, I will just imagine there are no people there,


I think I think she because she has a peer so she's okay, !oops! time's up


positive experiences


uh, okay what makes me want to be alive, uh, healthy health, what yes , what what made you want to stay alive


because to me I feel that ya and my girl, because I feel health is wealth only when you are healthy then you can do anything that you want or don't want so to me health is very important healthy is very important how about you


(mmhmm) (mmhmm)


!wow!, (mmhmm)


!wow! that is a very noble cause, , (mmhmm)


and what is your skill or ability that you are secretly proud of having


!wow! that is so awesome , , , that's true


excuse me (hmm),


, (mmhmm)


ya, for me it's actually something very very simple but, I am secretly proud of and that is cooking , because actually before I actually before I got married or even before I had a child I didn't cook much so especially after since I have my kid that's where I started cooking ya


I slowly slowly upgrade to baking to uh to try out a lot of new food whether it taste nice or not is another thing, ya for some( ppl) for some she likes


, so ya that's something that I'm quite proud of, even my mummy also said ya but unfortunately I didn't I didn't you know I didn't learn from her previously only until I have a kid and then not living with my mum anymore then I started cooking


, ah ya ya ya ya ya yes yup, yes I do if not I'll always call my my helpline which is my mum


yes, so I hope to pick up more tips and more experience from her , ,


sure she'll be more than willing to help you because now she's so bored she cannot go out because of this uh COVID nineteen so she's at home most of the time other than maybe in the morning she go for some walks in the at the park


if not she's ya she's going crazy she says, can can she can but but it's dangerous you know because where you cook or you bake you will eat and then if you


every day cook every day bake without exercising, I think all of us are going to put on a lot of weight , ya that's why I ask her , ya ya safe distancing yes ya that's why I always remind her and when she and then I ask her not to touch her mask and when she goes back home must wash her hand immediately you know old folks lah


(hmm) this, ya my mum also been asking me to learn so we need to find one time because #kueh lapis# need a lot of


uh time to bake, , uh you can ask her yourself, , can


ya, , but eh no leh I think only family can visit now ah so that means you have to wait until COVID is over


ya, , oh okay if I'm going yes I will


ya oh ya that's true that's true , , I think she'll be fine correct yes she'll be focusing


okay better don't let her know , if not she will start bugging my mum again , there was a period of time she keep asking for it


, uh okay, !wah!, then I'm gonna be so so busy,


ya ya but it also cannot last you know it it won't be able to last for very very long so every ya every few weeks might need to break if she really loves it so much, , ya she is lah but you know nobody can eat the same thing over and over again for so long


yes that's the trick then she'll say mummy can you bake something else, ya like chocolate ya chocolate cupcake chocolate cake are her favourite


, okay (uh huh) ya and ice cream, that is their favourite,


oh okay, green tea whipped cream something like that I guess, ya ya yes something like that,


nice, ,


(mmhmm), oh okay


, okay okay,


sounds nice but first you need to buy green tea green tea powder right, chocolate


ya, yes you are what is your,


ya definitely that will be the time when I did something silly and got found out


, ya so,


ya, ya, , (mmhmm), , ya or to entertain people


, , ya that


uh paw patrol because now she's in love with paw patrol, uh cartoon so we'll play paw patrol, like maybe we will imagine we have a mission so the favourite statement (ppc) sorry the favourite statement is paw patrol on the move


ya then she will start to say this sentence then we will, start on our mission, ya to rescue someone or something ya along that line,


, ya most of the time, uh peace at night when she's asleep then I can sit down enjoy a cup of tea and watch TV


, that is the favourite activity , ya, or to watch movie to relax ah how about you yourself


yup TV , ya so your, , !wah! your hubby is so fortunate he always get to eat great staff yummy stuff actually


, sorry excuse me, ya,


ask their friends, ya, that's why they got a Kampung spirit you see and it ya, you will always be able to ask someone,


(uh huh), ,


ten dollars , , (mmhmm) ,


, I'm sure he finish every bit of it right


ya , , everything just dump inside the rice cooker


, , okay thank you and, [orh]


ya I think I did cook before mine was claypot chicken rice because quite long time back my mummy bought the, claypot together with me so she bought one I bought one ya


but using the claypot to cook is not that easy because you have to take note of the fire it's easy to get, uh burnt ya, so rice cooker is still the best because you just press the button and everything is done


, uh, , and it's nice,


yes ya you can bake a cake using the rice cooker also, ingredients


ya ,


ya,


(mm) (ppl)


financial related topic


I see for CPF I actually don't really know much all I know is you can only take it when you're fifty five or something I I'm not sure , uh, what advice would you give to to reduce income tax (hmm) income tax


no lah is donation is actually quite a good way to reduce income tax ya it's somewhat more involved ah ,


actually I haven't paid income tax so I can't relate I I don't know they haven't sent me yet I think soon ah soon I will know what it is, uh not not less not yet not yet maybe maybe after job ah but the moment you get the income tax then you it will hurt lah I guess I don't know but


ya I I think uh ya, my friend is like how many percent eight percent less lah ah uh I am I just remember is quite quite a significant amount, quite significant amount uh


uh I think around there ah I am I just know ya around there what about uh SRS like supplementary retirement scheme is very similar to something like CPF where when you put a set amount of money into the the scheme then it gets a fixed uh growth deposit and then like two point two percent or two point five percent


so you can like save your money for retirement something like that, ya I ,


ya, , now but personally would you would you put your money into SRS would you would you think do you think you will put it


monitor it


ya I think it's safe ah, ya but you think how much percent of money like thirty percent of your income, or you think like quite a lot depends on ya see how much you have to spend,


ya I think ya, now I now now just study just keep keep that slowly get that in education


how would you make a financial plan for your family or children or if you have any children , like a financial plan like maybe is investment portfolio like


ya and it's quite uh there's currently I think I saw a lot of saving plans you can put your money I think they put uh I think I will say sort of like a saving plan five percent increase so you put your money maybe two thousand dollar and it grows five percent every year ah so I think that's like uh same lah


ya actually for me my my mum also ya good ah he starts when you all your chinese new year money just put all your chinese new year money into the bank not don't allow them to spend [orh], no no I couldn't during my time my chinese new year money I never spend it before all my money is all from from our baby year


oh ya you keep your you can use your chinese new year money as the, parents [orh] uh oh uh, ya but parents give a lot ah parents quite quite great they give you a


!wah! but still good ah every year we just get the extra extra like maybe fifty dollar twenty dollar that's that's quite decent


ya actually that's true I only recently then like oh !wow! have money hor but but what what's one financial advice will you give to the the past you like five years ago ya


it's , , how how how much do you think uh you should spend ah something like that in the thousands it should be around a thousand


oh, oh no that's uh !whoa! no, all all all the money, okay so it's around thousand plus dollars ah something like that lor so so like,


so do you think what would you do about it lah now I'll just say don't spend the money ah so just keep it keep the money just just save all the money


what uh, uh personally what do you think you can uh do to earn extra income for for you to income increase your income level, do you have any plans to like cause now maybe next after you study you get a job would you you still have a need a bit of supplementary income what do you think there's ways to like earn extra money


personally for you, freelance ah part time ah, freelance ya I think freelance is a good idea but actually now now the economy ah it kind of hard for freelancer


I mean uh but but hard but still possible lah still possible still you still can survive quite still quite comfortably, ya design a type of you know those thing you know those uh what about uh do you have a habit of saving how do you ensure your saving grows right now do you have any saving you do ah so wait do you or do not oh you do okay that's good


oh you oh you save that as fifty ya a'ah, oh, ah ya I just heard


basically right when you spend money ah never never use your credit card or your card you know the feeling of money when you hold in your hands right it feels very different so I honestly money you have to hold use cash is better I know ah this is a bit out of out of topic, uh how how would you spend ya actually credit cards ya do you do you what's your thoughts on credit card


eh, when we go ya ya ya actually like always we always hear them no money one the things they bought like don't know what they spend ya but I think I'll never get a credit card ah I'll never get one would you ever get one, oh ya the rebates I heard I heard the rebates is quite good I think how many percent ah then they'll discount what percent ah you spend money you get back money


twelve so much meh oh, oh ya I think I think is quite ya I also heard some some flight points you can get a lot of stuff uh, how will you manage your financial commitments before and after marriage have you thought that far yet


cause we are we are around that age already you have to save money for for marriage and all those stuff and then that's a lot of money I counted is like !wah! this is insane , no lah but you have to you have to think of the plan right now you have to slowly plan out like generally how much money you need how much you have to work what's the income you have to earn to even think about


like uh the problem ya is there a plan or you just still (hmm) uh something like that


uh but the but ya but the when the time comes hor it's going to be a very very big like a like a hole in your pocket it's just like oh couple hundred K just gone it's like !whoa! I guess, ah it's just a lot ah, it's kind of scary ya


ya I think just slowly save up for a really really long amount of time, no ah but we still eh ya actually true lah we're still at the start ah so still still slowly what about you do you think there's any strategies there's some ways you can like save your money all the way to get that car get that you know the new lexus I don't know if you want to buy a car


no you have to when you're working you have to get a car so you show off your colleagues like look at my car, survivor ah everyone wants the survivor guy ya we are not really on the the the glamorous side ah


!wow! man it's so , ya like all all of these


ya uh cause that one is actually long term right all the little lifestyle thing will will spend you a lot a lot of money so you should try and save


ya honestly never never buy like expensive car I I also learn a bit of like ah the money of your car it depreciates so much eh by year by year just like today you're buying something that bleeds money


oh ya , ya you have to really just not care, ya honestly don't do it you just slowly stay at the back save your money save your money invest your money into some financial plan actually I don't know about financial plans also do you think there's other do you know of anys financial plans you can save your money into


how about like in, somewhere to put your money in I I know some stock market stuff that you put in very risky DBS have some, (mmhmm)


DBS is it some saving plan thing , oh so oh is it something like that supplementary retirement scheme is this uh they have it as well, , I'm still thinking but that one the even if you you were to put your money let's say you put like actually I don't know I'm very bad in math or you put money in the but does the the uh interest rate is very fixed lah is like two percent two point five


ya hoard money me uh ya ya I I guess my personal hoards money ah, , no no I think parents don't do that ah if you could put inside safe I I can say put it inside a bank is worse ah I mean is zero point zero zero something I I remember something very small I rather put the money to like in some investments some much more fixed long term investment


ya remember I recently I told told uh told Chin about all the REITs stuff you you heard last time I was chatting about it, ya ya you know REITs ya you put your money into some investment it gets like the the dividend return all that stuff but then now is losing money ah so I don't know like guess I'm losing money on those


investment thing no no no no man I don't think so now no money in poly poly I don't dare to do those kind of things I'm saving money for survival poly is survival you know now now now still have a bit more


not very sure about it


random question how how would you like like uh oh it crashed, oh no okay how would you uh, uh allocate your your money for example you earn money how much do you put yours money to like savings expenses insurance investment all those kind of things


like how many percent let's say for savings fifty percent let's say you earn let's say you earn


oh you keeps physical money ah that's quite cool, no I don't don't don't don't I don't have that uh I should do that lah I really should ya (hmm) uh but I still I don't know ah saving money thing (hmm)


is everybody got their own little plan ah some people I I've seen right they have excel sheets on every month every dollar that goes in their, pocket that comes out ya I I think that one is good and bad lah a bit crazy, you're online and looking at the physical and actually my physical is better I recently saw like ya sense of security ah that's true uh but but honestly I need to save all the money for all that like little healthcare stuff


things may happen in life randomly you just have some like some diseases or something, ya but CPF is how much I don't know not a lot right I I I still think CPF is not enough


no uh uh you no !choy! !choy! !choy! touch wood cause honestly you you wouldn't you wouldn't expect ah it will suddenly pop out of nowhere uh don't , how many okay ya uh, (hmm)


income level I'm thinking of how how can invest , what about like uh let me think ah, what what advice do you think uh you can do to like retire comfortably


let's say if for retirement in singapore as I remember I remember is like sixty something or seventy I think quite old ah, sixty five right ya how how how do you think you can you can get there retire by sixty five I I recently counted is about one million dollar need about one million


no uh uh ya how far ah I see, no but do you have a plan do you think like ya (hmm) I can I must earn this by how much I must be earn this by like thirty years old or forty fifty


oh , oh no that's risky no no no you you when the moment you go to your company right then you realised there's a lot of little small little problems that you think oh if I were to stay in this company I have to climb climbing doesn't work anymore lester it doesn't work


no you can't really plan you can only plan by how much money you earn it's kind of like this is not so easy lester I I I thought it was going to be like that but the moment you go in is like oh I I guess it's not it's not so simple, I I I mean depends on which field you are depends on the field


no is is not about experience about the saving money part the money how much you would earn and then and in the past I thought you can slowly climb maybe you work for a big MNC and maybe work five years you get the experience use that experience to work on a smaller companybut with higher pay, it's kind it's kind of like I don't know ah is is is up to you is your own style some people can work for big company and work for like there for like next thirty years the rest of your life something like that that's very similar uh uh ya


, what about what advice would you give someone to get out of their debt let's say someone spend a lot of money in debt let's say her, very hard to cover


imagine imagine you get into a hundred K debt, ya ya how ah how would you what would you do about it a lot of people do you think they will just submit uh bankruptcy , but then hundred K,


(mm) very similar (ppb) but I think like (ppo), yup, still recording (mm)


negative experiences, lester you want to start this one we start off with ah, , you asking me this or you think uh okay ah heartbroken ah !wah! uh lester yes heartbroken ah I think secondary school ah secondary school


uh the thing uh there was a person I like but apparently that friend was uh like someone else uh so complicated oh no this story ah did I tell you about this lester about the heartbroken thing, I did okay did I I don't know I thought I told #jun quan# oh ya I think I did ya something like that lah just just liking somebody that the person like someone else but it like uh it's a bit complicated it's a whole whole whole network of like a little web what about you lester uh do you have any heartbroken stories


yours yours ya, cheated ah is it oh ya oh that that one that one is a whole whole harder thing


ya actually I think is a is a good thing to grow over eh but what was the situation, ya that's like it's kind of like uh


relatives ah every single time I think for relatives you like for relatives, I think the the mum side is always very nice the mum side is always like ya ya very nice very nice is okay then you're like oh very chill very nice but the dad side right is like very mean everybody is like actually right like no humour ya


look lah like the the dad side is uh much more negative ah cause remember I told you about the the my my dad side is all banker a lot of financial people all very mean one right all of them are not nice you know all of them are forever looking down at you one just like (hmm) this guy study design joker design what's that are you are you doing design not banking


everybody's doing banking you're doing design must be funny guy ah that's why and I think during my time will be during that and forever chinese new year dad's side on my ya I'm just not going to care just put on my earpiece do my thing just ignore the rest of them they give me money I happy they say fifty fifty I'm like yes that is good ya that's that's one time


no lah they but honestly ah I remember uh ya actually ya negative ah that one that one quite negative the dad's side is always very negative it's more old school chinese people, old school chinese people they have the you know if I have money I can look down on you you have no money or something like that ya what about you lester is there a time that you remember you looked down by your friends or relatives


oh is good way you know I think that's a good thing lester you you shouldn't take it as a negative thing that's a good thing, ah , ya I I think is is built in singaporeans ah is is kind of the way we are brought up and ya it's a work ethic ah I don't know lah it's kind of a double sort of service is is our own lifestyle ya don't don't need to relate to it just do your owns own style I guess


but mostly mostly looked down by friends was your friends like will they say like !huh! lester doesn't study or is it like something like that or in furious sometimes ah oh, but ability I see


betrayed ah I think very similar to heartbroken, , wait what, uh actually no betrayed is very different as in betrayed is like, much hard deeper lester betrayed for you you think betrayed is very similar to the relationship


no let's say we're friends do friends betrayed with friends ya, let us, really never


, , ah on it ya it's more like genuine to you to your own own liking and stuff


I I I feel this is quite quite common lah this this thing ya this this thing uh I think is mostly would people want to do what what seems are more popular and stuff uh is is your own life you can choose your own way you shouldn't be uh


ya man just just do it uh oh man this is very deep if you're going to die tomorrow what are your last words to your loved ones, (hmm) for this this one I think a lot about this quite quite often lah I think I thought of this when I was really young last words and all that stuff I I legit have a damn journal lester all the things


ya okay uh what about you start with you what will be your last words to your loved ones you can say one last sentence to your loved ones people that you like, your family, a sentence


what, I've lived a fulfilling life just that sentence or you can you can there's no word limit to give, ah no regrets whatsoever okay uh


no regrets (hmm) (hmm) so so that's it the sentence, ah, ah is about mostly like a reassurance !wah! is good, !wah! man that's true


last words (hmm) last words what would I say if I my last words uh last word last words , think for me last words would be like, ya I think very similar to yours ah like just being thankful for me I'll be more thankful of everybody or like uh write a little small note


on how the person change my life in my think and how much I care about the person like some some things that I really appreciate the person has done and and tell the person that everything should be fine that I'm happy they are there something like that ah mostly on mostly very personal, on everybody that maybe that after I die uh then there will be like little stories to discuss something like that


what keeps me awake at night, (hmm), !huh! really oh you for you you sure anxiety anxiety in what form, but from social anxiety or mostly of like of uh was it is it more general just general anxiety


, ah oh most of it


I think I think that's good thing ah that that one's actually some people feel that it's a bad thing lah you know social anxiety all uh it's kind of a way for your body to build ya it's kind of weird ya (hmm) anxiety, for me anxiety is mostly like existential crisis I'm forever on existential crisis ah so uh ya that's that would be one where there are though ah so many things that keeps me at night at this existential crisis there's like uh work anxiety ya so much uh a lot a lot too much already don't know


don't know what would be a good one to start ya, every dream lester every every three times every day lester , wait every which dream ah one dream ah


ah , ya ya is you ya that's that's, oh what team was it is there a specific team that you like man U uh ya man U actually man U people getting more depressed eh depressed every day I see ya


arsenal also oh, that's a dream ah I I there's a man !wah! how ah all the depressive uh, for me dream wise uh


think love ah, love love is a dream that is dying ah , !hey! man lester is fine man is fine actually I don't know lah ya for me bad experiences I guess uh that's one just dying day by day yes ya I I I guess ya (hmm) what are describe a time when you feel awful after helping someone


when you help there's the person you are like oh shit, help, oh ya, (hmm)


is there a specific incident that you remember of, oh ya big guy oh ya, ya I remember that time was he bullying you or something uh it's not really bully ah is more like he likes to poke at people some people likes to poke you know like poking poking poking forever poking ah some


now ya, ya why ah why , I think I think we have very similar experiences in that form that one that one that one that's the place that I remember remember that our party incident where I let him to my party then he was like


ya ya that's the one, ya I think that one that one is uh the time when I was feeling very awful I really hated that guy you know that the way now I think until now I still hate him but I think is fine lah right there's always one person is like that in your class that that's it's just like that ya but then but the one he did change though


with what body, of course he has high blood pressures what what angry I was I was surprised I've no high blood pressure, ya oh wait so he change it because of health issue oh that's one time ya but I I also I also I also felt bad lah like the awful thing ya I don't really want to help that guy (hmm) uh what's an embarrassing moment that help makes you cringe oh lester this one this one we always cringy one


lester I'm always cringing at you lester I'm sorry, ya ya when you do uh oh really you you that makes you cringe, no ah I think it's fine ah this is kind of action what's the tunnel mostly like others something that somebody has done that it make you cringe ya you saw like what uh yikes man like why why why why the person do that


actually we do yikes quite often right ya just think about it yikes , is there a specific incident, oh ya ya boomer oh ya oh I I recently saw a boomer and I saw wait singapore has a karen thing as well the karen thing where you like all the aunties ya what's the auntie right or is it


ya (hmm), so so that so you feel that was a cringy kind oh ya oh ya I saw I saw the video oh no I saw that one


I I went to like ya I mean by all the all the people really need their bubble tea lester they need their bubble tea, so that's one thing that I like ah my no no, for me cringe ah cringe uh


I guess for me also same ah boomers ah I cannot I cannot handle boomers with technology that's that's one thing there might no technology then they're like (ugh) I don't know how to use this ya uh that's one thing that (ugh) just cannot, uh cannot uh, do you recall a situation where you're forced to change your plans against your will you have to change something which against your will


is there a specific uh, issue that uh so so was there a specific situation like context little little context was it mostly uh


, uh like lester that one you have to do colour study where was it complementary colour actually actually I don't like how it looks but I think is mostly context I think is because the the background you put was was kind of uh plain


no no uh but but I think is is mostly on the presentation cause it's cause for us designers right we have to sell an idea it's a concept so I think the rendering itself is fine it's just the background the background was uh white so it by itself right it's different


no no I I think it's fine oh ya oh ya I remember fro or was it crow ya, so you do you feel that time was a really time that you have to change ah ah, no lah but, I I now I rethink about the the colour watermelon design I think can it can can be executed well I think just the the background if you change the background it will work work perfectly honestly it can be done one


I I think there's no bad design just bad context ya ya watermelon watermelon is it kind, uh, it's not really the world you know I I don't I don't feel the world I don't feel the world is always linked it


I think now ah personally I say two thousand and twenty is against me lester, actually I don't know ah it's it's not really the world is against me is mostly like until though is this kind of !wah! this one very very deep question I don't really blame anybody for anything ah I blame myself lah


where but let's say you always feel the world is against you do you every time I see you play always like oh why is the guy always chasing me why is the guy always chasing me why why me why me remember ya for me I also I break


and same here also same here lester remember yesterday I also ya I feel like uh ya I feel I feel like the the game yesterdayah I think the whole world is against me lester it's constantly chances getting destroyed lester


wait uh, ya I I I have to submit this thing this thing this thing is stop screen stop uh one moment ah it's crashed uh, oh why crashed, (hmm) the world is against me (hmm) oh no it crashed again


one moment sorry first thing always, okay uh the world against me ya mostly on the studies part ah I feel like the the education system is uh kind of against me


(hmm) oh wait the app just say recorded okay is is all burned ah uh the world against me is mostly on education I feel that the education system is kind of, messed up though it's kind of like I I see it deconstruct people to a point that it it defeats the purpose of education it has become like a elitism kind of way I don't know just just just something like that like just I feel that world is quite against me in a sense though


what about you lester is there another thing that you're against it, actually it's kind of the way you study yes everybody got their own style of study some some people feel is more old school right memorise it's kind of complicated ya


ya, uh uh I feel this one this one it's kind of hard ah cause for me I only know the personal experiences with my sister she where she thinks she's she's very bad at in academic I feel that everybody has a in in is is good at certain things is mostly on like for example what what you are good at is mostly based on what your interest is


for example maybe when you are young you like piano most of that guy will be good at piano then people said oh he's very gifted at piano actually that's not true though is just because the person spend more time on that thing that's why the person is better so I feel that one is the world is against ya, describe a time where you felt like giving up lester


ya is there, so bossiest project is just recently, ah, don't give up lester so mostly on the project


, lester lester there are difference type not good lester you go into those mood where you are quite self destructive not good lester that's not good, that that one that one have to build yourself up then I think that one is something with self confidence now you have to have to rethink a few few personal


it I I mean it's priority ah you have to ask yourself what you really want to do ah lester like a like a really really fundamental one you have to go very deep into on on yourself that one only only reflective for me giving up ah (hmm), uh so many man so many times I don't know ya I I think for me now is I currently I want give up my work ya work what work is quite done man work is I want to give up but I'll finish it first ah ya what what what is one thing I want to give up first


what about uh something that you want to change like what something about you that you want to change but can never change, that, , no no lester I think you will not gamble anytime soon the moment you start earning money I will see you


then lester now now you have small money you will start gambling then when you have big money you will start it it was like you know I don't need this kind of machines I'm going to go go on, other bigger stuff


lester you are still too young you're still too young slowly slowly slowly it will grow to it lester you are too young maybe when you are boomer age then I'll see you forever gambling then I'll see you become like you know, ya now you'll be doing no claw machine has no money lester you have to do it for money I I know of some people that


actually ah I think you you like doing things for ya I think you like you like the gamify system uh so you feel that you cannot change gambling this this addiction is it addiction thing your one your gambling


so you feel this one will never be able to change like oh no lester, ah that's fine that's fine as long as long, oh no lester


ya that's good everybody has their own own personal thing that they like I think for me I want to change but I cannot change (hmm), think for me is like talking too loud ah for me I want I want to learn how to talk softer but I don't think I'm able, be able to do, ya for me I think built from my parents ah my dad my dad talks very loud I think is mostly our passion ah the passion uh I think that one I'll never be able to change a few other things ah there's a few things that I I want to change but cannot change uh although ah some things is ya sometimes have to change


(hmm) , uh let's see uh ya ya ya ya, , is there a situation I didn't mean , is there a time


sorry again, !wah! this one let's go deep on this one lester uh injustice in the world, makes me angry


it's not it's hard [orh] (hmm) it's very deep ah this one injustice in the world that makes me angry no no no politics lester that one that was not let us not no politics politics that one you cannot said so ya think for injustice in the world


!wah! this one very very deep I think for me is like the the the it it don't really support this lah but like the the divide income ah where there's a way that I mean like government is supposed to separate the okay okay that's politics also okay never mind uh okay let us ya


what about you lester what do you have any positive experiences personally, okay I'm going to say uh what what what will you say is the best meal that you've ever had something that you eat that you're like this is the best thing I've ever had for uh ever


ya, best food like your best meal, I think best best meal ah something like a food mostly on food, like like like I mean just one dish ah oh so mostly


ah your is really well I agree ya best best meal best meal I've no idea what's my best meal lester what was that , no no the best meal you ever had lester ever had cannot be chicken rice personally I think I I book but there is a place in #bak kut teh# in singapore it's I forgot what's the name of it I remember when I was really young there's one #bak kut teh# store that's really


one of the best I I I don't know the name but I just know that was one of the best thing ever uh , what is the best surprise or a gift you ever given somebody lester the best gift , ya best gift


oh Origami, ya is, ya I think I feel buying gifts is not is not really very sincere but Origami ah Origami is very


oh really you personally feel handmade is worse ah, oh, ya ya kind of true ah kind of for us ya I think when I was like really young I made like a little like a toy like a little tiny guy with a sword and everything my cousin and even though now I see ah he still has it so I think this this one of my best gift I have given


uh but the what what what do you think will be the best gifts since someone gives a gift for you, what what do you think personally what gifts do you think will you appreciate the most


so you think it's a toy so something like somebody ah ya I think very similar is the idea of the gift not not really the physical thing, the physical is is kind of like it just sits there and collects dust I guess uh


oh I think I know what you like lester all your physical things you want to fill up your your cupboard right like cupboard, more figurines more figurines why not uh, no space already buy more buy bigger cupboard lah just buy more cupboards then you make your whole room like a cupboard so next time


ya correct like I think the moment you work you will start you will start you will start spending more money the moment you work you will like oh I suddenly have so much money what can I do with this buy more cupboard no not yet you will start you will start very soon lester you'll start uh , ya okay that's true that's that's so true uh in the post COVID world who and what are are you you thankful for your uh who are you thankful for after or before COVID personally


ya, is there anybody that you're thankful for like this COVID make you rethink about some people like you really should be thinking about like (hmm) , like I really appreciate my parents for washing my clothes or something like that uh I don't know do you have anybody that you're thankful for


really you feel you feel COVID doesn't make you rethink your your relationships with others, but with your friends then you're like


not guaranteed lester not guaranteed maybe what if COVID last for the rest of your life lester what what if that happens in


but recently oh ya true ah cinema, so so personally you feel you're not appreciate uh appreciative or really thankful for someone or somebody like like the


oh !wah! that's a very political rep answer I like that that's good uh (hmm) personally for me appreciative is for me ah I think a couple friends of mine ah during this COVID time, is a few friends that I'm like I really rethink that !whoa! these friends are actually really nice and uh they're very good so I think I should like build on their relationship and also a few broken a few ah and it's it's COVID actually rethink a few things lah


uh what about uh (hmm) what things, nah don't don't know ah social is kind of a garbage so is more is is a rubbish it depends ah you have to find someone you can trust I guess someone you can really really trust, uh what are the things you will look forward to when the pandemic ends I think for us both of us we have the same thing right we have the same idea you sure


ah travel same as well where where would you travel, oh ya ya taking off the mask oh I cannot breathe I I don't understand why need to wear the mask inside office that one I cannot understand oh okay the mask thing is uh okay


no you know what's the maximum security you know those kind of gas mask thing the gas mask thing I think that's maximum security you got seen no no no it's not very expensive I bought one of them is like two hundred bucks it's worth it, it it looks insane ah I don't dare to walk outside I I went I went outside to cycle I wore that right everybody look at me is like !wah! what's happening with that guy uh uh uh what about uh describe a fond memory you share with your loved ones do you have any fond memory memory of your uh fond


loved ones (hmm), oh oh ya for oh trip trip is kind of weird so so so how would you describe it what what what uh what situation was in which country was it


oh japan sorry japan oh sorry ya as it, !whoa! !wow! that's quite cool snow was it where where is it uh japan uh like oh oh mountain area oh that's quite nice


that's nice, oh that sounds really good oh mountain place mountain place is always always very nice, what what issue, oh ya wifi issue there's no internet, Ulu area (hmm)


thankful for but so you just mostly on the the snow ah so when you go to japan you're like oh snow is very uh actually ah , , oh so it's mostly you you you find it enjoy you enjoy the the idea of style looking at people that are how how to describe this that uh enjoy snow looking


ya observing people you know that's kind of shit ah tonight I think about it ya , for me ah (hmm) what's a fond memory, I think mine also like travelling as as well ah I think I was travelling with my grandparents uh with my grandma during that time I think I went to where you know like Beijing china or something I think went to china


I think it was like great wall or something I think I was climbing with my grandparents and I think I remember that was really enjoyful that was a fond memory think I'll forever remember that, it's like in the very cold and all of us is running I was like running with my grandmother I think I was like super small then run around like a little baby ya I think I tripped on the stairs


uh I don't remember much uh but ya just remember that was very fond uh, talk about a time where you experienced personal growth lester do you think any personal growth like you think you grown a lot, you have like personal growth


, I see, personal so you feel the the transition from SOTA to uh poly was a big one personally


, ya I honestly I don't think , oh your teacher call you to go ah oh I I didn't


, ya I think that was a good good change ah so you feel personal growth that one's quite big , personal growth (hmm) I think for me personal growth was (hmm) ya personal growth ah this question I still growing ah so I don't know any personal growth uh personal growth


uh what what let's see uh, , what are some of the things you uh have travelling I think for us we said about travelling already describe a time when you were helped by somebody in the time of need, do you have any time that you remember someone that someone where really helped you when you really needed it doesn't need to be a eh actually ya it do someone helping you recently


(hmm), so you you feel no you don't remember any time that somebody help you, no oh math


oh to help oh okay I see, ya but you have to be I think for growth you have to rely on others I feel relying on others some some people I mean, ya, ya best best ask for help uh cause honestly


ya, ya, (hmm), I see so you don't remember any time when somebody helped you that you like !oo! they that person really save me save my my my


, , ah I see (hmm), mind blocks for me think for me it was like a friend eh


uh of a secondary school friend during that time I was studying I was like I I was failing everything I I didn't really care about anything I was more like uh I just want to get out of here I will not do this, and one of my friend was was like uh really guided me like what to do tell me what to do tell me how much money I can save literally just planning out my entire life ah he was like give me the all the plan I think for me I think I already thankful toward for that guy ah


think ya that friend that friend really saved my ass if without him ah I think I'll be a very very different situation right now , , ya describe a time where you laughed too hard is there a time that you laughed way too much


unaffected after that (hmm), there are actually too many ah laughing too hard, oh ya


(hmm) actually I can't I can't really remember something that happens that will make us laugh too hard right it's kind it's kind uh okay for us is for us is our gaming session when we play games then suddenly we see #qin qian# uh friend uh, appeared out of nowhere just like still around around half dead with his health is like so low uh runs on the map still alive for the past ten minutes and doesn't die


I think that's our funniest stuff every time just see him running on the map just screaming down there like a like a child then something like that that's quite that's quite funny I guess , uh describe a time that you took a uh took a risk and you were rewarded


ya do do you remember of that time, really never a risk not not even small risk like for for example you you be like today I'm going to take the risky stairs today


oh, but were you rewarded with success lester you were like !yay! success


oh , within life you don't want to take any risk but I feel you have to take risk in life, sometimes I I feel nothing will happen if you don't take risk lah personally feel but ya of course it comes with a shot lor personally for me I'm like ah I don't dare to do that don't dare to do that but people around me I see right take so much risks and they are actually rewarded quite well


ah I'm like (hmm), no no lester no one knows what they are doing no one ever knows what they're doing you can plan for five years and your project will still fail ah but you must take the risk ah but of of course you must have a outline of generally what you want to do and everything


(hmm) risk uh personally take risk uh I guess I take risk from studying design lester personally I I was surprised that I took even took design I was IT from day one all the way to the rest of my life but I take design, okay lester ya you think you think


there are maybe not maybe not focus on say design but but uh ya true ah true I I think it should, ya but no no not true lester remember like remember uh do you still remember one of your friend called joel remember in poly that one uh one guy called joel


and so now recently right he got hired by EA and stuff to be a QA tester so now he's like a senior QA tester already


ya he took the risk and he got the reward lester it's possible lester it's very possible and he's paid quite quite well ah, no no no lester you you must you must take the risk that's why and you have to take the risk one , if you don't take the risk nothing will happen personally I feel it's kind it's kind of risk and reward ah this this thing but I don't know lah personally uh of course ah we are in the same boat we won't take any risk ya


, damn make it big ya true (hmm) it's not really for us it's more like not nothing we have ah is more like emptiness just


you can always go to the yanko top ten designs lester then go to yanko you'll be yanko number one designer you can always just do that, no lester but they earn good bucks that's all it matters okay uh what what how would you uh describe the perfect day in your life


like your perfect day, oh perfect day oh okay , no lester what really you were told back then in your life lester in your life, don't don't worry about the the interruption part in your in your life you you the moment we retire no one will disturb you lester that's quite depressing


perfect day lester it can be anywhere in the world lester anywhere in the world you can go to space you know you can literally walk with elon musk and inside is uh tesla car flying in space perfect day lester


oh ah, , lester you have no plants lester come on where's your plants shit come on man uh !aiya! uh (hmm)


that's quite cool that's quite cool perfect day so you feel much more grounded just have a much more chill relaxing, open up a tea then (hmm) drink the tea ah perfect day (hmm)


very perfect is by ya scenery oh my perfect day, perfect day is like on on top of a mountain on on top of a mountain actually same ah perfect on the mountain drinking tea looking at the plants taking out my drawing pads start drawing breathing all the fresh air ya ya I think that I think that that's all I need ah that's that's my perfect day I don't think


ya fresh air lester fresh air is very rare lester you'd be surprised I've someone smoking outside my house right now he still smoking man he's been smoking since the morning lester I don't know how much he smokes why is my neighbour all smokers one I don't understand lester why I'm going to get lung cancer from those smoker and stuff, I I I I my my whole room is a planetarium I've so much grass I see he still smokes lester I bought like two air purifier he still smokes as uh so I cannot do anything ah okay ah out of the I close my window already but it so hot I'm going to ya (hmm)


uh I'm I'm going to die of lung cancer very soon uh describe a time when (hmm) let's see uh describe a time where you can't wait to attend a special event or concert is there an event or concert that you cannot wait for, you should have many experiences with that


, is there a specific band, uh similar is there a, is there like a event in in specific that you remember a specific event


is there one like a of name cannot remember ah okay how how would you describe, I see for me (hmm)


why ah I remember the T shirt uh like actual posters all those stuff their resell value is quite high you know actually I don't know maybe not ya don't know, lester money is money lester you can take that money and turn it into other stuff


lester you're not a true fan, no you can use that money to buy even more VIPs it's a win win situation, oh I see (hmm)


(hmm) thinking, is there a period uh in your childhood that you would like to relive, and why that specific period, ya relive


oh ya I think I remember ya is there a specific time that you remember like how old primary school secondary school or even younger like that, primary school ah, climbing the school ah uh


damn true ah I also miss the whole time uh I think I I had stop but I I I don't remember much things about apparently when I was young I like running in the playground I always catch you know I I think I told you I just in in the story of during chinese new year right, I was like really smart I think like one or two years I ran to the big TV I tried hugging the TV I thought the TV was my friend and the whole TV fell over my face the whole thing was like stuck on my body


forever now ah I forever caught it's not cool lester I was I almost died lester the TV is so so big I was so small I was like boom I was like


oh okay (hmm) that I relive is there another childhood time that you want to relive but I think like just just childhood in general I just want to relive everything oh man more time to play lego play games all that little tiny things now don't have that freedom


really, let's play minecraft lester let's play minecraft


(hmm) what about sculpting go play into sculpting ah last time I called you and #jun quan# eh not not you ah I don't I called #jun quan# went take stock take but I didn't take it in the end, lester everything is difficult lester everything is difficult you have to you have to uh


no no no lester it's actually quite cheap you can shape or I teach you ah me and #jun quan# do was digital sculpting ah fair lah very different, lester it uh it seems like it's a trend lester it's a trend that you you scared of doing things uh lester I have uh three new printer but you've to learn digital sculpting first you could you have to learn digital


no no no that's not lester that's that's not digital sculpting that's ZBrush which is not the same


financial related topic, okay nigel you want to start


, ya I know what it is actually it's uh managed by my parents ah so they only give me a bit overview of what it is but I know that is is that every month uh some uh some sort around it the money get put into the CPF ah so there are different accounts


the normal one and the medisave one but I think my parents focus on the medisave one for my side then uh them and there are rainy times right the money will get transferred like I can withdraw the money to pay for my medical bills and stuff like that ah, so for now I guess it's that's it will goes into the part where I find a house for myself but then after that once I get a a suitable living and a proper job right the most of the money will go towards the medisave side ah


ya then uh, from there I guess I have to start learning more about it ah because now ah because I'm still schooling my parents do that part that side for me then once I'm done with my uh getting my


uh degree and stuff right I will look more into the CPF ah so uh that way I can focus more on my study ah ya


oh that one ah I think you can do is uh contribute to the CPF of your family and your uh siblings ah you know that that kills two birds in one stone ah in a sense you're helping out your mean family members right and then uh you get to reduce your income tax and ya and and all that ah


then I also read up that you can do a lot of strange thing like make donation of artifacts and stuff to museum ya but then that's that's very strange ah I think rarely people will have this kind of stuff lah like those uh, and donation is good because is


and donation also good and uh helping your family members is also good ah I find those are the best ah because donation it help out the needy and then the the other one is which help out your family and at the same time you reduce your income tax lah ya


ya I haven't I haven't get also because I think not yet not yet man, ya, ya it will take a lot it'll take up a portion of your saving ah this one I know ah, so what you earn is not what you earn your salary is actually not what you get in the end ah


twenty percent, is it twenty


and I in a sense that's good ah so you can put it in and then uh you can usually keep constantly getting money ah like I think most people take it I think most people take it for granted ah cause everybody like to spend money then they they normally don't save the money, then they always uh when it comes to rainy times they always have no money that's why I think all these kind of schemes are really good but then it's just underappreciated lah


, I think I will but I will have to monitor it ah ya, cause later I I don't know where everything go ah then it goes haywire


ya it's not bad what you have multiple layers multiple layers just in case, better safe than sorry ah for me


uh that that in oh ya that in the end depends on your income also if you earn a lot or if you don't have very little, ya, so it's really like we can't predict now ah you have to see what like how it goes on in the future ah once you get your job lah and all that cause I don't have my job yet


so I don't know how much I earn so I can't ya I can't really like gauge what are the plans I want to apply for for now


that one ah, uh we we I would start small first then slowly introduce like yet learn the basics of saving and that kind of stuff, then maybe for an amount of money maybe you give a few and then uh


you give a little bit of surplus so you can you have you have to know how to spend and how to save ah or whether that to use the extra surplus to buy something you really want or save it for the future ah so you give them a choice on what they want to do


and then uh you see how they react to it ah and from there uh you can teach them about how to save and that kind of stuff, ah, so start small ah just slowly add on more layer like all the different plans and all that


ya but, ya lah for children you start small ah you start with like like their daily income ah like ten dollar especially you you expand it bigger ah, no lah you you can keep you can keep like a a few ah you no need to put all in ah that's like quite sad ah


the only the only one I get to use is by my parents and the rest, is uh, I only can use my parents one but the the others that I received all all saving


ya I only can use one ah I can only use one of them only I cannot use the other one, ya, ya but I rarely I rarely spend it also ah it's just sitting there


like I think we all have one ah it's just that we don't really know ah, the me five year ago uh, don't spend so much cause last time I always buy a lot of figurines so don't spend so much


uh, quite a lot lah I don't want about maybe cause one figurine is around two hundred the tree thirty dollar ah yes


okay ah a lot lah okay just just say a lot ah so I guess uh, ya, last time I the last time I I would what you call it ah I would


not eat and stuff like that to save up to buy and then uh that is a bit uh desperate I would say so I will tell myself not to go into that hobby hobby anymore, ya man don't spend my money ya just save it all cause I realised that once you once you get rid of all the plastic right it's a lot of money in the end


increase my


, freelance part time but as a designer the best is freelance ah, it's very hard it you come out also very hard lah I would say so got to


ya but, design design hard ah design, ya I think I do eh


ya like I will if I get five ten dollar note I convert it to fifty and I keep it so everything I have is fifty fifty fifty ah so I can see how many I have then once I have enough right ya, then I once I have enough right I save it to hundred and then hundred I I leave it at hundred ah cause it's easier to count cause one two three four five six


now I got one topic about credit card like


the credit card one is good and bad lah actually in a sense you can fast payment but you just need to know how much money you have in credit card ah so I guess for most people their problem is they they tend to overspend because they want to get in on the latest the current trend and all that


then when they overspend their credit card got no money then their bank will have no money I think that's the typical occurrence occurrence ah, in poly I always hear people say their bank account no money so , ya


no ah is is good is good in a certain sense sometime they have the rebates and stuff, uh five around five five five five


oh that, that one, when the time come lah because it got so many different factor you need to sustain your partner the amount of money oh ya


, I guess I can still I guess I will follow my normal saving routine and see how it goes first then alter it along the way because you you really don't know ah uh when that time come so


then I guess uh, refrain from spending too much ah when you know you want to meet a commitment


ya then uh, when the time comes then you will I think you will get the feeling ah right now it's still free and easy ah, ya


oh I don't care I don't care about those expensive cars and whatnot as in for for me for me is just uh I earn enough to keep my my daily expenses going I happy already then the rest is just bonus and surplus


ya survival then uh, the the survival money and then uh basic survival money in the food then the extra expense, and then the income CPF for the offline so the extra expense would be the one used to fill hobbies and stuff I don't care about all the I don't care about all the expensive car and whatnot it's quite stupid to have one in singapore cause you can't speed


ya you can't if, you if you see from a logical perspective getting an expensive car make no sense because you can't speed it around, ya


is all the expensive things are just social status so if you don't care about the social status thing right you don't care about what people think of you right you don't really need to to overspend to get there ah and that's probably one of the reason why everybody has no money because they want their social status


ya man, for now but, uh DBS DBS have what DBS


DBS have the that one is ya I saw it somewhere, , ya ya the same it's the it's the supplementary retirement scheme I think they they provide for you


ya ya they provide some for you ya, sammy if you want to discuss all these right it's it's best to just go down to the bank and talk to them rather than what read a page off the internet


ya that's why that's why you have the people at the hotline, ya they withdraw all the money then they keep it in the safe I think got some lah


(mmhmm)


oh , ah, I thought you guys do the what ah the I thought you guys got what got do some investment thing back in the poly


ya no, oh no, sammy I have one question ah if my recording have my number is not moving ah I submit it then start a new one right


then is is is stuck is stuck on five minute, I never even press the stop button, okay okay yes okay sorry sorry I don't know why it stopped suddenly


okay okay uh where were we ah, oh my god it crashed, uh never mind never mind is back okay


uh, saving would be all the CPF and stuff but I will generally keep a little bit of money physical money in a corner, uh, if it's one K then uh I split them into ten blocks then uh twenty percent go to saving then the the physical money will be the other twenty percent then the the rest will be the the expenses that I need to do what I need to do you should have some physical money laying around just in case lah I feel


uh ya but I I like to see I like to stare at my physical money, ya cause it gives me a sense of security


ya ya, that's why you have the CPF is for that, is not [orh] that's why you start from young then you slowly uh build it up unless you are so unlucky to have a disease when you're young ah then too bad ah


ya lah, so maybe got some flaws depending on your health condition


fifty something sixty five, ya, depends on how far you progress depends on how far you progress in your company ah uh if you managed ya it depend on how far you progress man so it


I think I think for me best is you go in the company then you know where you stand first then from there you start planning


ya but, I said ya but then it it gives you a better picture of how you can plan your stuff from just rather than doing it blindly


I don't know ah you got the experience ah, you got the experience ah I don't have ah I still studying, oh


uh, get out of debt uh once you get into the habit of spending money you will have to come out from it ah unless it had some life changing relevation or something like that ah most of the time people will just keep splurging the money


is is, in a sense when you buy all those expensive goods that you cannot afford yourself and you know it yourself, that's in a sense spending a lot of money already but that's not going into debt because you have your parents to help you with your money so imagine if you don't have ya imagine if you don't have the parents but you still spend all the money so uh


I would say, I think people will not uh will not change until they understand the gravity of the situation so you have to experience it first then then through the hardship they will change normally is like this lah


negative experiences, when was the time you are heartbroken


ya go ahead man, I think you did ah


ya you did man, , uh similar is similar but then uh how do I say ah


got cheated on ah ya, but but that is uh in the that's in the past already so I'm okay with it, the first the first one is the first relationship normally is not always successful one ah so to me I take it as as learning point ya


then was there a time where you were looked down by your relative, oh no


oh ya ya ya,


oh man, except for more except for more money saved to your bank ya


, , uh I guess I guess friends back in SOTA when you cannot study very hard they look at you like someone kind person, cause sometime they in SOTA you like there's a little bubble where you have to then you are stuck in the bubble ah uh some people they they have this very into and crazy work ethic right that I cannot match because I like to enjoy life uh but they always study


and then they always uh ya then then they always look down because they think you cannot study, then they always try to strive to be the top which is very strange ah, I feel ya is is the work ethic ya but but


ya I cannot relate to it ah, ya man friend ah friend ah, something like that ah sometimes ah sometimes


then uh a time where you felt betrayed eh that's similar to heartbroken ah so we shall skip that if you are going to die tomorrow what are are your last words to your loved ones


if you're going ya, we treat the same answer I give just now if that's the same [orh], friends betray ya ya


to me never happened before ah but then uh, I guess uh back in one time got one guy who liked uh have a similar interest with me, but then because of society pressure ah he stopped liking it ah so back in the time we used to like uh Anime but then because after a while right because of the people around him don't like then he changed and totally do a one eighty in personality and stuff so I guess something like that ah


ya I guess the person couldn't cope with the social pressure, ya man


ya ya that's why that's why a lot of people put up their facade ah, uh


ya death note, (mmhmm), I've lived a fulfilling life I've lived a fulfilling life


that way I can I can I can go off uh with peace and everybody knows that I've no regrets


cause cause if you are gone you want to reassure them that you that you uh you know survive and your life was great ya rather than you adding more sorrow to it so ya


ya eh ya, so what keeps you awake in the night, I would say anxiety ah


, uh, in general ah in general ah ya like when I start thinking about like if I get a new pet will it survive will it die then I just I just like shit I cannot sleep


or or maybe uh, when I do a project did I do good did I do bad then I cannot sleep again


then uh what dream of yours die a little with each passing day, oh no, ya one and one that's one


I guess mine is soccer player cause I want to I I have to play for the team I support so now it's gone, man U man U


uh, man U and arsenal no arsenal is the one that get the most depressed it must be sad being a arsenal fan


eh that's that's that's a bit too sad eh come on,


awful after helping someone, I guess when you don't like somebody but you still are forced to help them you you feel awful when you help them but in a sense you feel good also cause you help them so it's a bittersweet moment


oh there was one guy uh you know the he was in class you know poly got one guy right the weird guy he was he was just he was like a the like some bully guy you know smoking and stuff, ya


and then after that right, took a one eighty change for some reason then after that I helped him then I still don't like it but I feel good at the same time cause I helped him so it's a bittersweet moment that I don't know how to describe


ya ya that's the one ah ya ya ya I my was somewhere around there also, ah he okay already man after I think he got this, uh this issue with his body then now he okay already guess he


I think he got the high blood pressure, that's why he stopped smoking then he he he really changed he really hundred eighty degree change ya health issue health issue


embarrassing moment oh when I anyhow say when I anyhow say things ah, when I anyhow say things without thinking ah


uh, now okay what, uh uh okay [orh] boomer and karens [orh]


uh mainly boomer ah, or or people that queue up for bubble tea shit when there's a COVID situation, that that one I don't understand ah so I will cringe ah, I mean like ya I mean like


ya I mean like is it really that desperate must you really drink it, ya I don't get it though I I that's something I will never understand, ya ya


, got a lot [orh] and all this kind of things one like suddenly somebody cannot make it for for gathering then you have to change your plan even though you plan it


uh I guess in terms uh of FYP got one moment where my, my colours were really strange but I thought they were nice but in the end I changed them I think you should know ah the the the modular air purifier it was a watermelon ya it was it was a watermelon


ya at that time I I was quite adamant on it I don't know why ah I thought it will look cool, ya


I I don't think it should be I also don't think at that time it should be chromed ah but now I look back on it it looks quite strange but then when I was doing it ah I didn't want to change it then I was that I had to change it in the end, then I was salty but then in the end it all worked out in the end so I'm like okay


ya at that time I don't know how to do the background, it (ppc) is there a time where the world is against you


is there a time where the world is against you, scott pilgrim man


, no lah this kind of question is you know how to answer or not this one is right, when you have a certain interest that you like ah that's so specific that there you are that minute population in the world ah you feel the world is against you already


you know the game is designed in such a way you have to kill there's the speed character for your character to be for their character to be doing something ya


that is because you don't know the the mechanic and the movement or maybe cause you cannot react fast enough


oh no


not all not all people can learn a certain thing like that [orh] that's why, so, ya is the way you study, sometimes you are just not good academically mah then that is uh either you accept it or you think that uh you are too good for them ah then you will feel that the world is against you ah


ya man, ya


giving up I a lot of time eh when I do my project every time I will just tell myself to give up I I don't know I got this reverse psychology mentality I just tell myself to give up then after that I will not give up, ya it's like reverse psychology to myself ah that's what I always do that's why you see me uh doesn't depressed ah


ya man


ah man, uh the urge to gamble I guess, in in game only in game only


nah I don't gamble in real life the the closest I go is a claw machine, no lah, no I I I don't really like casino cause I find it boring ah I cannot get a toy or anything out of it when I go when I go before I don't like


no lah you see me you see me the the the god of claw machine ah, no I don't do it for the money I do it for the prize


ya I like the prize, it's not ah cause I have a certain step certain amount that I'm I will only be willing to spend ah so I would not exceed that amount ah ya I won't chase that ah ya I don't think I can chase that so so that's where I get joy man


the the joy of the joy of getting the the the box and toy ah that one cannot replicate one eh


that one is innate that's innate that's why you can diverge in it


then, injustice of the world that makes you angry, injustice of the world that makes you angry, the world


, you can go into politics now eh if you want to


karma, a caste system [ah]


positive experiences, you were supposed to say it uh (uh huh)


the best thing I ever had oh best meal or or just best thing in general, best best meal is like go japan and eat my japanese food that I like a lot that one you cannot rival ya just go there to eat my wanted to eat my beef lah happy thing happy already


that's the beef mans then, you can just say chicken rice cause you're singaporean


that's quite hard to I'm, the best surprise that I ever give someone uh, Origami presents , , ya things that I fold myself normally people always buy gifts for other people so I make gifts instead for them so it it gives a more it gives more value to the gift ah rather than you just buying something cause everyone can do that


ya but but people people people always uh want new things so they appreciate the new the the the the gift more than someone who handmade something ah, it's like that lah, normally people want to have a new product when they think about gift ah


someone give a gift for me, for me for me it's the thought that count ah not the gift ah actually


ya ya ya rather than the gift not the ya ya, unless the physical is something I really like ah but then normally is the thought more important ah


a colour, don't want any more no space already, no lah cupboard full already cupboard all full already you all cannot


nah nope, nah I stopped buying already man I only been there for claw machines, nah I I stop already I only been there for claw machine


before or after COVID


not really eh , uh, I mean in a sense, I mean in the end we will still find a workaround to it what so unless it's really like


but things are slowly returning back to normal ah it's not as if it's like uh uh like a two year thing where every where there's a sequence that change required like you see the cinema


cinema now last time they say take so take very long to open but now it's opening in like july so slowly by slowly a normal life is like coming back already so, we're thankful for the workers that actually uh work very hard through the COVID ah


uh more social links more social links, ya


and the main travelling ah travelling ah travelling, okay okay I'll say something I'll say I will just say taking off the mask ah


maximum uh maximum security will reduce the chance of you falling sick, no one can afford that, no one can afford that maybe army can ah


fond memory, okay [orh] going on trips with my family [orh]


that's when you like, I think it was in uh japan again ah cause we always go japan then uh


we always go to play then ah I see my little brother see snow for the first time is like cool, mountain, ya some very Ulu place ah then you cannot go back to the city anymore


ya then, ya the only issue is there's wifi issue ah so so wifi issue because it's really in the Ulu area ya


ya man seeing people react to things they never see before is very interesting eh, in a sense is observing people ah but the ties is with the being a designer ah need to observe people


personal growth, okay lor when you and then when in SOTA I cannot make it then I go to poly and I realised I can build on my failures and turn it into a success, ya


ya because in SOTA I couldn't deal with the academic portion and I thought it was really an arts school but in the end it's not so quite disappointed, then in the end I go to poly it was more focused on design through my teacher recommendation and stuff they even ask me to go poly so I go


ya she's like need my my the work here is not for you since you like to make stuff, uh, then I go poly [orh], ya ya


in the end it


in the time of need, normally I I help myself and not people help me


I I don't want to to get help one [orh] normally I always like to figure out the problem myself, until I really cannot then I will get the help, ya ya man more more space for for growth man to learn new stuff uh


ya lah that's why that's why uh normally if there's a problem I would just solve it then uh give a few solution then I go talk to the people for help then from there alter alter a bit


get into a heated discussion then come back think , uh, unless you count those time when I have uh


mind blocks when designing my project then suddenly my lecturer walk over and give me a suggestion then bling ah something like that ah


cool, oh


laughed too hard unexpected uh unexpected happenings ah, there there's too much there there's too many ah I would say like ya it's all those it's all those strange occurrences that occur in a day that goes against the balance of uh what you consider normal


ya ya ya ya ya that that one ah


ya that's probably it already ah yes ya that's uh that's probably it already, times when you at took a what


took a risk and was, involve rewarded uh I only do that in game eh I don't do that I don't really take risks in life eh, I , okay ah maybe design ah maybe maybe for my design I will make it build more bold as one of the few example of the design that I'll show my teacher normally that won't get accepted ah ya


you know like the the idea always start start from me discussing with my teacher ah then uh from there we we finalise the form, but if it's if it's a take risk and reward with like success hundred percent success right uh that works more in game ah I feel


uh ya


if you know what you are if you know what you are doing ah then ya by all mean ah, ya


no actually the biggest risk is uh game design ah


you you when the time I I see someone go game design I probably won't see that in singapore anymore, anything related to video game cannot one ah


I guess, cool


but, oh, uh but the success rate is like quite low ah not for everybody ah


I'd say design is very subjective lah so when you take a risk ah !wah! you either you make it big or you just fall, and nothing really happen you don't make a name for yourself


no yanko is dumb yanko is dumb sometime they don't make sense, a perfect day


I go I just go about my life with no one interrupting me ah, maybe


ah the perfect day okay [orh] a perfect day will be me going out uh looking after my plant after that go feed my fish then after that uh you know


nah I like to be I like to be grounded to my uh I'll just look I'll just look after all the multiple fish I have and my plant and then slowly turn my house into like a like a botanical garden stuff, I have a lot, all my plants are cactus


ya just chill life man, ya man, sit down and enjoy the scenery maybe draw the scenery


oh ya fresh air fresh air is very hard to get ya fresh air fresh air, I don't know, gratification man


you close your window ah, then you


you pour smoke back at him ah, uh, okay ya your favourite band ah then then cannot wait ah every day check their instagram ah then every day look at each band member insta page see whether got update ah and see the story ah


then after concert uh look at their story again, after that, uh okay [orh] my japanese band that I like


they come to singapore ah uh scandal ah, I I go to all their concert and they come singapore so, so every time I will try to get the get the autographed poster ah ya


nah I want keep it I won't sell it who will sell it if you sell it right, if you sell it you are not a true fan man, then what's the point of you attending what's the point of you buying the VIP if you want to sell it after that


nah I want I want the I want the hand signed autograph leh, not not the printed that one


and relive appeared uh when I am young ah cause that's when your imagination is the best ah, I guess primary school so cause you are smaller you can you can explore and climb things more than you are you are now ya so the sense of exploration is uh way bigger


the back in the time ah compared to now and back in the time when you're young you always like to run around take all the risks so I like that specific period but now you're more grounded to reality


oh that's cool eh oh , you can enter the TV world, when you enter the TV and find some shadows ah nothing


, I think lego now lego is best enjoyed when we are older uh best when you can you can uh you can look at all your surroundings and then try to


to make all the things that you see when you're young you just when you're young you just anyhow build it nah I prefer to touch it physically I don't like to click click click click click very boring, (hmm)


sculpting is very difficult cause you need the the pottery you need the tool, ya lah ya lah but no in terms of the the availability is very hard because you need all the tools and stuff then you have to go to the pottery workshop everything, you need thes there's a spinning thing you need the spinner


then you need the the specific tool to get the serial pattern and by the time you are investing a lot already to just do one sculpting picture then at the time I will just tell you ya at the time I'll just tell you threeD print it out


ya we we got we got learn [ah] we learn the rhino then you can learn this, almost there [ah] almost there


part one financial related topic, uh so we just go through the first question what's one financial advice that will give yourself five years ago


uh !wow! #jun jie# you wanna start with this


okay I think for myself one thing that I would have told myself five years ago was to be be a bit more daring uh in the sense of investments and uh buying into funds or stocks, one large issue back then we were still studying I think I should have just taken a student loan uh and then just started investing at that point of time felt feels like we're wasted quite a few uh good years to to get the money snowballing


so I think ya taking a bit more risk and thinking a bit more out of the box would have been a better idea than to be so passive and to just hold all the money inside a bank account waiting for it to, just stay stagnant for graduation felt like you have to done a lot more back then


ya, , okay should I DIY or get a financial advisor okay I think this one maybe I can start of with sharing a bit for uh myself I started working with a financial advisor about


three years ago two to three years ago and I think uh it was a excellent idea to to do that because mainly I'm so caught up with work right now I don't have time to, constantly review my policy review the funds I'm buying, so I do speak to my advisor and then just ask for quarterly if not yearly updates to see how my funds are growing uh what's happening to my money what are the newest trends


even like like right now with COVID nineteen happening he's sending me updates to say like okay so this is what happen we're looking at this country this market looking to grow in the next couple of months so we can start to look towards investing in that so, uh I think having a financial advisor will leave a lot of free time for me to start planning out other uh uh to do to handle other aspects of my life which is why I I would say I encourage it more than DIY unless you really love


researching on finances ya but what about you


(mmhmm)


okay uh alright, let's move on to the next question , how do you manage your cash flow okay , think that's something that we've been discussing for a very long time uh in terms of cash flow management ya I would say to allocate savings expenses and or I don't do a fixed percentage I basically work out


what are my daily expenses that are unexpected so even for now because uh with COVID situation and all the expenditure was significantly less but I do plan out what I expect myself to spend on a monthly basis that includes transport includes on food


activity shopping so the budget is usually set to a bit slightly higher, uh I would say a slightly higher tier because I do prepare for in case of emergencies let's say I need to buy you know like clothes or whatever it is so some months there will be lesser spending some months will be more but on average I set an amount


and I I stick to the amount so that's how I budget for my expenses everything else goes into savings and uh, from there I start to work out my investments lah so I'll say I'll set aside quite safely ten to twenty percent for investing, the rest will go into savings lah for the remainder itself other than that for big ticket stuff like you know holidays uh buying a new


uh entertainment let's say for for computers you know you wanna buy a new device a new playstation five that kind of stuff I only do these things when bonuses come in so that's when that's how I segregate to make sure that I don't overspend and I don't save up for something that I don't need it's more something that I want


, okay, okay so for the, what can you do to earn extra income I think earning extra income right now it's a very big word that we see nowadays everyone is talking about how you can supplement your income how can you live off dividends to retire early


I would say right now with our current age and like just starting our career it's a bit difficult, to get all this supplementary so called income uh I'm looking at trying to get dividends but even right now when I get the dividends it's reinvested into whatever funds and buying into


to grow the fund further so that I can eventually sort of you know take out that fund that that that sum of money to put into a better fund that can give me even better dividends so it's all building towards extra income in the future but I don't think it's something that will give me immediate income that will improve my standard of life now


how about you, (mmhmm)


, , okay the habit of saving money I think pretty much we do have a habit of saving uh saving goals itself I have


rather different goals not savings per se I do hit the amount I want to save as long as I don't exceed my expenditure each month I would say I'm saving the right amount but my goals are very much more towards investment at this point, and uh just putting as much money as I can to my investment so that


when I do need my savings I can reap it out but other than that itself I've already achieved my saving goal for what I plan for, so that that sum of money that I set aside uh it's my rainy day fund that in case anything happen so I think I am quite on track on my saving goals but of course you know everyone's goals can be improved to


uh get more, savings in that sense you never know when you need it


uh okay, so so how do we spend our money, , uh I think most of my expenditure for now, just occasionally there will be a bit spend on entertainment but I think a huge bulk of it all go to food I think it's the same pretty much the same for you lah


we we spend the most amount of our money on a month to month basis on food, and, that's that's is what I feel that we are spending too much on, uh eventually of course I hope that you know once I move into my own place and all I'll be able to spend less on food cook more at home but as of now with you know phase two of of circuit breaker and all and uh and moving out of phase one


we are expecting to go out more often you know we are likely to meet up with more people and I think that slowly adds up and it's something that I feel I'm spending too much on lah


I mean speaking of big ticket items the next question uh I think covers big ticket items so it talks about how we're going to strategise or how we recommend someone to plan for big ticket expenditure , okay so I I think I think there's a lot of things we need to start planning for at our age right family you know


parents might be retiring soon starting your own family to have your own children buying a car buying a house I would say, when you are looking at such goals which are huge and the commitments will be a long term one uh it's a lot more on focusing


on cutting out what is not necessary so while last time you know when we started working and all we could go out for drinks every night you know you can go for restaurant meals and stuff you don't have to worry that much because you still have a while to build up your savings but once you you get into that house loan


you know you need pay that monthly mortgage you need to start thinking about, how we are gonna to cut back on these expenses, I would say you know spend less on eating out spend less on meeting up with your friends if really you all need to meet up call them to over to your house to eat a simple meal or something


making I'll say rather large sacrifices in terms of entertainment and uh your quality of life will definitely take a hit maybe less watching movies out if you already subscribed to netflix watch more movies at home so all these things will add up, uh even though it's about ten dollars a day twenty dollars a day slowly bit by bit they do uh add up but other than that I would say you don't need to worry too much at the same time if you're talking about buying a house you have your CPF that that does huge quite a huge contribution to your mortgage to help you up accordingly


but you know if you can avoid buying a car of course I do encourage you not to for now but, there are there are many different strategies it really depends on what you are willing to give up and what you are willing to sacrifice lah and based on that itself you should it should help you towards planning for this bigger ticket items


yup yup I would say there's that there's there's accurate there's one of the best way to do it


ah I think I agree on that , another way is that to, you know I would said set aside a sum of money to put into some short term investment that can reap you some, small returns but better than your bank I think you have seen all the bank interest rates taking a hit and all so you can start planning for that also by putting in a monthly uh sum with you and your partner or whatever slowly putting aside every month


so you can slowly build up towards that housing goal because I would say getting a house is a very huge commitment and a very costly one which is one of the biggest uh so called investments that you will have, uh at this age lah the next question about how to manage your commitments before and after marriage uh


long way to think about this but I think I think I think uh looking at at uh managing financial commitments definitely you will have to be both parties working on it together to set aside time to discuss how you are going to be planning for this


there will be a lot of different considerations [lah] but I would say (um) it's gonna it's gonna be a two two person kind of (uh) approach on this both parties will have to discuss to see what you want to sacrifice and what are your main goals


part three negative experiences, uh okay, maybe want to start off what frustrates you


(mmhmm),


(mmhmm), (mmhmm), (mmhmm)


(mmhmm)


, (mmhmm),


(mmhmm), okay, I think one of the biggest frustration right now is job hunting I think regardless of while whether you know we're in uh we are being in a secure job or not right now uh the job market on its own it has not been the best and I think we are all facing the same frustrations when we are trying to look out for something better


so while I like the past where maybe you you set up fifty to hundred resumes you expect to get back about ten responses at least uh now, maybe you're sending over hundred or two hundred resumes and not even getting a single response that's just how bad the market is and I think that's pretty frustrating for people who are job hunting which would also of include myself and


uh the frustration is that you don't know what you need to do next in a sense that back in school you're always told on what you're gonna be doing next right so after your PSLE, you need to get good results right you go into O levels O levels you get good results you can go into JC or go poly course get a good GPA get a good A level results go into uni focused on getting a degree so


at least every single time you don't do well you'll get a report card that tells you maybe you are doing bad in maths you are doing bad in science what you need to do to to to tackle it you'll get back uh question paper that tells you what to focus on like okay you did bad at question eight maybe is on binomial distribution right you can go on focus and study that topic but


right now in the job market because you're not getting responses you're not getting any feedback no one is there to tell you how to get onto the next stage no one can guide you along to say what you can do uh there's only so much reading can help you up with when you understand what people are doing and, even then that may not be the


right, skill set to pick up at this point to go to the next point I think that's very frustrating on its own sort of adulting in in general it's very frustrating because you just don't have an answer to go on to what's next you don't have a guidebook that tells you what's to go what to go onto next and


this on it own is is is so terribly frustrating because there that there's really nothing we can think of to to actually, uh a guide us along to the to to make sure we're on the right track lah we can only assume that whatever we're doing I mean most of us are don't know why we're in the same careers that our parents choose back when they were working or you know back when it first started out so that's even more frustrating cause you don't know who to turn to and to ask questions and ya I'd say


this is extremely frustrating to me more frustrating than any other things that I could face in life


, , (mmhmm) (mmhmm)


(mmhmm) (mmhmm),


, ya I agree I would say, we can only hope for the best lah to when we are settling this kind of thing but I think this leads on to a very good uh question uh regarding , sorry I messed it up uh


yes what what is an issue that you get very upset over and you feel that the world needs to do more about it , moving away from the world I think looking at singapore right now with general elections and all I think there are so many different topics that are being discussed uh huge one is on unemployment the needy in singapore social


social services how we are reaching out to them elderly population healthcare I think all these issues are something that singapore has to work on in a, in the huge way in the coming few years COVID itself was a huge wake up call


in in a sense that we took us quite a while to react to it and even though we have been train so well I would say you know you've seen so many different policies being implemented crisis teams being established in singapore to take on a a huge thing like that


I think there's still so much more to be done especially in the terms of healthcare we are still lacking facilities and I think every country is facing this issue because we are we a lot of places are facing an elderly population so, I, I just feel that this issue is there's so much room for discussions I just this afternoon I've discussing in my family as we're talking about what can be done to help help people and there's there's just no simple answer to this I don't think any particular person or group would be able to


come up with a perfect solution but this is definitely, something that has been frustrating to a lot of different people and I speak spoken to so many people who have lost family members or even you know uh friends who who, uh due to these healthcare issues not being able to get a right medical attention at the right time getting the wrong medical attention giving getting a wrong medication getting


you know, not having enough money for for such things and I think this this it on its own is a huge issue that we're facing but what are the issues that you think we are facing


(mmhmm), (mmhmm)


(mmhmm) (mmhmm), , (mmhmm)


(mmhmm)


, actually , this this mental illness topic is very interesting it's something that has, been discussed quite a few times I did uh worked with


one of my friend's project there was discussing about mental illness back in uh final year university as well so they were actually discussing and uh very, unconventional they were approaching they are focusing on males their target audience were actually guys in their uh twenties to thirties who were facing depression and the research it was it it was interesting goals launched by a group of four girls that were talking about mental illnesses in singapore and they said that uh


typically guys at this age they're afraid to speak out and even when they're married and all they're afraid to speak out and that, that results in a lot of, pent up aggression pent up anger uh and sadness and that's how it leads to depression, because they're always expected to be the man of the house at twenty something to thirty they are expected to take over your dad to start earning and bringing home more money


and uh they are expected to take care of the family once you get married there's uh so much expectations on you such that it ultimately leads to them having depression and even when they have depression they don't dare to seek for medical treatment they don't dare to speak out they don't dare to tell their wives about it they don't talk to their parents about it cause they will just look weak


and that resulted in some uh I can't remember the exact numbers but it was pretty shocking that I think about almost seventy percent if I'm not wrong about seventy percent of suicide are actually male, and


that number itself was shocking because you know coming, where as a guy I never thought of it that way I never thought that you know guys will be the one who, who who, commit suicide you know you see most people most guys is being more macho not showing their feelings but that doesn't mean you don't feel anything and uh ya so I think this whole thing about mental illnesses and depression


it's also a huge topic that resonates with me and I feel that it's something that singapore is working towards uh not in the sense that how uh, our government is dealing with it right now unfortunately saying things like don't declare in your applications don't declare that you have mental illness you know


you shouldn't beat us while I feel that, it does had form a certain stigma if let's say I have depression and I'm looking for a job uh I think it's not only for the person applying it's also for the company because they need to see if they have the resources to tackle somebody with such who who might requires certain attention if I'm already medically certified as depressed


right and I apply for a consultancy that requires me to work, fifteen hours a day sixteen hours a day and you don't get enough rest I don't think that will be the right career path for somebody who is currently facing such uh a serious mental illness so while I do feel that we are progressing in terms of being more open to mental illness and we're trying to make it a more open topic to discuss I feel that


when you ask someone not to declare it it might create further problems for the person because what's gonna happen is what if this depressed person gets the job and then he starts working and then after working for two weeks he feel that it's not for him and he wants to quit but there's a notice period he need to serve


and then in the end he cannot take the stress and he does something quite drastic, right , and I think that it on its own was quite scary to me lah I I don't know I don't know about about what your thoughts are what other people's thoughts are about this topic about people you know not having to declare uh depression and stuff like this ya but what do you feel about it


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


(mmhmm) (mmhmm), (mmhmm),


, ya I agree I don't think uh I don't think the media is doing a very good job at presenting how depression is supposed to be like, in a sense that every single show you watch is shows depression as somebody lashing out somebody screaming shouting and begging you know


asking somebody for help and and, I feel the whole portrayal is wrong cause the people who are really depressed in singapore they don't usually ask for help and that's what's scary , it's not the fact that they they you see them, you know like in TV shows you see them kicking the kicking the table at work screaming and shouting making a big fuss out of things but in real life when you're having a depressed coworker they don't necessary react in this way they are just quiet at their desk they are just doing their work they are getting things done everything when you speak to them they just tell you everything's okay


but, the depression has already started and I think we have seen friends who have undergone such a traumatic experience that caused them to be depressed and, it is just so unfortunate that there's nothing much that people can do other than to try and support them and it's a huge it's something that snowballs very quickly they they get to the point that they feel that they themselves are useless and from then onwards every single thing that is said to them they take it personally and they feel that it's


tell them to think positive tell them that they're great tell them that they're good people it's too late they already down that track already and it's only when they finally managed to come to terms with the fact that everyone makes mistakes that everyone will have such bad experiences then they can pull themselves slowly out of it


I I don't know whether there are any perfect solutions to this but I think, , mental illness and and all this there there has to be a lot of work uh done for it lah,


, , ya I agree ya and and I think


this topic is one that frustrates me a lot, because like I mentioned previously I I feel that I I like to come up with solutions and like to fix things in that sense but, this problem frustrates me because there seem to be no solution like no matter how much you try


, whatever methods you can think of you can read out a thousand at one articles you can go and see all the different life changing stories that people talk about how they have been held out of depression and they become successful when you try it out in real life it's so different from what you expect and