I love music uh, I like to explore new songs so, actually for me my kind of, my cup of tea is to just like my cup of tea is to actually like


put all by, headset and just like go for a walk and like listen to songs just like, I know just like chill lah like just think about like life and all so ya


okay to be honest honestly at night because in the morning I'm still asleep so is at night


uh what I love about myself, I'm happy to say that, I'm actually a very positive person also uh, even though, like I see myself as, this like


a person that is like big and like ugly that kind of thing I've never like downgraded myself uh been super positive about what I look like and I've been trying to, be a better version of myself


but it's still not hating on what I look like previously so, ya to me is like ya, ya ya like you just positive body image for me what about you, yea yea okay next


ya I can't even count the times that I laugh too hard, , okay but honestly there's this video that I recently just came across uh, this group of friends ya so this group of friends they went for like uh stretching right and someone is like stretching your body for you


and then, while this person was is like in a position while the person was like, during stretches on her she accidentally farted in front of everyone, so


ya that's pretty wild I laughed like very too hard only for that type of video, ya how about you though, ya


ya, err, what is the proudest moment what's the proudest moment of your life, me is , probably when I completed my intern uh because it was a very


hard, experience so I actually wanted to quit halfway but I didn't because I got a lot of support like so many people supported me and I completed my intern so that's honestly one of the proudest uh moment lah so far what about you


nice


ya that's like so good, okay so , what was the best meal you've ever had, best meal,


if I got to be honest honestly when I have like malay family gather meetings right, like all my aunties like when they start cooking oh my god it's so, it's so power like, oh my god the food is just


it's like so homely you know, like you have ya


definitely home cooked food, ya nice


ya we eat so much but that's how good it was lah


part one finance


okay so the first question how do you invest your money to accumulate wealth and our planning for your retirement, ya


okay for me I don't I don't really know much about investments so let's just skip to the next question okay uh, strategies strategies uh, I recommend okay for me I would say like uh


start saving early and also , since I don't know much about and stuff right I would suggest like getting advice from, somebody that has already done it like there has like experience in this kind of things and basically uh


ya just have to planned years in advance is not a is not something you can say like oh I want to do this then after that can do,


okay so for me uh I don’t usually spend a lot of money on like shopping and materialistic things like clothes and stuff only do that like, like once in awhile but I usually spend my money on daily necessities such as transport food and my own phone bills cause I covered that on my own and if anything expenditure is like justified if you are cheating yourself


for uh new experiences like travelling or like trying new things trying new food I I love spending money on food especially like trying different different restaurants so to me expenditure is justified once you were like trying to get


uh new experiences ah ya how about you ya oh


ya and we get really lazy so we'll always grabbing around even when it’s very near ya I think everybody can relate to that ah honestly because we always late, okay, uh next question


should I DIY or get a financial advisor to plan my finances, okay knowing myself I I don't really know much about finance so I would definitely get somebody to advise me on it but uh I think we can both agree ah we were we won't like seek out


uh a financial advisor online or like, through agencies will probably like get somebody that we know to recommend their financial advisor to us, right ya,


I think for me like same thing ah I think the most basic thing is to like prioritize thing of the debt because it will just keep on growing and growing and also like sacrifices have to be made ah ah and then another advice that my sister, told me before is to never like take a loan to pay off the debt because like when you take a loan uh interest is in like involved also so like you're you're in debt will just keep on increasing ah


ya how do you eh, I think it's very important CPF contribution is very important uh because like


err it helps with your retirement it helps with, uh your future lah so like, if you don't contribute to your CPF right you probably struggle like in the long run, ya


I think it's a loss is a loss if you are doing like freelance and stuff then you don't contribute CPF and then you don't get your employer to contribute to your CPF for you also then it will be very, uh, I think you will regret because you you will be at the losing end


okay , what can you do to earn extra income or improve your income levels, work ah ya


I think I agree on that ah and then also like when you are sell when you sell your clothes and uh is like more environmentally friendly so there's, better uh for me I think to earn money like fast cash I think I would uh


pick up event jobs and like freelance jobs like this this usually don't require a lot of commitment so it's like you can get money really quickly and without too much effort ah ya but then right now during COVID not a lot of event jobs so is kind of difficult so I've been doing the same thing selling my own clothes and stuff


no, I don't think I don’t think I don’t think, I should own a credit card ah because like


, that's like spending money you don't even have so like if you are not able to pay at the end of the month you're going to be in debt and then that's going to like, make you suffer ah ya overspend right


probably won’t, ya but I think if somebody is like very good with their money management then is okay lah but uh and if they have a stable job but like if for students or like part timers and stuff we probably will struggle with paying at the end of the month


ya, okay next what advice would you give to somebody in order to retire comfortably,


!wah! life moto, , uh for me I think is find a job with CPF


ya, because like basically just now I say lah if you don't if you don't, err get your employer to contribute to your CPF then it's gonna to be very hard to save up for your retirement you know ya


okay what can you do eh oh that one, I don't know anything about it ah


you also don’t know ah


ah ya I think that's good lah honestly, okay how would you make a financial plan or investment portfolio for your family or children, I think


for me ah same thing ah uh probably open up savings account for each and every one of my children like from, from young and then ah uh contribute to their account every month ya and then I won't let them touch the money in that account in that savings account


okay, uh next, do you have the habit of saving how do you ensure you meet your saving goals, what


oh my god I thought you lag I thought you stopped, why don’t you just okay nevermind uh, ya habit of saving, okay uh I would say I have a habit of saving like I think you know me lah since last time also I don't really spend a lot like I'm always very weary of the amount that I spend


uh but, err, I I ensure that I don't overspend in a month so like I always check, like er the, my spendings in my account for every month and if I overspend a certain amount I will make sure that I reimburse that amount the next month yah


try try to cut down, what's one financial advice that you would give to the you five years ago, you want go first


I think for me right I will definitely tell myself to like not quit my part time jobs like say to consistently keep a part time job throughout my life and like school because like I think, uh I hit I always hit rock bottom everytime like I don't work for a period of time so like and all my effort in saving my money right will like just go to waste cause I end up having use it having to use it you know


er I'm definitely going to eat out lesser because


when I think about it right I don't have money now because of the, fact I keep going to restaurants like every every week I'm trying expensive food like I have expensive dates so like uh ever since COVID right I realize oh my god I cannot save that money ya


so, I think I will spend less I’ll only treat myself like once in a while instead of spending so much,


everything's convenient right cause every day delivery, ya think that’s all


what do you think of fire financial independence retirement retire early how can I know oh ya what do you think of that financial independence retire early


I think that's I think that's everybody's good lah to be honest I think is achievable but must put in a lot of effort to actually get there so,


ya, uh I think I think, you just need to educate ourselves more, to be able to be financially independent so that we can retire early in the future cause we at that age where we supposed to know a lot of things by adult


we no, ya, okay the next one how can one achieve financial independence, de knowledgeable, ya oh ya I


I think I think we can also be like financially independent like learn to be financially independent if we just now you said discipline ourselves right discipline ourselves to be less spendthrift, so like we have to surround ourselves with people that are value money and don't


will just like spend recklessly because we will tend to like follow them if it if they do that you know what I mean like influence ah the surrounding will influence, okay


I think once I would I would cut down a bit more like not twenty percent maybe ten fifteen percent instead, ya but, other than that ya lah same lah for me, what's the next question I cannot


do you prefer to use cash or go cashless when paying for goods and services, if you prefer to go cashless do share your experience and details


eh did you just say this no right, okay oh ya true point and stuff


actually for me right it really depends cause like last time I preferred going cashless like I always keep on tapping my card but then after awhile I realize like I uh I just keep tapping then I don't check you know I mean by then like uh


now when I withdraw money for the week for example if I finish that money I'm like okay that's enough for this week I shouldn't be spending more you know I mean like I shouldn't I will try to refrain from tapping so like there's two ways, to look at it ah but I think both ways work ah it depends it really depends


, financial commitments, err, make sure we open up different saving at different accounts like one for one for like daily necessities and spending another one for savings and then another one for emergency so like savings and emergency basically don't touch ah


ya think, I, I think you can also maybe made a joint account with your partner you know ya okay


part three negative experience


okay what is your biggest pet peeve I have so many you want start first


or is this quite hypocritical lor honestly for me is like oh I cannot stand people who are rude to their parents, like or like basically just very uh they act super privilege like I hate it when they’re rude to their parents and don't appreciate whatever their parents have done to them ah like uh for them ah so ya I cannot stand that


I cannot stand rude remarks also like I understand humor but sometimes some people don't know where the line is and when they go over it is really, I cannot stand it ya okay uh next recall a scene from a movie that you that made you cry in sadness


oh


actually the plot of the movie that made me cry in sadness is quite similar is a style, born I remember when the the partner of the celebrity, uh felt like he wasn't good enough for her anymore and then


and like he ended up committing suicide at the end of the movie which was totally unexpected, uh, ya that made me cry that crazy because the build up and how they showed their relationship throughout the movie was really amazing ah so like when he ended up dying it it made me cry


uh, another another movie that made me cry like crazy was like money heist when my favourite character died I didn't expect that either so, , ya I I it was to the head like she was shot through the head so he was


no way that she was going to come back to life or anything, ya okay okay they’re entitled


ya I can agree with you on they’re honestly like I think, , we had it harder because our generation did not have that liberty and, uh, some people consider the younger generation very spoiled and like


sensitive and like everything is given to them like they're, they everything is served to them lah on a silver platter or something but for me uh if I want to say what I dislike about the older generation is how they can they are not as open minded as us


like I I I'm not speaking on the on everybody in that generation lah but like is just, most of them uh do not believe in creative minds most of them don't believe in successful creatives that can make it in life you know like uh


they believe that a stable job and being successful in life is going is having like an office job and, uh, and like a job in the bank or something but


honestly in this time and age like we are able to make profits uh with our talents and like with with our creative minds lah but which is something that they just don't understand and get most of them so think that's


what uh irks me ah like it's kind of annoying ya, okay, talk about your worst travel experience, oh gosh okay do you want start first


okay I think the worst travel experience was when I went on a trip with my closest friends, and a family member of mine


and, it was a big group of us but they couldn't get along with my family member so they actually ended up fighting and arguing like screaming and almost getting into a physical fight


and I had to be between them to break them apart which was, which took a toll on my emotional state at that time because, I didn't know how to help the situation for once I felt so helpless because it was very


uh it was very intense it was supposed to be a very happy trip a graduation trip like, uh, to relax and have fun but it ended up becoming one of the worst, experiences of my life because of that one night


and it had to happen in in the middle of the trip so like I had to act happy and chill, for the rest of the trip which was a fake front ah for me and the worst thing of all is like I had to spend money to get there and my experience was absolutely nonsense ah


ya so I think that was the worst travel experience of mine I would I I promised myself to never like traveling in a big group and never mix family members with friends again after that, ya ya


can only imagine, okay have you experienced any loss in your life if you have describe your emotions at that point of time and how did you deal with the loss, okay


I think for me is in recent years, uh, I think in the past three years I've already lost three of my uncles and, uh an auntie and I think


the most hurtful of it all is like the fact that I was very close to my auntie, ya she was one of my uh she actually is my favourite auntie because she was the only, uh, I'm that I was close to and she was she always had a very lively personality so like


uh, whenever uh I see her at family events I would immediately like give her a hug and I'll always always smiling and laughing whenever she's around which is a very lovely she was a very lovely woman and she always made brownies and uh cooked for our family she was the closest to my mom as well and


uh, when she was in the hospital right, going through the surgery my dad was also in the hospital going through the exact same one surgery but they were in different uh in different hospitals so


my dad surgery was successful but hers wasn't and I think the hardest thing about that right was the fact that we couldn't tell my dad about it like we had to, act like everything was okay uh because we didn't want to trigger anything for him


then uh after after, uh two weeks when we had to break the news to him that's when my entire family broke down together, and we


we had to seek comfort in each other to deal with the loss because we couldn't process the loss when it happened on the day itself, because of everything that was going on ya and I think the only way we could uh derivate was


by talking about it with each other because we couldn't bottle it up, ya , have you ever been ostracized or felt ostracized recall that experience and describe what you felt at that moment


you want to go first uh, okay I think I had an experience, back when I was in school like a few years back


I remembered going out with my classmates for a karaoke but they were all of a different race than I am so like when we went out for karaoke they ended up only singing songs from their race like, I couldn’t understand anything uh even though we could have sang in english they didn't they didn't want to and it made me feel really awkward and left out but


uh, I I decided just remove myself from the situation, uh and then when, uh they felt bad about it they felt guilty but I don't think they it was intentional but it was just the fact that they were very, uh ignorant and they didn't have much such a uh like awareness ah so


they actually invited me for a second round of karaoke and the ironic thing is right they did the exact same thing like, uh , I just I just felt left out again because they didn't bother including me so ya I told myself to remove toxic people from my life and move on


uh ya, I I was very affected in that moment but I’m okay now lah, so that’s fine I think


for me I have to say is the same thing ah think that's my biggest fear as well, uh, also I think my biggest fear is like death at a young age like death before being able to accomplish anything, uh and


and this going off without, actually living my life to the fullest, ya okay , next what are some injustices of the world that makes you angry, so many things that are going on in this world right now that makes me angry


uh you want to start , then we can talk about racial inequality in the world and can talk about


, I think I think it's really sensitive lah honestly it, let's just skip this question, so so much is going on ya ya


I think for me right uh is an incident that I had last year when my mum, uh, wanted me to be around twenty four seven to help her with her business but I had other things on and I actually uh made made it a point to


uh leave my event halfway to help her out but she did not like see my efforts so it ended up like becoming such a big issue and I felt really pathetic about it ah ya


part two positive experience


okay what are the small things that make you that always makes you smile, haha okay you go first the appreciation right ya that’s accurate


oh my god this one is kind of lame but actually it does really make me smile lah uh every time I go to school right, past few days it has been really sunny so like I like to look out the window then after that I will always see like uh the sun shining and like cheer and everything then I don't know why but nature makes me smile I feel like oh my god it's so pretty today's a beautiful day so like I I become a little bit more positive


and like ya a bit more lively ah, uh another another thing that makes me smile is my cats, they like uh when they are very clingy and then uh, when they sit with me and accompany me when I'm doing work and that kind of thing that that makes me smile makes me really happy even though it's just a small thing you know


okay, uh what are the sacrifices you've made that are worth everything, , sacrifice ah sacrifices that I’ve, made or recently uh I would say is sacrificing my hobbies and my social activities to actually continue studying


uh that has been really difficult lah like for me to do like I I took a whole year, to actually, uh be confident in this decision because it's like a big sacrifice to me like you not I’m I‘m won't say I'm giving up my my passion but


uh, I have to cut cut down my, hobbies and my passion by a lot ah so think that is a big a big sacrifice that is going to be worth it in the end, ya rebellious


we all remember that phase ah ,


ya but it's worth it lah, oh my god uh and survey series that I love but I think everybody knows ah that my top favorite is how to get away with murder because of all the plot twist and


the amount of thinking that goes into that show is like crazy ah, ya, I I love the plot and everything money heist also,


actually I love friends also ah because, one one thing I really like about friends right is the fact that they are all so different but they are still friends and they go through with everything together which is like something that can be applied in real life also ah because no everybody has their own flaws what you know, ya


I think that's really the cutest thing about their friendship, okay uh ya uh, and next is, what, are three things that you have in common with your best friend or partner


, we are both funny, we go with the flow at


I think ya ya I think the the thing that is the most similar about the both of us is the fact that we always go with the flow like we are we are open to anything like we don't mind you know, yea, very very yolo kind of thing ah


kind of like, okay next uh, uh, what is one place you love to visit and why the beach, I love visiting the beach like I don't know why I'm always there but it's just I I think is just the sun lah I love the sun there


and is very chill,


honestly like going for picnics also gives me that same vibe ya like going to nicoll highway just sitting at the park right uh, ya that's that's kind kind of like, something I always love doing


okay next question, , what are three things you‘re most grave food great grateful grateful for in life, grapefruit ah you want to start


okay uh three, things I’m most grateful for in my life definitely my family ah, uh family my friends, and my boyfriend, three things I'm most grateful for my family because like they've given me so many opportunities that


I I can I can't even imagine are like they they’ve done so much for me and also I feel like I'm very privileged like they're always supporting me my friends because, I am one of those I I believe that I'm quite lucky ah because like my


circle of friends right are very like supportive and, uh nontoxic people like we are all very uh happy and optimistic and, uh, we support each other we won't like bring each other down and like looking at


some, other people in life right, they don't they don't get to, they don't get that kind of circle of friends you know they are not as uh as privileged as me you know ya,


ya won't won't hesitate to support each other ah and give like a helping hand which is great ah honestly because like friends like that aren’t very easy to come by you know, okay uh


what are three things that you admire about me , yes, okay lah I go I mean like I gonna talk about, uh I'm just gonna talk about my boyfriend ah


uh I think I admire, how hardworking he is because I could never , I I wasn't like that back then and I think he inspired me a lot ah to actually try new things and basically stop saying I


cannot and actually try and say I can which is something I learn from him, uh another thing I admire about, him is he is extremely patience like he, uh, anything that comes his way right he's he's able


to accept it and actually like tackle the problem and come up with a solution and move on like for me I I can't do that very easily like I'm always I get very emotional so, I’m, I struggle with that ah like problem solving and stuff so


seeing him be to seeing him like that inspires me in that sense, uh, another thing that I admire about him is the fact that he is so uh he so humble like he's really so talented in the thing in he's doing but he he doesn't ever booster it or like he's not egoistic and arrogant he’s very humble and down to earth


ya okay,


oh that's so sweet


for second there I thought you talking about somebody else but thanks, okay uh, next describe your favourite activity to unwind and relax, yoga


okay I for me is like stretching ya yoga and like listening to music and just chilling in my room, uh that helps a lot ah just lying down on the floor also, for you !chey!


do you usually do that in the morning or like at night, okay, uh okay next


okay what do you love most about yourself, me start


ya love your confidence right, I think what I love most about myself is the fact that I’m, I already regard myself as a very open minded person and I'm always ah


I’m always, so interested in learning about another person, which is something I love about myself because like, I, I love learning about other people ah ya and then I like meeting new people even even


the worst characters and everything is very, uh interesting to me ya I think I think I just I just love that fact ah of myself because I find it interesting and I find it other people interesting, okay


describe a time when you laugh too hard, too many times bro is it a tiktok oh my god


, this is your type of humour ah , , I think I laugh I laugh we too many times is always about stupid things ah honestly is like I think everytime I come across and I’ll


photo in my gallery that I totally forgot about because like like we always send each other stupid selfies right and then we like stupid photo and that kind of thing so like I often like forget about this selfies so sometimes I will just like, accidentally scroll


uh, scroll up my gallery and come across this picture and I'll be like oh my god I'm so ugly then after I'll just like laugh for like ten minutes, and very simple lah I laughed at this kind of stupid things one, ya okay yup oh my god ya


actually now that you mention it right I just uh had a flashback on my intern experience also remember uh how terrible it was for me oh my gosh, uh ya, I think I was very proud of myself that I actually made through that six months because it was


it was such a tiring and hectic, period for me but ah, I think that's the second most proudest moment of my life ah but the first one is the is when I proof my teacher wrong but in secondary school because she was


saying how I won't get above uh, I won't get above err, B if I don't do my work in english, but I ended up becoming the only A one in class so like that was the most proudest moment of my life ya because I prove the wrong ah


what's the best meal you've ever had , I eat way too much ah


oh my god bro do you remember, uh do you remember when, it was my birthday last year in the end after that all that food, at the chalet ya I think that was the best I think that was the best meal I've ever had ah because like it was all of my favourite food combined ya like we've we've ya we've crab we’ve like spicy food ham turkey everything ah everything was there


I think I ate like I think we ate for like a solid two three hours or something ya to like just kept eating nonstop, honestly true


okay (um) think time's up already


part one finance


to me is very simple is I have like a saving, basis or like a savings plan, so when I go out and work like I am currently the money that I earned, majority of it would be kept ah physically itself like I mean putting in a bank because like


if I like put it in the bank you know me, I will spend it all or like shopee and such so if I have like it physically and like kept away somewhere or like I give to my, my mum uh


it depends on what I get, because some ah some investments that I can, do, might not be beneficial for, I mean in the long run so it's like, some some investments that I've made


err over like with my friends, the cash that I get back was like, only what ten per cent or, so it's like it's not really that much so that I don't really think investing is


has strong growth and is like not beneficial for me lah how about you I see I see ya agree agree


I would say it requires like the only the only strategy that I know, was right, by like talking to my relative is to really really plan ahead, like plan your future basically


so if like you want to get a car, or there's a baby coming so like you need to set aside, not not to say majority but like a a good chunk, of, what you earn and put it aside for the things that you wana you know


uh expand about, ya true ya


I see and luxury right ya ya agree agree


okay honestly speaking currently uh for example like I work for a month and I get one k, six hundred dollars will be kept with me and then that four hundred will be left to use because I feel like there's


at anytime they can they can be like a what if moment, ya is like, ya so is like emergency money you know, but since like, both of us are like students, and we don't really need to think about like you know electrical bills and everything


to get four hundred, can be used for a lot of things, but sometimes it can be, you know , not beneficial in the long run but it is what it is , ya


for it like priorities you know, I see ya true they too lazy to get up four dollars on average ya


but but to me but to me is like, cash isn't really a problem if it is and a necessity for you, like if it's like for example, like uh cigarettes


those are not like necessities, what what is important for us is, food and water, that's the that's the main thing that I really spend my money, currently ya


currently I don't think that I need a financial adviser unless my, my like earnings is more than, two k, then most likely I will think about getting a financial adviser because like


ya same here same here, number one is if you are in debt never borrow again because if you keep borrowing to pay off the debt then you're just getting yourself into a loop


so to me I will just rather like work work as hard as I can without like err you know making myself and my health degraded but I would work as hard as I can


earn as much as I can to pay off the debt even though it's like not one whole sum right at least is like slowly paying it off, is better than holding it back all the way and then when you want to pay the whole thing then it's like oh no not enough money then have to borrow again so like how about you


ah ya


they say there's there's a wise men saying right , ya ya I see


it give you a motivation ha


at first right, I thought like CPF was like, you know, it's not really a good thing because like after, political things then is like, nah I don't think CPF is good but now that I'm like more mature and I think about it and I started to work


CPF actually helps you in the long, run, because CPF is like a barrier you know, like just in case anything happens CPF is there, at least I know that right


some percentage of earnings will be going to CPF at least is for a good cause, because like you might never know like oh I want to for example like buy this house but I don't have enough cash CPF literally can like help you to get that


housen ah


tight spot lah basically, ya


I see, ya


aren't she working under in the current like state like how to say this properly in the current workforce, ya they they employers really look at your skills you know so I think that like uh skillsfuture can help me you know uh make sure that I learned new skills or brush up on my skills


then basically just make my uh what do you called it resume prettier lah with skillsfuture, maybe


so it's really like person to person business lah all this


I hope I can get a credit card soon because ya nowadays like credit card is key to everything seriously you wouldn't why


nah, not really no not thinking over it yet I I would probably think about it uh next year or like before I go to NS, ya ya but like ya


but like I I would like, you know if I have the opportunity to like think about it then I will probably like do it cause I want to learn, you know, before before you actually like I need to really do to planning I would like rather learn it now so that I know in the future so it's like easier for


me to myself


two things number one planned your money, number two, don't spend on useless things, because I have the tendency to look at shopee and then oh this looks cool add to cart


right, I mean like at that point of time is like okay this thing is cool but then by the time that the item arrive is like ah this thing is useless to me


part three negative experience, my fear uh that's ya


the worst is, losing, somebody that I love and that I have cared for, , not only if like, like natural causes or like


from my own mistakes so ya it really like, you know, really kicks you in the heart, when, you see this person, everyday you made like good memories with this person , and then suddenly one day this person instead of like you making good memories the person became


or becomes the memory so like that they just like, kicks me then how about you <P2>Nick</P2> ya


same here same here, cause ya


I mean it can it can happen at anytime so is is really like, how we pick ourselves up, and like move forward, but that process can take longer, for like some people you know, even like the first time when I lost, my friend uh


uh he lost his life due to a motor accident, it took me like I don't know, nearly three months you know, to like pick myself up and see like, , it already happened I cannot do anything, and I just need to move on all I need to do for him is just to remember that the good times that we had and I celebrate that instead of


he told me that whatever he did was like, something that makes him and his close friends happy so he really like, you know ya it just sucks I know right it it it's just that err you know how do I put this


I don't I'm not really sure you know, like for myself I'm not really sure, because like I don't I don't view like death, as, you know as in injustice, but like you know


it it it differs from people to people


it rise around the world, ya but


but like it is what it is, there's so much we can do, you know as an individual, and like, there's there's so much that we can do, but even if you tried our best


is, most likely it won't it wouldn't be enough, you know, there's always something that brings you down, again what disgust me the most err


as an individual, you always need to like like somebody to like cover, cover you or like come up with the actual story, if I mean that is just plain


disgusting, you put on a face, and lie to people, and even though like it didn't happen, just because of those words that that person say, it affects


me like greatly so it, it will treat it literally breaks, friendships as well as like, break your mental thinking you know


it's like, even though you know that you are correct, but because people keep referring, back to you and keep asking you like ibu did you really do this you would like question yourself you know like did I do, the things like correctly is it


how do I put this is it like justified you know, my actions so is like, it it really ya is just plain, disgusting


true annoying true, ya


can be even outside you know, ya, have you have you ever encountered backstabbing before, true ya yup


it is easily trick like, the person you thought who was your best friend your greatest friend, and then next thing you know, is like your greatest friend becomes your enemy, if that it it really sucks


ya ya


all you need to do you just give them a


I mean it's both a good thing and bad thing but, it's just really like, the bad thing err, knowing their attention knowing the person that they actually are, are


you literally just question yourself you, know, like at the start of the friendship think what you were and then the backstab happen then you thought, of like, this person was actually nice, to me


but how can this person like, do this to me


for the younger generation I just feel, that they have too much, exists in like social media, because currently since majority is like cooped up at their house,


social media is like booming currently and like, there is a good side and then there is a bad side, the thing is like the younger generation cannot differ what's good and the bad and what's false and what's true, so it it


they can like pick up like, bad habits or like bad a bad way of thinking, that type of thing, like for example like, this in tik tok, they did like this certain action


the younger the younger generation can think like oh this is cool but actually is like, life threatening type of stunt or, whatever so, it's really like younger generations, ya


the the easily influence part really just makes it, you know hard to control , (mmhmm)


I mean older the older generation, as well, the chain messages, ya


ya but at the same time also, is like, depending on the person moving on from let's say like a close friend of yours, and then like


moving on from like your relationship or whatever right is is really the toughest, but, of everything because is like, to to to yourself, you will be like looking at


you know, everything lah basically, like what what should you do, and like, what are the things that I can do without this person without thinking of the person that much so it it, moving on is the toughest part


me oh I have a lot, I have a lot can you see in public


strange but there's many things that I do very strange, but the main thing is, the number one thing that I told myself to do is not to do anything strange in public and, you know, for it not not as often


but I mean ya true ya why


at can you like estimate like how much you actually spend, on that's quite a lot that's quite a lot on it that's quite a lot actually my worst


it was I was traveling back from jakarta to singapore, and since err it was like earlier this year, and since I haven't turn eighteen is like I'm still a minor right, so like the worst part of it is I had to get escorted everywhere I went to


ya because like, because my mum couldn't join me so ya and I still wanted to go to indonesia to visit my sister and all so err it's just that it was okay except for the escorting part cause like


I don't really unless I need to lah but Iike the attention that I get from people is like I don't know for me ya it's actually too much to the point where I was I was like trying to hide myself from the public


imagine like you you wanting to get starbucks or donuts and you have like two people following you beside you wherever you go


ya ya felt like !wow! but at at the same time I will be like can you not look at me like that type of thing, cause like my, ya cause like my intention was to travel like alone and go everywhere like covertly you know I do my thing but then actually you know is like oh I'm sorry you are a minor need to follow protocol two these two people will follow you wherever you go then I'm like why


that's why ya this is what it is I don't care whatever happen again,


part two positive experience, !eww!


you want the honest honest answer, I don't know


okay so my very honest answer here is, to me, is not about the items, is about like for example right if I see your face, good enough for me already


of course how about you, why, I mean why elaborate I wouldn't like that


ya (mmhmm)


(uh huh), memory lane, oh


maybe it it's it's the good memories that you have people that talks you know, I know right


eh no no especially when uh you keep talking to the same person but you don't see them that often so whenever you see them hi aunty and then the aunty will be like oh boy are you ah, so big already then you just like ha aunty still remember me


it was worth it I don't know I think the biggest things and the biggest sacrifice, when is going to SEC five I know it's a waste of time lah but going to SEC five again it's not really waste of time ya but going to SEC five like


the things just open like SEC five open like us you know people from all walks of life then like me going to ITE you know it the people yes there's like bad people but like the good people


really makes you like feel good you know like the things that you do together the small small thing that you do, it's just like muah


oh come on man yes yes they are


to what oh ya


[orh], it while is really touching


eh dude the last night I watch a TV channel was like three years ago, okay okay but for me me ah I don't really have like a a


particular movie but like sci fi movie oh okay I remember especially iron man, these bloom ya but like dude when I was a kid I keep like you know iron man iron man is really ya


and he is good from like a suitcase and then it becomes an actual suit for you to wear that to me like when I was kids like till today I was like, dude that's cool you know then how about you what movie do you like ha


!wah! ya ya this


nah


nice


err, but the but the important question is is it fun to watch too


(uh huh),


I see I see so speaking, speaking of movies right brother like in your life ha what what other things right that you admire in your life


like for example ah what do you admire about there was this me and you have girlfriend what do you admire about


(uh huh)


!ow! seriously


I only realise one thing my girlfriend is like a movie


cause I want like for example day one I see her is like !wah! is like she's like this type of movie you know so so cute you know ah then next you know when I see her like the next the following month then she's like another movie you know is like okay intriguing movie


by now she's like I don't know scary movie or horror movie, no no but no no no no but in a cute way in a cute way okay, in a cute way I mean like I see I see


my dude after like so much like redevelopment of the place is like from a Kampung to like you know in the malaysia there are typical, like it's it's basically like malaysia now I can say but like the the place that and really love to visit every time I go back is the mountain area like at the top of the mountain


then you park our vehicles there and then you see like a waterfall and then after that further up you can see the view like the top down view of the whole place, so so is like calming


you know ya I mean like the air, in singapore and indonesia is very different over there is like really more vibrant I would say if you can describe air


ya true though


on you ah


ah, I see (mmhmm)


, I see since you've been where when was the last time you went #johor bahru#


before COVID lucky, damn then like


I see, I see so in #johor baru# what what's your favourite food to have in #johor bahru# what would you say, ya


, , ah


so basically what you're saying is whatever Halal in #johor bahru# is your favourite food,


I see everything is your favourite I I see something , oh !whoa!


ya of course because I mean you work so hard to get to what you want to achieve of course you will be happy bro


like come on if I'm not working as hard as I am right now for school then when I graduate, what would like what will be the outcome if I like get my GPA and like for example maybe I hope maybe like above three point five


then like ya is worth it, !hey! come on man don't be like that ya what's my proudest moment


is when, when was my proudest moment ah ha !ee! I mean, oh my proudest moment is when I started to talk


in class, like when I started to talk to you, and I started to talk to like the rest of our classmates, eh come on man I mean, and then through in the break


I don't need think that I'm an introvert at all but ya sure, ya, but other than that all I can, think of is mainly, upgrading my


vehicle in indonesia, and like seeing it competed to my own style that's like muah this is like just put that cherry on the cake you know like, very nice, how about you man what's your proudest moment


ya because is coming soon right, yup I hope you pass, your license , ya amen


I hope I hope that you pass too so that you can err you know come here pick me up and then you go to school ya, [orh], come on man, best meal I just had it like yesterday double mcspicy


, it it is what it is, I don't know, that the usual group


what, err , I've only traveled to, thailand australia indonesia and malaysia, australia


what's the most best and most like memorable, like, travel I've I've ever done, why why you have, this


I don't know it's like what you said just now is travelling to a new place, just open up your eyes you know, and and like the different sceneries that you get, as well as like you know picking up new skills while like overseas


it it just like you know like !wow!, a really !wow! to you I hope so


ya I mean I do are you sure ya so


okay ya, how do you invest your money to accumulate wealth


oh part one finance, , okay so <P2>daniel</P2> how do you invest your money to accumulate wealth and plan your retirement, I see (mmhmm)


but but do you do you feel like you know investing in ETF or investments in companies do you think that will help for your retirement


I see okay I understand, (mmhmm), oh oh okay


I mean for me I am directly opposite of you I mean I have the same problem with in in the sense that if I put my money in my bank account I would end up spending it, and I think that's a majority problem but ah I feel like if I have physical money I would


not, be able to track it well and that's a, that's a really breaking point for me ah so I I I I put it in my bank account ya so in terms of planning for my retirement I mean I'm a student now I'm working part time but at the same time I don't uh


I feel like, with a full time job I would be able to, put aside maybe twenty per cent of my, pay to, save for my retirement, maybe for a rainy day not not necessarily retirement but for rainy day and CPF helps with the retirement plan also ya


so, what what strategies would you recommend to someone planning for like big expenditures you know, like let's say you want to start a family you want to, buy new motorcycle new car or like even buy a house or like what what would you


recommend for them or what kind of strategies would you recommend for them, (mmhmm) (mmhmm) yup (mmhmm)


ya okay I understand because okay for personally my sister is starting a family uh so uh, for me I see how they move around their money and I see that you know they are maybe half prepared for this kind of things because personally I feel if you want to start a family you need enough for their diapers for their


ah milk you know their crib it's it's all part and parcel of saving as expected for buying a car for example if, is rare that you would spend you know all your money on the car at one shot


you at least ah you know do per month you a a monthly loan from the car owner or car shop, would you say you you would say that ah so if, like what my mum said to me if you want to buy a car that you have to pay maybe one k or two k per month


have a income that's you know sufficient for you to pay your bills, to, pay for your monthly food intake, to pay for your groceries and then think about the car because the car is not a necessity it's like you know you you just ya is a luxury ya


so how did you spend your money honestly like which expenditure like what what do you spend on that is justified but is not justified and what have you been spending on too much per month, (mmhmm) (mmhmm)


I see I see like a rainy day moment lah I see, understand but (mmhmm), (mmhmm) yup (mmhmm)


yup I understand , for me I mean like you said we both students we both work part time your, income is about actually one k per month mine is about maybe if I'm lucky maybe seven hundred a month you know that kind of thing but I don't really have


the, how to say it's like I don't put aside money I just put it in one bank account that kind of thing so it's more of, when I have the money I see what I can spend on what I cannot spend on I don't have the


, the thinking that you know for a rainy day that kind of thing I don't have your thinking of maybe is for emergency I just spend it if I don't have money then I don't spend on myself I don't I don't borrow from people that kind of thing


so ya for for expenditure that is justified I would say my food lah food is for me the most important thing, but I spend too much on delivery fees for example like I buy food but I feel like


let's say for from from grab from grab app, or foodpanda or deliveroo I spend too much on that so I feel like you know if I took the chance to walk down to my nearby ah Kopitiam or nearby ah mcdonald's I would I would save four dollars on that on that meal itself


ya ya is is is really a lot honestly if you if you see that you know maybe two to three times a week, I I order food then , !hey! then you multiply that by four that's a lot of money already that's about hundred over dollars already on delivery fees itself so ya


(mmhmm), ya that's true , (mmhmm) correct


ya correct correct, I mean okay so, seeing how you use your money would you say that you need a financial advisor, or would you like just control your own money honestly


, but I I feel I feel like you know if you have a financial advisor for two k I mean


I guess it's it's more of the mindset of a student I guess like you have too much money for your own good that kind of thing but if you like uh an adult like I say our parents they they earn about three four k a month some even two k a month, but they still have to provide so they can they don't really need a financial advisor because they know their responsibility you get what I mean ya so ya it's it depends lah I don't I don't really need a financial advisor because I understand what I'm putting myself into


ya, so let's say our friend is in debt what do you what advice would you give them, ya (mmhmm) (mmhmm) (mmhmm) ya ya


I mean okay for debts depends depending on you know some people they lend they have bank loans some people they have credit card loans you know some people they owe companies because of the things they buy then they never pay back that kind of thing


so depending on the situation like let's say bank loans they have, this thing called interest if you know ya so so is if you don't pay in time your the interest rate increases so is kind of a hole you're digging yourself and you cannot get out of


unless you tell unless there is saying that you know they let they they borrow from the bank and they can pay back in the timeframe that, you know the the that wouldn't be too much so I feel you know it's it's a personal thing I I cannot speak on it unless I'm going through it also so my own advice is that you know don't get some don't get yourself into something that you cannot get out of


ya, ya I mean with with with touched on your cash flow your cash flow you said maybe if you earn one k six hundred will go to your savings four hundred will go to your expenditure right I mean mine one mine is just free flowing if like I have to pay bills I will earn to pay bills if I


want something I will earn to want that to to buy the things that I want that kind of thing I don't separate it ya so so it's not it's not it's not a healthy thing to do but, at the same time it pushes me to work, part time


ya ya uh, okay for you CPF what what do you think about CPF is a very hotly debated topic amongst the adults but as students we barely know what is that do you do you have an opinion on it you feel


(mmhmm) (mmhmm) (mmhmm) (mmhmm) yup (mmhmm) yup yup (mmhmm)


I see, mean, to me I live in a household where, my parents are nearing the retiring age I have a grandma that's, already retired so she's earning CPF


every month, but to me, like what my brother in law would say, ah, medisave is the most important if you're earning money because in terms of emergencies you only earn your retirement money after the age of sixty five I don't


, recall if it's already increase the the age is increased or, but to me medisave ya it it it it really helps because when you are hospitalized your medical bills goes skyrockets to about one one thousand a month or like after after your after you get discharged it goes up to maybe five k so if your medisave is


you know your medisave account in your CPF contribution is you know, sufficient, you you wouldn't find yourself in a in a, tight spot yes so ya for me CPF


uh at the age of sixty five is useful but for now only medisave is useful so that's my, that's my honesty on it unless, it is possible for the CPF age to be decreased because we are also unsure if we would live up to that age so our money would not go anywhere ya so


what what do you think that you can do to you know you said you earn like at least one k what do you think you can do to increase that earning do you feel like you want to work harder or what what other things that you can do


(mmhmm) the economy you said it ya


(mmhmm) yup (mmhmm) ya yup


I see , for me, I would say just work hard really like okay not not for not for office job you would say office job you work hard ,


and you know you, won't get a pay raise or whatever that's what that's the the the concept conception of it that's the preconception of it but for me like I said I work as a delivery rider, if I work hard enough I will get more more money by delivering more orders so that's what I feel is like you know


ya is is one is like you are different I am different but if we do certain things we earn more ya that's that's ya that's that's what I feel lah do you feel like you would want to get a credit card though


you would want to ah , , I wouldn't I honestly wouldn't like for myself ya I wouldn't I wouldn't because


I don't know I like I said I don't like to get into something that I wouldn't be able to get out off so like if let's say, something happens and I had I still have credit card debt, it it would be hard to be back you know


, so uh, do you have a financial plan for the future like for your family for your children anything


not not thinking of it yet not yet, , when we, I see I see I think it's it's at a we're at the stage of our life said we don't really think about it but honestly I have I already have the mindset that you know I have to save for my own children I have to say for my family's future I have to save for you know when you marry someone you have to ensure that you know you taking care of someone


or they taking care of you but at the end of the day you gonna have children you gonna be able to you're gonna be have to be able, to support their education, for their food and supplies you know that kind of thing ya so not not not necessarily we don't have ya so


(mmhmm) ya I understand


ya ya ya ya I understand, ya , (mmhmm), I mean okay so we we've been talking about finances, for the past nineteen minutes twenty minutes


what what what would you say okay let's say five years ago, I was a secondary two kid you may be a secondary three if I'm not wrong , ah what would you say to him what what advice would you give him


to yourself, what advice ya, so that you know you wouldn't make a financial mistake, that five years (mmhmm) (mmhmm)


, I I would have the same problem I would just tell him you know think about what you actually need and not what you want because I spend too much on what I wanted and instead of what I needed ya so ya so ya it's its like that lah


part three negative experience, okay so with with gone to this part


quite uh, ten of emotions, what would you say is your greatest fear, (mmhmm), greatest fear not not just a fear, the worst of the worst (mmhmm) (mmhmm) (mmhmm) (mmhmm)


I would have I would say I have the same fear but to a, specific person is not really in general because personally I don't, get affected by death


you get what I mean I don't, I don't, pull myself into that hole where I'll be crying all day every day you know that kind I'm not that kind of person, , I get emotional but when that happens I just collect myself together and you know


think about, whether I really want to go down the path that I'm going down that kind of thing so to to to say that you know I fear the loss of a loved one ya you can say that but I will just say the loss of my mother would be the worst


that that would be a turning point in my life uh hopefully I'll get through it, and , I just dread the day it won't come lah, because , don't get me wrong I no one no one no one wishes for that to happen but it will come so there's the harsh reality ah


(mmhmm) ya ya (mmhmm) ya yup (mmhmm)


it's it's fine man well it's a grim topic but what can you do about it, I mean okay and okay we just say that death is not justified I mean of of course everyone


you don't want to die no one wants to die but you know it's, an injustice you haven't lived your life and then suddenly you are gone, but, at the same time what do you feel you know other than


the obvious, what what kind of injustices , in this world you feel would, without getting politically affected which, kind of injustice do you feel like you know


makes you angry angriest, (mmhmm) ya I understand yup


I mean for me, I feel you know it's, like how everyone will see on the internet or there are africa kids african kids dying of starvation dying of hunger die from dehydration you know like okay I don't have the power I don't have the money


sure five dollars might make a difference but, I feel injustice is where, the richer people in the world, do not openly, help okay privately maybe but they don't help contribute to


the end of, world hunger or starvation or dehydration so I not only in, africa you know is it it can be in, the south america the the americans in general


, in southeast asia it's it's hard, to say that you know only one place is affected but I'm just angry that, , all these billionaires near trillionaires they don't want to help that's all I'm saying they don't they don't want to just give maybe a billion to contribute to world hunger kind kind of thing ah ya


ya of course (mmhmm) yup


I mean that disgust me it just disgust me a lot but you know [dey] speaking of disgust what disgust you the most, yup (mmhmm) (mmhmm) yup ya (mmhmm) yup (mmhmm)


, yup yup


I feel, okay I wouldn't say it disgust me I would say is annoying, for me, like like like what you said like what you said ya, err it's


disgusting at the same time, I would touch on maybe backstabbing, that disgusts me that annoys me too, because you know what's your purpose we're here to learn we're here to push ourselves to be the best that we can be in a school not only in


tertiary education is just like in general like secondary school ITE it's the same thing like like why why what's what's, what's the point do you want to make my life hard for what is it your own gratification, like why, like I do not understand


of course, it is I think is part and parcel of everyone's lives, unless you saying to me that you've never been backstab before then maybe you are the backstabber that kind of thing you know so it it it it's hard to say that you know no one has been backstab everyone has been backstab but it's just in either in subtle ways in subtle ways or in ways that


you know it really like just kicks you to prevent on them it it it hurts a lot like, ya it just hurts a lot when when when you really get backstab for no reason at all, except for their own gratification


okay I mean ya, yup yup


I mean for me I wouldn't say that I would react, , like you know a mad man if someone backstab me now but you know, the malays would say whose nose on or like


the literal translation as that you know just it's fine, you don't need to, think bad of that person just just think that you know it's it's a way of life and just move on, don't don't don't be


too caught up in it ya (mmhmm), ya so it it it's fine don't if anything happens just, accept it and go don't get caught up in it it's not worth your time


they show you how what what kind of person they are to you so, that's all you need to know ya, that's the best way to go on with it


how to do what you want to do nothing to do, (mmhmm) (mmhmm) yup yup I mean ya


okay let's lighten up the topic, it's been quite heavy , what do you dislike about the older and younger generation either one like what's your, pet peeve about them, like younger generation (mmhmm) yup yup yup (mmhmm) (mmhmm)


is just they easy they easy they easily influenced would you say ya, , ya I mean I think


it's not only the younger generation is you can say gen z gen y the millennials the baby boomers, they're all really into social media there are really influenced by social media because well we're cooped up in our homes we cannot do anything about that so


the older generations is quite hard because of the muslim on facebook and the only thing they they will get influenced by is like those ah what, whatsapp whatsapp will be paid in thirty days or whatever that kind of thing you know so it's it's not it's not as


ah negatively affecting but at the same time you know it's just shows how influencing social media is like to us ya, but another thing I would say is bad is,


what I dislike is not towards the younger or older generations is just that, there's always, cultures, on social media like you know most obvious is cancer culture if you would you know say that of course uh you you can take things into your own hands but at what cost


are you reading someone's life forever, are you okay with living your whole life thinking that you know you did something right when you know it's not, I mean they're humans everyone makes mistakes of course I not saying that is justified for them to do what they do but


I feel , like you know treat them, like how you want to be treated, not the murderers I not talking about the murderer's whoever but I'm talking about the people that you know they said something wrong accidentally or they said something ah irresponsible or like about let's say racial issues or whatever you just move on don't don't need to


hard on that person because they made a mistake you know get what I mean, so ya , (mmhmm) (mmhmm) ya


ya is fine man, I mean okay do you have any embarrassing moments you feel, ya, what what what's the worst eh I mean like now you think about it right oh my gosh I don't want to do this anymore


I I want to I want to get stucked in a home you know that kind of thing what makes you cringe really badly, ya (mmhmm)


ya then you still do it right, okay, not as often but you still do it ha, , oh well I mean there was a time, do you know the kendama quiz


ya I was part of that for like three straight years, and I wasn't that good at it at all, you know and, I spend so much money on it so much money invested so much but


at the end of the day I just think look back at it and I'm like oh my gosh, why did I do that, three hundred four hundred about there


and okay for now is moderate we can earn that back but, for a thirteen year old no three hundred four hundred in a year that's quite a lot ya, what's your worst travel experience you talk about your best travel experience last time right you you said it was australia what's your worst


(mmhmm) yup (mmhmm) yup oh damn


but why would you travelling alone though, oh (mmhmm)


too much lah too much lah, I understand, man (mmhmm) (mmhmm) man


that must have felt like, !wow!, I don't know I would be embarrassed I would be embarrassed ya, well, at least you went through it at least you went through it you don't have to go through it anymore (mmhmm) it is what it is man hopefully


part two positive experience, alright <P2>daniel</P2> I've known you for


maybe, three fourths of a year ah let's say that, what what what do you think that, what small things make you smile honestly,


are we lying here, (mmhmm), , (mmhmm)


that's very touching, this was, for me it sounds very weird, but, do you not no no no not not your not your experience but, mine


can you take a guess what mine is is a very weird one, okay listen so I do you know okay , so I have my own grandmother like she's in my house so last time


we always I've always tag along when she went to the supermarket or let's say she goes to geylang then I just tag along it's been about what two three years maybe even four years since I have actually went out with her because she's grown week and she cannot really walk so


personally , when I worked at geylang once I had I I work at a bookshop, I always I always see this, uh there's always a little kid and the grandma


ya so whenever I see that, it it just you know it just brings back the nostalgia and I I feel really , touched lah it it just wants my heart, ya


ya it it it's it's just I don't know ah something about, err what the senior generation makes me, feel like you know they so cute that kind of thing , ya


ya they like so happy to see you ya ya ya ya ya , okay what what what what sacrifices honestly do you feel like, was worth it (mmhmm)


don't need to say that don't don't say that I mean everyone has their own way you know, (mmhmm) (mmhmm) (mmhmm)


I mean, is okay lah right maybe I don't I've not experience what you've experience you know you get what I mean so I cannot really relate, everyone's


special in their own ways, ya so , if I would say my own sacrifice, is not really a sacrifice is more of an experience, but I feel like I sacrificed a year


in, another school like you know I I I was in college central ya the dropped out because, uh I would say there is a sacrifice because you know I wasted, year one


and then I I transferred course so, to me that was an eye opener, the person I am today in the school, I am in college it is not much but, I feel like the the experiences the realisation that I have to take my study seriously and that I had as I have a second chance right now


that to me is the greatest sacrifice I have had, in my whole life ya, what what's your what's your favourite TV show honestly or the best movie for you what what do you what do you think what what what's your favourite one


that's true, but what about the best movie, I see


iron man sci-fi meh, superhero ah superhero ah, (mmhmm), so so so is just the original iron man lah it just it just odd you while watch


okay lah I understand that feeling man, ya I understand


I'm not really a fan of I not I don't like it, movie buffs they really analyze movies and say you know this is good I get really easily influenced by movies, so like as long as there's action, is a nice movie lah like how wonder woman when I first saw it it was the greatest movie I've seen but you know now looking back it's like you know meh ya it's like okay is okay it's not bad it's average but right now


netflix, , I don't know if you know this series called designated survivor, uh is about some the whole, government getting killed then there's a guy that


that was a designated survivor that has to be a president now so now if it's been three seasons I guess, it it it went out in maybe twenty late twenty eighteen early twenty nineteen but, it is really intriguing because it just shows how stressful the work of a


politician in general is like you know it issued you to hardships and the personal sacrifices that they have to, they have to make, for that job


it's fun to watch because it's thrilling there's a lot of , like one thing ends like let's say, you know there's a dilemma then !whew! !whew! they solve the dilemma then suddenly another one comes in so it's like it keeps you intrigued it's not like you know uh


a sad romantic story that kind of thing it that that wouldn't, intrigued me at all ya so (mmhmm) (mmhmm) (mmhmm) (mmhmm)


to say about girlfriends I mean ya not girlfriends just !ee! the significant other in general, would you say that ya is the reason why, you dare with them you at that stage with them is because of course you love them you love them but


I guess is just because she's understanding, she knows who I am she knows how I am she knows how to you know manage me, where I cannot manage myself ya so is, it's it's it's


a a phase in my life where you know I have to take it as it comes and I have to understand that it's not all about me lah, and that's that's what she made me realize ya how about you you have any


realizations like that you know, (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm)


I !wow! that that that is not that is not very nice of you ha, , , I would like to know more about this girl later, ya ya you you better tell me


, so , do you have maybe okay locally maybe internationally is there a place that you you, like to visit where


I see is it a is it a village or is it like an apartment or how you just say it is Iike a a urban area how, (mmhmm) I see


ah okay I understand, (mmhmm) (mmhmm) I see


ya is the nature is the nature I guess the nature of indonesia, (mmhmm)


err I think I think is is like a is part and parcel of like living in somewhere too too long, you get what I mean like like okay if you would mean if you let's say ah we we live in malaysia or we, live in brunei or indonesia


of course we love our, our the place we stay we love the the, environment but when we go to somewhere new it's like a whole new world it's like you never seen this before like


but like ya is is you know singapore is is a nice place but, to visit, I would say, #johor bahru# because it just gives me that you know that, down to earth vibe


like I'm not too big for my boots you know, like like when you go back when you when you go to #johor bahru# you just feel you know, like !wow!, why how how privileged I am to live in singapore instead because of the suffering you see in malaysia or like you know


how, advanced our, place is our flats ah our apartments our HDB ah you know that kind of thing so, it just keeps me down to earth and makes me realize that you know not everyone has it


easy ya ya so , before COVID it was right before COVID right before COVID like when when they when they announced COVID


literally I was in #johor bahru#, like two weeks before I guess two weeks before like everything was in place like lockdown lockdown was end of the month I was there start of the month, ya that kind of thing (mmhmm)


man #johor bahru# has a lot of halal things you know like I mean malaysia in general, ya so like there's like a and w in singapore that's not halal there's like jack, I don't know what's his name lah like ah what is just is is what ah uh kenny rogers kenny rogers is


not halal here is halal there so like I just take advantage of the the fact that you know it's okay for me to eat it so I eat it, ya is is just there lor is is is a nice is a is a good thing for me I just without without without oh uh you know breaking any rules


I get to eat what I want ya so ya ya so I mean food is food if it's not on a plate you can wait, , I mean have you appreciated your own hard work though like you know we've we've been talking about realization


talking about home home towns, places we want to go places we've been, we've never really talk about our struggles our hard work have you ever, had that realization that !hey! I I need to appreciate myself


more (mmhmm) (mmhmm) it's true


there's a stretch just joking just joking I mean okay I mean okay appreciating is one thing loving yourself is one thing, the ah what's the proudest what's your proudest moment what do you think is your proudest moment ya


meeting me, sight ,


when was this I see, really every out of all the experiences you had that's your proudest moment, if are you are you are you a natural introvert, oh my


but I'm guessing it's just that experience that you know talk talking to new people lah I guess that's what you mean, I see


, , oh already , my proudest moment haven't happened hasn't happened, I'm just waiting for it to happen I'm just waiting for it to happen yes yes


I hope I pass err I I I took my ya I took my, motorcycle license my two b license just a few, few months ago uh I'm on my final stretch I hope I can pass if I do pass if I don't I'll work harder to get it but if I do pass then safe to said that's my proudest moment because at least I push myself to achieve something that I want


instead of what's mandatory you know you get what I mean, , no no no no no no no no no thank you no thank you no no no I'm gonna I'm gonna just go to school and come back to home come back home you know, eh no no no


what's the best meal you've had, ya what , man I don't like I don't like I don't like the experience after eating double mac spicy man


ya I it's not for me it's not for me just say it's not for me man, I mean have you have you travel a lot though have you travel a lot, you feel


so which was your most memorable honestly, why


what , I see (mmhmm) (mmhmm)


oh well I mean well have you experienced personal growth honestly like do you do you, feel like you experienced personal growth, throughout your whole life at all you hope so do you feel like, do you feel like it


I understand I mean, I've gone through a few phases in my life where, I would say, I've grown out of it I've grown out of my immature self, so like like what I said the last year thing the the


wasted year or the sacrificed year, that that was an eye opener and the day where I got my o level results that was also an eye opener but not not open enough


part one finance, okay first question how do you invest your money to accumulate wealth and or planning for your retirement Falik go first


okay


[orh] okay, okay okay


sorry what account passion wave


oh okay okay oh okay okay, okay


okay, right


okay, okay so do you know do you know do you know any like any, do you know like cause you mentioned earlier that the robo app, thing right has this algorithm right so do you know like what kind of algorithm


they use like any do you know more about how they do it, not really oh okay


how it works okay


okay okay, ya okay, ya, okay okay okay okay so moving back to the question


I don't have any form of, investment, at all so I don't really yeah I know and I feel like I should, I haven't really like thought about it yet because in my head I don't know why but it's always been like as long as I'm studying I don't have to worry about money


which I realise that, it can be a very dangerous thing ah because I see that a lot of my peers have actually started like investing and, you know like like doing all this kind of like finance stuff and I have little to no experience or knowledge about it


so I'm a little bit scared yeah so, ya ya


okay !wow!, right right okay okay okay so since you have


okay, okay okay since you have more experience and knowledge than me I think that's a nice


segue I think that's a nice segue to the second, question what strategies would you recommend to someone planning for their big ticket expenditure so you can pretend it's me


we have more time now since you have more time now since the exchange is cancelled for next semester but okay ya continue ya


okay to gain money, yup


actually sorry okay sorry continue first, okay cause I actually uh my sister is getting married soon so she's actually thinking about whether like money right uh cause she's applying for BTO and all that so the house is not uh confirmed


yet, so she was asking for opinions whether like buying a car or saving up for, like house, needs like furniture and all that is more wise, ya so what do you think car or house


right


that's true that's true yup correct yeah


house correct, very expensive, yeah yeah, yeah it's insane, okay so speaking of which


uh how do you spend your money which expenditure is justified and what have you been spending too much on, ya okay maybe I go first, maybe I go first since you have always yeah that's why so let me talk for a while this is


where I ya yes so how do I spend my money okay so right now I'm working part, time while I'm doing my school uh, and I don't really earn like that much at all but whatever money that I do earn


I do spend I spend it on, food, and I don't really know how to justify whether I don't really know whether it's justifiable because, you know it's, food you like you need to eat when you go out you know what I mean but at the end of the day


ya but ya but I can't be eating like seven eleven Maggi Mee every single day you get what I mean


yup, it's so scarce ya, yup


you can, okay that's true, that's true ya ya that's true


ya so ya to answer sorry so to to answer the question what have I been spending too much on is really just eating out most on most days and transportation, ya that's pretty much it okay so continue


ya ya, oh stop , that feels like a personal attack


I I spend on Grab when I stay in school a bit too late, and then ya cause I my house my house is like, one point five hours away from home by public transport so sometimes


and by Grab it's like thirty minutes or less so I get very tempted to just Grab home, at night oh really yeah


yeah


okay


!wow! okay


okay so, ya I think in my opinion


it depends on who you are clearly if you have a lot of financial , knowledge then it doesn't really make sense for you to engage, someone else unless that someone is more knowledgeable than you, but


for myself since I uh, have little to no knowledge I wouldn't think DIY is smart, ya cause what would ya cause what would I do like I will just do my own Google search and


ya ya ya so it it ya it really depends on who you are and your financial knowledge ya if you really you if you not confident then ya I would say go with a financial advisor and


there are a lot of financial advisors nowadays like bro like if you, I think two out of five people, in within your friend group would probably be a, financial advisor or know someone who who who knows uh a financial advisor ya ya


that's true that's true that's true yup


right right opinions right ya and get their advice ya


seriously stocks ya okay okay


okay, oh okay that's interesting


that's true, okay so we're not talking about uh professional financial advisor we're just talking financial advisor


it is a professional ya, right right okay, to get here more out of that ya I think


for me personally is to ask, and evaluate, the critical point where everything started, ya and kind of like analyse when that was and why that was and most of your time you would


obviously be, that you are spending more than what you can afford, right so but then


then ya I mean in that sense then why do you, continue to engage through that party if, you realise that every time you put money in, more money has to go in you get what I mean


ya as in sometimes you are saying that sometimes it's not, their fault right, sometimes it's more of like external factors that


yeah well, that's true ya ya ya ya


yup yup, what you spend yup


okay oh okay yeah that's true true, ya exactly paradox but anyways, ya how do you manage sorry


okay you wanna skip ya can, ya wait ah I think you have thirty seconds so you have to


oh that's all , ya ya ya a lot of us feel like it's a big pain to have that chunk of money out from our paycheck but at the end of the day it's what helps us


retire and it helps us in the future ya ya okay good


part three negative experiences


okay what's your biggest pet peeve, okay


[orh] okay okay, that's true


so basically when, so basically when the other party doesn't reciprocate the energy back, oh okay


K, agreed agreed for me this very uh, how do I say it's very I'm not sure whether it's, relevant to most people but for me as a woman in my industry like in tech it's very frustrating when


many people, uh assume, that uh, my proficiency or my skills is not on par, as theirs you know what I mean so like for example in group projects or anything then they feel like they have for example put in


more effort more hours than I did or that they have made in general like more contribution than I did ya that's a really big pet peeve of mine like, like the fact that you can justify that you are better than me


in any way ya just because of ya who you are or you are just because of your assumption of me, ya it's my it's a very big pet peeve of mine which I've actually learnt to, live with


ya so K let's move on, ya ya yup okay oh I have


one but it's a very uh oh, miracle in cell number seven, do you watch that miracle in cell number seven, uh it's a turkish movie about this man who I think he is intellectually like uh


disabled, I think and then he has a child, uh his child is like , uh normal lah ya so, uh he she gets, the both of them actually get teased quite a lot and then something happen


uh where where they live and then the man uh got accused and because he is in a state where he can't defend himself, he ended up yeah he ended up uh being like prosecuted


ya so ya which one, ya


correct for their innocent [orh] okay ya ya, oh really dude I cried K I think I'm just not very good at explaining it but like you have to watch it it's on Netflix I cried I cried like


so bad like throughout like two thirds of the movie was just me crying and then I had to take a huge nap after that, because like it was so exhausting because I cried like so much ya but then again I do cry a lot, yeah so


what about you


okay okay


okay [orh]


!wow!


oh my god I can just imagine, think about it oh my god, !wah!, okay I'll watch the advertisement if you watch the movie okay okay


I think I would ya I I don't really know whether to identify myself as gen Z or millennial but, like you know what I mean like I'm very in the middle like, no no no no no gen Z is after millennial right


yeah yeah yeah yeah so yeah I'm I'm kind of like in between I'm at the borderline years lah so, I had don't really have, much to say about the younger generation unless like how to say


ya number one but mostly it like if I were to really compare to like young young uh people like uh for example my brother who is thirteen years old uh I would say that they really, don't know how to struggle and they don't really know how to work


as hard as we did ya given their given the opportunities and like situation that they have is so much better than what we had to go through when we were their age and they still like


can't work or can't perform as hard as as as hard or as well as, we did, ya it's very frustrating, ya strawberry gen ya yup


okay, something okay right


right right right right ya right I feel like for them ya that's the, same thing as well in a sense that it's very hard for us to have a conversation like a productive conversation with


them on any issues where you disagree with because, it they would just take it like a personal attack, ya and then like straightaway, ya it's very hard but , ya they are getting better and all we can hope for is that when we get old we won't be


like that lah ya correct


understand understand, it's always it's always uh like you are never good enough kind of thing, cause the expectations will always be higher


!aww! that's quite sad, ya, ya we'll see, ya ya uh not not with her


but recently uh I think this was the the semester where I took stats with you when I went to Bangkok with my sister, ya and uh ya okay so number one I booked, the wrong flight and it was very uh stressful because


couldn't really cancel the flight because we already booked our accommodation so, ya so it's either like pour in more money or you lose all of it, you get what I mean ya so okay fine so paid extra to reschedule the flight got there


and then the second second day, I had very very bad food poisoning, it was so ya it was so bad to the point where like, when we go like shopping cause K cause it was just me and my sister so we are the kind who will like okay once you wake up straightaway leave out the door and then come home only when you are super tired and you can't like


walk anymore you know when you're overseas ya so we every day we will always like shopping shopping shopping shopping, so even though I had food poisoning I was like no no kakak I can still go, let's go let's go shopping and then at that shopping mall itself walk halfway I have to like squat and I have to puke into a


plastic bag throw it away and then continue ya that was how dedicated I was to shopping at Bangkok but then it was and then it got, so bad to the point where , after that not just vomiting, but diarrhoea as well and then that was when all my energy like yeah all my energy depleted and then for like I think


two or three days I like couldn't really do anything so she went out and shop, on her own and then I just had to stay in the hotel room ya and then when the last day when we want to go back we miss the flight


so we had to stay at some ya and then we had to stay at some sketchy like hotel room, ya it was really really terrible and then I missed like the first week of all of my lessons because of that one flight that I missed


ya overall a terrible experience, no I don't now that I think about it I don't know why because I brought medication from Singapore like I'm the kind of person who will travel with medication with my own medication ya so what I did was I just uh drank a lot of like vitamin water you know those kind of like vitamin C water and then I just took my own


diarrhoea and uh nausea medication ya so it's more of personal medication lah, ya uh but I still made it here, thank god


ya what about you, okay all people okay


oh okay, yup yeah


he was just smoking


oh


ya, !wow!


oh no, but you continued to stay lah, right


oh !wow!, okay okay, ya now you make me rethink and realise that, uh just because you went through the same


thing, that the same experience the outcome for different people can be very different, !wah!


okay next, embarrassing moment that made you cringe do you have any particular ones that you want to share


I think okay I I think I have one, uh I wouldn't say I wouldn't, say it's super cringey but is it looks quite embarrassing lah so in secondary school I was in, the drama club, ya and


ya so I was one of the people who really got no face one like I'll take any role like bro like I take it like as a challenge come like bro, but then there was this one play that I had to play as fairy godmother with wings and all


ya so it was this play that we had to perform in front of the entire school and, just the role itself, was pretty embarrassing like the way that I had to act all like a fairy godmother and everything and it was in front of like the entire school and it was the period where like you know like sec two going to sec three so it really mattered you know what people thought of me and I was


I didn't really think of I didn't really think that it was embarrassing until after the performance and then people were like eh fairy godmother fairy godmother then I was like oh my god this was not the, reaction that I was expecting ya so I really like after that I was like K you know what


I'm gonna have to chill on, the drama club roles now like I'm gonna take a step back, ya and maybe I do uh backstage after that ya, embarrassed moment, I I actually shifted on to stage managing


instead of like ya instead of like backstage cause like in backstage they usually give it to more of like the juniors lah so like when you go when you become a senior then like you know more experience and all that so, uh I just did uh stage managing so from there it's like you get very involved in the plays but you don't have to actually like perform anything ya


(uh huh), oh my god you pooped in your pants, oh my no


part two positive experience, okay, okay sure, always make you smile


okay for me things that make me smile is uh, I think K do you know about the thing about the love languages kind of thing, ya I think ya I think for me it's like uh for me it's acts of service


so things if I, find like [orh] people do small things out of their way or like small things just for for me specially, then I would like, !aww! you know what I mean, ya so like it's small things that ya like for example like even like if your classmates helped to write down notes for you


or like your friend like for example if your friend is on the way to school and then ask you if you need anything along the way like do you need coffee or anything like that ya those kind of things that seem, ya small but at the end of the day still managed to make me smile ya what about you Falik


yup yup yup yup ya ya, oh my god I know ya like the other day ya the other day I was like uh going home late lah from school and then like usually like uh yeah then usually like all like the entire house would be like all their lights in the entire house would be turned off but then literally


only the walkway to my room and my room the lights was on for me then I was like !aww! that is so sweet I don't know who but like that's so sweet, ya, it's all the acts little acts of service


ya !aww!


dude yes oh my god yes sunsets I don't know why like I said like ya


how ah, nice okay so what are the sacrifices, that's worth everything, oh


okay do you want to answer first while I think


okay, sort of ya ya


okay, !aww! !aww!


!wow! good job, uh okay so for me what are the sacrifices that you've made that's worth everything okay I think for me is more of an unconventional approach I mean like same to you as well like in in in terms of academics


but if I were to give a different answer it will be that one of the things that I feel like I have to sacrifice is that coming from, a, how to say I would say that uh my


family is isn't like doing how to say like we're not rich, ya so I realised that , ya so I what I realise that you know like when you were younger and you wanted like, this toy and then your mum said no we can't afford that you know what I mean so those kind of things you take you get really angry at your parents for when you were younger but then as you grow older you realise the importance of money


and how like ya and then ya and how like you have to really cut back, and not because you can't afford it but because you don't want your parents to, how to say suffer more or like work more just for you to get that ya so for me for example ya for me for example in poly when we all had to buy a laptop right


I could have gone for like MacBook I could have gone for like the you know the really expensive ones but I just told my dad you know right whichever ya like bro whichever one like it doesn't matter and then but at the end of the day that laptop like was really, crap lah but that was the sacrifices that


I had to make you know in order to not how to say uh not please my parents but, help them have it easier, to raise me ya and I think that that's worth everything ya


ya, yes you have ever seen, (hmm) for me dude I watched, friends


for the third time like I just finished watching it ya I know okay so friends I know a lot of people are either like crazy or like just hate it I am those people that just like absolutely love it K so cause for me right, I really like to have something on at the background all the time


like including in the shower or when I'm cooking something or when I'm cleaning my room or anything like I need something there and I feel like friends is a very like uh, no you like you don't have to be so dedicated to it


you know what I mean like you can just, ya it's an very easy watch you can just, pick like any random episodes that you want and then like you can just start watching it from there and what I like about it is that even though ya that that it's easy super easy to watch but also it has very like nice lessons


that they squeeze in like here and there and it's not like super dramatic like those kind of like ya dramas that are super dramatic are nice to watch but like like I can't have it on like constantly yeah yeah exactly so friends is just an easy watch for me


ya ya exactly


movie, [orh] there's there's jennifer aniston inside right


ya of course I know, ya a reference yeah, what are


oh my god, right oh my gosh okay ya


[orh] really really I make you laugh all the time


okay okay, okay okay, okay okay okay understand, alright alright


ya okay okay, with your best friend or partner (oo)


okay so, okay so let me choose , best friend, cause I've known her for longer uh what are the three things that I have in common, I feel like we can click really well and we have been friends for very long because we are so alike like a lot of our fundamental morals and values are actually like pretty much the same so any it's very easy for us to agree


with each other on like most things ya even boils down to like, the type of food that we like to eat it's, also ya it's like literally the same which is crazy so like I have always been going overseas with her I've been


ya so in poly I met her in poly so literally every single day in poly was spent with her and then when I got into uni and suddenly I don't have, my support system there anymore ya it was, it was literal it was a little bit difficult it's even worse than any breakup I've ever been through


ya when she ya ya bro it's difficult ya, ya ya within ya continue


right


right right, ya ya dude, oh my god we are so ya cause me and my best like we are so harsh with each other so when people like listen in to our conversation they are like


are you guys fighting or something ya then I'm like girl no this is how we show affection like this is, quality conversation right here ya oh my god


that is so true ya ya, ya I'm never gonna contact you ever again ya


okay that's nice ya, okay okay that's true okay cool nice okay


yes okay so let me just share that I was actually supposed to go to , Turkey Istanbul on next year february but few days ago I just got an email from SMU telling me that all the overseas exchange programmes are going to be cancelled for twenty twenty one yes


july july twenty twenty one yeah so sem one and summer yeah sem one and summer, exchange is out uh yeah so I if what is one place you would love to visit is Turkey Istanbul because uh I was so close


to go there because like you know what I mean like going to exchange is not really that easy like there's a lot of criterias that you have to achieve ya and then you have to like properly plan out everything and then, now it's all down the drain


awesome , it's true


okay sure, oh really


okay, loud which you are not going to participate in, you just want to see the history yup


right [orh] interesting, okay


ya ya hospitality correct, [orh]


right right, okay that's nice K I hope you can go, okay what are the three things you are most grateful for in life


yes, right


that is true ya, that's true that's true ya


!aww! that's nice, ya that's nice that's true that's true ya I think similarly the three things that I am most grateful for is okay number one


that I woke up I'm not saying that academics is everything but I'm saying that I'm really grateful that I woke up during my youth, and started to study because if I, were to drag it on and I didn't like change early on in like


when I was younger yeah I wouldn't be where where I am today yeah so that's number one, ya, like good job me for studying when I was younger, and then ya and then the second thing would be ya parents


that's I think that's the most textbook answer ya parents I feel like, ya literally can't yeah what are what are you without your parents right, ya and then number three ya then number three also I think health


is, health is what's that saying health is, health is health is wealth, yes health is wealth ya so I'm really really really really grateful that we don't have any serious like you know, health issues that we ya awesome okay


ya watching friends is, one thing oh you know what's my favourite thing to do at the end of the day when I come home


is I like to cook ya sleep before I sleep is I like to cook Maggi K shower first, shower first you need to be clean and fresh right and then after that I cook Maggi, and then I have my Netflix on and then I eat Maggi that is like my ten to fifteen minutes no lah not every day is is the question every day no what


oh no no no no no no okay I'm sorry no no no but like it's my favorite thing to do that like I, if I feel like I have time to have that fifteen to thirty minutes of like Netflix and Maggi, oh my god


ya it's like I will be so excited to to do that yeah it's just me time you know, ya Maggi curry


yes, ya no no no I don't have that every day no no no no what about you, unwind and relax


right yes you do


time with the do you even work, working ah, okay


oh !wow!, or just building build build making buildings in Sims, okay


[orh] really dude you should have tried architecture, uh ya that's true that's true so you just the simulation on Sims is fine is good enough


I think time's up already, right


!huh! oh my god it's so bright


part one finance sorry K, (oo) this is actually a very interesting topic you know why because I like I think about two months ago about two months nearly two months plus


I was so interested in like robo-advisors which is basically uh like a platform or like an app uh an algorithm kind of app where you just put in money and then they will help you invest, so it's basically the I would say the easier way of investing lah and I was like (oo) what's this what's this what's this then like luckily I have a friend uh who's my SMU junior uh and just so happen that we are quite close because he was my freshmen orientation what you call that junior or whatsoever lah


and then after that right he runs this like uh finance uh uh finance account on IG it was like oh my god this is the time for me to ask and then I asked about him ya then he introduced me about like investing like passive uh passive uh passive and like uh what's another word


I forgot passive and another investing that that there are two terms and then I was interested in robo advising lah and I I started Stashaway Syfe uh accounts and then that's how I have like plans and like different portfolios of how to do it lah, uh and like uh and I know no not passion wave uh Stashaway


and also ya Stashaway and also Syfe so these two accounts are very different one invest in like the stock market and one invest in like the real estate R E I E R E I T S which is REITs lah real real estate kind of


stocks and then it's very interesting like uh, I have a plan like when I cause I'm in on internship now and then when I've already did the the budgeting for my uh salary I mean allowance and stuff I followed the fifty thirty twenty rule which is like fifty percent for your


uh necessities thirty percent for uh what you call that uh for your, savings and like investing and also twenty percent for your uh for your whatever you want to do with the money lah and I've already been like putting money slowly I don't have capital and that the that's the thing that I like about robo advising advisors because you can start with little capital so do you have anything you want to add on


yes yes yes yes