ya so for all these, trainings right so the called , do you go to them because you need to buy something from them or do they just offer it to you because they want you to invest, like does it work


okay well, yeah I mean I've been with few is interesting but is just, I don't think I understand enough to really venture out on my own so next time you must Jio me okay


, I went for that ya


right ya ya


ya I mean like, since like a tenant there that I've been more aware like going around seeing the REITs, words on the building so you know that those are under REITs that you can actually look into it, but like I say, ya is something that I need to will take a lot more like it doesn't come to me as naturally as you are interested in it for me is like more on


an an avenue for me to get more money right for you is you had naturally have an interest in it so it's slightly different for me is probably a little bit more work, ya, so that's why I say next time you go for webinar or seminar like this let me know I mean if I got any question I can ask you


yeah I mean I've started but it keep hoarding that was a good analogy the only thing is I don't have green thumb my plants still die , , ya I mean ya


that's the made the huge difference right between you and me like for you is a joy for me it's like okay this is complicating yeah


ya the the jargon was like, fifteen minutes into it I'm just lost I'm just like don't know what they are talking about after while, ya, how long have you been doing this already, okay okay ya definitely enough to keep your interest going for ten years


lot of little tomatoes , ya that's what I said to my plants


, ya


yeah, just the different the elements as well which you you can't, there's only so much you can control right you can set have the same set up by the different element around the variables yeah


okay I mean what is the you mentioned there's a forum that, people give advice or website, earlier


that one I go to I read a bit, on that, what is it, seedly


okay so I guess all those are like based on individual's speculations there's no like, actual facts that support their speculation, it's basically based, basically the news that they receive


and then they try to interpret it and then have their own speculation, right it's not really like a, like a black and white then oh this is what's going to happen


affect their stocks as well


(hmm) like, okay, I mean so what is your absolute go to app when you want to, I guess you only need one to manage all your all your portfolios right you don't need that many to manage your portfolio otherwise it's going to get confusing


oh okay okay okay okay, seedly


seedly, seedly okay I will look for the app on seedly SID, as I oh okay okay, seedly okay good like seeding


(mm) yeah like seeding you put your money in different pot right, (mm), thank you


negative experience in your life


maybe you share first


yeah sometimes I think I find that these old people just because they think they're old like, we should given to them but I do I do see a lot of these old people who are really rude as well especially in train station


like they really pushed their way even though you try to give them, give way to them but they were still push you out of the way just because they want to rush to the seat thinking that you going to take the seat from them, but then also a lot of times you see the young people sitting on the seats where they're supposed to give it to the


more needy they are not really doing it, so I guess is one way or the other depending which spectrum you're on right whether you are the one who's in it or the one who's taking the, advantage of the situation, ya


ya I mean is no point talking sense to them as well you know because they come to the age that they are just, probably stubborn


and then they think they know better because of their age of their what they have been through but it's not always the case, right, ya


(hmm), ya it's like <mandarin>倚老卖老:yi lao mai lao</mandarin> ah, you know ya just because they yeah they they bang on the fact that they're older and they're more experience but ya doesn't make them give them the right to be rude per se


ya, ya, I mean it's quite surprising because a lot of time the taxi driver will actually ask you if you have a preferred route and if you do you should tell them right


and now that you are actually offering and they shouldn't even be upset with you for doing that, you are paying customer, ya,


still, you shouldn't be giving him any reason to be rude to you, it's not your fault that he has a bad day right, and he is in the front line he's providing a service, yeah he just doesn't need to vent it out on someone


who hasn't done anything wrong, it yeah all all the time they're everywhere it just a matter of whether you want to let it affect you as much, ya they're


there always be people like that around you know, ya, oh for me the negative experience I mean right now, for me on the situation


at the moment, ya on the CB situation, yeah just a little bit a lot of unknown on what's going to happen as well, ya even though


like you are going out you try to be you try to go through the day as how it should be but, somehow somewhere you know there is difference is going to be different from now on will never be the same, ya


, ya


ya it just human nature I guess like like it's always no one view on any methods right there's always like I say it always spectrum


like I see all these all all these old people as well and exactly they are people who try to play god I mean for lack of better word like, play police maybe it's a better word yeah they try to, be the up righteous person to take control of the situation but


they fail to understand there's also a compassion part where, you need to understand what the other person is going through, if the auntie is eating how can you be asking her to wear a mask right, and all these old people, they are probably living alone at home


and their only outlet is to be outside right, as long as they're outside they're not mingling with the friend they just like to be outside because instead of cooking up in a home where maybe, if you look at some of the old people's house they're always like, they're hoarders


their house is always full of things, and it's very dark and gloomy at at least to those I've been to yeah so for them to be outside to be in the fresh air is probably much healthier or safer for them than cooped up in the house my experience, I mean in my opinion


ya, so you can't really expect someone to put on the mask while, still eating right how how you going to do that, and I don't know what's the joy in a person for filming and posting up on the internet, is he trying to get


respond from other people is he trying to get likes or is he trying to get view you never know what's the intention right all those people yeah


ya, ya, I I believe that as well I think everyone is very tense up you know at some point they tense up


emotions like being cooped up at home, humans are meant to be social, animals right if you put a person in alone in a house and isolation that's why prison have isolation cells , it makes people go crazy yeah so


ya, that's why people start some people behave differently when they're put in put through that kind of situation, , and for yourself do you have children or


fur kid just fur kid ya your fur kid


ya you, yeah I mean it's your your


dog is like a child to you right, ya I mean someone close to you is part of a family already, ya


!wow!, ya


yeah I mean speaking about dogs like because my sister work overseas and where she is she was telling me during the locked down people, start buying dogs as pet, so that they have a reason to go out and walk the dog


and you you you can't help but to think about what happens when the locked down is over, what are they going to do to the dog, people are buying it as a, excuse or reason for them to go out so they don't get penalised


but you don't even know if they really like dogs so that's the scary part you know people, have a dog for a different intention different reason, which is quite scary ya, no not in singapore but it's yeah


cause everyone is being the only reason you can go out is to maybe walk a dog right or do the essential buying so they not only just essential buying they have more reason to go out because they have a dog they can probably go out everyday, ya


yeah, ya and, hopefully they really are dog lover and they, will take care of the dog for like fifteen years you don't just buy a dog for a year right, ya it's a commitment to have a dog


ya the attachments, ya, and then leave it to his own devices and hopefully it will die and be alone you know it's so sad like


and sometimes not just because of the old age but also because like if you have a new baby to the household, ya and then they really forsake the dog, for the baby I mean the baby wouldn't know better you're the adult here


you should know about how to manage it right and don't use a baby as an excuse, ya when you have the dog you you should be committed to take care of it, as part of your family, ya


ya, ya I believe that as well like, shame like, it's just how people are you think that, maybe because the lifespan of a dog is shorter than a human, but again


that shouldn't be the excuse, as well, and also some people just like to torture the dog even, ya, that makes me really really upset, like why would people do


something so horrible to another living thing


is this dog belongs to him or he just pick it up like a stray dog, right


oh that's even more sick to know that, you are treating that your dog your own dog that way right


ya, well, maybe it's the CB that made him go little bit cuckoo, he need to vent it


yeah it's a big pants like ya I believe so as well, they know they can't do it to the human, and doing it to a smaller living thing makes them feel better that they're in control


ya, and he know the little animal can't fight back, they have a full control of it in a way


he he is already a criminal by doing her dog door or animal ya or he or she I mean ya, , do you do dog


positive experience in your life


so like describe what was the best meal I ever had , best meal (hmm), well I like japanese food


so anything japanese is, good to me, yeah makes me happy, anything's as fresh eat fresh, nothing from the packaging is a good meal ya


food rescue okay, , ya, ya, ya ya


volunteer


so what do you go to the supermarket and rescue the food or or like wet market


ya


but who how do you, right, so everyone just like pay back to the payback ah or pay forward you know


by whatever whatever the benefit they paid for it okay, you know I seen like people doing it like giving out food around my area as well, ya so maybe they're one of the affiliated, club ya right


beneficiary ya


ya I think I know what you're talking about because I walk past and I saw some something what is that ah they they mentioned is a guava but I never seen it before, ya it looks like a guava, right, yeah it's green colour


I think I know which one you're talking about


I guess it's different cuisine like some, food are just meant for certain cuisines and it tastes better with the spices right, ya like for spinach itself chinese we have one kind of spinach but for the westerners they have another kind of spinach but they're both called spinach


ya, but the taste is just different in a way you cook it it also slightly different, ya, well I like to eat clean food, so what you the topic that we're talking about is good like fresh vegetables like I'm not


a much big meat eater per per se so I'm more like, maybe seafood, and more vegetables and fruits ya


ya I cook, I like cooking I mean I'm not a person that goes by recipe I just a little bit of this a little bit of that and then okay or I mean anything that's a one pot meal, ya, that's easy to cook but not no instant noodles for me even though is one pot meal is


basically what all the vegetables I put in a pot of soup and then I eat it you know easy to cook, ya


well I like soup and I like to basically chop everything in the oven, less thing to wash , I ya after you eat already after the meal you just want to sit there and do nothing but and you realise there's a lot of things to clean after that it's like okay let's get to work now


then you can relax after, ya the cooking part is fun, and it's nice that these days they have websites that basically you input the ingredients you have in in your fridge and then they will come up with some recipe that you can use


all the food or most of the food, it's a website, ya you just go and ya, ya


maybe not tailor but they will just basically do like a search and see whatever, recipe that requires most of the things that you have, or even all the things that you have that you can cook, with ya, including the spices and all that that you have you you can just put it in the which is quite interesting


ya, ya, oh, that baking, I like baking I guess at at I think everyone becomes a baker during the C CB


all became very creative, nothing to do right just eat lah , no I always enjoy baking but I guess during the CB we just have a bit more time or rather we can't go anywhere else right so and the thing about baking is like you don't only just bake one


you bake a lot and you end up eating the whole, whole basket of muffins for a week, like I keep eating the same thing for a week, ya, so either that you freeze it lah, you can freeze half of it


we we can't, CB you can't go out right you can't even have interaction so, ya, I would love to but , ya so you end up eating the same thing


or week so when you have it every day until you uh, to a point you just like okay I have enough of muffins, ya, different style of meat eating what do you mean


oh, , well the the muffin is still the muffin , you can eat it with something else but ya, the main course is still the muffin I guess


ya, , ya it's still fun I mean is, muffins are easy to make so, no problem it's just finishing it alone is a problem


I just I have two more left, just me well I make I recently make a batch so I have been eating it everyday ya


it's always different flavors like depending on what I have then I will just use it like muffin the base is just, the flour and you know egg no no eggs I use I don't use eggs anyway so, flak seed


seed powder ya, so flak seed powder is actually a substitute for eggs, ya, ya, (hmm), you don't really generally taste the egg in all the cakes or muffins right


you just need the baking is like science so whatever ingredients you put didn't have to be pretty precise right, ya so for me is never the same because I always a little bit of this a little bit of that, but the egg is basically the holding agent it were rising agent sorry not holding agent it's like rising agent yeah so yeah it's similar function if you use a black seed powder and then you mix it in water


ya, so for me I find I would find substitute like because I don't have all the ingredients like I don't eat a lot of eggs that's why I don't like to buy a tray of eggs and then I eat it very slowly so I find substitute for eggs


yeah, (hmm) no I just, find not to eat too much animal product , or meat or animal, no I mean I eat seafood still


I guess anything with four legs ah or two legs , four legs two legs is no, vegan is hard vegan is really hard


you're not talking about vegetarian vegan is hard yeah, , that's a good accomplishment


, you have gone to the dark side and never looked back, ya


more on the white meat like chicken oh chicken love chicken only, oh duck is still right duck is red meat though, ya


ah okay, so you only like two legs


well six month is still a good accomplishment, because vegan in singapore is really, I mean it's become more and more, I mean open like people are more open to this kind of, diet but before that is difficult even vegetarian is tough


ya, we are talking about not even buy product of animals sia no honey no eggs and stuff like that,


ya, for me that's not tiring, see the different is like the financial thing for you it's not uh a hustle for me it is but for me reading about all the nutrition it's not it just comes naturally like I really enjoyed and I realised that a lot of vegetables that we eat already have protein


and some actually have more protein than meat, it just that ya we don't and the time, when when we're meat eater right you tend to eat more meat than a little bit of vegetables where else you can change it the proportion right you probably get more protein, ya


yeah there are I mean those are more on the nutrition science already


but for me, is usually about, enjoyment I enjoy eating my hood and also in moderation, ya, so that that's what I go buy I don't go too much detail into it I although I can but, if you start talking about all these with friends ah they'll be like uh


ya , so you just eat whatever, ya,


ya, ya


ya, well I guess you still get the fibre or you know, like you know, if is vegetable then you still get the fibre you don't get the nutrition ya, it's like honey, yeah it's interesting like recently I found out about honey I read online that you don't drink honey in a hot drink


sort of like ya apparently you can't drink honey in a hot drink, because like, exactly like what you just said it kills all the enzymes, you're not supposed to drink honey hot, or put honey in a hot drink hot water, and you're not supposed to even use honey for baking


yeah the only thing that it works in all those hot drinks and baking right it's just the sweetness, and no nutrition at all


honey lemon ya same for me, so I actually spoke to this guy who imports like honey and we had a good talk and we found out so much about honey which is really interesting as well and like the different colour and honeycomb like how come some honey is clear humps how come some honey is


cloudy like does it mean the grade is different ya so he told me about, oh and not using metal spoon in honey, only use porcelain and wood, because, I mean if you just scoop it up is okay but the reason why they don't want the metal spoon in honey is because


metal right will they come off and it will stains the honey, yeah but then again you have to put the spoon in a honey for prolonged period like maybe ten minutes or more if you just scoop it up is fine unless the spoon is out already had a cooling off


and the metal is actually leaking, and it leak into the honey then is not good, ya and also if you keep using the metal spoon in a hot drink right the coating will come off eventually, ya so the best way is to either use a like a, wooden spoon or porcelain spoon to scoop honey and the best way to consume honey is to just eat it like that


with all the enzymes and nutrition, ya ya so it's, and I like honey I use honey as a substitute, but for my baking then now I realise that I shouldn't even be using those expensive honey for my baking because it doesn't have any nutritional


value ya just a sweetness, yeah or I can substitute with maple syrup which is cheaper then like a manuka honey ya


yeah


ah, ah ah correct, okay, so so how how do you like have the money to like even start to buy gold now


to to to buy the gold lah ah, okay so okay so how do I read like invest my like start investing mine now right is through this kind of


apps like this kind of companies ah private companies like a robo adviser companies ah so basically you just put your like monthly deposit you can choose to like put a lump sum inside first or you can like choose to slowly deposit it monthly ah so I'm using


this this this company ah that they can like, they will advise you on what you should invest in based on the portfolio that you choose for example if you are a student right then they will like lower the risk for you so if the market is not doing very well you won't lose a lot of money as well


but at the same time right is a very safe one lah so you won't gain a lot in maybe two three years like, this kind of thing is a period of ten years then you slowly accumulate up ya so


there is risk but the company will like try to like lower them based on the portfolio they choose so I'm a student mah so my income is not a lot so ya I'll just I'll just type it inside the app


then they will they will help to mitigate does the risk, and ya so I won't I won't lose a lot of money and ya it's quite safe ah it's quite safe for a student, so there's like different options also in the app right you can choose right next time if you're buying house or you want to get a car or you wanna start a family so you can choose like a different type of portfolios then they will help you like allocate like


like uh give you a target on how much you should save, per month then through like five years like after five years then you hit this amount then maybe that amount is what you need to buy a house or something like that ya so it's quite good lah it's like a guide


like that ya ya so


(oh)


(oh) okay


so how do you like get so much money in in a not so long period of time to like get a condo, like to rent out like you see ah, you go army right then let's say you sign on if let's say you sign on then maybe get forty thousand after five years or something like that then after that


you you will continue uni or come out and work, then how how then after you get a condo right you're not going to like stay in it and you're just rent it out and still live with your parents one so


oh okay okay okay then okay now so let's say right


I've definitely save a lot more lah, uh during the COVID period like , I got work some part times and I also don't really go out to eat or or shopping so so I'll put like uh maybe


eighty percent of of the part time pay, into like the robo investing app ah like I said earlier, so, after COVID , maybe okay this COVID period will last maybe another two three months then after that I will


be maybe in the okay ah maybe, then I'll be in the army already mah so I won't really be spending a lot of money so mostly I'll be saving up, ya ya lor not not much money spent


(hmm) ya


okay K so let's say do you will will you recommend someone to like get a credit card


ya would you recommend ya credit card


okay


the the debts ah okay so so for my point right getting a credit card for me if if I were to get a credit card in the future right I will use it for like emergency, fund no cause if you if you are using a credit card to buy stuff


then it won't be like, you can use your own money that you earn to buy it's ah why would you like want to make uh get a credit card to, ya I I feel owning a credit card is very good ah because you can like take uh use the money let's say you are short handed like at the moment like you don't have the money now to pay for the milk or something then you can use the credit card


to to help you to pay for it first ah, ya, ya that there's ya ya ya ya like you you need to be responsible in your spending also like you cannot anyhow spend and feel good about it then you just just use it then you don't think about like the consequences like how much you have to pay at the end of the month like whether you have enough to pay


ya so you must you must be responsible lah I mean you can own a credit card but you just have to you know use it wisely ah cannot like anyhow, use it you know ya


ah so so ah okay okay, , ya I I think ya I think I'll do the same uh like I will I'll pay the one with the highest debt first so I don't have to worry like how much it will increase you know ya


so I'll I'll just focus all my spending on paying off that one first, ya so, okay let's say if your, or okay what advice would you give to someone to retire comfortably like in the future


what advice would you give to me if like ya to if if I want to retire comfortably in the future maybe like , six fifty years old, fifty five years old like that ya I want to retire early and comfortably like what what will you give me


oh like saving up ah, okay


take up some of money ah ya ah ah


okay okay okay so , oh okay okay so so what are your thoughts on like CPF contribution lah is it uh good like okay cause some company some part time jobs right they will deduct like CPF contribution like now


then some people like don't like it lah so how do you how how how do you look at it


earlier lah ah


ah some more like like, okay okay then okay let's okay let's say or for me right


I feel that CPF contribution now at this age right, shouldn't be too much I feel it's okay, but there should be like lesser percentage because our part time job we are not earning a lot, let's say maximum five hundred per month


then, maybe they take away eighty to hundred dollar, to to into the CPF account so ya I I I think it should, be lowered lah the percentage like shouldn't be so ya, ya lor


ah ah, buying a car ah ah ah


K I would I would tell them definitely to save up for it lah like their main focus is on that like let's say you want to buy a car right so you need, to set maybe sixty percent of your monthly income into


into like saving up for that car ya, sixty I mean, okay lah depends lah maybe fifty percent of your monthly income ya just my point is like you just have to set aside an amount right, to for that like especially for that car ya so


like that you won't you won't be like you won't be overspending or anything ya so it is is pretty safe to, you know ya you you you will get a car, ha


okay


clear clear the debt ah, ya cause you need a stable income and everything stable first before you can plan for these big things right ya


ah, like allocate a certain amount ah on on on that ah


ya and and I think right having an emergency fund


is is very important lah especially like this kind of period hits you then you can you can take out that that amount to, to to, spend ah, so so I think err, like everyone have to or maybe me ah I I would like


allocate a certain amount of money like starting from now ah like doing all my part time job so I will like slowly like my main focus is to come up with, at an emergency fund put aside an emergency fund


so next time if if like things were to go haywire like I can use this fund to, to live through it lah, you know, ya so so it's very important ah, for an an emergency fund to have emergency fund ya


ya lah like


you, like I think it's really important because like everyone wants, like to retire early wants freedom to enjoy their life right they don't want to like work half their life, then left you know to like enjoy so the thing is is very important ya uh


ah you've prepared to okay so okay so next time let's say you have a like have children for them like would you like uh how how would you make like an investment portfolio for them


like like health insurance all all that stuff ah ah


so for me right I would like maybe next time uh chinese new year money #ang bao# money for them I'll just uh put it in their account like to to have it like grow ah like start young lah so I would I would do that [loh] it's a very ya that's my plan ah I would like slowly put money into their account ya


so next time they can use


part three negative experiences K, so sean tell me a time like describe a time where you felt like trap or helpless


not in your life ya


like had that expectation for yourself right ya


to spend with them ah okay okay


like because from the transition from one position to another position like from libero to a spacious


defense specialist right like I only have three months to train a skill that is so important to me then ya I was very very stressed because at that, moment of time right


I was struggling with the skill like given that short period of time right I've to perfect the skill as much as I can, and at the same time right there's a lot of things going on lah like you said


in school sem two ya sem two right it was quite stressful period for us, there's a lot of work and and stuff so, ya a vault ya training ya so mentally physically is very draining for me and okay and and I thought that like


no one will understand how I feel at that moment like they will they will not know how much how tiring the training is and then how much work I have how much work load I have in school so, so I I didn't really confront anyone never tell anyone


like how I'm feeling now lah so, ya and and I I really didn't know what to do lah how to cope cope with it so I just I just went through it and it was it was very draining that that period was very draining and ya I really felt trapped and helpless


for for the period of time ya so , what is the what is the saddest scene that you have have witness


want somebody to go and help, like you ya


oh okay I I'll I'll share, time where where I felt I was not good enough, okay so,


it was also during SEA games uh ya or or or throughout the volleyball journey lah because I've been playing volleyball for close to ten years so ya I've gained a lot of experience from there be it positive or negative, so there's definitely moments where I felt that I wasn't good enough I wasn't up to people's uh expectation of me so


err, okay so there was this once okay because I'm in secondary school right I was in the main team like I was doing very well ya and after I graduated


because the transition from secondary school then straight away I went to national team right so the transition the transition is very huge, and like, ya so, so definitely of course you want to live it up live it to up to their expectation right cause you're you're in a national team now


so ya whenever like uh, I have a bad training a bad training is like whenever I lose a match because after every training we'll we'll play a match, ya so whenever I lose a match right like during that training then I'll feel that like I'm not good enough for this this team like why why am I here you know like I have a lot of self doubt


and I will I will not have like confident in my skill and stuff like that so ya that's ya that's when that's when I feel like I'm not good enough, ya, ya


(hmm) okay


missing ah


okay okay okay okay


, to to recover


okay so apart from that right what do you, what often worries you like is there anything that that often worries you


okay okay so okay ya same thing I I'll tend to like think so far ahead or into my future like that right I was I'll be very stressed out and worry ah like I'm I'm currently planning whether I should sign on on NS or not


and ya and after NS I have to plan whether I want to straight away start work or should I continue going to uni, and and whether I'll ya I'll and whether I will still like have want to study after NS and if I don't study if I don't get a degree can I have a job something like that ya so so we we ya


ya ya ya ya, so ya so that that that really worries me ah that's something that, I I I need to you know plan ya think about a lot and, okay so now I I'll share about the one biggest thing that's holding me back from my goal in life like currently the current goal so because I'm still in the okay because I'm still in national team right my current goal would definitely want to get a medal right so my goal for myself is to


to get a at least a bronze medal in the SEA games but, it's very tough for, the team ah to to actually reach their goal, because of the the fast paced life in the and the culture in singapore I feel that


because because some of us are in uni some of us in the army so we can't really like focus full on uh onto uh into our training ya, so that's a factor that that is holding us back from our goal and some of them after


uni they'll maybe be around twenty four twenty five years old and that's the time where they need to, they need to find a full time job, ya, so so maybe some of them won't be continuing volleyball already


so so that's really a very, it that's the biggest thing, that is like that's the biggest obstacle that is holding us back from our goal


fully support you to push you to uh, okay ya ya ya ya, ya ya, so so what about you what's what's the biggest thing holding you back from your goal


like build the foundation ah foundation well ah


so you are losing interest in this area already ah, that you want to pursue ah


like do what your heart tells you to do lah


like what if what if you've you have done this ya


ya same ah I I I also I also like after every like game that I've lost right I also talk to myself like what if uh I should have done this better what if I had uh run ran faster for that ball, then we wouldn't have lost that point


you know things like that so ya, ya so


okay I feel that if I want to change something right like, it uh, there will be definitely be ways to change it if if if it's not changed right I've to me ah I feel that you're not there yet if you get what I mean


never able to then I'll just leave with it ah you know like like if if if I couldn't change something then then I will just make do with it ah


okay for me right everything that happen in my life right there's a reason so so I don't think I would want to change any circumstances


that that has happened to me ah be it good or bad because at the end of the day I will gain something from it I will learn something from it and and ya, I will always remember the lessons from it ah so so ya, so what about you


of course so what about you, ah


okay


oh okay


okay, oh okay


okay so so you need to like overcome that lah you need open up more to


to others ah okay so is there a time where you said some hurtful words to somebody, and you wish that you you wish to forget or or or, or can be someone said some hurtful things to you then ya


oh okay okay okay


<B>, okay for me there are also it's also mostly on court lah like if if my teammate miss a ball or something like that I would like in that moment I will just like


shout shout it out, and , ya just I will just say some ya ya I'll say some like hurtful words to to them but like like it doesn't come from the heart like I I don't mean it I don't mean to like hurt them no but it just in that moment that you just say ya so


part, two positive experiences, okay so sean would you like to share or describe a moment when things turn out better than you expected it to be


okay so recently uh last year just last year I've been to like uh uh sea games like sports games


then like , okay at first I'm I'm supposed to play as a a libero position so sort of position basically is you you don't get to serve you don't get to spike you just get to like, receive like defense ya ya defense and


then like three months before the games my coach gave me another position like change my position lah basically into a position called defense specialist so I'm basically my role is to go in and serve at like crucial moments and to defense ah and


and I I've never like train service in in my entire life before and I only like I'm only given three months, for to train for such a big game ah so so I was pretty nervous I had a lot of self doubt and and honestly I had no confidence and like to do it well


like during the games so like, on the first game right I was definitely very nervous, and, and my my goal my goal for myself for that role, is to like not make any mistakes don't lose any points and hopefully like win one point ya that was my goal at the start of the games like I've given myself so ya basically I had a lot of self doubt during throughout the game


and like I just you know tell myself to, to not lose any points and stuff like that so at the on my last game right I actually managed to like earn earn a point from through service like for my team during a very crucial moment ah so like around twenty points and above


so ya that was that that's the very important moment to me and and it really turn out, better than what I expected at first like I expect myself to be very nervous very Kancheong and like, we will lose points and stuff like that, but in the end ya so


I've met I've like met my goals for that game and I have no regret, it's ya so, wanna share your moment


okay, because


your position ah ya okay


okay so ,


okay my most memorable moments okay okay let's just be because like I'm a sports athlete so I will watch like, my idols online like YouTube like from poland from japan


you know from iran like playing online so there's this one competition right it's called ASEAN volleyball competition ah, in taiwan then, then I got to meet like actually meet players from europe country


so ya I, ya in taiwan like we come together to play the competition then we be I then I saw like my idol ah and, it's really you know what the moment when you meet your idol let's say ya


maybe you meet your korean pop star or something like that then ya ya ya so ya it's that kind of feeling ah like !wah! you look up to them so much then you finally get to meet them in real life then watch them play real life you know that kind of feeling is really very surreal like like you you will never imagine you like I will never imagine myself


like you know actually seeing my idol play live ya ya so, so it's it's really memorable man that that's a really that's a memory that I would like keep in my, in my heart ya I'll never forget ya ya


so so what are you thankful for like what's one thing that you are very thankful for in your life


(mmhmm)


your sister oh oh okay


ya they given you a lot of like moral support and all that lah like just support lah ya, so are you thankful for


so so are you thankful for any of your friends


okay okay okay okay okay then then would you like to , like describe your perfect day


oh okay okay, okay I will describe my perfect day without any stress without homework without work you don't have to think about anything actually


that that you need to worry about okay and not really nothing lah I I would like like yesterday you know okay because my hobby is, fishing right so ya so a perfect day would be like just to chill like do something that you like like your hobby


you don't have to worry about anything like you don't have to worry, ya like tomorrow's what that uh tomorrow I have uh work at what time to what time, or there's some assignment that I need to complete ya you don't have to ya no worries at all just empty your mind then do something you loves just laugh about it ya [loh] just spend your day to the fullest you know okay


my biggest blessing in disguise okay uh I would say my biggest blessing in disguise


is still the the volleyball but, like from from my position my original position as a libero, to like a a server like, because as a server right I get to go in to actually play know if if I'm still a libero right I'll be standing outside because I'll I'll be like the second libero mah like the substitute so I'll I'll be outside as compared to like a a defense specialist where I go in and serve and get to actually experience and play ah


so so at first at first right it's it's actually really stressful, and and I don't think that I will do very well like I I I I thought I would screw up big time you know but in the end ya it was quite


heartwarming and uh you know fulfilling to me ah like I've actually achieved my goal and stuff like that so like I've worked hard and I've like reached my goal also ya that's one thing that that is a blessing in disguise


you wasn't selected or or you didn't want to go


learn about the culture


oh okay, like


ya like other than school time you get to play ah like, get play time ah, #dim sum dim sum# right ah


they will cheer you up ah, so its like your go to is #dim sum# lah, #dim sum# and beef noodles ah, !hey! #zha jiang mian# okay , ya ya okay so okay what is your biggest birthday present like


the most memorable it doesn't have to be a biggest but like the most special thing to you, like you've received, phone or


ah, it's important to you ah ah okay okay continue


okay so for me right my birth my best okay because I also don't really receive much present for my birthday like I don't really celebrate it, okay so ya, okay so , when I was sec three right I my friend actually bought me a volleyball and back that the time volleyball quite expensive ah like around eighty to hundred dollar (eh)


so, so ya it's it's really it's a very close thing to my heart like it can still like play use the volleyball now I can think of that day when when he like actually bought for me and also bought some clothes for me ya so that's that's really a very that's the best birthday present I received


okay so like I said lah I've doubted myself like during the the SEA games period


like I've doubted myself I thought that I didn't do so well like I didn't really contribute much to the team, but after the SEA games the period like maybe three weeks after after SEA games right, err and a philippine uh fan like


DM me on instagram like he say that how much I've inspired her how much like I've, and motivated her to train hard because like given she she she actually, given my size right like I also ya like ya then she just she just say like given my size I have the


courage to go in in such a big stadium against such like strong opponents, to go and like do what I'm supposed to do then and that really like inspired her because she also she is also like one of the smallest in her team and she don't have the confident to like actually go and display her skills but after watching me


playing against them the the other countries right ya actually actually motivated her and ya it give her the courage to to actually go and do it ya so, so that's after after after I read that text right ya it really it it tells me that I'm doing the right thing you know I'm doing it right ya so so that's a very


okay ah


they recognize you ah


, like motivate you to like work harder like to give your best in everything you do lah right, okay okay thank you sean


!oops!


financial related topics, so, these days I've been thinking about like uh


how do I invest my money to accumulate wealth , and also at the same time like uh planning for the future lah like retirement, so I've been thinking about it and like talking to few of my friends, and actually surprisingly one of the option that I thought of is kind of like uh investing my money


to buy gold because, as far as I know uh the prices for gold, will not decrease so by buying gold and like keep it for future use, uh it's value will definitely go up lah


and ya, but uh I was like it's kind of like a safe option as well lah so like I can sell it, anytime and uh earn the profit in the far future lah


oh like uh I start saving from young lah like at this age I can already like uh cause currently I'm like working part time and everything so like I can definitely save the money from, starting from now, and uh


whenever I see the price of gold uh go down I can , uh check my bank account and then like uh purchase the gold ah ya that's right that's right


okay okay, so actually planning for like my retirement in the future which is like a very long time uh one of my ideal option right is to save enough money right


like uh right now I won't save uh like I won't spend so much lah so I said to save right, and then, ideally situation, I will purchase a condo or a house, and then put it out to rent


yes, so like that way right uh as I wish like a retirement age, I can still like get a steady income through the through getting the rent so like at the same time


I wouldn't have to rely so much, on, my future kids ya so like I still have like a steady income myself ah so that's, kind of like a ideal situation for me ya for my retirement


ya that's a very good question uh


no okay the ideal situation right like even before getting the condo out to rent I must make sure that I'm in a, uh I'm like, uh financially stable lah so like uh I have like uh my family is like uh like the the income everything is like uh okay doing well and everything then I can like slowly uh


move on to do what is good for like my retirement stage ah, ya, so like the planning stage everything is important lah and you cannot really like uh you plan then you don't stick to that plan ya so it's very important to stick to ya


ya ya, so anyways right anyways right, like now because of the COVID situation right is there any changes in your like lifestyle or like the way you spend


then how about like after COVID situation


I think will be longer than that


ya actually uh similar to me ah cause uh for myself , ya even before COVID like err, I'm not a very uh I'm not someone who like spends a lot of money like without even thinking like I would


err like it, ya I spend on like my needs rather than my wants, like uh even when I buy food like I think a lot like oh is this worth it oh uh like is this meal going to uh be enough for me like and the prices and everything so like in terms of my spending and saving habits I would say uh post COVID and pre COVID I don't think that I will change a lot


but I would still err keep an eye on my, spendings ya, more closely lah since now the situation is pretty bad ya


oh , , I feel that err someone should own a credit card only when, they are confident and they have a stable income, and they have a plan uh every month uh for their spending and their budget lah ya


because if you own a credit card without all those right I would say it's pretty dangerous because you can uh overspend and then by the time, where you have to pay all the sum of money uh for the credit card uh like for the month you might not be able to uh


pay up that sum and then it leads to a debt, so it's kind of dangerous and I would advise everyone to avoid getting into debt because uh it's a very serious situation and you definitely, don't want yourself to live your life that miserably uh just


to pay up debts ya, ya how about you how about you


but do you think someone should own a credit card


but at the same time I feel that there's like pros and cons ah of owning a credit card ya


ya, actually uh let's say like right now


uh you're in debt, my advice would like uh like I thought about it before ah like my advice would be like err you should uh tackle the debts with the highest interest rate first, that way uh


like uh like that's like, like uh pretty, high high highest interest rate so like ya so you should , pay up that that that sum of money first and like at the same time you should stop using your credit card to uh prevent yourself from overspending ya how about you do you have any ideas


for what oh


some of the advice ah, uh, I'll make , I will definitely, advise you, to start young, planning like in adulthood because you definitely can't


suddenly have a big sum of money when you're fifty sixty you should slowly accumulate from like when you're thirty, or like even like in your late twenties you should uh start, or you start saving from there ya and a very good uh plan that the government have is uh is actually CPF


so , through your income through your monthly income like a portion of it uh goes into your CPF so you actually accumulates, money from there, and after you retire you can uh every month you can uh


get back a certain amount from CPF ya so like it kind of like uh, it's like a backup plan for you ah, to retire comfortably


oh err, I feel that err, you can look at it err both ways like there are pros and cons as well, the good thing about err deducting from your, from your pay right now and contributing it to your CPF is


uh you can slowly, and I said just now or you can start from young so it like slowly accumulates, so you you start even before other people so you are thinking about the future way ahead of you uh as compared to other people


so like you definitely have a head start ya because uh you start young err you uh you start you started earlier than them, ya correct correct ya so I feel it's good but uh the bad thing is like you can only like see the money you can't really spend it so it's a a


that's the downside of it ya, until like until you get until you retire ya


so for someone like , planning to, err get a big purchase, what are your what are some of the, strategies that you would recommend like example they are start they're starting a family or like


uh they're buying a house or car ya


isn't that a lot


for me actually uh, I would uh I would, ask that person who is making a big purchase to make sure that, uh first they are not in debt


and uh and if they are uh make sure that uh they should uh clear their debts first even before like buying a big purchase especially when uh, ya either starting a family or when you are buying a car


for yourself ya, and like you should also uh plan your budget for each month because every month is different like for example the start of the year uh more money might be spend due to chinese new year you have to


uh pack, yes correct and like to , make sure that uh when you when you spend big on the purchase like a car make sure that you still have uh, a sum of money left enough for your other important expenses


ya I think that's very important


have you have you uh have you heard of this uh, uh have you heard of uh financial, independent retire early FIRE


so like what are some of your thoughts on it


ya I feel that it's very important, like to have a backup plan, if uh anything happens because uh you know life is very unpredictable so you should definitely uh save more and spend less


and you should always plan ahead like uh think about the future more, and like , always make like it's good to have like make a five or ten years plan down the road and like make sure you stick to it and like always have a backup plan ah like as I said just now because if anything happens you still you're you are prepared ya


oh uh I did thought about that so


I definitely would like when my kids are like reached a certain age, like I definitely would uh, buy insurance for them, I feel that insurance very important because uh uh it's , sort of like a backup plan as well


ya it like, ya like a health life insurance ya, it's a very important because life is very unpredictable


part three negative experiences


I would say uh when I was in my year two of my poly, ya, actually uh during that time, uh it was, a difficult period of time for me because uh, a lot of things were changing uh like personally and like


in school, err I had less time for my family and like I had I had a lot of like uh work to do in school ya and like err, during year two uh the modules given were like very tough as well


ya and then, uh I had a tough time coping with it because I did, uh above average for my year one and I definitely wanted to keep it up


ya and like uh I wanted to do even better for my year two, so I kind of push myself a lot and I felt stressed a lot of times, ya and, around me I can't really reach out to help uh because at that time my friends uh they have their own ya they have their own stuff that they were occupied with and I meet up with my friends very very uh uh very very less


and like I don't have a lot of time to bond with them as well lah ya so like I kind of, only have time for myself like like it was just like on on a repeat cycle like I just go school study than comeback then come back home to study again then I'm back the next day then the same thing yeah so it's actually


quite a tough time for me and I kind I kind of felt felt a bit uh helpless as well because I can't reach out to anybody and uh like it's kind of like my problem so I have to solve it myself, ya and through through the tough times I kind of like uh realised a lot of things you have to lean on like your friends your family when


you are in need of help and you shouldn't keep it to yourself ya all the time ya how about yourself


like you have to cope between uh going to classes and like trainings at night right ya


the saddest scene ah , personally for me I wouldn't say it's the saddest but err I will consider, very very sad for me because uh at home, I have a grandmother that I really love and whenever I'm outside and I see like other elderlies in public like alone and like when they have like difficulty walking and err


I always feel very uh sorry for them and always want to help them in every way that I can ya so like whenever I see like elderly , uh carrying heavy stuff like off the bus I would always offer my help because uh they always they kind of remind me of my grandmother like what if my grandmother is outside uh feeling helpless I definitely would uh help her


ya definitely ya and like I feel that err, we should really uh cherish them when they are, here with us ya and like everybody should like uh be kind to one another like especially to your elderlies


ya like always respect them and like because they have been through so much uh throughout their life to get to where they are here and without them there's there's no us lah ya how about yourself


like you like you're suddenly playing with like adults all these right


like like nothing you do is like good enough to live up to your expectations ah, so actually for myself, uh, like I played sports for a period of time as well like I played different sports


ya so actually uh, I've I've been injured a lot, and ya actually uh currently I'm also injured ya I I I injured my lower back recently so like , before I had the injury


I was like uh preparing myself for like uh just to keep fit lah like stay healthy and everything and like prepare for NS also ya and actually, uh after I got injured like, I felt that uh I was kind of like helpless ah


because I couldn't do any exercise and I felt like a part of me was like uh gone because, ya because uh before I had the injury everyday I would make time to exercise and like just to do anything that uh


that uh that increase your heart that increases your heart rate lah like uh skipping running ya and like just like normal exercises you know and like suddenly I can't do any of it and like a part of me felt like it's gone and like I couldn't do anything like nothing I do is like


like there's nothing I could do that can help me ah I just need time to for my injury to recover, ya so I kind of felt helpless as well ya and like nothing I can do ah ya


, for myself I think I think about the future a lot, so err definitely that's one of, one of my biggest worry like the future because you can never know what to expect like


uh like I can never tell oh uh, what am I going to do tomorrow I mean you can definitely plan for it but you'll never know what will happen like you don't know what to expect so I think about the future lot at like uh am I going to have a family in the future or like err


how's like how's my job's going to be like, like am I still healthy, or like , like how's my job environment like ya I think about like my job, like family


health, all these a lot for my future, ya so that's one of my worries ah ya that kind of, ya I think I think about that a lot how about yourself


and studying, ya you worry about your job scope like your job aspect of life a lot lah


some more like in singapore they don't really uh provide any like a system where they fully, uh, like push their athletes ya, to have a career in the uh this aspect ya


err from my goal ah, honestly I think it will be myself, ya, err, right now I think my goal is just, to build up


like start-up err like a career for myself, like I would say like studying, ya, ya because if I will because uh right now I'm still pondering if I should go continue this aspect in aviation that I'm studying currently


so that could be one option or there could be another option which uh which I haven't thought of, ya so, so I'm actually, I'm actually like uh, holding myself back because I'm not sure whether this is the right path for me ya ya but at the same time there is no right or wrong ya you should just like uh go for it


like if you think it's right then just, full on ya like hundred percent like try to do your best in whatever you do ah ya but at the same time like some of the things that stresses me a lot is


thinking about like a time or like an an event where I could do better in something but I didn't that really stresses me out ya when I always think back about, oh like maybe uh at


like for example like when I when I'm playing floorball like maybe oh this game oh I didn't put in my hundred percent maybe I should have done better then uh I will think about that a lot and I will overthink and like it cause stresses me out ya what if I've done this then like oh maybe we wouldn't have


lost or something like that ya how about yourself does


then is there like anything that you would like to change but err will never will be able to lah is there anything, about yourself ya


what what what if you are never able to


oh okay okay, but but what is something that like you wish to change, or is there nothing or


I think that's a very good answer, for myself , what is one thing that I would like to change, , I think it's very hard to change someone's


uh personality, uh I wish that I can be much open about things because, myself I will consider myself as a introvert so I don't, really share things easily to others unless they are considered close to me then I would share lah


or even like err, even like uh friends in, volley I don't really, uh, ya because I wouldn't see them as close unless like, they hang out with me a lot lah ya you know ya


ya so, I would like to change that, I would like to change, the way I approach people because I've, uh I feel that sometimes like people dislike the fact that I don't change or what I like like uh like I don't open up


a lot to them ya because like, ya, so like that's what I like I don't really talk a lot with other people, unless like I'm close to them ah ya so like, ya, I wish to change that but I feel that it's very hard


for myself because I've already err, kind of like it's, sort sort of like a habit ah ya, it's not really a habit but it's just like a, a a trait that I have ya, yes yes yes


, says some some something to me ah oh okay I think


there are definitely times where we were in the moment like when you are in games you are you are you are living in the moment and like uh things just slip out of your mouth that you wish you didn't say, ya so like maybe I will scolded my teammates, ya ya ya and like maybe my teammates have scold me


but at the end of the day we will definitely uh, like, talk it out like oh it was part of the game uh I apologised for that something like that ya


like you say something you don't mean ah ya


okay okay understand understand okay


part two positive experiences


oh


you play volleyball right volleyball


that's a very it it's a it's a very cool story from you okay, so actually uh if I think about it uh I would, talk about my most recent experience, because uh currently uh I just finished my first semester in my final final year of uh my poly life


ya so uh I'm actually looking for internship so actually uh I went for an interview recently, ya and honestly after the interview I didn't think that I did very well


because I missed out on a lot of things like a lot of important things that I should have said, that might uh secure, my position for internship ya correct, so , after the interview like I doubted myself a lot and like


I, I had no idea and I didn't expect myself, that uh, I would get the position for internship, and but lucky enough , a few days later I actually uh received the email saying that uh oh I got the position for the internship so that's uh


so very good ah ya ya so like it you took, like I wasn't, expecting any of that ya so it was very very surprising and uh very happy moment for me ya, ya so actually uh s


have you travelled around like since uh you went for SEA games right uh you travel a lot so like have have you have any like, a memorable moments when you travel


in taiwan ah in taiwan


ya ya


meeting face to face ya, ya okay that's cool that's cool


what I'm thankful for, , for myself, uh honestly, I would say that I'm very thankful for my family, ya, because err


without my family uh I wouldn't have today lah honestly because, throughout my entire life uh they have been there for me, ya my uh my father my mother err, my grandmother ya


ya my sisters, ya , so like uh they've been there for me uh throughout uh every step of the way like for my education, uh for my sports my CCA my floorball


uh tough times happy times, uh, ya correct so ya actually uh I'm very thankful for my father personally because, he has really done so


much for the family ya like he has ya he has sacrificed so much err, just to make sure that oh we live a comfortable life we don't have to think about a lot of things, ya so very thankful for him


uh no , ya ya ya, oh my perfect day ah,


honestly I wouldn't say that like , like how can a day be perfect right ya ya ya ya so like, there definitely is like uh happy moments like and sad moments throughout the whole day


ya ya ya so how about how about yourself how about yourself how would you describe it, so so you so you just want to do nothing lah


so uh have you ever thought about like, throughout your entire life, has there be any , uh your biggest blessing in disguise


ya, earlier on you mention like uh one of your travel experiences right ya so for myself


actually err I would say that one of the most memorable travel experience for me would be in, secondary three uh when I went to hong kong with uh, with the school like with friends ya so it was actually a student exchange programme and uh even actually even before the trip uh I


I didn't even plan that I was going even like like two or one month before the trip because, oh ya ya uh like uh, I didn't even know that there was such a trip lah actually honestly but but but actually uh one of the students that were going


uh backed out suddenly ya so there were actually like uh one available slot slot, then actually uh my friend like ours in the I was when it happened lah so my friend actually ask the teacher oh uh how about him like he can go right ya then uh I just confirm with my parents and then like I end I ended up going ah so it was like totally like a last minute thing for me


and I didn't expect anything and I just went with it at, and I totally had no regrets ah ya it was a very happy trip like uh cause, uh as I said earlier it was a student exchange programme so we actually went to the hong kong school there and the students in hong kong uh came to our school and we actually uh


uh get to learn get to learn about uh each other's culture and uh how we study in school and , what our differences, in a in a different country out of our comfort zone ya so actually uh in hong kong uh one of the most


err memorable things that happen is that we managed to go hong kong disneyland on one of the days , ya so it was uh very fun cause I've never been to a theme park actually uh even before that even before that ya so I get to ride on roller coasters everything it was very fun ya and the best part is the you get to uh spend the time there


with your friends ya so it's very fun for me, ya you get to play ya you know, ya and and and uh actually I get to eat a lot of uh, food there like


#dim sum# ya and like beef noodle all this ya so actually what are some of the comfort food that uh, always rely on that will , definitely cheer you up ya


#dim sum# (oo), (oo), so those are your those are your comfort food right, oh I see I see


birthday present ah, a birthday present, honestly I don't really receive a lot of birthday present oh oh, okay okay okay I I I remember one actually uh ya there was one like it's nothing


special but err I received like a shoe sorry, ya ya I I I received a shoe from like my group of friends like my clique ah like a group of friends in secondary school it was like nothing special but uh I've been eyeing that shoe for very long and like they like I totally have no idea that they were getting for me


and after I received it I was like very happy ah and then I went home, and then it turns out that, uh my family member got the same present for me ya, so I have two shoes so it so it was very funny lah ya and it was a pretty memorable for me ya so I got two shoes but at but eventually I give one away ah cause I have two shoes


so actually talking about volleyball right, have you have a time where, you got recognized or like you got appreciated for, the hard work that you have displayed on court and off court


like a random fan ah


I see I see, so actually, for for myself ya err, cause uh I've worked a lot of uh part time job and like one of it is uh actually like banquet work


so like you work so so like you work at hotels all these ya and like you serve as a waiter lah, so actually on one of the occasions uh as I was working as a waiter, uh, we have to like uh carry all the plates and everything and go like err to the back to put the plates and like when the event everything was over we had to like uh sort out the plates and everything and it was pretty dirty and like


a lot of people didn't like it ya because like, uh like the people working are all like, uh around my age or even older than me and when they look at the dishes they're like oh it's like , like pretty dirty oh I don't want to touch it you know like they are like screaming here and there and uh actually uh I'm quite close with the manager there so like uh I didn't really care about anything and I just


did what I had to do like clear clear all the plates using my bare hands and everything sort sort out everything because ah we're we're running out of time at that time and uh and I just did it ah ya and like without thinking anything, like uh like


not like now nowadays people like uh they don't really put in a lot of hard work when they're working so like it's pretty upsetting to see that a lot of err teenagers or youth these days are just like, living their life and like they don't care about like uh what


what they're supposed to do and everything and like after after the whole event uh the manager and everyone uh the manager actually like recognized my hard work and like she actually paid me extra, like apart from other people ya


and like even after the event cause uh at that time I did work as, uh ice uh like uh like a cafe selling ice cream ya cause they recruited people from there and like when I went back to the ice cream shop and then like I heard from the manager saying that oh the event manager like


err, like praise me ah ya so uh ya after that like it made me feel good about myself because, actually someone recognise me from my hard work at ya and it really made me , uh feel that I oh I'm doing the right thing ya and I should continue doing this and these actually uh impacted me and like change me in some way ya


yes correct ya and like I shouldn't uh and I shouldn't uh care about like what other people think and like should just, do what you feel ya and do what you believe is right and just do the best to your abilities


ya I think that's very important ya


part one financial related topic


so personally I have a saving account and it's mainly to like keep track of all my salaries and my allowance that I get , I I choose to put most of the


money inside the bank because I feel like it's a good way for me to like , keep track of what I'm spending and make sure that I won't like overuse it, yah so I will only take out a certain amount maybe less than fifty whenever I need uh cash ya


okay then uh personally I do have a debit card and it's mainly for my online shoppings because personally I don't really get allowance from my parents and yah so my daily expenses I will normally


pay for myself and for the debit card it's actually more, it's easier to manage lah in a sense compared to credit card because uh, it allows me to keep track uh keep track of my of my savings so that I won't like overspend it and a credit card maybe too dangerous for me personally because I like to spend a lot on online shopping and yah nicole is aware of it and uh


ya I think a debit card will be better for me instead of a credit card


ya I agree with that yah sometimes I forget to bring my wallet out or I'm just too lazy to bring I can use my phone to settle almost everything yah and personally I feel like I don't really care about the bank interest because it's only one or two percent unless I have like


a huge amount of saving like about over ten K in my bank then I I will consider about the interest otherwise it's not , it's not something that I care ah


, ya, and personally we we as students we don't really get loans from the bank if we need money we will just lend from our parents yah


uh, , yah


yah uh then I personally feel that couples should not combine their finance and open a joint account together because , even though in a sense that they are called couples but saving this kind of thing should still be done separately and uh woman should be like be in independent of their own savings lah yah


yeah agree, , and that might be a point to like cause fight between couples because , the the one that is contributing more might feel unfair that uh the other partner is using money without telling him or her and it might be quite troublesome in a sense that you have to keep asking each other about things that you want to purchase with money from that saving account yah


yeah but I guess if you have enough trust between each other it shouldn't be a problem and must make sure that both partner have a clear sense of uh the money flow


ya so I feel like because personally I got my first ATM card when I was sixteen I I applied it uh with I applied with a joint account with my mom and I feel like


it's it's , good in a sense that because at that age I was actually starting my own online business, and ya it makes my online business more easier as I no need to like meet up frequently to like get the money and I feel like


a ATM card is fine but a debit card or credit card might not be suitable because the child may might not have a sense of the money flow yah,


, ya ya


yeah agreed then nicole do you have any do you do have you considered applying for a credit card, will will you consider it in the future


cash, ya ya that's a point and personally I don't think I will apply credit card in my life because I have I have quite a bad sense of controlling money flow


a credit card might be not suitable for me yah so a debit card is good enough so that I'm able to spend within my own limit and make sure that I won't exceed if not once I exceed there's a lot of trouble coming in lah I would say yah


I have never purchased any insurance product from the bank because normally this kind of thing is handled by my parents and I think I will only do it when I'm more independent yeah when I'm start working maybe I will consider it


and personally I feel that if we were to purchase insurance , uh maybe I'm too young to think about it but I feel like uh health insurance will be a great a must and other insurance wise


I don't think uh I will consider it ya


ya then do you have like did your parents buy for you health insurance as well, yeah, because normally ya because normally it's parents who the one who buy for the whole family ya


, oh I see


, no I don't think so because my parents they are they don't really like the concept of investing because uh because my family is actually a huge uh family in the sense we have six people


and investing this kind of thing if you're talking about like stocks this kind of thing it might be too dangerous especially if one gets addicted into it and apparently just throw all your savings inside, ya that's too risky ah and once like even if you invest a suitable amount of money it might still be risky in the sense that if it drop your mood and emotions will get affected and ya it might not be that beneficial lah


uh sorry in in what during COVID


ah okay so I feel like during COVID I actually spend more in on like online shopping because I was really so bored at home and ya my savings went from three digit back to two digit


, ya and because during COVID I didn't get a chance to work so the money in my bank just keep on dropping and yah that's why I'm currently working right now, after COVID so that my savings can go back up ya if not I won't even have money for my daily expenses


ya but I actually during the COVID period or even now after the COVID period there's actually certain grants by the government which students like us can actually apply for it if you are doing part time job so for nicole I don't think you can apply right


ya because, because you're not working part time jobs ya but personally I can apply and even though the amount is not that big it's only like less than two hundred but yah it's actually uh help


to me lah , yah yah ya my family got it of course ya


oh ya ya ya ,


ya ya, but you all are PR what


oh oh, I see ah that that is a, that might be like a trouble ah


oh my god I've I have I already have the trouble of like controlling my money flow and I am pretty sure all of my friend is aware of that , so like okay recently like just few weeks ago I pick up this habit when I open another account it's called e saving account by the DBS so apparently they will deduct like you you can set a amount from fifty dollars to a thousand dollar


from the amount that you want to deduct from your from your master bank yah every month to your saving account so I set a limit of hundred dollar, so ya I hope that I won't touch the saving money so every month hundred hundred hundred hundred so maybe ya


I can that's a that might be a good way for me to spend also ah, , ya ya that's a cool function actually ya, but the bad thing is you still have the rights to actually like take out the money so it's up to your own uh what's that call ah your own


ya it depends on me ya


oh ,


I see I see, the ya I guess, having a saving account is not that bad right


part three negative experiences


greatest what, fear oh my god I fear of so many things man like okay in terms of physical things I'm afraid of insects, insects yah you you know like those cockroach all that yah in terms of emotions or what what do you call that yah I think it's called emotions I'm scared of losing I'm scared of being uh


being forget forgotten I'm scared of being abandoned yah did did I'm I'm really scared of a lot of things lah yah


yah same,


, and one more thing is that actually if you get a low GPA, I will okay no offence but I will say that people will not trust you anymore when it comes to group work and all they will they will choose to listen to the one who got a higher GPA and they will tend to like look down on you


yah that that's a miserable feeling I will say but yah that's how the society goes lah I would say if you if you never do good in anything people will just like, bash you down and they won't care about what you feel until you work your way back up


your effort, yah, yah so, oh my god can I just share this that so these days I've been I got this part time job of being a temperature screener outside the NTUC so you know NTUC okay no offence at all for this whole conversation but NTUC aunties right the as the cashier


some of them were really so mean but some of them were really nice so like, two days ago there was this auntie who scolded me just because , uh okay because my job is to make sure that no one enters from the exit like they have to go up to for the entrance yah because I was sitting at the back


so at the front the auntie was standing at the front and the man just ran in from the front the auntie stopped him because like she was so close to him I was ready to get up, but it was too late so the auntie actually scolded me like she just shout it out she was like !walao! why you sitting at there sia people run in also don't know sit there for what and I was like oh my god


yah then okay I listened to her I sit in the middle okay I sit in the middle place where I can look at both sides then the next day which is like yesterday, another auntie malay auntie yesterday was the day before was the chinese auntie then the malay auntie was like are you chinese when she asked


then I was like what does it even relate when where if I'm a chinese or not then I'm like yes then she is like you have been sitting in the middle and someone has been keep on like going in from this the back there the side there, then I explained to her I was like they went to the toilet and they informed me about it and some of them is just to like meet their family members at the cashier line to like help them out then she just ignore what I said and she shake her head


I was really like what oh my god I feel so accused I've never I've never felt so like like my emotion just went negative man I just went down at the moment then , there was this really nice auntie okay there was a lot lah actually they actually like comfort me and they said that


you know just ignore those aunties they are they are like that lah so yeah I they told me to like , ignore and just do what I'm doing


, I agree


I mean it can be about an appearance I would say, right


[orh]


, I agree I agree so personally I'm very very insecure about my looks yah especially my teeth yah oh my god I'm, okay I'm gonna do braces like very soon I guess like within within within this year lah I will say yah it's really like the biggest insecure I have in my whole life


yah I'm so scared that people will always judge me for my teeth that is looking like imperfect yah but I guess, I hope that after doing braces it can help me to gain back my confidence


oh


oh my god sad to hear that , yah I I think everyone like they will definitely feel like nobody cares about them for a period of time, but I guess it's up to you to say if you want to open it up to the ones to the closed ones that you are willing to share I mean


no one is perfect no one is god they can't really tell that if you are sad or anything yah it's up to you if you want to open up we can't say oh uh, why he or she never care about me like I'm so sad right now can't he or she tell but when the person come and ask you and you just like oh no I'm fine yah that's really okay lah I will say you deserve it in a sense it's if you don't want to open it up to people


, yah yah I agree with that that whenever I'm sad you also always like will drop me a text asking what happened yah that that's actually like very


heartwarming to me lah I will say I really appreciate that but I think personally according to my preference I would want to settle it on my own so I will tell you oh it's fine yah then I will just dissolve it on myself because if I actually get advice from people


it makes me over think even more and yah it's not that good to me lah , yah


so what do you often worry about, yeah


(B> yah yah yah


yah I agree especially if like you you have good GPA and you actually hold like leadership position in uh a CCA right and you're and you will be counted as the popular kid


yah and and everything you do people will just like one spread to ten ten spread to hundred and like really everyone will know like and whenever people say oh you know this nicole, oh yah yah the president of something something did this did that yah that's really like like people don't know the fact what happened and they just spread the rumours about you


yah and you and you can't even get a chance to like explain yourself to them, , yah


so describe the saddest scene you have ever witnessed okay I can't really recall anything but I remember the saddest one when I was actually on a bus on the way to meet my boyfriend


and oh my god that was really so scary I saw blood on the road yah and I was still thinking what happened there because I saw ambulance I saw a big trolley like stopped there and uh, motorcycle that is like on the floor then I was still wondering what happened and the bus just drove away then after that I went home I I went to meet my boyfriend and then on the way I was like googling what happened and they just the news just came out Grab food driver no no no it's the Grab food driver died


oh my god driver died when delivering food on the road and it was really the same place that I saw but I didn't get to see the you know yah I saw the blood oh my that was so scary


[orh] I see,


, yah really


that's really a sad thing yah, but there's still like heartwarming news coming up yah but really the bad news is just too too sad and yah


, you go first


oh was it the one before coco, ah, oh


oh yah yah, same I also have never gone through any lost in my life but I feel that if I were ever to like been through this in the future it will really be


more sad I will guess because you have more feelings already especially when you're so old and you can remember things clearly and if you if you have you if you were to lost your loved ones in the future that will really be something that you will never forget in your life unlike someone


who like uh lost their loved one at a very young age like they were like two or three they won't have a lot of memories and they will be like not like they will forget but it it won't just it won't be that heart touching to them lah


yah it can help you to like yah


part two two positive experiences,


personally I feel like being at home, it really like challenge my limit because I've never stay at home for such a long time because before COVID I tend to like leave my house almost everyday like yah at at least even if just for one hour I will still leave my house


yah so during COVID I guess it helped me to like, I get to do a lot of things lah I get to actually workout I get to keep it up of my studies and most importantly I get to spend more time with my family, yah I believe everyone agrees with that I I feel like spending time with family during these three month of lock down really helps us to like bond our feeling and bond our relationship sorry and help us to understand each other more and


I personally because my brothers I have two brother they have been complaining that I have not spend enough time with them, but with my boyfriend instead so, yah during COVID I spend more time with them I play with them almost everyday and yah I feel like we are more closer now in the sense yah


, [orh]


oh yah, yah I wouldn't want to go back to school


so moving on to travel experience I guess the most memorable travel experience I had was actually with my group of friends nickel and my uh four other friends when we went to cambodia together


yah it was really one because personally I rarely travel yah because my family has like tight expenses so, we will only travel to back to our hometown in china like once every year if we can yah so I rarely travel to other countries so the one to cambodia was really a great experience to me yah


yah ,


!wow!,


yah, yah it's it's very dangerous and you are not uh you must be responsible of yourself and your closed ones yah you should not put others into risk just for your own happiness yah


nothing okay okay I okay I personally I like my


okay I will say the the joy that I bring to people, yah like yah so if the friends around me feels down or sad I will try my best to make them happy right and and they will and if I'm sad they will make me happy too in the in in the return lah yah


describe a time when you got appreciated for your hard work so personally I feel that


only recently after I went to poly then I start to like I feel got I feel like I got appreciated by my hard word that I put it into my study like back in secondary school days because I know that I didn't put in a lot of effort during one to two


and it was actually too late when I try to buck up back in sec three and sec four like I still remember no matter how hard I study when the exam paper come out it's still so different from what I've studied, and my grade is still the same and I really feel like all my effort is like wasted and even though I've really put in a lot of effort into my english I still only get a C six for my O level


, oh well, yah but after I went to poly right I I tried to buck up from there start so that my my foundation is there and every time when I receive my GPA result it's really like a blessing


to me ah I would say yah it really encourages me and every time I receive the emails stating that oh you are invited to sign up for this scholarship I'll be like oh my god I'm so blessed yah


that's normal, ,


oh my god,


yah,


yah, yah I agree I agree


yah yah that's like it signifies it signifies your effort lah that you put in


yah and and I hope to keep it up forever in my life , I will guess it's bubble tea yah


oh my god you know after COVID because during COVID right my parents they don't like me to order like Grab food and foodpanda because like it's dangerous to them you get what I mean yah so I get to I get to go out after COVID and


I I almost drank one bubble tea everyday for that one week yah yah then after that I was a bit tired of it so I drink like uh maybe twice a week or something yah


I cannot relate , oh my god


okay lah but at least at least you have a food to keep you happy, why just get it it's so nearby ,


okay sure yeah


, okay because when I was a kid uh, okay how how should I say this , because when I was a kid I I I was born in china and raised up in china so I only


come to singapore when I was eight and before the age of eight I was raised up by my grandparents so my parents rarely come back and visit me and every time they come back I will just like run away from them because I feel like they are stranger to me in a sense, yah so now then after eight when I move over to my parents I was still really not that close to them and


and yah but after this year's when I was more mature and I grow up uh I interact more with my parents and I I feel like, my mum is really a good person for me to share all my troubles with she's not that kind of typical strict asian mum


sometimes lah yah so yah feel like that's something I I hate as a kid and love as an adult now


uh what I,


yah six month


oh my god, I I still cannot relate because I still hate vegetable now but I'm trying to eat more of it and maybe one day I will appreciate it's this is


what's that called it's uh okay I I will appreciate the vegetable itself lah yah hopefully one day yah so nicole who do you who in your life do you look up to the most and why


oh my god, I feel like three kid is not a big deal because personally my family my mom also have three kid but three kids of the same age that's challenging yah uh because for me my family uh we all have an age gap of


eight and twelve I think yah eight and twelve so yeah my it's not a problem to my mum ah like and my my grandparents actually help out to take care also yah so I'm really amazed by your mum leh she's just too amazing


oh my god, man, okay so what your birthday present and why best birthday present yah


yah it's yah, oh my god


you wanted to have one this year right, yah cause it's eighteen yah, but COVID yah, I I look forward to our next year one remember to invite me


, okay one last thing to go , what are you thankful for mine, best birthday present ah


okay personally I don't really celebrate birthday with friends, yah I I've been celebrating my birthday with, my parents over the past eighteen years and yah it's also something good to be because I have my family's around me every year for my birthday and I might


I might not get to celebrate with them for my future birthday because I will most likely be busy working and, and to to me birthday is not that important because I still remember that when I was sixteen and seventeen I actually celebrated my birthday working at a hotel


yah so but the good thing is the managers actually sing like the happy birthday song to me yah that's something good also I guess yah


part one financial related topic


as for me I actually also have a saving account but I think I have two, one saving account is basically for, you know all the like #ang pows# I receive from chinese new year and stuff so it's like a larger sum of money, and that's the part where my


parents don't actually allow me to touch my money at all and the second one is basically just my own, and that one, I actually prefer you know I'm complete opposite of Jian-Ning I prefer to you know withdraw cash so I can actually keep track of my savings better because if I put my money in my saving account I tend to spend it more ya


ya for me I do not have a credit card but I have a debit card, card and yah my card's like from POSB so, for me exactly the same as Jian-Ning you know I tend to especially when I'm out


now that there's payWave and everything you know we just to tap and tap when when you want to buy something so that's why it's harder for us to, save our money especially when temptations are all around us you know so ya for me I think but I think


having a debit card is really very convenient especially when today's society is all cashless , and ya sometimes when I don't bring my , uh wallet around or my cash on I can just use my phone even for apple pay so yeah it's really very very useful


actually I don't think the interest rates affect, me so much probably like my parents then ya it'll affect them more because you know we understand that, when interest rate like goes up right the cost of borrowing becomes more expensive so that's probably why interest rates matter so much to especially adults


and ya so, when interest rates fall or when it's lower than it's probably more attractive it becomes easier to borrow money from the bank and, uh many companies you know will issue new bonds to finance expansion and stuff


so ya I think interest rates will not really affect us, too much but maybe our parents ya, ya


but unless like maybe overseas you know some students actually take student loan, like to study and stuff ya and that's when they, they will pay back in the sense when they start working, ya but I think that's not applicable to us because singapore is pretty okay ya


uh well for me I think there are like two views I mean there are like both positive and negative, so like , if couples really want to have a joint account obviously the good part that it's convenient whereby you know it's like a lot easier for them to monitor like what's going in and what's going out together


also allows like saving on fees, where joint accounts well sometimes they also have like penalties and fines but , most of them like the minimum balance, required to maintain order is like waived


fees and stuff like that, whereby the cons, , how does I say like potential potential money spats in the sense like if all their money comes from like one pot then they might they might need to like discuss with one another you know to like which item they buy and stuff like that


uh ya they need to talk with, with each other on how to handle purchases and stuff


, ya I think it all comes down to how they're going to handle the situation if anything arise ya


okay well Jian-Ning that's quite impressive online business at sixteen but yah for me same as Jian-Ning I also got my first ATM card when I was sixteen it was I still remember it was like the red DBS card ya


and that's when we can only use NETS, not like payWave or visa or whatever, and ya but I feel like sixteen is the right age as somehow that's a legal not very legal but like, it's the right age to already start being independent so like parents can already you know start training their kids to maintain their their own financial spending maintain their own savings and yah I feel like it's a good start


it's always good to start, at a younger age then you know when you reach eighteen and when everyone around you are already adults and you're still lost, so ya I feel like sixteen is a good age to get an ATM card


ya, no I have yet to consider, getting a credit card yet


well probably yes but like what I heard is that we shouldn't get like too many credit cards in a sense because it can get very complicated i even have a teacher you know in back in indonesia where he doesn't have any credit card at all so he pays everything with cash


there was one ya with cash which is actually quite impressive because he doesn't want to handle all those complicated credit card stuff with the bank so ya


, okay


uh yeah mine's like like same as you I've also never, in fact you know I've never really actually engaged with a bank before the only time the only time I went to the bank was to actually uh apply for my debit card and my


ya ATM card with my mom when we had a joint like when we had to do a joint account thing but, honestly talking about , uh talking about finance or whatever in the bank it's like, I've never done it before so no I've never really bought any insurance stuff maybe my parents did


ya,


I agree like I think health insurance is so important for my family, especially you know my grandma who has just reached like eighty apparently like there there's an okay there is an age limit to how much can buy there's an age limit


uh for health insurance but so like my mum sorry my grandma almost reached the age but then she quickly bought one health insurance for herself then she quickly went for like her knee surgery and stuff so she doesn't have to pay like


hefty you know the full price for the surgery so insurance can cover for her, ya but I'm pretty sure there are a lot more types of insurance not just health in you know includes like I don't know like car insurance and stuff like that


all those stuff ya, for health uh yes, of course we do especially at this time


yeah correct, , okay, , purchasing investment products from banks,


again I think we are like we're kind of too young we're like too young to you know purchase all these investment products but, I know that my family they I think they did purchase some unit trust


I tried I sometimes I do ask them about it like what is it really about but, it's so I don't know I think it it sounds really complicated you know it's just like, it's like something like I don't know whether it's something like shares


but yeah I know that they do have some unit some shares in like unit trust, yeah, does your family have like any, purchase do they purchase any investment products


oh okay so like , Jian-Ning so how do you like manage your spending or saving habits, like in a, post COVID world


like maybe after COVID like


okay like I feel like, I'm like you but I I didn't uh during like quarantine and stuff I didn't spend on online shopping, but in fact like, okay I spend my time like exercising at home and all but, my money all goes to like foodpanda or something like I really did spend so much money on food delivery but you know as time pass by I'm like oh my gosh I should stop this and you know I actually tried to cook


like I learnt how to cook at home and all then uh yeah with my siblings, , ya so basically my finance management during COVID wasn't so good I would say, ya especially of course like


we couldn't find any jobs or anything you know, so we were all stuck at home spending our money yeah


did your family get the like I understand the government gave like three hundred dollars to like family your your family got it, yeah, of course my you know we couldn't get it because, none of my family members here in singapore are singaporeans so like unlike like unless like my cousins you know because


because their mom is a singaporean but their dad is an indonesian but because their mom is a singaporean you know there's one singaporean person they could get the three hundred dollars, but for my family we couldn't because, my mom is an indonesian my siblings are indonesian my grandparents are indonesian in this house so like none of us could get anything


ya PRs apparently we can't get it too, so Jian-Ning you spend so much on online shopping so like do you have any habit of like saving or like how do you ensure you meet your saving goals


oh that's so interesting I didn't even know about that, from DBS, oh okay


it depends on you on whether you wanna ya, okay oh I didn't know okay for me like , actually I don't really spend so much money myself but if I when I do it's that, when I go out with my friends especially with to eat or something you know


my friends would love they love going to like cafes or they love going to nice places so like that's that's when I will actually splurge my money but, the weird thing is I wouldn't really splurge on like you know ladies love to buy makeup or like clothes and all yeah that's really not me but


uh how I ensure to meet my saving goals is just that I will, really keep to me I don't really do anything much actually I don't use an app I don't use anything but I would actually remember of like what I spend, yeah but


ya so I don't really use anything much but it's just some it's just memory work I guess, and now that it's like COVID, I go out less as well so I don't really spend so much unless I actually you know meet friends to catch up or go with my siblings or my cousins then yah I will actually spend on mostly on food


yeah


part three negative experiences, okay, Jian-Ning let's start with something really simple, what is your greatest fear


fear


okay for me like like you like you know the physical things my number one fear will never change and it is cockroaches , cockroaches are really the worst thing that oh my gosh I don't know that's still my number one fear, but when it comes to like something deeper I would say


I know people always say you know do not be afraid of, failing or whatever but, I think in secondary school right I got so used to failing my subjects and all that I will so numb to it but now when it comes to poly well my number one fear in poly is actually to fail or to actually not do well


it is quite scary because I actually hold a leadership position like you right we hold leader leadership positions in our CCAs and the fact that , the whole course teachers uh knows me because of holdings


uh this leadership position right like I have to live up to that expectations of doing well but I know that, I mean I know that the teachers don't expect me to of course get a four point oh GPA throughout the three years but, it's just that feeling that


in you you know you feel like you really have to do well to, live up to expectations and see that , people like juniors can actually follow your footstep and stuff like that so yah that's my fear


totally understand especially when you know when people already have that fixed mindset about you that oh my gosh you're not you're the type who doesn't who don't do well even though you know you've already buck up and improve and all, they they still won't see


they still won't see it yah there will still perceive you as that person who doesn't do well which is quite scary, so I completely agree with you


I think they see you because like you are relatively young you know and they feel that because of the the age gap you know they feel more superior in the sense, but yah I think ultimately there's nothing we can do but to show respect