he was telling me about how like in a few years we'll get married like I don't know like twenty years right in twenty years we'll get married and then we need so much money to get to have a wedding and to have


and like to have children and like one one child is like approximately seven hundred thousand dollars if you want to like give them a comfortable life or something like that, so like if you like calculate how much money you have and then how much you need is really a lot and is like kind of impossible to just earn that amount of money through your income even if it's like a good paying job


ya so like you gotta invest in order to reach that certain goal, ya , alright, (ppc)


ya, , why you don't want to like just do it yourself, to plan like like plan your own finances ah ya you can like download apps to help you or like keep a book that tracks your expenses and stuff then you buy your own stocks buy your own bonds


kind of stuff, I I don't have lah but there are there are apps that you can download to help you with that like even your bank app your bank app can like helps you track but like very simply, like


ya it's time to start ya so so you like would rather get a financial adviser to help you plan do you trust them and like and like, (ppc), I get


, ya but like you you know financial advisers right is it you must pay them money


you must, you pay them money to like help you plan your finance, okay I I feel like I feel like for me right I would do it myself I would plan my own finances if I manage to learn how to do everything but if like I don't have enough time and I want to start like investing now then I probably will get a financial adviser to help me


you know how to do


oh that's true that's like, ya, there's not much for them to plan for us also you give them the five hundred bucks and then they'll be like like what do you want me to do with this


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


you want start first, (ppc)


, (ppc)


then insurance and investment eh


what insurance you buy which company one, (ppc)


okay, like the NTUC right, ya there was one no there was one last year that you didn't have to pay it was free insurance like free travel insurance ya it was quite shady but


it's okay, no I didn't I bought NTUC cause I scared like I get like I, too good to be true right it's like even even if you die they won't give you the money okay okay anyways


uh how I manage my cash flow okay at first I also did like how you did like I will have one card or like one bank account that is like purely savings and then the other one is the spendings but then like they will okay at that time they were both just like the cards right they were both ATM cards


but then recently I got I swapped one out for a debit card but my debit, eight, cannot you cannot paywave one it's only like you go to the ATM and you draw money so it's basically like I don't know it's not it's not very useful like if I wanna go shopping I wanna tap but I cannot use so like the savings one used to be the is now the debit card


ya so all my savings was in the debit card but I use the debit card when I go shopping so technically I don't even have a savings account now, but I I wanna go and like set up a new account or like change that the other one to a debit card the UOB one the debit card, ya I wanna change the ATM to a debit card so that I can keep one as savings and one as spendings


ya but how I do it is also like like like you like my allowance like my mum will give me allowance right and then I will just put like like half of it into the savings and then, ya I put half then like like like if I get if I'm working and then I put about seventy percent in


then I would put the rest into spendings ya okay then, (ppc) no it's like, what what is there to spend now like there's nothing to buy now


online shopping ya you're right you're right but that one I just use directly from the debit like from the debit card so I don't think that my I don't think I manage my cash flow very well I think like I'm losing money now I don't even know it ya


then like ya then for insurance and investment uh I don't buy my insurance my mum buys it for me uh I she okay I asked her about it just now and she says that I have like life insurance medical insurance and then like if I travel I have travel insurance


so the life and medical insurance life one is basically if like if you die then you get money out of it right then the the medical insurance if I get injured then they'll give me like money also they are both from great eastern, then my travel insurance most of the time we buy from NTUC ya so like the trip that got cancelled the korea trip that got cancelled ya I bought from NTUC


ya and then for investment uh I don't invest currently I wanted to buy bonds but then because, it's basically like you put in a certain amount of money to a company or government then after that like you have to put it in there for a period of time most of the time is ten years so you put your money for ten years and the interest rate like differs every year so maybe like twenty nineteen is like three point five percent


but then twenty twenty cause of COVID right it's like zero point five percent but then at the end of the ten years right you get your money back plus the interest, so basically like you earn money just for keeping your money into that company or the government lah


most of the time you can't lose unless like the company shuts down or like they go bankrupt that kind ya you can't lose money it's just like you put your money in there for a very long time then you can't take it out, ya, it's quite it's it's like most more safe than stocks that's why I want to buy bonds first instead of stocks cause stocks scare me


ya I was planning to buy but then because of this whole COVID nineteen situation then the the interest rates are very low so I decided to just put it until like it's over or like when the or when the economy is improving ya


alright what can you do to earn extra income or to improve your income level, it's in the chat it's in the chat , (ppc)


err ya same like I guess if you want to earn extra income you can always take on those ad hoc jobs like you know telegram and instagram they always have those like work one week ya ya ya ya ya like the temp packer or like cashier those kind


then the pay is also like quite decent I guess like eight per hour ya, that's my current job like, I'll just take it take it for the extra money, ya so did you have the habit of saving how do you ensure you meet your saving goals


, (mmhmm) (mmhmm) (mmhmm) I I don't know what's the difference between current and savings


are you serious, oh my I didn't know that


, , like you just have no money left, broke, ya I don't okay maybe I do have a habit of saving it's like whenever like whenever I get my allowance or my or my


or my salary right I just just put in the savings account lor and then I don't really have a specific goal that I aim to get like I don't know I don't even know what's a realistic goal right now for me so I don't really have a saving goal but I just try to see


like hopefully like across the months that my like the total amount is like increasing as long as it's increasing I'm fine as long as it's not decreasing ya because you spend like, money on, you you have a job right now


uh , ya same, how do I spend my money most of the time I just spend them on clothes or like online shopping cause like for the food and oh okay lah if I go out with my friends then I also spend on food and like random stuff like when I'm shopping but then mostly is on online stuff because


if like I go with my family they'll pay for the food if I go shopping with my mum she pays for the clothes so more exact what is what is justified err I guess the food is justified, not really cause cafes are kind of kind of expensive it's not worth to spend like ya err


I don't think any of my expenditure is justified cause they're all wants and not needs I don't think I'll have any


what, okay ya that too okay I didn't think about that but, (ppc), (mmhmm), and which we like don't need right but we just want I mean clothes you already have in your closet food you can eat at home right


ya and like what I've been spending too much money on is I think food, ya I buy a lot of food, ya I spend way too much money on food like


like I think most my of money goes to food, ya you are you are like cooking, so your your groceries is it your mum pay or like you pay


same same alright do you have anything to add on how do you spend your money no same, alright do you have the eh, uh


ya I agree like, , borrow money ah


(uh huh) I don't know, uh (mmhmm), (ppc), oh