uh as an, elderly I mean government really, uh I really was I mean really happy lah that you know government really help us, on this ah and with this money that we receive ya I can uh save more


I mean uh uh I ya


yes, yes true ya


you do go out to okay,


financial independence, oh how I wish I could be retired early


, ya , , uh to retire early correct


yes unless you already born rich ah so you can retire early , yes yes


, uh what what do you think


(mmhmm) okay okay,


okay, uh okay you see the difference when uh it was like (ugh) twelve fifteen years back when I used, to work and I only bring home about after deducting CPF everything were like one


one thousand one but I still managed to you know, , with four kids you know, yes true yes very very true


yes my time during my time is like was only twenty cents , correct


ya


yes , yes


, ya


true very very true , adult also can retire early ya okay whatever is, uh


to get him the, they think none of us have no debt, right now no, everyone everyone will have debt maybe not personal debt but uh with you know


uh with the the yes all the all debts so the only thing that I advise maybe I can is, just to really must you must know how to really you know spend your money, and and as in like manage your financial lah that's the very very important thing then only


ya so you you you have to know what is want and what is needs that ya, maybe if uh correct from there, won't even know when to not put yourself into more


debts okay what do you think , I know for sure all now youngsters will already like have a a stable job


and who earn more than uh, maybe two-point-five two-point-six K they will sure want to, have a credit card right, yes it's true


maybe, so thought like misusing it lah


(mmhmm) , ya


there's the pros and cons ah , having a credit card cause ya for now I I I heard, heard that you know if you owned a car and and you want to, renew your your insurance you you you can use that credit card yes interest-free right


uh, uh so basically, yes true so like I said lah earlier it it there's a pros and, cons in having a credit card lah uh so if basically it uh depends on the individual lah how to use it


, okay what everyone so to give to someone in order to retire comfortably how do you retire comfortably


yes, (mmhmm)


okay what is that what if the business (ugh) you know ya , but you will not get back your your money you will not get it back


that that the amount that you invest, -ed, okay that uh if you are to invest in something then


how about the insurance that you know if you were to buy for yourself wouldn't it much be much better, I mean, like I said like if you going to buy the uh, uh so called life insurance or anything and then ya


ya some some ya okay


ya (mmhmm)


then, part three negative experiences


, I would save, the time when I really felt trapped and helpless was when with divorce thing lah uh I I was really down at the point of time and I'm really


do not know how to begin how where do I go with four, children under my custody you know, but then but then again, it it uh


uh it really make me think ah I I I couldn't beat down like this I have to do something I have to woke up I have to really be strong to, make myself out there cause


during that time you know you guys were all still small, especially you and your, other sister your your younger sister, I was was really helpless but then luckily I have a, really


ya I have really and also I have a really good friend, who really you know give me encouragement a lot of encouragement, and advises how to go about ya that's that's the time lah


for yourself, there need ya


(mmhmm), (mmhmm)


(mmhmm),


, okay, so are there any like hurtful words that someone said to you


that you wish to forget,


for myself maybe the the really hurtful words I will not then I will not says there's someone a few people you know who really really, said that words out loud to me and it was really hurtful


we shall really really want to forget about it but you know, it you will not be able to, forget about it when during that time when when I was a just uh uh out I mean just divorce and then uh bringing all my own kids and


staying with a guy friend you know so called this uh male friend of mine uh letting me staying at his place, you know but people's perception a bit you know


they look at me as in like and and they even said it out, told me that I'm so called like sorry to say the word is I I don't think someone want to say that word but, it makes uh me feel like you know I I'm


not a competent mother I I'm not really a good mother to bring up, you know my four girls, that what's really really hurts me a lot, and even, till now I can still sometimes


it's not that I cannot uh uh uh uh I, I'm trying to you know forget it, trying not to but it comes when, uh situation whereby if we see that uh uh situation coming as in like, uh uh like what I felt before so it like bringing back it


to my life oh ya, ya that's the thing but it it it's not easy it's not easy to really forget about it lah, because it really hurt really really hurt deep inside you know


uh, and it's not that we I want it to be that way it's not that I'm asking for that devils but it just happened but then, people mindset lah we we we we we cannot change them ya


so do you have any hurtful words that people


, ya can understand that useless as in, what we


that is why I I I've feel like with with people, want to say that, to you, prove to yourself, uh I I I don't, think so you'll have to prove to them lah you have to prove to ours and


we are not like that correct, , , saddest, scene ya okay


, for real-life scene uh uh I'll I will say that, uh when they turn, my my late father pass out, ya that will be the saddest and (ugh)


the one that I will I I will never forget , I were not as <P2>bin hao</P2> lah but it's just the scene that ya we shall live it's , ya it is it's really it it can make me cry actually I I rather not talk about it


okay I get what you mean , okay


I will start first, there's a lot of times when I feel that, nothing I do is good enough with when with my children especially


and I will say, and let me honest here especially when you, do not, I also got listen to, what, my advice and and and


from there I will feel like, what they have have I taught you have I not taught you enough you know and, it feels like am I, doing the right thing am I you know a good mother to you but


why and what why are you when when during that time when you were what's it called, a uh havoc lah but right now I would not say that right now I would I'm very proud of you, I would say that you really prove yourself you know you prove to yourself that you are not


what I think you are so but, uh during that time when when there's uh the time when you will, not how do I say you do negative thing ya that ya that is when I feel like


have I have done am am I not good enough ya, (mmhmm) , yes I understand for yourself, what do you think


is there any time that you feel like death


(mmhmm) (mmhmm)


, (hmm) but, (mmhmm)


okay I won't want to question you this why you, uh got misunderstood


isn't uh, correct, so so you, that's where I think that is where you are wrong because we know that action speaks louder than words so


so, for me if you will want to be understood wouldn't it better for you to you know have a communication uh wouldn't that, be it


ya, it's okay I mean it's true it's okay for you not to have expectation but if you going to keep it to yourself, you know not to uh as in like not talk it out especially to your close [ones]


definitely with your actions you will be uh it it you will, you know people will misunderstand you that is why it it is matter to, just have a it it doesn't matter lah if you people will not understand you or


what but at least you get it out, you get it out from your chest so uh after, whatever happens with your actions or what, that other person, we want to reflect again and think oh


this is what maybe this is why why he did that rather than you not, uh talk it out about it, I, think it will get more complicated and you, will uh especially to your close [ones] they will feel like


you know they are not important, that is what I think lah ya it it you should talk it out you mean ya, (mmhmm)


okay okay now uh (ugh), talking as a mother and a daughter I've known


you like for twenty three years old already you just, one day ago you already celebrated your twenty-third birthday so, will you want to tell me right now that I will I I do not do not understand you


, so this is why for myself I mean, , sorry not ready


okay lah uh I I can I can ya, maybe because of the millennial right, now lah kids nowadays is, really difficult to get them to open up and talk to their parents I can understand that it's okay I I will try to follow the flow but at


times I think you need to, open up and you know talk it out to me, ya, okay there's a time, you know where you, describe a time where you feel that nobody cares about you


I know you always feel like that you feel that nobody cares for you , , then


I I I get what, I get what you mean I know how you feel because I felt too, I felt too ya, that's time, when you know I I've felt that nobody cares about me, even my own children but then again


life has to go on yes I know I I sometimes I do overthink, and ya, ya it it it it's in the genes I guess (mmhmm)


but but we managed to get it over right ya I know uh ya I know we're strong, (mmhmm) uh, uh what do you often, worry about do you have worries right now


you know okay I'll tell you what I worry right now I uh, for for you I worry, when are you going to get married that's all


ya, okay that that, I am not worried


the only thing is like uh for me right now uh ya as a mother I will want to see my daughter enough, to have child and you know to get married and to have child, and same like both your siblings I mean your sisters ya for myself right now what I'm


I would not say worry lah uh when it comes it will come, but, ya I really pray hard that you know you already like there, now I was so called there as in like you already a job I mean a stable job, and I know you you you you think for the future also but maybe it's you know just not the time right uh yet for you but keep on looking


ya okay, , okay, okay


okay


(uh huh), positive part two positive experience


okay so the next discussion, uh describe a moment when things turned out, ya I know when things turn out better than expected


what shall we discuss about, things, that turned out better, okay


okay, yes ya I remember you asking me ya


(mmhmm)


okay, (mmhmm)


ya ah, because the (ugh), you know uh who the before I uh proceed to my moment okay the thing is when you were talking about that ITE thing ya ya I heard because a lot of parents when


when they heard that you know the child is going to ITE instead of you know, are moving forward to, maybe poly err, yes correct ya they will have this negative you know thinking that they will not turn out ya


when when, I mean they will not turn out to be better uh if they are going to go to ITE but you know you you you prove them wrong you see, after right after you you uh get the experience in ITE and then


you move on, to, poly that that's uh correct that's already better than expected, ya correct, and look at you now okay for myself


for myself maybe the things that I, it feel it really turn out better than expected when whereby, you know err uh as a single parent looking after all four, my children and then afterwards


I can see that you know it really uh four of them, are really really uh expect a think life, ya that's already to me that's the moment that I can say


ya whatever it it it really turns out better than my expectation lah, (mmhmm), yes correct it was really hard you know as a single parent raising four but


each of all of you really, prove me proved to me that uh eh you can really excel in life lah, yeah


okay what is the nicest thing someone has, , for myself I will say that, when, my best friend told me that


!hey! you did it you single-handedly you know raised your four children and look at them four of them now they they really, you know I I really very proud of you guys lah I mean all, four of you ya


that really made my day and and I will say that really made me uh uh if I can cry I will cry already , how about you


, (hmm)


yes, ya, ya


<P2>minah</P2> vape , hello, okay that's good okay, my


happiest the the most happiest lah uh moment in my life I will say when uh, uh ya, Kakak lah with uh the eldest uh, uh


I mean okay lah easily easy to say when, I have have a grandchild , , yes that uh will be my uh uh


you know uh from being a mother of four, to being uh yes to be to be uh being a grandmother that was uh really something it is, I mean I would not say that I do not love all my four children but, the the feeling slightly


different ah when you when you do have a grandchild, ya , yes , precisely , and then when you've been been like ten years already she's grown big and look at her now


how well she is doing uh, so (ugh) that happy moment will really drag you know, till now yes uh what about you


, oh ya okay yes ya


yes it if you break down a lot , ya (uh huh) true and I'm really very proud of it


(mmhmm) (uh huh) (mmhmm) (mmhmm)


, , okay , ya


so must uh really think about that already lah a marriage , correct okay uh like


, for myself I will say my, most memorable travel to a place uh would be to korea lah


that's the furthest ya that's the furthest I've been to, uh, and and, cause I I really love to see the snow and touch the snow you know uh how it feels like uh ya


, so that is the most, , for me uh that that will be the most memorable [loh] ya, correct how about you


ya because you travel a lot also,


okay


ya the sky and the sea right , , , you have a


I know I know I understand yes , (mmhmm)


if only you are not in a plane but you yourself will be flying lah , yes yes ya


oh ya add to add on uh I can still remember the, uh I think it was like twenty or twenty-five years back when I did the parachuting thing, parasailing thing ya when you are (ugh) really up there yes it was ya the experience correct


yes it's really amazing (mmhmm), true yes, part okay


(hmm), what do you say probably month of uh , okay what is it


(mmhmm)


ya ya, I know you because you can have that like suck-up face lah but actually you can be very friendly and you can really understand people and when you tease there's uh something like educational in there it's not like really uh exactly


hurting others feelings but you take people's uh heart into your heart as in like you you you try to, understand them ya oh because of, for myself maybe the really unique compliment I've ever received


will be I mean not only one person but a lot of person will tell me that you know I have did like I said earlier I love, arts and, you know uh even though I don't really get to uh really uh, learn as in like go classes for that particular


uh craft, or uh something like that I can like have I will say talent lah when I look at that thing and I try it on I can really manage to do it


you know uh that's ya, maybe it's just the talent gifted ah , , , okay what are you thankful for


, sibling yes and I'm really also thankful that you know we have, that close bond at


me with my children as in like four of you lah uh and you guys really understand my needs, you know (uh huh) ya (uh huh) , and I'm really thankful that you guys really ya grown up really good


ya , you what did you used to hate as a kid but now love as an adult because you an adult now (hmm)


okay , eh you you need to have vegetables remember your tummy uh ya


broccoli have a broccoli , , okay I'll put


the purple thing, with john lah, ya is it art, eggplant ,


I think I love mike, uh during my time when I was a kid I really love it and there's nothing to hate about ya , uh there's nothing


actually as a kid lah that I can remember of to hate, but, as an adult right now I love everything lah I mean I I I love I love to see, as in like, uh we as a family lah


ya, that's really what I love as, four lah, , uh, it was served as long due present, ya


why, okay


bought myself a best birthday present I think all the presents that I received from you guys are best, oh ya, there's nothing to there's nothing to complain about , correct


okay, , for myself, maybe ya a blessing, what I can feel is that when we


me to me and your dad you know we we went to that separation when he threw that divorce uh it is actually a blessing in disguise for me ya to to make me more uh independence


and to make me to be, oh ya and to be more stronger, as in a person to cause I know my (ppc) I know my responsibility as a mother, ya


that's it ya , yes, correct yourself, what about yourself


okay ,


we changed your mindset lah actually, , ya


yes (mmhmm) correct


(mm) yes true, (mmhmm)


!huh!, what sentence part one, part one finance


, , [orh] okay, donna


no lah I'm want to ask you mah what kind of do you have any like experience in investments, ya


[orh] insurance,


[orh], then the other investment things eh like uh bonds stock forex even cryptocurrency


[orh] so you are the kind who save one ah [orh]


then, three percent per annum


[orh] no wonder safe player ah


uh [orh], I uh uh I I I I now I can't really remember the the term but I but I understand


, three percent per annum mine here


me ah last time got try to do invest in the stocks but it was, it's a demo account it's not really actually involve the real money mah then it's one of the modules that I learned in poly


so back then I was investing in uh trying to invest in, what is that call ah ST engineering, or something ya ya ya ya because at that period of time I, I can't really remember which year was it but it's quite apparently like all the military thingy was quite uh a thing ah that's why I invest in that one pretty good at first all the demo account earn a lot of money then I see ah maybe I'm quite good ya suddenly I


I really can't remember which year but the china market crash ya it's like before I submit my portfolio everything right everything become negative, ya , but after that no never that one is a demo account mah because is the beginning part when you start to learn then after that


ya then after that my friend was like doing the cryptocurrency, they they they ask me to go and buy the what electroneum, ethereum electroneum they they they come up with a lot of like cryptocurrency to buy for the bitcoin everything


then that one a bit too how to say ah like roller coaster for me I cannot ah they , I no it's not say uh uh uh I shouldn't say risky ah is the the the !wah! the change is too too dramatic already ah


too drastic already eh my friend like first first day ah can earn about twenty k already right second day lost fourty k ah, ya and like very fast can make you earn a lot but also can make you lose a lot, uh no last time they got uh three different way if I'm not wrong first one is your ownself do the mining one


then second one is you buy different cryptocurrency to go and like buy and sell buy and sell the third one I can't really remember already but usually my group of friends what they do is always the, the the the the buy and sell or create a new


uh uh new cryptocurrency out, then they is still quite it like quite into about it until like all the rules and regulation, come out then last year if I'm not wrong they also want to like, start this again they say like eh last year they still like looking into cryptocurrency mah because this one can earn quite a lot of money


then last year got news say facebook going to release cryptocurrency, you know you know or not by right is this year ya by right lah but things never turn out very well ya, this year a lot of a lot of a lot of weird things happened ah


err you eh, still got, to


okay err, the recording it stops at six minute twenty second ya


I don't know eh like uh just now I see suddenly like eh it stopped already, but there's no there's nothing, ya can see


okay I press ya six minute twenty second just now I saw so now it's like this ya that's


ah yes twenty three minute thirty five second yes, ah okay okay ya then eh forex also have


I personally never try but my friend did uh my friend did it then, he got invest in the forex for earn quite a lot but he got his own formula or strategy ah then he never share with me


ya he


I don't know how he come up with the formula is like he will, every time adjust one so like sometime he can earn quite a lot but sometime he lose quite a lot also interesting, , uh


I think casino better leh, , uh cannot


ya true then you got consider or not to like invest in stocks


!huh! only saving ah you don't want to try other product like that where got enough bro


but okay mah I like last time I see my working colleague I mean intern colleague and other working colleague ah they all got, invest in something one eh like some in REITs lah some in bonds


that kind of things then stock market not really lah because that one need to pay a lot of attention if you don't know then you are losing eh you are just wasting your money and time [orh]


eh, but if you see uh but if it's good time right then you can earn all the money what the moment you check your phone it's all positive value leh,


lose all the money, !wow!


I I find it quite interesting but it's just that right now, not really a good time


like my friend ah actually sold a stock was thinking of like invest in ah , no is because you see ah this year the COVID right is quite bad, the market like unstable then go down all the way like a roller coaster like that


but then right uh my friend and I, we both saw this stock so is something relevant to gold one ah, first time when we saw right that's like, uh first time we across this stock it's, uh when was it ah


a few uh two to three months back yeah uh per, per stock is only per stock was thirty cent, ya I mean gold mah it's also not bad what right then slowly slowly right, it'll drop to eighteen cent or sixteen cent


then now come back to thirty plus cents again !wah!, now I regret ya if last time straightaway put in money , now times two already eh , but it's a, ah, [orh] eh it's good mah


because the other one is how to say ah like !aiyo! , they got a lot of ways ah my friend study like fund management so she's in, involved in like uh like investment side ah !wah! got a lot of ways to play then, she tried to explain to me I think my brain cannot absorb that that that that amount of knowledge


but [orh] well I feel like it's still not so bad yeah, eh maybe we can invest in something, you want ah, I mean try mah, it's like what is that they say ah, the the is like uh gamble mah #you mai# toto #you zhong# mah


aim, singapore pool ah


singapore pool ah , , you give regular money every month you give like ten dollar you might get the return might be quite high you know , where got [orh] you see ah you go and find those kind of investment things right like we were talking about like bonds or like fix uh the fixed saving account all the things right


per annum give you like what a few percent three percent ah let's say like three percent ah okay, ah three percent then you need to put in how much money ah that account is a fixed deposit one right, twenty k, twenty k of three percent that's


uh twenty k that's like six hundred, six hundred leh, ya bro six hundred leh that's your one year's return eh if you go , singapore pool play bet on soccer right the return is higher than that


, I mean like you just buy the in simple one mah, as my friend he buy like what ten dollar I I so far I every time I see he will he's earning money ya


he always bet on soccer ya ten dollar right, I don't know what he choose probably his return is about three hundred uh he can win at least three hundred or four hundred bucks eh, no leh


eh, you a bit , you're a bit like fierce eh , eh soccer don't have okay his formula is whichever team that he like he will just go and bet for it okay


, [orh] well


I told him right this is his investment tool already ah, I like so far right I mean I don't don't say like toto four d that kind of things ah you just talk about soccers right I've seen too, person in my life right they earn shit tons a month they earn a lot of money from


betting on soccer is his full time job whatever that he's, doing during the weekdays right that is his part time job just to get uh just get paid


to go and pay for his meal eh he play on soccer he go and buy a, he can buy a penthouse eh, ya I'm serious then he say like !aiya!, #bu yao# uh don't buy those kind of like bonds lah, every year give you a few percent where got save one you go and bet on soccer ten dollar put in you come out three hundred plus dollar leh thirty times thirty times return sia


ya, you see it's a good thing you see I mean like this one you no need to put so much mah eh you see you buy shares all, this kind of things right you buy in one apple stock thirty cent !wah! tesla I see oh my god


, , but if you hold you keep on lose how but if you keep on lose how ya


no in stock in share


I see I see


, how about you tell me your opinion first , , another set


nah, why, if it's a million dollar right I'm straight away going to


put it in for a real estate already, I mean okay lah not not not not say bad things like talking about like avoid tax or whatever ah but, I mean with that it can reduce on tax, eh you can earn the income then


no no need to pay for the income tax all the things eh real estate is a good investment, my my my favourite that's why I study that, eh you see if you suddenly uh get money right, okay lah one million a bit too little ah cannot buy some house maybe buy a nine hundred one but if let's say you got a five million !wah! steady I tell you


, no buy two unit enough already rent out , collect the rent pay for your uh pay for your loans steady already but I'm not interested in buying cars ya


[orh] so if I give eh I give you five million you will buy what, !wah!


ah nah not going to buy car, not going to buy car it's straightaway uh uh depreciate all the way already lah , all ah going to enjoy I I mean like take out some money to go and spend the rest right !wah! I just wait to collect my rent can already then you got plan for your retirement or not


!huh! your saving account is your retirement account, [orh] no wonder


looking at uh I'm looking at one of the, [orh] so ya because like


I mean just depends on CPF, not enough lah at least you must do something else mah cannot, ya so that's why I like I saw the plan is pretty good put inside uh your amount on their premium already right they straightaway top up hundred and sixty, eight percent which is quite good uh but it just that now this period need to wait first lah


I I will wait to after like, everything stable a bit because that one if I'm not wrong right it's like you buy the plan already then they give you the hundred and sixty eight percent blah blah blah then you can choose three investments uh three company or investments to


for you to go and put your money there what's the return and everything is pretty good but I haven't got into details yet


!wah!, really meh, I thought increasing eh loan drop a lot leh, working capital loans right last time three point seven five percent leh capped by three hundred k now six hundred k one point eight five percent eh


three ya


uh ya okay, part three negative experience, so this one who want to start first


(ppc) I start first ah okay lah this one how should I say leh, like okay ah last time after like a commission posted to the BMT right then I take the I become a commander mah then under me actually there's forty two troopers


so like at first I thought it will be I mean like okay lah should be quite interesting something new never try before mah, to lead a forty member forty two mens per tonne then you will see here all kinds of people, then is like !wah! the most


uh how would I say leh the, not so good thing right it's like I I, I ever experienced right it's like, two of my men right, within one week ah all tried to commit suicide ah ya so like first one his uh his whole family


whole situation everything about him I wouldn't say it's a very good thing lah it's like uh he been to prison before he inside for two years that kind then after that actually he also have a


IMH record ya then but uh, yes by right is like that but based on (ppc), based on the system that I receive right, the records that I received there's no such record it's like after after a few days right after like they just


uh end this, then a few days later then he suddenly come and talk to me then he say lah [orh] sir like uh, I want to tell you actually, uh, I got IMH record, then I'm like !huh!, how come uh uh I uh mean like you you serious ah because based on my record right I don't see anything relevant to this whatever that you say right now and he's like ya because uh last time is I told the doctor or what or something along the line ah


then he never uh he also never like inform the medical officer or whoever that is during the the medical screening that one ya, so he don't have records lah and uh he told me he say like [orh]


he felt he felt that when he's in army right, he feel he feel like he's in prison, uh very restricted no freedom because he say like in prison also like that but the only difference is in prison right


they already lock inside, if they want to fight if got something that happened that unhappy right or not the way that they want right they can just fight at most like go to those like isolation cells or anything then or extend sentence or like, I I'm not very sure about this but basically he told me right he feel that he felt that he's in prison right now instead of army then like


then I ask him lah then what do you want to do ah uh what do you want me to what what kind of action you uh you prefer me to like do on you like or you got any recommendation, then he say uh I want to try first so I don't want people to see me differently see me as like a


crazy person uh or psychopath that kind of thing he say he want to try to to to to behave like a normal person then I like, okay lor then if like that then I respect your decision ah so you can just uh carry on with


current the training the army lifestyle uh if you feel that if you felt that it's something that really make you very uncomfortable already then you let me know ah or any commanders know so we can faster like get help whether from the medical officer or the so called counsellor to advise you mah then


eh about two weeks later right, uh okay lah one month later lah, then he say that he cannot already he feel really very uh uh, how should how should I say ah suffocate suffocated


then he want to go and see uh his own psychiatrist or anything ah then I said okay but because BMT we also have rules it's not like you want to go there I can let you go you must like wait you must like ya you must follow the rules first


so once you make an appointment then you let me know the time the date then once the uh (oo) like when we come to the day right then I give you like off slip or anything then let you to go and see your doctor then he's like [orh] okay can but slowly slowly right he keep on disappear like cooking the time never appear


uh so basically he just MIA for a while then after that we managed to find him he come back, then uh, !wah! that's the so called nightmare start ah, is like


we he say he need to go and see my OC to tell her that he's really suffering then okay so I free up my uh, free up my schedule then we all like go and see my my OC together ah


and then see already everything and that's the day right !wah! it's quite scary he finished at uh after we meet finish my OC right then he risk, that day they are having swimming lesson, so he supposed to go for the conduct ah then he never go


so actually he was hide he went back to his bunk right then he hide inside then I'm like, like now now I must know lah, because everyone is away then I also got paperwork and other things , then after that, I finish everything that's in the evening time dinner time ah then I just finish up my


work and then I call like uh, a few of them like other commanders we all go Makan at the cookhouse ah, I just grab my food, sit down put down my plate I haven't even touch my food right then suddenly my sec com call me eh sir the who who who


uh cut himself then I'm like, wait wait wait you mean cut himself as in like, accident or what then he's like, no sir he's he want to commit suicide he cut his wrist then I'm like oh no


oh no then I then uh then I tell my friend then uh tell my other commanders I say eh you all like uh help me clear up the food or you all take it ah uh I need to go back got something happen then I go back to my office right !wah! Rabak ah so he he you know the SOG


ya he never use the knife leh he used the saw part leh so he go and cut his entire wrist the forearm that area right !wah!, he just likes it's not like those kind of like like those people pretend or the the the the emo that kind like just scratch his one really very deep I went into my office right my entire office is all like the on the floor right is dripping blood ya


then my commander all also don't know what to do a bit lost then I straightaway go and grab my I mean T shirt lah I just wrap it around his arms ah, to prevent the uh to stop the blood lah it was really quite bad then after that, #bo pian# already mah then I need to call


(ppc) call like MO everything then the MO go and send him to uh go and do some like first aid on his arms then send to, uh IMH then so at the end right he


was diagnosed with psychopath, it is crazy eh !wah! that !wah! that time is like it's quite, I I never unexpected lah


really never expect this kind of thing happened so like I thought like this kind of thing happen right I mean definitely need to write reports lah and everything it sounds like quite uh it's just a normal procedure have to go through, then I mean like this kind of thing is quite bad quite bad already right so you wouldn't expect any more things to happen right


[orh] well that's a, yeah, eh, wait the appen the recorder off already eh, eh


the host also gone eh, hello, no my of mobile recorder is off already it's totally logged out eh, is she hi


the whole thing is just logged out just now, okay wait ah


ah project number okay three eights ah, I don't know like suddenly like like white colour right then become the the the login screen already ya


crash, something, ya to okay hold


!huh!, AMR is currently set only data transfer via wifi, but I never I never use wifi though I all the way using data leh


, use mobile data , ya but I was all the way using mobile data though


[orh] no I never even on the wifi option , uh that (ugh) [orh] negative experience part, no leh


record now, okay I press record already


ya okay, then ya within the same rate eh ya until the second person ah then another guy


!wah! he he try to jump off from the building ya, ya so like, !wah! it's like quite, I mean like usually BMT a lot of things will happen ah they will tell you like [orh] got people want to Keng ah tell people like uh tell the commanders they not feeling well all the nonsense ah they try to avoid army or go back home get MC but like !wah! commit suicide case


like really attempt eh this one is not like other people say say got the idea ah it's like legit there's actions happened already ah, !wah! then then !wah! like uh to be honest right !wah! especially the the the sitting on the ledge


that one ah the case right !wah! make me like, after that few days right also got the feeling like !woo! is it like someone sitting on the ledge that kind, that one it happen very very very late ah it's like, ah


I wouldn't say open really quite scary like okay you know you watch a movie right, you see people like trying to suicide or any kind of thing they sit on the ledge then they want to like uh jump, down that kind right then you feel like [orh] it's just like, [orh] like that lor to be honest you wouldn't feel much


maybe some people scared of height then they say [orh] sit on the thing like quite, high quite scary ah but that day he sitting, on uh level four to be honest it's not very high, right fourth storey is not very high but the !wah! the real


baffle thing is you see a person sitting on the ledge at level four and planning to jump down, it's like, !wah! the moment you see already right you will get traumatised one, then, uh I mean don't know what's because after that he also so called sent to IMH then the doctor have to follow up which for us we don't get to know what's going on ah


then ya quite quite quite, I wouldn't say is a pleasant experience ah it even made my OC right, cry ah so my OC was like uh feel very sad she's a bit uh


she's a very nice person but uh, she take things he she very easily get, like affected in the emotional way that kind of things , so it's like (ppc) so uh I think after the incident right


on the following day the second incident and then she's like crying ah she tearing not say crying she tearing and she's like saying like is it something that I did wrong that made our troopers behave like these ways like uh want to commit suicide and everything


then I'm like ah ma'am you don't think so much lah this one is not your fault, then, if you like that you will feel like very affected lah, that means it's something wrong with me also right


ya so if like that means the the fault is on me also ah ya I'm responsible for it ah then she's like, [orh] no lah it's just that , I also don't know why they were like to do this kind of things then made me question my my my decision or my the way that I conduct things ah


, but you know how do I say it ah, I mean like yes definitely okay when you just come to the the adjustment that, period ah it's really quite uh


it's it's tough for certain people but this one like go, try uh attempt suicide is like really very extreme end ah, it's like !wah! because like !wah! because of that right some of the troopers also got affected lah scared say like !wah!


!wah! I, [orh] I really traumatised I have never experienced it before !wah! uh really after that like a few days right, !wah! feels like eh need to keep on look out, need to see ah overlook ah just in case anyone like the same same case happen again


!wah! don't want to experience again ah , you eh


[orh] well I mean, some of my relative passed away right uh, not say we are very close ah so I don't really know that kind of like emotional


connection but


, no wonder


but now okay already ah, ya true true ya I also


I can't imagine ah if like something [orh] well I mean on the good side that my parents still quite healthy, (ppc) so, ya they I mean they still exercise and everything so actually, this thing never really came across my mind before


what if something happen


!wow! ya, no [orh]


okay ya recording now, part two positive experience , you start


you start first lah you start first lah


(hmm)


!ouch!


but, now your father okay already ah, [orh] he


(uh huh) I don't want to know lah I mean I don't know but it sounds painful though


, no wonder [orh] well quite interesting, really turned out to be better than the expectation ah


[orh] can ah I see, !wah! that's very true, !wah! if it's !wah!


if it's cancer !wah! cannot ah, after that if like remove already then still need to see whether, uh what chemo, all the things, ya so true true !wah!, not bad not bad not bad


scary ah, for me ah positive experience ah, I will say hor is the serving, NS that period of time lah to be honest right, in the beginning I didn't want to serve I mean everyone got the mindset what if can Siam then Siam lah


two years leh it's not like it's not like the the like overseas or whatever a few months then can like #pang kang# already this one is two years ya then like at first I also planning and I also got the idea of


like want to uh avoid this lah but after that I know sorry I don't have any choice I have to go and serve then I'm like okay lah try ah see how it goes ah then go inside army, uh BMT was okay


quite interesting because my how how how should I phrase it it's like , you know like BMT is uh first stage of you getting from, civilian life to the adapt to the army life right, I was quite lucky lah it's because my platoon commander right he's a very funny guy


so he's singapore PR, he's UK citizen but he's mixed blood with hong kong or something so he got the #ang mo# look then like uh then is like how how should I say ah the first time that we see him right


then he's like !hey! uh he's like !hey! guys I know you guys are very, curious why this #ang mo# face look like person is like standing in front of you and tell you guys what to, do then the like and then he's like sorry I'm your platoon commander for the next few months you just have to listen to my


instruction can already then I, ya his varying uh he uh he got a lot of nonsense but he make my BMT life quite interesting eventful a lot of things happened, quite fun then, like because of that right so I feel like actually army not that bad hor


it's like not as bad as what other people say lah then after that also quite fortunate to go OCS, then, nine months in between got something happen not say very , not say something that I want it to happen


but uh out out of course ya, ya out of course but then after that managed to commission all the thing it's pretty good, then I mean I then after that I posted to BMT also mah tekong so like [orh] well


not say joke around lah things still must get the rules still must follow , it's not like it's not like you want to do it eh it's not like he anything you want to do it you just do it so it's like after that


posted to BMT become a platoon commander it's like a instructor ah pretty good quite interesting met a lot of different people it's like how should I say ah something you cannot experience when you, not in the army lah it's like who


who will give you the chance to go and, command other commend uh command other uh commend other people command other people tongue stuck , you see ah you like, other country no chance lah ah, like we don't like other country those got national service one right they wouldn't give you the chance to


be a commander lah probably like a a group leader that kind of small things, like in charge then after that you can finish your service and, go home ah then those uh like whether you are officer or you are sergeant right, overseas is all the kind like only the regulars then can


ah correct lor you must be a full time military soldiers then you can do it what then in singapore !walao! eh , you see ah BMT four months you go OCS nine months technically thirteen months you come out become officer ya other country where got such thing


no lah where got one whole year in order for you to get a officer you must have the you must have a degree eh bro that, need to serve for don't know how many years eh


ya that's why then like !wah!, and then I'm like !wah! then like throughout right, how should I say ah all the commanders that I, meet uh that I meet right all very helpful all very


inspiring should I said it in that way , I mean okay maybe BMT one yes lah but I mean like when you go to


OCS right then it's like the the the commanders right, I'm not talking about the section instructors all those lah I'm talking about like the wing commanders that kind of things right those like lieutenant colonel or major that kind of level, the senior officers that kind


they all very !wah!, very inspiring ah share a lot of experience share a lot of things which make me like feel like actually not so bad ah, then I, learn from them ah like copy paste their , uh their their speech to my troopers [orh]


, , ya I the standard one don't know what to say mah like I mean like there's nothing much I experienced also, I mean you can learn the you you you can say all the inspiration things but inspiration things


might not be useful ah you must haves like some like very good example ah like like what they call the textbook answer ah this kind you need to learn from the senior officers what, [orh] well


ya you see ah last time when we OCS right it is because we different batch so before I out of course right, the the the wing comm really very inspiring but okay lah #bo bian# mah, injured myself then out of course


there, eh do it how you feel ya after you recourse then commission again, shiok hor


I tell you ah, okay, this one very honest ah last time when I recourse the time right I got plan before so it's like you know lah I got the injuries on my on my knees right so last time


where I recourse the time I I I I, plan this to myself so I say like [orh] if I managed to finish the course right then I will become a second lieutenant ah then I'll become a officer, but if let's say I never managed to complete the course because you know the two overseas trip one is the brunei then the other one I'll bet is thailand right ya thailand


you must uh so like I think right if let's say my, I go brunei then I out of course right, okay lah super corporal lah, then go and do a surgery for my knees one leg is six months I got two legs both side injured then one year #pang kang# already


, ya really no it's like uh don't even need one year MC I I I don't have that that that that that enough time for me to go and finish my MCs ah so it's like then like that's


my initial uh my initial plan is like if let's say right I my injuries come back again right then I just choose the off course ah I go and do my surgery then I just like relax and do nothing stay at home then until I finished my NS then after that I say okay if let's say right


I finished my course then I commission already right then I just extend, four months to go and serve the the row the the whatever that is uh posted or appoint, to me lah then, I actually hor at that point of time about seventy percent I thought I will off course or I tell you ah


the moment in brunei I'd, I believe you have the same feeling as me remember cynthia gate or not , , is like, !wah! then JCC everything so shag already lah until you saw the cynthia gate you are like


!whoa! yeah , , no but then do you you remember the instructor was playing all the club music at the bottom like !wah! , then we all like !wow! let's go eh so many days without proper food don't have like enough food then we all just like all shag already until that moment right go near !whoa! let's go man


yeah, I mean to be honest right really that's the first time right I feel !wah! so happy, to see something ya but it's a cynthia gate , ah really eh it's like


ya it's like I really thought like !wah! with my these broken legs ah I can reach this gate ah , , then second one right I will say the best one right is the the moment you throw the picket


uh (oo) remember that day we all like uh what because of the rain right, then they say they want to like, ya remember, sergeant major say !hey! ladies and gentlemen , , now now outside raining you all want to do the parade


ah now if you all want tell me ah !yay! , !wah! eh that moment the moment !wah! the the parade okay lah our our batch too small ah but !wah!, really sia at first like, I feel everything is like how to say ah


not not not real enough for me you know or not, it's like you got injuries you go through this you go through that all the nonsense happened already right, then it's like I, ya you you also don't know whether base on your condition you can commission or not !wah! then


even like you going to commission already right you at first you still don't have, feeling you keep on go parade rehearsal you all feel like uh it feel like how to say ah, it's like not really, you are like it's not like the real thing ah it's like you go rehearsal it's like Macam like go training like that


then until the, ya, then the run through of the whole parade right ah also feel like uh not like a real real event ah ya, until the real day the actual day ah


actually to be honest right at the first parade uh the the starting part of the parade because, holding the what is that call ah holding the the rifle uh holding the SAR twenty one right too shag already , so so so I don't feel like, it's the actual parade lah all the like very Shiok ah I'm going to


commision ah until like you know march down then you ready to throw the picket there lah !oho! #lai liao lai liao lai liao# , , it's my time already [orh] wei , !wah! I was at ya quite interesting ah ah really then after that you see ah become uh PC right


then you run a platoon we got a few, section commanders or the platoon sergeant under you I mean my hours is different ah but more or less the same still got all the commanders under you then also like the troopers everything


outside where got chance it's like my friend also talk my friend also talk nonsense with, me say next time right if you go find job they ask you got any management skill or not yes I'm the platoon commander , , I managed a fifty person unit uh fifteen person platoon


, [orh] I !alamak! !wah! I really miss that time ya Shiok eh,


!wah! I'm chicken wing ah


coffee is considered as comfort food meh, , uh #kopi o kosong# #kopi peng siu dai# which one


food leh !huh! only only coffee can cheer you up ah food leh #bak kut teh# #nasi nasi lemak# or chicken rice your favourite food ah


Aiseh sure or not


no lah as in for me right uh, uh , to be honest ah, too much already , no lah comfort food always cheer me up, ah fried chicken


, bro just see ah no no no don't don't uh eh we don't talk about #nasi lemak# ah just just fried chicken just fried chicken, legit eh during JCC you are


we all #hor hor lan# together right, you're not under the mountain we slide down one then then we all #hor lan# together were you there no right, [orh] damn


sorry


uh part part one finance ya your finance spell wrong ah (mmhmm), yeah , ya okay uh Firul ya ya Firul you want to start first


experience in investments ah uh not much experience lah but I uh I have my own personal savings account uh


like uh I have uh, what you call that ah uh a savings policy lah from uh aviva lah, ya insurance I have uh my dad bought for me a life insurance before lah uh so I'm I'm at least covered for life and for my uh uh critical illness as well


stock bonds cryptocurrency all sorry I do not invest in those I find that a bit too risky lah for for me for me lah


ya I'm a very safe uh investor lah I'll say ya I will only go for those like confirm I'll guarantee get back my money but I don't mind having a lower uh interest rate lah


like currently for my Aviva uh savings uh savings plan ah right is uh I'm getting about three percent per annum lah uh which is, ya I bought it, I bought it quite a while back lah but, ya it it's it's considered low interest rate and


ya that's what I I prefer lah to have my money guaranteed to me, yeah , ya and also for my ya lah for my life insurance is uh is uh is uh uh what what do you call that ah that that one where they invest your money in it lah


ah ah, ya you you you ya ya the whole life whole life uh insurance ah ya so I have one of those as well so at least I'm actually covered and still will get back a bit of my money lah where they invest my money that I put in


ya what about you Firul


[orh] [orh]


[orh]


, so you lost you lost money there lah [orh] just [orh] demo account [orh] [orh] I see I see so just try only ah, [orh] okay


ya eretheum is it or something like that, ya ya ya, [orh] too too risky for you lah but I ya lah I


too too drastic ah too drastic, ya oh my god !wah! ya


ya whether you are lucky or not lah, (mmhmm) ya where you


ya ya ya oh eh oh I didn't know I didn't know about that oh I didn't know about that but we're ya ya ya this year ah ya it's quite bad lah


uh okay uh


wait a second ah okay


ya it's still recording uh seven minutes, okay ah uh


[orh] forex also ah you you so so you also tried forex ah, [orh]


[orh] ya ya ya actually this I feel like this kind of investment ah you will need to understand what you are doing lah in order to profit from ya you got to know all the calculations and I believe there's a lot of uh equations to follow lah like you can study the charts and the graphs lah and see yeah


ya ya ya, quite a lot also ya ya it's quite risky lah but if you know what you are doing I believe you you are able to profit lah ya but there are also some people they are they invest in the stock market it's like like gambling in a casino like that I feel


ya where they say [orh] just buy Tesla stock then uh when it when it ya ya ya, cause actually casino you know you know what you're doing lah it's really based on, luck ah or the stock market ya


uh no I I feel it uh I feel like it's too risky for me lah like in all those uh stocks uh although I have uh my own savings bank uh as I mentioned before lah and I think that is more than enough lah for me to get by ah


ya I don't want ah no lah ya no lah, I mean just have a regular job and just ya just get money the old fashioned way lah I guess, ya right ya (mmhmm) ya


ya ya ya ya, I feel like it will be a bit addictive lah like you keep on checking the your your stocks and whatever then you'll be addicted to it and you might spend too much money on it like when you lose already obviously you want to put in more to earn back mah


ya ya, ya lah which is true lah but then if you see red colour then then what you're going to do obviously you going to put in more money to get back the money what


but then you if you keep on seeing the thing then uh you keep on putting money eventually you'll just lose your savings and all that I mean I have a few friends that have have done back that before lah like they invested in ya and lost all the money


uh about ten thousand dollars down the drain that kind, ah and I find it ya lah it's based on that experience ah I feel like it's very uh, risky lah and a bit, unsafe lah ya and addictive as well ya


, ya (mmhmm) ya ya


(mmhmm)


oh, my god ya, ah gold thirty cent (mmhmm), !wah! !wah!


ya ya , that's what a lot of people a lot of people also say lah like buy low sell high ya


ya ya


ya ya ya


ya lah to be honest I don't believe in gambling ah, I I really don't believe in it lah it it becomes an addiction when you lose already then you might want to win more and then you in the end spend more money into this uh I would rather like have someone manage my own money lah like I just give you regular money like a unit trust lah


sorry singapore no no lah , , no lah but even so the ya the probability of you winning also very low mah ya it's it is very low


ya three percent ah ya ya three one hundred


six hundred ah eh nine hundred eh six hundred six hundred, ya ya , ya but you you are not confirmed to win that money mah there there is there is ya there is that chance where you win but although the the the returns are very high uh I feel like it's too risky lah


(uh huh)


ya ya ah and soccer is also quite similar to stock I I I would say it's quite similar to stocks, ah where you can actually study you can study the players and like how they play how well they have been doing in that league and how well does the team in general whose their manager and eventually you you can come up with a formula where you can win


have have trust , no you you you you can study the teams and then you can find a way to win the system lah ya but it's a very hard work also lah as well ya


where you must read up on them what their team's story and all their current personal lives and I believe you can actually profit from it actually, [orh] ya


(mmhmm) , oh my god ya


what are you serious,


but you see you got that option you can hold it mah you can hold the shares but soccer once the match is over it's done already it's either it pay out or not pay out ah


yeah, if you keep on losing in soccer, uh if you keep on losing then that's why you keep on putting more money mah you like you believe in that in that share leh in that company then of course you'll put in more money ah and if you don't believe in that company you obviously you won't put in money mah then obviously if you lose that money already you'll see !wah! I lost this much money I must make it back


ah, okay let's see the question if you receive a big windfall what would you do with this windfall


I'll say I'll I'll put like I'll open another saving account lah I guess ya if I receive a big windfall ya I'll I'll put in like say about seventy percent in of it, it depends on how big the windfall is lah if it's like a say a million dollars ya of of course I will I'll I'll just open another account lah another savings account


[orh] ya ya ya that that's also a good thing lah ya a million dollar ya ya probably, (mmhmm) (mmhmm) [orh] ya ya ya


ya ya true true I think I I ya I think I might do that as well ya


!woo! five million buy a house in singapore man and just rent it out, I'll buy two unit rent out collect the rent, ya ya


ya I will I will never buy I don't think I'll buy a car lah unless I really really need it, if I if I if I get five million dollars I'll I'll be like you lah I'll buy two units in singapore and if I can afford a small car I'll just buy a small car lah I mean must enjoy life also mah


ya of course lah ya, ya I understand but you you must enjoy that that your your down your windfall also lah, ya ya ya


then can retire early ah uh I have a I have a, retirement account as well lah a savings and a retirement account ya so I guess that's ya there's one uh shorter term and one longer term one ya ya what about you


[orh] nothing okay [orh] okay okay ya of course of course


ya ya ya because I ya, ya ya you have to wait first lah at least at least once these things ya stable then buy ah


ya


ya nowadays also the the market is quite bad lah everyone saying that the financial sector is doing well but actually the market is quite bad lah I believe the fixed Ds right the fixed deposits now the interest rate has been dropping lah that's what I heard lah what what like ya ya I I


!huh! is it but I ah, but I I seem like the fixed D was like initially was before COVID started was about three


percent was it less than less than three right two two point something percent lah but now it dropped to like one percent or below one percent ya once COVID started ya it was quite bad lah, uh ya okay


okay, part three negative experience, okay


uh you start first ah just now I start first mah, ah, (mmhmm)


(mmhmm) ,


(mmhmm), oh my god


(mmhmm), (mmhmm), [orh] like he's clinically unwell lah uh mentally mentally unstable lah


(mmhmm) so


like he feels trapped lah ah,


(mmhmm)


ya (mmhmm)


ya plus plus there are rules to follow lah like a proper rule ,


ya, ,


, (mmhmm), ya (mmhmm)


!huh! cut himself like, oh my god


ah ya, (uh huh) the knife ah ya


!huh! oh my god like downward !wah! ah ya


(mmhmm), [orh] okay ya


!wah! like this ah !wah! I see


ya ya it's a standard procedure (mmhmm) ya, second case oh my gosh


your mobile recording is still going on


no no I'm still logged in part three negative experience


is it the app crash or


ya ya it's still recording okay


yup still recording


oh my gosh, ya ya


ya ya


(mmhmm) ya


ya you got to keep your eyes open lah on this kind of thing, (mmhmm) (mmhmm)


, ya ya ya


ya, ya, ya of course of course


ah


ya,


it's like under your your your care lah ya, ya I mean ya


not your I I think this will happen lah naturally I mean, these are recruits lah they just enter army from their civilian life they are being controlled from the this is the very start of their army lah so I guess they cannot cope with this control over their lives where they will eh they had so much freedom before and now and now like


they cannot do anything they want to do ya and hence that's why they feel so trapped lah and hence they become suicidal, (mmhmm)


ya ya, like traumatised ah traumatised


ya, make sure ya make sure


ya ya of course of course, uh okay uh what is the saddest moment of your life ah uh I think


when my uncle passed away lah that was uh about thirteen years ago when I was no twelve years ago when I was thirteen years old ya it happened very long time ago I was still a one kid secondary one kid lah


ah and uh I remember that day like it was like yesterday ah uh, ya it happened on a sunday I remember on on that week ah on that the last friday ah I I remembered he asking me out for like a cup of tea ah and have like a tea with him uh


after his work lah ya he was a pet transport uh driver lah so he like transport pets as his own business lah, ya so I remember it was after his shift already he wanted to ask me out for tea and being that like thirteen year old boy ah I was like no I want to I I I got homework to do homework to do but I I know I was playing some game lah I can't remember what game it was some computer game ah


I I was like no I don't want, ya then I remembered that was the last time I go and talk to him lah, ya and the next thing I know it was a sunday sunday evening I was out fishing with my brother it was like a very heavy rain thunderstorm and everything we were sitting under a shelter and suddenly I received a call from my dad he's like


hello uh can you come down come down to the hospital ask your brother ask uh uh uh where are you now where where [orh] outside [orh] I'm still fishing with my brother at #pasir ris# okay uh don't move uh pack up your things I come and pick you up now something happened to your uncle ya


I was like !huh! what what happened [orh] he's in the hospital never mind you just stay down there pack up your things I'll pick you up now, and I was like so worried I've been it was because like I was still a young boy lah thirteen years old lah, still I was like worried for my uncle lah and the next thing I know my dad was my dad picked me up and we drove to the hospital and the hospital said that [orh] he uh suffered from a heart attack while he was


bathing ah ya and he nobody found him until his wife came in my auntie lah he she came in to came back home like about five o'clock apparently, he was unconscious for about two hours already ya he was just lying on the floor ya and the paramedics uh


ya announced that he was uh dead uh passed away on on on at at at the scene ah ya, for me that happened like so fast I remember I was like fishing I was like so it were our we were enjoying ourselves ah and we had been so happy and suddenly it ya escalated so quickly and and I feel like


uh that was quite traumatic for me lah I guess, ya to have someone so close to you passed away ya that's why you always have to keep your loved ones close lah I believe, (mmhmm) ya


I mean my uncle and I was were we were very close lah like once in a while he will come over our house and clean the fish tanks uh we have a few fish tanks at home lah he will clean the fish tanks ya he will help us clean walk our dog, ya and do everything for us then after he will just go back home and do his own things lah like he he comes over to our place quite often ah my place quite often


ya he uh we always meet me and we are actually very close lah like we will always have tea after his when I have nothing on ya ya after his shift then ya we'll have tea ah or something lah always go out, ya


ya ya I guess it's already past lah it's been quite long already ah I guess ya that's why I always I always cherish my loved ones ah the those close to me my dad especially ya that's why as I mentioned before lah my dad was in the hospital that really got me worried lah like what if this is happening again


you know ya I I wouldn't want to experience it again lah ah that that worry ya, ya ya ya that's good


ya ya , ya it's good lah ya it's good to exercise also but of of course it's not good to exercise too much lah like my uncle was actually very very fit just that he had a heart condition lah that that's why he passed away of


heart attack ya you no matter how healthy you are you've got to you've got to like have a proper diet and everything ah ah although you exercise or not you need to eat properly as well lah, alright okay


okay recording now uh part two positive experience okay, okay uh #ping ru# you want to share about your positive experience


ah describe a moment when things turns out better than expected ah okay I'll I'll uh I uh I want to share something uh that happened quite recently lah a a moment that turned out better than expected lah, okay recently my dad was hospitalised ya where he had a thyroid cyst he went to our GP ah okay I was ya he went to our GP


for his driving uh, license lah to you know once you hit seventy years old you, uh need to go for this driving test where the doctor will test whether your eyesight is okay whether you are fit to drive so he went to our GP and you must he was touching his throat like he noticed like a small lump ah at his uh chest area about here


ya so he went to our GP and say [orh] uh once the driving test was done he was like (hmm) uh doctor, what was what is this thing then the doctor immediately say [orh] it's a thyroid cyst, ya you better go to the doctor immediately ah, ya so he he has his own insurance ah uh so he went to mount E uh


uh uh private hospital and we went for a scan and we noticed ya it is a cyst lah it was about ten CM big on the thyroid so the doctor recommended to do surgery to remove it lah, so uh we ran a few tests like all those uh ultrasounds and x rays and everything make sure he's fit for surgery and we went for a surgery and cut his the this area and then he removed the cyst ya but then uh


uh doctor recommended to go to ICU because he's he was very unstable lah he like he cannot breathe after the surgery was done lah he like, although he still unconscious his uh blood oxygen level is too low lah it was about sixty percent the normal rating is like ninety percent ah it dropped all the way to sixty percent so the doctor sent him to the ICU and and at that point of time I wasn't the the hospital called me ah they said [orh] uh


your dad uh surgery has gone gone well but however, he's being put in ICU then uh I asked [orh] what happened like, the the nurses couldn't give me a proper answer lah they just say [orh] he's in ICU he's he's quite unstable and that's all they said to me ah so I immediately just rushed down


to the hospital and then !wah! my dad was still unconscious because he was under GA lah general anesthetic ah where you being put out with the medication and all, so ya he was unconscious lying there in the bed uh and it was like quite late at night already I gotten so worried lah so I couldn't sleep at night until the next morning eight AM when they first opened the hospital ah I just immediately went back down the doctor was there


so ya at that point of time my dad was conscious already he's awake and uh, ya so he was like uh ya he was awake already the doctor told me [orh] actually he briefed me on everything ah during the surgery the surgery went okay went well he removed the cyst everything then my dad was like [orh] I'm fine already


ya I can I can I can I can be discharged already when when he was still in the ICU you know ya [orh] I can be discharged already I'm I feel fine I feel fine, just my throat a bit hoarse and that's all ah [orh] eh eh got me ya so relieved lah at that point of time lah so I I guess that turned out better than I expected ah ya got me so worried and then !wah! one whole night I couldn't sleep


ya ya ya ya he's, he's fine now after the surgery now he has actually even very very well it's like nowadays the hospital equipment has been so good now like the doctor didn't even do the incision it's everything is like machine it cut the the skin and all right they use the machine the laser cutter to cut you know now stylo


no no no it's not painful at all lah he says he's completely fine now lah ya he's up and, about ya ya ya , ya ya


ya it's a lot turned out better than expected lah uh it could have gone wrong lah and lucky it wasn't cancerous lah that's the most important thing cause the cyst the ya the cyst ah was ten CM, big you know in in his thyroid in the chest area it was very big ten CM ah ten CM !wah! lucky ah ya dodge the bullet lah ah ya I'd say uh dodge the bullet ah


ya ya ya, (mmhmm)


ya ya ya, if can Siam ya also had the same thing lah if can Siam Siam , ya ya, ya it's two years of your life ya


, (mmhmm) (mmhmm)


[orh] ya got, (mmhmm)


(mmhmm) okay okay


yeah yeah, okay


ya [orh] ya ya then [orh] [orh]


[orh] you got injured [orh], [orh] you got out of course from OCS, [orh] okay okay


, so you you became like a your your PC like that lah like I mean joke around, ya of course of course , ya ya ya


ya ya ya ya ya ya


of course it will it will take you a very long time to get that leadership role ah, ya


(mmhmm), ya you must sign on with their army ya in order to get that position ah, ya ya


yeah, other country will really take you one whole year man eighteen eighteen months I I I, yeah, ya you must have a degree first and I believe the british the british ya the british officer course is eighteen months ah it's twice as long as uh the singapore officer course


ya it's very very long, ya ya ya


, I believe they have the same mindset as you lah at first like [orh] they don't want, to serve army then yeah then eventually they got ya used to it lah, (mmhmm) (mmhmm) (mmhmm)


all those higher higher ranking regulars ah, ya


ya ya ya their speeches right ya ya it's like the standard line , yeah, ya


ya the textbooks ya ya ya, just copy and paste their speeches lah just write down their speeches uh make sure you get it word for word lah just copy, ya (mmhmm) ya ya ya


ya it happens ah it happens injuries accidents happen ah, ya, [orh] after ya after I recourse [orh] I feel like so so much like so much effort that I put in finally paid off lah ya ya it feels ya


Shiok ah there's no other word for it ah Shiok ah Shiok is the right word lah so ya, (mmhmm) yeah


(mmhmm) ya


that is (mmhmm) (mmhmm) ya ya


ya one one year one year one year MC ah , ya ya ya


(mmhmm) ya a'ah, yes relax for the rest of your and the rest of the two years ya ya, (mmhmm)


ya ya yup yup yup the the last checkpoint yup


yeah, uh you you see the gate you see the checkpoint it's like oh my god I'm finally home I can finally I can finally sleep on a bed I can wash up, ya ya ya ya


ya yeah ah


ya, ya ya ya I I have that same feeling lah like [orh] finally I'm I'm back home oh my god I don't need to starve myself


ya, yeah , [orh] ya ya when you when you commission ah ya


!wah!, ah [orh] ya [orh] !wah! they wanted to cancel the parade and all, yeah , oh my god


like everyone was like [orh] yes , ya it was, ya (mmhmm)


ya ya, ya ya ya


you just train normal training no no one's looking at you ya you don't you everyone ya ya it's it's not real like impactful lah it's not impactful ya


(mmhmm) ya , ya ya


everything paid off lah ya ya


ya all the different of course ya it's it's ya ya it's still ya it's still the same leadership roles ah ya ya you'll you'll never experience ya you'll never experience this, ya ya ya ya


ya true ya, okay let's see pick another question ah


what is a comfort food that will always rely you what what's a comfort food that you can always rely on to cheer you up, okay ah for me ah uh I like a very good coffee lah


it's not a it's not a it's ya it's not a comfort food but a good cup of coffee uh will always get me happy lah ya cause of the ya, actually both also can even even if it's like a Kopitiam coffee uh Kopi O uh ya it'll it'll be good as as long as I have the caffeine kick lah I guess ya that always cheer me up


food ah [orh] food, ya I I like chicken rice I I mean I wouldn't say I'm a connoisseur but I have eaten a lot of chicken rice around singapore


ya ya ya, how about you your your favourite food #nasi lemak#, ah which which #nasi lemak# is the best, got so many


!woo! fried chicken like the crispy #nasi lemak# the #nasi lemak# kind or, [orh]


like a good fried chicken KFC that kind ah, I don't think so, (uh huh) I don't think so okay


financial related topic, <P2>ko ching</P2> would you like to start


for me I also have similar ways of investing uh I usually diversify my investments such as like you said insurance plan and also investing in the stock market, insurance plans mostly just to like ensure that there is some money in case anything happens to stock market I still have some money in backup that I have for my future retirement


and, for investing in the stock market usually I, just use my monthly salary to invest a small sum into the stock market in companies that have like uh, growth value or that are trending


so for next question what strategies strategies would you recommend to someone, planning for their big ticket expenditures, for me I personally would recommend someone to plan, ahead for their finances and expenditures


because like buying a big ticket item, most people will only be able to pay a lump sum or had to put a sum of money, while being able to lead their daily life, so I would advise them to plan ahead in advance and maybe come up with better uh investment plans or had to cut back on their expenditures


for me


I think my management of my financial before and after marriage should be the same , just that after marriage there will be two people so will be easier to have a bigger sum of like your salary, your savings provided that you don't have any uh like family like it's just that you and your partner


so I think will be a a bit easier to, like use your savings to, pay your expenses, so the next question in a post COVID world


what changes okay no no okay


next question is in a post COVID world what changes are you making in terms of spending saving habits, I realise that , I can cut back a lot of my spending's in, save a lot more money doing


, COVID and post COVID because, I can actually not go out as much as I used to and, not going out can actually help me save a lot of money and also, I can use my time at home to


figure out how I should actually, diversify my investments and how to save money for my future, ya


I agree with you and I also think that, for one to retire early you must take a lot of risk, a higher risk you take the earlier you might be able to retire but it also might backfire so, I think it's also very important to have


uh many streams of income not only from your salary but, from , maybe rental or, investment dividends, okay so for next question what advice would you give to someone to get him or her out debt


, firstly I will like to advise them to cut on their expenses, and, also to make sure that they're, living thrively ah, not to spend their money, unwisely and for them to make sure that paying their debt is the priority


I agree with you and I also think that one should own a credit card, but they should limit their spending and know how much they're actually owing before spending more but one of the main reasons for owning a credit card nowadays is because of the additional benefits that you get from credit card such as the


, maybe like miles plan or the extra rebates you get for spending on your credit card so I think one should definitely own a credit card but make sure not to accumulate any debt, so for next question


what advice would you give to someone in order to retire comfortably, I think, for someone to be able to retire comfortably they should not have to worry about any financial expenses they have to incur or in case of any economic downturn that they would still have enough money to


get on with their daily lives normally, so for them to retire comfortably they must definitely have a good retirement plan and have enough money to last through their whole life after retirement


same ah I totally agree with you, I think CPF contribution is very important, it's just another savings plan sort of that allows you to pay for your next home or in case in the future any medical fees that are very high and you might not be able to pay with your current savings account


so, would you like to skip to another question, thirteen


okay so how will you make a financial plan investment portfolio for your family or children, so when you have children I think your expenditures definitely get even higher and you also have to take into account their their school fees and maybe even tuition fees and also to cover their health and uh other medical stuff so


you definitely would have to set aside a lot more money because now is more than just being for yourself and your partner but also for your child and maybe your parents also so, that will even cut it more into your own salary so having a better investment portfolio before even starting a family is very important you definitely have to plan ahead in the future that you have enough like uh financial and money to


pay for not only yourself your partner but for your children and your parents as well and also your wife side of the family in case anything happens to them, you must still have, enough money to like help them in terms of any crisis, ya


most of the money that I spend is usually on, uh, food and also transport, , I think some of the ways that I can cut down on things that I've been spending too much on are like, money that I've been used on snacks that I didn't really need as it also makes me more unhealthy and like you said also on


correct, cause like nowadays grab is very convenient and you can just like, there are a lot of promo codes out there which entice you to use the grab services more than the public transport that are available for you so I think that's a that are some of the ways that I've been spending too much on and I should cut down on them


next question is should I DIY or get a financial adviser to plan my finances, I think everyone should definitely look into how they can, uh plan their own finances and learn more as much as they can about it before uh approaching a financial adviser to plan your finances


as I think you would also need to know what they're actually doing or they might be like scamming you or you might not actually you know they work so you don't know how they like like properly using your money to the fullest potential


what about you


for me I think I have about maybe forty percent of my salary in savings about twenty percent in expenses and the rest will go to my investments sometimes it varies throughout the month uh I would like to save a little bit lesser and put more into my investments


but most of the time it it use to be that ratio ah, so for the next question what can you do to earn extra income or improve on your income level, I think, apart from having another side job or side hustle to earn the extra income


you can also do uh more courses online to upgrade yourself so that you have a better portfolio and maybe you can apply to any different jobs that give you a better salary to up your income level, but apart from that I think the side hustle is a very good way to earn extra income such as maybe selling some products online or even doing uh some online services


to , earn the extra income some other ways are like uh if you have if you lucky enough to have a second home you can do some rental, uh to other people or even, if you live in a house that has empty rooms


you can convert that into a living place for someone else


same and I think that the habit of saving must start from young and also to ensure that I meet my saving goals I do a regular check every single month to make sure that I do not overspent on items such as,


maybe your transport going out too much and such so for the last question what's one financial advice that you will give to you five years ago uh definitely is to try to read up more on, uh investment and such so that I will be more knowledgeable now and be able to invest my money better


negative experiences, I think


most of the things that give me goosebumps when I watch or read are, definitely horror, stories or movies, or something that is so unexpected that I will never think of that give gives me the chills


such as, that day when you showed me the post on, how someone will actually, hide a body, like how will someone even think of that situation in the first place give gave me goosebumps ah


what about you I


probably something that I've done gravely wrong, and there's no way of turning back time to stop it would definitely be, maybe a sort of bullying but I wasn't, I wasn't aware that I was the bully in that situation


and, that is definitely one thing that, I regret, although because I do not know like, what I've actually done to the other party, and


how it might have affected their life, so I think maybe, being a bully was something that I've done gravely wrong and, something that I will never be able to change about it lah, how bout you (ppc)


I think an event that made me very angry is, when someone, miss understands the situation and, makes things worse for example, not being able to understand the instruction that was given but


continues to do it, and, the person ends up doing something wrong so, it made the situation worse and we have to restart over, so I think, that is one of the event that, what makes me very angry when people do not understand the situation but


get a, overhead of themselves and, went to proceed onto things without clarifying, so what about you I think


something that disgust me would definitely have to be, people that like empathy, because I think, for specific example would definitely have to be the most common like in transport public transports


you'll definitely see a lot of, kids sitting down, and, they will not like offer their seat for elderly's or pregnant people or someone that is injured, so I think those type of situations where people lack a lot of empathy


is, a bit disgusting to me sometimes I would approach them and, ask them to give up their seat, but somethings it, doesn't go well ah so I think, people should learn to


be more aware of this type of situations and, bring up uh, and confront those people that are causing the situation, to do the right thing ah, so what disgust you, I think now being a twenty first centaury right everything is


portrayed on your social media and everything is, online so I think, I feel that, we still need to have a sense of humanity in us we have to, not hide ourselves behind a


like a facade that, doesn't really show who you really are, and we should portray ourselves to, our best abilities, and, that it's like one thing that I'm very upset that


the world has actually come to this stage like, everyone is just being, fake online, like you cannot really tell who they really are, or how ya how they're really are so what about you I think some of the worries are being


contacted of the virus that is one, cause you never know how, it might contact you and, you never know whom I actually have meet, when you go out, and some of the anxieties would definitely have to be like


when you go into public transport, you, wouldn't want to go close to someone else or even on the streets, and some, more of the anxiety that I face is that people are taking, the situation too lightly


too too lightly like although, the situation in singapore has lighten like we have gone to phase two, a lot of people are just getting more comfortable and, getting back to their old ways such as going out freely


not taking the, safety distance measures, uh properly, not wearing their mask at all times, ya, the people taking this type of, situation too lightly is one of the anxiety that I have, because it might make the


situation reoccur, and, bring us back to phase one where the, corona virus is more, , susceptible to contacting people ah what about you


something that frustrates me will definitely have to be, when someone doesn't understand what I, trying to, get my point across, like they do not understand what I'm trying to say, I think that is definitely one very frustrating thing, because I don't really like to repeat myself eh


again, having to explain myself over and over again is quite frustrating to me, how about you I think something that I've witness is


the ill treatment of maybe family members, and not being able to step up, to them to ask them to, stop is something that I've, regret also, because I definitely would not want to get into, way of family matters but


is something that I maybe should have done although it might have, not being my problem in the first place, I think that is one of the worse things that I've witness ah what about you I think it was during my time in school when I was also


trying to help myself is very hard to help someone else , at the same time because I have to, set my priorities and, I have to solve my issues first before being able to help someone so I think, that is like all the times where


I felt very, useless, like I wasn't able to help someone else, when they also needed a lot of help, although I was in a situation where I was stuck myself, so what about you what what's the


time where you were unable to help someone in need


I think my greatest fear would, definitely have to be losing someone, close to me I think I wouldn't be able to function normally


if I had lost a friend, for quite a while, I think that is one of the, only fears that I have being alone, what about you I think


some of the progress that I have is definitely, being scare of heights, I think one way to overcome the this type of fears are just to, have to face it face run have to confront your fears I think this is one of the


best ways to, get rid of your phobia, and, some of the ways that I've done it is like, getting out of my comfort zone to climb, like the mountain and also jumping off cliffs


I think these are some of the ways to overcome your phobias what about you


positive experiences,


as you know we've gone on a lot of , overseas trips together and I think all of them are very meaningful and I definitely have fun for every single one of them, but I think the one that, left me in awe would definitely have to be


the trip to bali, I think, the specific experiences that left me in awe is the climb for mount batur, I think is a very tough but rewarding hike


and, it's definitely worth it because of the view, and also the company that , went up together we definitely had a lot of fun, a lot of tough moments but, I think that's the one experience that left me in awe


, I wouldn't climb the same place again ah but I I definitely will want to go on more trips together hopefully somewhere in


europe where we can do a like a road trip something that, doesn't have to be very costly but also very fun that a lot of us can do together and experience the same thing together, I think


the biggest reward would definitely be the satisfaction, cause, I know that sometimes doing good deed, , comes out naturally but sometimes you have to do it out of force but


it will only be worth it when you see the, other party , feeling good which also makes yourself feel good, which is why I think most people do good deeds ah in general, but I think


most of it doesn't have to be, like monetary reward or anything but mostly like, just the satisfaction that you get, like knowing that you you you done a good deed and you just make yourself and someone else felt better throughout their entire day what about you


this will definitely have to be, one of the times actually not only one of the times but most of the times where there were any crisis that happens throughout the world such as like maybe during like the australian fires, that happen recently


there were actually like many people that reach out to different types of foundations to see how they can help, to, donate money or food to help, the other people, the people that are suffering in australia during that point of time, so like that kind of


situations are the time where my faith in mankind was renewed like, actually seeing other people going out of their way to help someone else even though they might not experience or understand what they're going through or even though the people that they are trying to help


but like I see people trying to, raise awareness and put in more effort for this type of situation, has renewed, this type of faith in mankind for me ah, what about you (ppc) (ppc)


for me usually I experienced an adrenaline rush when I go away out of my comfort zone and, do something that I normally wouldn't do, for example, maybe


like you said in bali maybe jumping jumping the waterfall I think that's definitely something I wouldn't do lah but, because is something out of my comfort zone and, uh, I went to jump I think it actually, , gave me an adrenaline rush


something like this uh going out of my comfort zone, what about you (ppc)


I think one of the most, significant moments that I felt I was very lucky was, that time where, I recovered from my knee injury, because I really thought that I wouldn't be able to walk anymore let alone run or exercise after that


and being a sports person myself, I was very devastated during that time, because I thought I wouldn't be able to do any sports after that, but, luckily I was able to recover well and I'm able to do all the things that I want to do now so I think that's definitely one of the


most, lucky things that happen in my life, apart apart from that I think meeting uh this group of friends that we all have is, one of the luckiest thing that ever happened to me because I feel that


not a lot of people in this world are very genuine, uh and not a lot of people will stick through you through all your phases in life like uh your deepest, , darkest times and also at your highest points in life so I think that are some of the things that I'm luckiest for and


ya, the the moments that I felt luckiest in my life, how about you


I think the proudest moment of my life would definitely be, graduating from school cause I think, that's one of the times where I suffered the most because you I I wasn't very good at my studies but


I persevere through and I think that's one of the most, proud moments that I am, one of the proudest moments I have, like graduating from school, what about you


I think something that amazes me is that, I've only, travel to so much places in my life but there are still a lot of other places that I've yet to discover and a lot of other people that I have yet to meet, and I would definitely want to


have that experience and travel around the world and meet as many people as I can and learn as much as I can about their culture, and, I'm just very amazed that, there are, so many different type of people out there with different perspective


different beliefs, everything like, although we are so similar but also so different at the same time, what about you I think


not knowing what is going to happen tomorrow is, something that makes me want to be alive I think that because, you only live in the present, and you


you don't know you what to expect that it's going to happen in the next few seconds for a few hours or what, anytime but something that you cannot predict makes it a lot more fun and


a lot more unpredictable which, keeps me going ah like you will never know if, an opportunity might lie right in front of you, that will change the whole moment of your life that is something that, makes me want to be alive the uncertainty and


the unprediction, or things that will happen in your life, how about you I think


one skill that I am proud of having is, the ability to, connect well with other people, in a short span of time, I think is, a very important skill and also


one that, I use on a daily basis, and sometime being able to, put your pride aside and try to get along with someone is also very important to have especially in the context of the working world


so I think this is one ability that I'm very proud of having uh getting along and communicating well with other people, what about you


I think my favorite activity to unwind and relax is definitely, meeting my friends for supper, I think that is one activity where, we can just, chill and


drink and talk, so that is one of the, many ways that, I used to unwind and relax myself after a long day or long week at work, another way is probably just, uh, watching netflix or youtube videos as I do not have to use any brain power to


, do I do just have to watch someone else and, just takes my mind off things that, , uh the most hectic in life ah, what about you


uh this I think this question, , brings back the previous question of when faith in mankind was renewed so, I'm very optimistic about the future because, I know that people, human resources are the only thing that we have, in singapore and like


that is one thing that brings us closer together, so, I pretty sure like if there's another crisis that, will hit, singapore we would be able to overcome it together oh, and, we will be more prepared in the future


financial related topic


uh so I start with the first question how do you invest your money to accumulate wealth and or of planning for your retirement, uh I try to invest my money to accumulate wealth by uh playing the stock market and uh I will try to find opportunity in the stock market by reading up news or


uh looking at the annual report to see whether I can to see whether the company will be in growing in the future, uh then I also try to plan for my retirement by uh fine uh buying insurance plans uh such as the saving plans so that there will be enough uh


money for me next time, uh by accumulating in the long run


uh I think for me will be to always have a, a ratio like for example if you earn uh one thousand dollar I think is uh I think is best for you to have a ratio in place like for example you save fifty percent you spend twenty percent and the thirty percent go to your needs


so that in this case right there's always a fixed amount of savings coming along your way, so that next time you can be able to afford the big ticket expenditure because they usually, cost about uh, quite a huge lump sum so you will require


quite a uh, huge sum of money also and, uh it's better to start saving young so that you so that you will form the habit of saving and sometime investing uh might not goes your way also


so for the third question how do you manage your financial commitment before and after marriage uh I think for me will be uh the same uh the financial commitment will be uh I'll be managing by having a


fixed amount of uh saving as mentioned just now so I will save at least fifty percent of my income, and, uh using that savings, I will then further diversify my saving into err different part such as err fixed err fixed saving plan and uh investment plan so that in any case of any economic downturn I'll still have my saving plans to rely on


not really


uh for me in a post COVID world uh I don't think I'm making much changes to my spending or saving habits I'm sticking just sticking to my uh old savings habit and spending and my spending habits also, uh I think the main reason is that uh uh I'm not really affected by the COVID situation so therefore I do not have any much changes


uh what do you think of how can one achieve financial independence, uh I think that one can achieve financial independent by setting a target, uh it's important to set a target and set a smart goal for you to work towards uh for example if you want to retire early like for example forty years old then you must be able to have a


more ambitious or bold plans that set in place, for you to achieve that, and I think in order to achieve financial independence you must have a, uh either a stable income or maybe have a good uh startup so that you are able to


accumulate enough fund for your future ahead


uh for me I think is uh never spend beyond your uh means so like do not take up any uh


debt, uh for example one good example will be credit card for example you spend money that we spend money before even earn it I think that is a, a very bad way to get into debt, and


uh know to get out of debt I think should start uh, uh paying off your debt first, and have a fixed plan ahead, uh do you think one should own a credit card, uh I think one should only own a credit card when you have a stable income or at least you are when you are


uh able to control your spending if not uh I think one should not own a credit card because it's very dangerous, and it might lead into a debt that you can't pay


uh I think in order to retire comfortably I think one should have enough uh as usual I think enough money for you to spend when you retire


uh if not uh I think it will be quite a tough retirement for you when you have nothing to uh spend and you are constantly worrying about money ahead, err I think the advice I'll give is to always err have a good plan and a backup plan to fall backward


uh what are your thoughts on CPF contribution, I think CPF contributions is a good way for you to, uh buy your uh future housing, and to pay off your future medical bill, since it's a constant since you're constantly topping up to the CPF uh by the end of uh maybe ten or twenty years you will have a good lump sum saving that you can rely on to buy


a new house or maybe uh for you to in case of any emergency can use it to pay off your medical bill so I think it's a good uh scheme


oh can uh which question I have to skip to, okay sure


uh I think for me is like uh for you to have a stable income with you and your partner so that uh you are able to pay off your so that you're able to have a good financial, plan uh for your family and children and I think a good way is to uh get into insurance savings plan so that uh is as it allows you to have a as it forces you to have a fix uh regular contribution to it


for your family and children ahead, uh how do you spend your money when expenditure is justified and what have you been spending too much on, uh I usually spend my money on uh meals uh as I'm a foodie so I like to eat uh food uh so I will usually uh spend quite a bit of my money there


uh which expenditure which uh I think I've been spending quite a lot on transportation uh by grabbing, uh I think I should cut down a bit but I think sometimes uh I'm quite lazy so I will usually just grab uh anywhere I go


I think it's a mixture of both, I think it's important for you to uh seek advice to hear the professional point of view but I think you should also uh uh have some uh say in your own plans since uh you would understand your own financial the best


and sometime financial adviser are not uh they might not be very trustable, so I think you should have your own uh at least your own basic knowledge in order not to get uh, the worst case will be scammed by the financial adviser and always get someone trusted for to for to in order to plan if uh for them to help you plan your finances