oh my god you should watch weightlifting fairy the guy damn handsome okay ya okay never mind, no no okay okay I'm so predictable what do you mean


, what movie do I like do I even like any movies, no I'm so predictable, ah no lah


it wait I have to pick the best that's so hard, no I don't have I was going to say the blind side but it's like it's good but it's like not like amazing


you should watch it you should watch it oh my god, [orh] silver lining is like eh ya I watched it just now


what are the three things you have in common with your best friend, or your girlfriend in your GSR


my god , but ya like ya but it's like I I'm not tight with my sec one friends mah


so like, my like my friendship with my secondary school friends it's been since twenty twenty fifteen so how many years is that five it's not that long


okay so humour then


ah no wonder you like to fight, ,


it's okay ya I'll fight you to the very end it's fine, , it'll be me I'll be tired like I'll be tired and I'm like okay,


it's like I will always be annoyed if somebody has a different perspective and then like seriously like how can how like seriously like if I believe something and then after that we we get into a fight like how can I not be annoyed I'll definitely be annoyed what but like objectively like I wouldn't want you to like say something that like uh opposes what I say and then just like give up


like like like at least, tell me why you think what you think and like I don't know try and convince me lah otherwise other otherwise my thinking will never change


okay so firstly is like I would say humour like a sense of humour, uh have to pick one maybe like Huining, our humour is like crazy like I think if like regular humans right like listening to our conversation it's so


stupid like like like, like we say the dumbest shit but then I laugh so hard like I legit never laugh so hard with, like anybody else in my life like she make me laugh until I like piss myself kind, no lah I never but it's like you know like almost to that point like like I laugh so hard I just like drop on the floor then I cannot walk then I'm just like wait I need to like lay here for a while


ya so I guess humour, Nan oh I was going to say like you do physics right do you I was like you know, you know like resonance frequency like when the frequency's the same then suddenly like


okay never mind, alright I was going to say we're like that and then when we meet it's like like that, ya so humour and then , we like to eat ya it's like she's one I would say that like this group of friends was like her


one of the reasons one of them broke, literally like whenever you meet right like we just met yesterday ya whatever then I was then she was like what do you want to eat I was like uh hawker food and then after that she was like !huh! everyday eat hawker then I'm like, so means I have to spend twenty dollars


ya then I was like fine fine just take my money and go, oh ya she likes to eat good food lah always, and last thing uh


I guess we study very hard uh once a week ya I guess the third thing is like we study hard play hard


ya but we meet every week so I want to eat spinach soup I don't understand why we can't, ya so when she eats in the restaurant I eat in what I'm confused oh okay lah


I just wanted to I just wanted to eat in #ang moh# hawker centre man ya but it's okay like I drive her to waterloo a lot


it's, it's like peak functioning, legit legit like you it's damn funny it's like if you understand the physics and then you've experienced this before you put it together right


, , , okay let's do something else you missed one


yes #lee ka shing# library , , honestly though like I went yesterday then I jammed for one hour, no lah with my some buddies ya


like then elaine taught us like the Kaisha parts, elaine ya cause, ya because cause I was like eh elaine teach me like some some some some breaks she try and teach me adam's but oh my god I died-ed


ya, for what, ya but it's like I got the grove already then after that she was just like !aiya! this is too easy let me teach you something harder then she taught me switch break ya that one I learn successfully adam's was like !screw! that another day


no now mid-term season I'm busy


what's number ten , what's the best meal you've had


and then they're like no oh no, I'll be damn scared I'll be like are you pregnant or what


ya lor


, but also like I feel, no I hate I hate to be put into that situation you know as in like I would want to be you like I would want to be the one surprising everyone like with the with the other guy


like I don't know leh like I feel like I give very bad reactions, like, like I'm like extremely happy that that you're here love you very surprised but like I have to force myself to be like oh my god and then like cry, like I like I naturally wouldn't


ya I know I understand I feel like I'm emotionless you know like when people best meal oh no I don't want to do best meal uh never mind we can just wait for it my confidence


okay press already


so in terms of investing my own money and accumulating wealth and planning for retirement what I have at the moment this stuff that my parents set up for me like twenty plus years ago so they bought me uh, like health insurance which is like it's more for protection base


but then on the other hand they also bought me uh they they got like savings plan or like uh investment plan basically every month they put in the premium then a certain portion of it will go to investments so the money should grow and should roll, then when I turned twenty one I took over these policies and then my insurance agents convinced slash advised me to pick up another plan more for investment also uh as well as like because you realize that the coverage for a baby like which you which you get for a baby versus a coverage for somebody who's like twenty one


uh it they shouldn't be the same ah like because when I was younger I got no responsibility then like the coverage was quite low but then when you get older then like you know I I want to take care of my parents or family or kids then like the coverage need to increase, so, this where the money is going now lah then I think uh over time


the the, not dividends lah but there there will be there's a account as the insurance matures then I'll get money back and then there's also a surrender amount which is what I'm looking at in terms of like, uh wealth accumulation or retirement like as I get older at some point I probably surrender these policies and then hopefully there's a big lump sum that I can use to pay off whatever item comes along


then what what do you have say again, I, I think there's one at twenty five and another one at fifty


as in did you did you finish that question already, okay shall we move on to the next question okay, uh so what strategies would you recommend to someone planning for their big ticket expenditures such as starting a family buying a car or house


same as just now so uh same lah same basically it's like, I think I read about starting early and compounding because those are like very big, like it's a thing that people tend to overlook, maybe not our generation lah but like older generation tend to overlook, then like I also advise like on trying to reduce these expenditures before you even make them


like, if you don't need to get a car then don't get a car if you don't need to have a big wedding then like avoid those then you save yourself the trouble of paying it back, like I I, I think we can't like my like my parents have instilled this whole like I don't know whether it's a indian parenting they're like oh avoid that at all cost like they super against borrowing money they super against all these things then like it's sort of ingrained like to avoid that as much as possible


so then when it comes to these things then all I'm thinking about is like how do I, like avoid stepping into this pitfall but when it comes to like house and all that they are, like unavoidable, then ya I guess that's when the like surrendering your policies or, uh, uh starting early with the savings and letting the money compound over time that's when these things become more important lor


ya that's all I got for that let's go to the third question, (ppc) uh, a lot a lot of there like as a uni kid I don't have much income so the I I basically take still taking an allowance from my parents


so the allowance that I seventy a week which is like ten dollars a day lah, or two eighty a month, I mean I, I I work part time but like it's a bit hard to balance the both so as in I haven't worked for the past two or three weeks


so but like, I I do have savings from like honestly my NS savings all basically gone already I don't even know how that happened but then I also, , sort of kind of sort of kind of


ya, but like my parents cover like my phone bills and my insurance bills, so so maybe like my allowance is a lot higher on paper because they cover those, , but transport I cover ya what about you


exactly ya agreed agreed, do you buy the concession pass for your bus trips


I'm surprised it's so so cheap leh but well done I guess


uh I think, like, I really quite frugal because I don't have money to spend anyway, but the ones that I feel the most guilty for will be like, probably like uh outings or like drinking or like when we go, uh ya ya like I I feel like


I I don't want to but like you know it's like a thing then like everybody then you you you don't go so then like a bit


there's this this this this amount like one night


okay but that means you have put money aside also lah so, I mean I guess it sort of balance out


it's okay it happens eh do you use like those uh money managing apps, I mean but you it's not like you're spending money every minute of the day what like it's like maximum like what every one and half hours you are spending on something


I don't know how often you do how !wah! actually this is quite interesting how often do you spend money in a day, right like meals, and then your travelling, is what five times a day you spend money,


let's spend money, right fair enough, I think that for me as well because the snacks aren't cheap also like two dollars for like like one eighty for a waffle and it's not filling me like


actually that's my that's my biggest pet peeve is that the cheap food isn't filling but the filling food is expensive


that was a good one uh let's see, (mmhmm) that's fair


but that also like depends on what you're expecting from your financial adviser I feel


damn that's interesting


that's a very !wah! you really damn bro, !wah! okay I, I feel like okay it's towards a good thing so it's not that bad it's not like he ask you to like sign up for MLM


but, like I also am super skeptical about like working with people I know regarding these things, and I I I , I I'm the opposite of you I'm like it's I don't even do my research leh it's not like I (hmm) let me think about it then I go and like analyze you know I just like


I just don't want to let go I, I I damn scared so I I won't my foot in the water I'm like I'll hem and haw I'll be like (hah) (hah), and then, and it takes a lot to convince me to put it in


ya I know how I know how bad that sounds but I think for me, it it's just a fear lah it's just a fear I if I I think if I if I did it myself I'll have more confidence, like I feel like a, the purpose of a insurance agent or financial, advisor is to convince you to put your money in something they don't care uh for me at this point is that they don't care what it goes into as long as they put it into something now if you find a financial advisor that you can hundred percent trust then I think it's okay I think it's okay it's not it's not that big a deal because you hundred percent can trust them


but if like the person doesn't instill that much confidence in you then you put your money in them, I feel like they're not held accountable if things go wrong


eh no as in I'm not talking about the insurance part I'm thinking more about the investment part, like cause your FA you are looking for is for insurance or for for you you're looking for wealth growth right not like, ya then then those things like they they put into stocks or bonds and all that, like I


I if you want it to grow properly I think they need to go into more like volatile stuff, and then that's the that's the part where the money can get lost


you were at and shauna and then like impulsive, damn oh man, so that means at this stage you think getting a financial advisor for our level of finance is still a not bad move ah


you still want to go ya ya ya no I really know what you mean, damn, did you just successfully convince me to get my shit together, uh


!wow! okay let's see what what what's a good question, oh really ah I thought that was cool but okay uh, as in as in I don't know like okay I something I saw was like to get out of debt is that you need to again increase your income but if you are already in debt I don't know how how easy that is oh


I think like to get out of debt the first thing you need to do is like take a analysis table analysis then need to see how much your expenditure and how much your, how much your income and outgoing is at the moment like because if you don't know then you won't know what steps to take so if you realize that okay it's like all the small spending not say small spending like if you like is like some people okay for some people it's they take multiple loan


like I saw this on like woke salary man so like do you follow it's quite good, I I I, then like he say like some different people got like multiple debts from different different loans so you take one big loan then you clear out the interests for all the small loans one shot then now you only need to pay back one so I think like overall that that cost is lower but again then must do the accounting lah then like


the I think it is leh I think I really think it is like especially when it come to credit card debt, the credit card debt ya, I okay to be honest this one you can math mah madam accounting, !boo!


[orh] okay now now the financial advisor is making sense I, I'm lazy, ya lah but it's also the knowledge part lah, which I can't deny but I just going to make fun of you for the lazy part, because I can


ya until you graduate I think I don't think they care whether you work, (mmhmm)


before that there is no interest at all ya I think so that's the that's the that should be the deal lah, I think you must be you must have proof of being a student


correct correct correct it's damn it's damn smart it's something that which I never I never thought about before, and then I was like because damn it's smart ah it's quite smart ah damn


[orh] then eh maybe you can start like you okay this sounds borderline criminal lah you just keep finding students to keep taking student loans, then you're like (hmm), are you a student that needs uh some side income, SLS okay let's see


do you think one should own a credit card this a big one because I don't have a credit card but I I can't even pay for my own shit, ask what, got got benefit meh, I I I don't I don't think I will spend I really don't think I will spend but it's like I can't order things on Shopee all I need to ask my sister like please help me buy


I I got debit but not credit as in it's ATM card lah is it the same, no mine doesn't have Visa or master Visa master is only for credit what not debit what as in mine has this serious and Mastro which look like scam visas oh no there's nothing here


to the one with the stuff inside right probably should ah, I see I as in I heard of it


credit or debit but I don't shop enough also leh [orh] but it's still better than nothing ah


ya that's true that's true, oh phone here you go okay


uh for me I think my biggest pet peeve is people it okay to me in general the thing that I hate the most is unfairness, so uh if I feel like somebody is acting in a unfair manner then it really irks me


it really really irks me like this sense of like inequality this more important for like like like big-scale like capitalism and abuse but like, when it comes to friend groups all that like I I don't I don't enjoy seeing people get pushed around or bullied because some people in a conversation are bound to be more dominant then I feel really bad


cause maybe some part of me feels like okay I've been there before I know what it's like to not have your opinion heard so I feel really bad for that person so that's one of my peeves lor when I see that happen to other people but now I think about it I ya ya


, isn't she is she short or is she like your size like your height


okay then I change my answer to like my sister, ya I've never done this before damn


come tell me the scene you little B


bawl did you cry for the what the miracle in cell number or something, oh, !woohoo!


the taiwanese movie the de na na na na na na na na na ya ya oh our times ya


masculinity I'm not allowed to cry


, no I I I, eh really eh really eh I I I I've never cried in a I've never I okay the things that make me cry right so far I cried the most in army but


it's not for it's not like because I miss my family or what the first time I cried in army was because we were doing we were like put into push up right then we try and do push up and then I couldn't keep up with the team so I felt like I failed them then I I I teared then the second time was one guy wanted to quit


why he wanted to quit ah because shit isn't easy man he wanted to quit then my instructor got us altogether he whack us not whack ah but like he like uh punish us and he said if he quits you all all die means he will like he this guy got reputation of making a uh of, punishing a guy until his heart stopped beating then they had to like CPR and like evacuate him so like I cried because I felt like I was between a rock and a hard place then I I couldn't help my friend leave because if you want to leave just leave lah it's it's only army but then then on the other hand if


I don't convince him then my rest of my friends going to get whack so that was that but the third time I cried was the worst like I got drunk with my company mates then they start telling because I I had a I had a not a not a great section lah and I wasn't a good leader I'm very messy and like I very easily swayed by people, so then my my my superiors was like Dinesh you're a good leader then I just bawling I'm not a good leader not good leader then they I mean that's not humour stop laughing


but ya ya then that's when I started crying because it was like it's like I I don't know maybe I I cannot, take uh what's the word ah, positive encouragement but I don't know that's the things I cry for lor oh ya the sense of failure the sense of failure makes me cry, damn that's like one brain cell uh let's see


where do I begin okay I don't like the older generation because they a bit uh literally because they're old school I think this one easier talk to like they it's not even like the it's like the like they got they got such


confidence in things they don't know anything about or not say they don't know anything about but they just don't know enough, and then they just like are so confident about it ya then like they like quite archaic notions and stuff like that and then ya ya and then and then


like you you can't convince them also because they always think that we all are strawberry and like very soft or whatever rubbish but it's like they can't okay they it's just the the inability to put themselves in another person's shoes I think or they think that their experience are the most valid then like they don't listen to other


I can see your daddy issues coming out uh okay, oh younger generation uh


I really don't have anything against the younger generation leh I feel like there's some things that I don't like is like like okay this is very personal I mean not very personal it's like okay I might I might get roasted, for this but like when I see like the younger younger girls like maybe like they're twelve then they to me it's sexual like with the dressing and the


like the cheers buddy then I was like, I I I just feel like like they shouldn't be in this stage at their age lah like it just irks me and I'm like, don't be like this guys you all you all have time you all have your time to enter those phases I feel like they like like my cousins all start swearing like when they're young and I'm like


what's going on you know ya ya that's what I feel


it's quite insane this kind of thing


actually that's one of my biggest worries like raising a kid in this situation like I, I I don't know if I could do it ah it's a lot of pressure ya it's uh that's another that's another big question !wah! number seven is a eh number six is very uh where where do I begin


, no lah but no lah I I got uh excuse me ma'am no humour ah


you should just copy and pass this question to her she can talk for three hours oh actually this should be fun uh like the number ten not bad eh have you ever been ostracized or felt ostracized


oh mans okay so so for me this thing right uh I quite insecure person so especially when it comes to like friendships and relationships I always uh like I I, I I know the exact moment this started I think up to sec two I was really well-adjusted I had a very good like primary school and secondary school experience but when I came to sec three right so you know when you go sec three like you change class like from sec two sec three so I had a group of friends four of us


so we sit like so the tables are arranged in twos so the two guys were in front then me and another guy behind so we can talk to each other during class so at one point one of the guys told me eh Dinesh can you shift to the behind seat, then I shifted to the behind seat so now it's like two then one friend and then me at the like the third row and then they call another friend to sit there at my spot leh and that's when I realized that I was kicked out of that group


but they didn't even realize it and they didn't realize it and then like they all went RJ together and shit like that so now they're damn, tight but like that was when I realized that you really don't know your place in groups and then from then I I I feel like from then I became super insecure so whenever I feel like I'm left out of shit I don't know whether it's like am I being kicked out or am I overthinking then then I I


I that that's me constantly like say real cycle of trust like this happened last year also like not to mention about it over drinks was just telling you like I feel a bit closer to like other section sometime like the time because Kaisha keep going out they're really friendly like


I had sebastean there so I keep talking to them then know like the the guys were quite aloof then the girls was super tight together then I felt like I, I couldn't uh err


maybe after when was that time we went drinking and then I went I I feel like I went Shafti'S house but I feel like maybe after busking lor, around busking busking quite early as in I wouldn't say it's very late lor I mean we only knew each other about three months, ya


then at that point I was like okay what cause like I want us to be super close but I must also admit like like you can't be super close to everybody and every single group so that's just like a limitation of of life lah so I I I am trying to learn to be more


secure but ya that's that's like say, see but the thing is I I don't know what is close to you versus what is close to me like you get what I mean, uh I think we're


quite tight I think we are quite tight we can talk I mean like our group can talk about anything but I also feel like we are not as tight as some people think we are


ya , , ya I I'm okay with that I'm o I'm I'm comfortable with that but it's just like like my my one of my worries is like people think we're like, eh did your time end oh no okay sorry lagging like


my one of my worries is like imagine somebody in that group right thinks we're all best friends like we are the like their number one group but then, you are like they are your number three group like you get what I mean then I feel like that's not fair but like that's also something I can't control lor


so I I guess we just need to learn to appreciate the friendship as they happen and then shouldn't think about these things


understand ya


damn


then started with CB like that like I feel like like sometimes if you like you know even within groups got like close people that are close then like, I had I had this group okay so now when you talk about the ousting right and like feeling that you're next like we just ousted a guy over CB so I felt really bad ya ya really really really and then I felt like I might be next also because I was close to him but then I I've put that behind me if they're going to oust me I'm just going to take it


but then like when you talk about the like what the whole group or that or me and him no we don't talk I feel like it was a group action group decision and I, damn this one's a bit intense


okay I'm going to try and compress it in a minute or less so basically he, he okay so the back story is that he's quite a dominating character he's not all bad because like obviously obviously I'm only going to tell you certain facts about him and I don't think he's all bad but when we realize it was a problem was that when we okay before we kick him out right we all stuck together in the room okay there's seven of us in the group six of us are in the room and we said each person must say one good thing about him and we couldn't come out with anything


ya and then everytime somebody say one good thing right like seven other bad things will come out but he's not like I cannot say like he's a hundred percent bad person like I don't think anybody hundred percent bad but it's just like like


maybe he's just like uh doesn't spark joy person like we felt like the group doesn't need him lor, I've I I still feel bad because I feel like the things that we accuse him of we should have stopped it but then my friend told me this like a toxic guy group thing where we feel like we cannot abandon our friends we cannot like we cannot like not say cancel but what's the like let go them we must like protect them and care for them all the way but then my my female group was telling me you should have


supported him and and and taught him and then after you tell him don't do it again and if he does it then you got to cancel him lah so so that's what happen, but basically he dated one of my friend's sisters and then we heard some not it's like borderline not say I don't want to say borderline lah because I I I cannot diagnose these things or like identify but like they he gaslight he


borderlines I don't want to say sexually abuse because it sounds like he's a rapist but he's, he's like like I think he like conned sort of sort of ya ya ya ya so then, when you like first of all you find out your friend do thing it's already ugly then you find out your you your friend do this to your friend's sister is another level lah then like like over CB all this thing came out because the girlfriend was very close to


I I I can I can tell why like I wouldn't blame you ah then, but to me I maybe because I don't I I don't know why for me I felt like we the okay so this this is like the girlfriend part right but then the


like internally he's a bit of a dick to certain some of us he enjoys the roasting humor and then he's a bit he's he's a mean he's he can be mean but the thing about like the meanness and roasting and things like that I feel like we all laughed at the jokes when he came out and then we didn't tell him like eh you are hurting people now except for once or twice


do you feel like that was valid or do you feel like you should have given her chance, oh oh


oh after two years


ya I press already part two positive experiences


!wow! so allison what are some small things that always make you smile if it's me just say it's me lah I know lah it's okay


, that's fair why you got to make it weird man


oh I'm taking notes I need to go and tell people already okay yes


no no it's I know what you mean I know what you mean, it's the


that well done warm fuzzies, ya lah actually for for me like I I guess it's it's similar like, things that make me smile is like like friends being dumb with me that's always fun texting is quite quite crazy eh like like the amount of happiness texting my friends brings me like I got specific groups so each group will have their own own spark joy moments


then uh ya when you say like stuff like the, about people being sweet like sometimes people really do the randomest shit and then I'll just melt I like really just melt like I don't understand I don't understand why how do you guys like like when I see couples being cute like friend couples uh or like like it's damn cute lah then I'm like oh then like quite simpy what !huh!


!huh! what, that's one way to drop it ya ya ya then I'm like quite, quite cute then like big oo-oos everywhere ya


ya I'm I'm I I as in what spend time with family stuff like this I mean it's just like good times ah I think spend time with loved ones is a better way to like phrase it, !wow! really it's a clown emoji


, okay !wow! oh what are the sacrifices you've made that made eh what are the sacrifices you made that worth I I don't understand this


, ah uh I, I I honestly I don't think I've made many sacrifices does studying count as one, I mean


it's like compared to the shit our parents go through then I feel like you know it's it's nothing really nothing ah then ya, is it worth it though, there's always that that's actually that's a damn big question eh the like is it worth it because yesterday I was talking to my uh no never mind maybe we can use this for the negative experience topic I'll bring it up later it's about suicide


same same I mean unless you count NS lah !hah! B that's a pretty big sacrifice two years of my life leh okay let's go next one


!wow! fill in the blanks so , , uh the best ah the best it's it's quite insane I I, I I I


like quite a few uh, circle of trust buddy I like rom coms and then uh ya but the best movie I think at this moment is fight club, it's got uh it's got you really should uh it's not as it's not as fight cluby as it sounds it's not like the you know you know there's like those martial arts movie then they just fighting each other it's not that it's not that it's not just about fighting but then it's also quite a male-centric movie and it's also like


after when I after I like cause the movie like glorifies taking charge of your, life anarchy violence and stuff like that so when I watched it as like I think I was maybe eighteen, or seventeen I was like oh my god I want to do this I want like give my life some purpose man let me just like destroy capitalism or something like that then after that as I got older I like read like some not say articles about it but people write comments about these movies then they were saying like the author of the book it's a book actually


the author of the book wrote the story not to make the characters look good but to show people how ridiculous it was so I realized I was enjoying like uh it's not satire but it's like sarcasm, is like he didn't like it then he try to make a book about how how ugly it looks but in the end it came out looking like oh !wow! all men should go and take


charge of their lives fight each other stuff like that but the movie it's a it's a it's a good mind-blow also like I would highly recommend and also ten things I hate about you if you haven't watched it you should watch it


!yay! !aww! heath ledger, okay ya, , oh no no no no


oh no , holy eh okay I think it's your turn to, I think it's your turn to answer the question


wait what's that I don't know what's that, oh oh I mean uh sorry I you don't talk to me because I don't speak weeb, ah okay


[orh] is it the one that uh, uh mel help you decorate #wen kiat# oh no okay understand,


eh you know dude okay yes carry on, no you see I I I don't I haven't started but like YouTube recommended some like movies then I just keep watching the trailers and like koreans are really good at this shit I saw this like like short


dude ya they're damn good and they all look damn good I something about like the man inside me or something like that it's like this this gang, ~ster then the korean the korean boy like committed suicide and then he landed on him and then now like the like, the the life swapped which is just cool and then the bad ass korean gangster is now inside some high schooler body then he keeps getting bullied then like


come back as like a new guy it's it's damn interesting I watched the shorts I was like oh my god it's quite they they make them look damn good I don't know ya ya ya, okay wait do you do you like horror oh what do you like horror okay good same I hate horror I can't okay what's a movie that you like that you think people will be surprised about


, actually I haven't watched a movie in a long time really ah what what's the movie high school musical ah


ya same I mean if if you want to like pick like, like the the first one that comes to mind, !wah! pow


I haven't watched it yet leh but it's on my list it's like the hurt locker the blind side uh silver linings playbook uh quite eh eh damn, there's this movie about like I actually I like brad pitt brad pitt is another man crush


but like ya brad pitt is good oh brad pitt is good okay, uh moving on !whew! uh


I I don't see but uh, I I don't think okay like I got a group of friends from secondary school they were still tight so I think it is like it's been ten years eh I don't know whether you realize like my my secondary school started ten years ago, so it's been a it's been a decade of friendship eh screw you lah yours only seven yours like seven years is not that far okay you're going to get there


like I guess you got the same sense of humour lor I mean similar lah like got some things in and out of sync but the you know like the venn diagram then the parts that overlap is really like parts that will send you to hell that kind, uh


no I I really think humor is the like okay like we got a lot of like, similar uh like the, like we like to we like to discuss like not say philosophy but like we are open to discussions and stuff like that like to like bounce out already oh yes oh I love fight I love the fight


but sometime I don't know I don't know like okay with those group with that group right I can we can just keep going and some point we'll just cut it off but when it come to school right like sometime we argue like you know okay you know the we we talk about like should we let the juniors get the stakes or not, then I don't know when to stop I don't know whether you want me to convince you how far we can go I don't know whether you like make a decision already then you don't want to hear so then I I like uh


uh okay and some point I just give up I like okay okay this is what you want, but then with them I can like just keep going and going at some point they'll call me annoying lah but like like okay then fine we got a deal I'll fight you to the very end until until one, one of us breaks like I quit I quit somehow it's me on the stakes ya ya ya like I don't I


don't want to annoy the other person but if they want to know why I think they should then then that's fun, but ya uh I , ,


ya correct ya lah ya lah facts


okay what about you I I only can think of these two with my with that group of friends like humour and like, but argument wait who who's your best friend or who's your partner, okay


, , geez amazing neck


(mmhmm) as in I I have, have before, okay okay I don't know I I get it I get the I get the analogy


, you like you already took the money then throw already


but do you all meet often, okay nice


I mean I feel like if it's like not as not that often then like like when I meet friends that I don't meet that often then I I don't I feel a bit okay about splurging a bit but uh, you can just Dabao and meet at one common place no you #dabao dabao# ya cannot meh no feels then say bye to your money lor you weak spine lily-livered


you all should take turns to plan your dates, [orh] okay okay that's cool actually your resonance frequency thing is damn funny lah I I realize I it just hit me how funny that point is because I my


my friends like we we alone right we got like, functioning humans then you come together right then you're one brain cell , no no no


this !wah! like the !wow! !wow! !wow! !wow! !wow! !wow!, !wow! !wow! !wow! , uh, okay describe your favourite activity oh wait uh oh you want to follow okay let's see uh what like do you have a place you love to visit


cheers buddy I like to visit the Sambal storeroom I feel at home, jac oh you alone


oh that's nice I know that day I I was inside the room before prac because I had a three hour break, who taught you ah that's nice oh you all all learn ah !wah! that's quite fun


why not learn the groove like isn't the groove like easier to learn, for anything, noice


for well done ah do you practise Kaisha on your trumpet, uh okay, ya that's true I should be doing more but I'm not okay let's see uh


I don't need to ask you number ten already lah ah peace baby, the best meal, okay the first thing that comes to mind uh is not the food honestly I don't remember the food but what happened was so my friend went to UK to study law


so one day he text me and saying okay I'm coming back but don't tell the rest so what happen is that I gather my group of friends and I tell them okay guys I I have a, very important thing to tell you all and then uh I, I I have to tell you all face to face so they're all asking me they're PM me eh tell leh tell leh tell leh so their minds are going crazy cause ya exactly cause they they don't know what's going on they don't know like like okay imagine I tell you now allie we need to meet I I need talk to you I I cannot tell you over text then I gathered the whole of us then I said ya


exactly that's okay first of all the ass but okay that mean that means I did a good job acting because they believe that I was capable of seducing a girl, so so uh so then then, and then the the weird part is I had to call his other friends also like we have touch point in the group but we not like as close as like the secondary school group then I pull them in then like I was I was telling like the like the boys are asking like why you calling the girls then I'm like like you know like oh oh because I I feel like I need some female advice


and then they all like they're getting more, they're getting more and more and I refuse to tell anyone so delicious to see their faces so then we're at the restaurant all sitting down then at some point I say okay okay uh she's here then they all like oh okay then I go out then I see him then I !wah! I damn happy then I when we walk into the thing right I think I have the video


!wah! the they they they go crazy eh the boys really like damn, the vibing the vibing then !wah! oh my god you're here, then people start crying !wah! as in the girls were crying, !aww! it was such a moment it was such a moment, the only bad thing is that I was chosen to not enjoy the surprice


no but uh he knew like nobody else could get a girl pregnant


, fair enough


so next time if you don't force yourself I'll know or that that's okay I really think that's okay I really think we shouldn't have to as in it's sad lah, like okay because the thing about this right is that my mum I think expects certain reactions from us when she tell us her stories then I feel bad that I'm like not more excited or not more emotional about it or like like then I I just am I am I bad am I a bad son for for like not reacting the way you want me to react then it sort deviates with everything do cry at funerals


ya same then I I feel bad about that also, okay last one a twenty second speed round what was the best meal you ever had


uh okay then pick one faster you you got ten seconds, okay what do you love most about yourself what do you love most about yourself allison, your inability to act under pressure oh


how are how are you doing good , okay, so uh what do you want to talk about finance, first question savings account okay do you have a savings account


okay so what do you intend to do with, the money are you going to put it there, and just leave it with the bank and not doing anything about it


so actually you are just accumulating your fund in the bank for the for the moment lah right, so, let's assume that you know you you're gonna be working for like, uh now that you are, you are working so you going to have


income coming in so at what point in time do you think you want to start doing something with your money


okay six months time so how much do you intend to actually save


do you intend to spend, half and also to save the rest okay that's like half in half out okay good all right, so uh say in, six months time uh guess uh you can


like it's just for an example if you have, an amount of ten, thousand dollars in your, in your savings account, what do you think you want to do with it


you just want to leave it there or you want to, grow the money or you want to accumulate more


oh okay to might make the money grow in the bank okay so but are you aware of what the uh, interest or rather the, ya, in that sense the interest because the bank gives you interests are you aware of the , amount of interests that the bank is paying you


okay all right but uh let me just give you uh an example, all right if you have your money in the bank, like maybe, you know you heard about fixed deposit right that means


your money is already let's say by then it's already ten thousand dollars lah let's say that is the amount that you have in the bank now and you want to do uh, uh fixed deposit it it means to say you want to let the bank, use the money


and then your money and then uh, of course when the bank use your money for maybe one year or two years of course you can't touch that money lah, uh so, if let's say the bank pays okay let's say that you agree to this kind


uh saving ya, a fixed deposit that means you lock your money in the bank for one year or two year probably the bank will pay you like, between one to two percent, ya, so that in terms of uh interest will be like if you have ten thousand dollars


let's say let's give a uh positive uh uh you know the bank wants to give you more two percent so probably by the end of, two years you just you going to have two hundred dollars, from your ten thousand dollars lah, uh


okay okay that's how the bank works lah and for, for two years that means you are giving the bank the, freedom to use your money, to actually, uh, use your money in fact use your


money to to it to their advantage because you know what the bank does with your money do you have any idea what the banks does with your money, ah, the bank will use the money to actually to lend someone else, right


okay in terms of a loan right so the bank will because you you promised the bank in two years time you're not going to touch that ten thousand dollars , and then uh but at the end of two years if let's say you know the bank will pay you two hundred dollars, right , so two hundred out of ten thousand dollars is


two percent I think so all right ya correct now but the bank, on the other hand with that money the bank will, take, your ten thousand dollars, and of course they going to lend someone, and charge that person


maybe six percent for one year, all right that is if it's a loan right if it's a personal loan, so in other words the bank will make, from your money, every ten thousand dollars they make six hundred dollars in one year


and then the second year, they'll make another six hundred dollar from that person who loans that who who gets the loan from the bank , and that person who took the loan will end up paying the bank thousand two, for the money for your money


and in return the bank will just give you two hundred dollars, but, the bank pocketed one thousand dollars, do you do you think that's a good deal for you, ah okay so what can you do with the money


instead of giving the bank, the promise that you going to take not take the money out for two years, uh so what do you think you can do with your money, let's assume you have ten thousand dollars in six month's, time


you have any idea what you can use your money to, to invest you said invest right, okay do you know what is investment


okay investment okay that's what the bank does lah the bank will invest the money for you and give you two hundred dollars, but the bank's investment, with another third party, and then they will, charge that person, six percent and then


give you two hundred dollars and the bank pocketed one thousand also so instead of letting the bank, use your money actually you can use your, own money to grow yourself, ya, okay but then again when you talk about investment of course there are always risks right


okay, now what is the risk that the bank face when, what kind of risk will bank face if let's say


uh is there no risk at all, okay to you there's no risk right, because your money will be locked for two years and the bank gives you two hundred dollars so you get two hundred dollars so for you it's risk free, no risk but, what about the bank does the bank take any risk on the loan that they gives up that ten thousand dollars to that person


okay what do you understand by bankruptcy


bankrupt is the the is it the bank bankrupt or the other party bankrupt, bank bankrupt okay bank can no can never go bankrupt din okay it's the other person who goes bankrupt anyway, it means to say that if let's say that person took out a loan of ten thousand dollars


and assuming he use it for gambling, right, he used the money to gamble, right, so instead of because, the bank can give you the loan but it's up to that person who use the loan whatever form right, he can he can he can renovate the house he can


uh buy furnitures he can go on a trip , uh he can even gamble the money as what I say right, with the hope that he will uh what is the the the person who took a loan with the hope that he can repay the loan back or rather he want to


enrich himself, that means from the ten thousand dollar he got from the bank he want to make may be twenty thousand dollars, all right , so through gambling, right ah uh that's the risk, all right that is the risk that uh


uh you know uh the bank faces, but, so that's why the bank the bank charges that person, six percent that's the risk the bank face right, so if the if the if the bank doesn't I mean if if let's say uh that person is good then


prompt on the repayment of course the bank will earn, the one thousand dollars right that that from, two one thousand two over two years example the loan if bank gives the loan two years ya so that's


how the bank works lah the bank will take the risk, ya that's why they uh they have uh the uh the the, authority or or rather the flexibility to charge whatever interest


he thinks that, the person need to be charged right, all right, so that is when you give the bank your money but on your hand on your other hand if let's say you, use you can choose to invest your money you can choose to grow your own money do you know of any other place where you or any stuff that you can


grow your money with, okay what about you you buy things online right, okay you buy so what you buy things online what do you do with the thing that you buy online, do you sell it later on or you use it and you don't sell


oh okay okay, personal it's not meant for resale or to resale it no ah okay because some people will buy some things and then resell it, so that is another way you can grow your money all right, okay that is when you're doing it yourself and you take the risk


right because, if you have ten thousand dollars lets say you, you just want to use for your personal use then that's it's not a it's not an investment at all it's it's uh for personal use but if say you want, to grow your money and there are other ways you can grow your money okay example you can you can uh besides putting the money in the bank for a fixed deposit by


you're insured your money is safe uh you can also put the money into uh a business maybe you run a business right, uh, example if you know there's so many online business that you can do right, you can


you can actually buy those things online and then you instead of using it for yourself you can resell it to another person, so when you resell it of course there's where you make the, money, that profit that's why you make the profit ah that's how you grow your money then if you do it yourself but also you can let someone else do the money


not only the bank okay for example you can also , uh get someone who knows anything about investment, like, maybe investment person and then you can ask what are the instrument what are the things how can you grow your money, ya


so uh many many ways to grow your money, all right , so uh but then again, remember when you do investment ah you have to actually, uh face the risk all right then, nothing is risk free


ya, so okay , besides putting money in your fix the uh you have your ATM card also right, okay now, now what do you think does the ATM card, is a blessing


or it's a curse, in what way in what way


do you have any experience with having too much cash and then, uh, not that you are spending it but you misplaced it somewhere or anywhere and not getting it back do you have that experience


quite recent yes so you have lost some cash uh, which uh if you have used your card probably you will not have lost that money


okay now uh uh at the same time do you think that if let's say you have card, with you uh, then you can, freely spend your money, do you do you think that having a card in I I understand it's it's it's a it's an advantage you have the card because your money will be safe


but having said that if you have a card you know it's very convenient to spend right, you don't ah, right do you think having a card in that sense would lead you to more spending than less spending


okay so you only spend when you need to spend, so in a okay so in other words you are a very uh disciplined person, okay great if you're a very disciplined person I think the card will really helps you


but on the other hand just also be aware ah, that with the card uh, I think statistics have shown that people tend to spend more of the card than having cash on hand, uh, how because the card allows you to do


transaction transaction and unlimited transactions, ya, uh so you so you have to be aware where the danger lies, that means to say on one hand if you have so much money with you, probably you may lose the money


right now, because maybe you're careless and, ya lah I mean everybody make mistakes right but I'll hope, you could learn from their mistakes never to carry so much cash with you, unnecessarily I mean it's good to park your money in the bank so that the money is safe


right now uh, but then if you if you need to use the money or use the card, I use the money the card with actually be great, I mean if you travel oversea probably you don't have to carry so much cash because you know overseas may may may not be a safe as singapore right


so you may need to use the card, right but always be aware that the card, may lead you to excessive spending if you're, careful ya, so you need to really have uh you know a very disciplined, uh way of dealing with your


card right okay, so so you know that we have this this talk about the interest how much the bank pays you and how much you can, you can do more if you know how to right you may not know how to but there are people out there who knows how to so maybe what you can do is


get some education probably, find out, find out from everyone you know, the internet is such a big place of information but of course also you need to be careful there are also some information which is not so uh


accurate and misleading right there are misinformation right so you need to find out the real information and understand, because finance is actually it's a very a very wide, and uh very uh uh you know uh very


a huge uh subject you need to really understand , you may not know the whole truth I mean you because I may not know the whole truth also but then again we need to, learn ya to find out, and know what we can do with your money


and you don't let other people take advantage of your money at the same time also you must be safe to know where you to put your money, right and so, I think this is where you need to, be aware of lah, do you have any question for me dini


oh I used to have a debit uh credit card, and the reason why I'm telling you is this because the credit card is a monster


it leads to excessive spending ya, and you when you do that you can't control you go into that, because that is not your money, I would rather have we have a debit card, with actually your own money oh I think our time's up


stop button for finance right okay


that , that's right that's right


negative experience, hi danny welcome back to the session it's almost going to be like one hour now into the last, twenty minutes of the discussion and we have shared we've shared a lot of things you you shared with me your your


good experiences , your interesting places that you went to, and, and also you've talked about your hobbies uh and now we come to this topic of uh you know anything that , you know we shifted that uh, negative thing to the last and so maybe you have any negative uh experiences in your life so far today do you want to share with me


okay no problem I I love to I love to because you know why because uh of course the good things uh, you can share with me you can share also your hobbies and all that but of course I guess right now you may not have not much of negative uh


experiences right besides besides the normal you know people uh, you know you don't get, to the reaction what you wanted out of people but I can share you some of my uh experiences my my not so nice experiences okay one of the thing that I wanted to share with you actually is back on the first discussion first part of it's about finance right


why why why you need to be very careful about uh finance right because uh the reason, why I ask you about the bank how the bank work if you can remember how they charge interest and then what the benefit you get, from uh


from that transaction right, now if you're if you're a lender for example if you like now for example your case you are beginning to work you're starting to work I mean good, hopefully you get a permanent job in the future ah if MRC has something good for you maybe they can offer you because you are quite a good uh uh you know speaker you are very interactive ya maybe they can find you you know uh over here lah but if they listen to it why not ya uh


I guess I know you have that experience you have a very good uh right up from your from your previous uh lecturers uh okay so uh finance why uh I'm very uh, much a , uh concern because


the thing is it is uh when you put, money in a bank right the bank give you some interest right, that is you have the money but, if you are on the other side if you're if you're a borrower right then you are in need of money right


so when you need of money then you, we need to borrow right because, of course I mean if you go through life it's, cycles of life when a time when you need to have your finances run short especially like me if I'm working as


a you know I'm doing, uh, you know I'm not uh I'm not on permanent payroll I'm , I'm doing jobs which is actually don't pay me , uh on time, you know you have those time when you have more money there are time that you have less money


and of course when you have a families later on your finance will always be there, the expenses will always be there that, expenses uh will not go down where there are access will go up now, what I can tell you from my side of the story is that if


my finance uh, , I am quite careful in other words ya but then again you know there, are times when you how careful you maybe uh, you may end up borrowing money right there are, time I need to lah but when times are good you can sustain you can pay back with interest of course right


of course you always pay more because you are the lender if you understand lender and borrower, ya so you end up paying more to the bank higher interest , now , now if you're not careful if you have this credit card right if I can tell you something about my experience that I'll I tend to to to


take money from there you know not only that you can buy things on credit now the bank has also uh, very ingenious way of taking money from you , uh drawing money from you or getting business from you by lending you money


not from your credit card but they give you cash upfront of course when they give you cash to spend more instead of buying on credit but now they give you cash to buy whatever you want to buy, you know of course, once you get caught in that circle


right right there'll be no end ya, so my point is, as much as possible uh don't don't don't use the banks money, right, if you need to spend spend on your own money right, now I relate to my experience so so having having said that uh when money is


is is coming out freely you tend to spend you tend to do a lot of things ya, and, some things are not necessary somethings are of course necessary but you'll end up borrowing more from the bank when you end up borrowing more from the bank, and when they give you instant cash that the trick is that you will end up paying more high interest


which is not only six percent but they go on a, daily percentage uh roll over meaning to say if you own them, ten dollars today you don't pay , all right tomorrow you owe them ten dollars and then the next day you they'll charge you ten dollars interest again and on and on and on all right


main interest it's not fixed but it's not only that it's roll over interest I mean, ya so when you when you get into when you go later into finance uh a bit of uh you get some friends or some help from someone who know about finance right then


they will tell you the effect of it that is compounding interest all right, , but uh you know when you have so much interest compounding everyday and you only pay the minimum sum, right now, you forget how much you'll own


you owed the bank but you just pay only what the bank wants you to pay , which is actually to their advantage because remember the bank is out to make money from you, right from the borrower right uh, if you're a borrower you the bank will squeeze every single cent out of you


right so , so they give you free money so when you get that money and then they'll charge you interest and interest and you just pay only this minimum sum that means out of example uh, two thousand you take the money from the bank you just need to pay fifty dollars !wow! that is a very very very


uh uh uh, uh it's start of your trouble ya, so my point is, don't take don't ever, get the bank to issue you a credit, card unless unless


if you can control your spending which in most situation, people cannot control their spending, ya now, because you know I tell you why because why you can't control you know why you can't control


no no no no you why you cannot control spending, let's say the bank gives you, okay you know credit right, you know credit you know debit right


okay do you understand debit credit, okay debit means the bank gives you money credit means you give the bank money right , now so when you banks give you money you have a debit card, okay when you, uh they they call it credit from their point of view lah because you become their creditor


ya, they give you money so you are the banks, creditor Faham, you loan the money from the bank okay that's why the bank can charge your money now the bank has, will always give you money to the max lah to the limit lah so because when you get when you are spending


not your money someone else money that mean the the bank give you the credit, card , bank is giving you money to you to spend but it is not your money, so ya, it's a tendency when you don't have


when it is not your money you don't care what you just spend ah just spend it's not your money, agreed okay but, when it that's why you can lead to excessive spending until you spend to the max, because it's not your money that's how


psychology works lah it's not your money, so but then when, you have reached the max and your interest keep on snowballing every month that's why you end up with a, credit problem, you owe the bank money when you owe the bank money you are in trouble


ya, that's what happened to me when I have credit cards, right, so whatever I earn I pay the bank, whatever I earn I paid it because this this what I spend it's the previous spending not the current spending, ya


snowball effect so uh and with the interest I will keep on spending and spending and spending uh until a time when I cannot draw money from the bank anymore then the interest start snowball then, I don't have money coming in, the interest coming up I'm dead


uh see see the picture, okay, versus if you have a debit card which now you are starting on you have a debit card that is your money all right, that is your money so of example because if it's your money, of course you you can spend the whole of it you can spend everything then you don't have any money


but still you're not in debt you're not in debt, it's because you don't owe the bank anyway that you are spending your money, you're spending your money correct ya, so that's what happen, to me when, I spend excessively because I need to spend for some of my expenses my business expenses because I'm running a business also so that's why I need to spend for some of the expenses so when you so when the money comes in the money goes out there's always a you know mismatch lah


uh so, but then again the point is for anyone also for anyone also, for everyone also, don't don't ever use a credit card that is my bad experience, very very bad experience never never


now nowadays we have debit card please use your debit card because debit card is your own money when it's your own money, the most you spend is your money you don't spend someone else money, that's it you're not in debt, and being debt free


is a wonderful feeling, that is my positive experience ya if so from my negative experience it's because I have a lot of debt but when I cleared out all my debt, I'm, loan free I'm debt free it become a positive experience I can sleep at night


I can I can, meet my friends I'm not, always worried, when need to pay the bank ya because the bank is in a term if want to put it bluntly they are also the #ah long#'s


you know #ah long#, uh but they are the legalised #ah long#, now, but what what is quite sad what's quite sad in our system now, is no one, teachers the young's about this that is what, I'm I'm very very uh


sad lah, all right I don't know it's by default, or is it a capitalist style of way of doing things, that they want you to owe money, spend money but not save money, nobody talks about saving money everybody talks about spending money the


telcos asking you to buy new telephones, the the, the shopping centres asking to buy the online, business getting your money so everyone's out there to get your money, right


so be careful with your finance


oh yes yes okay okay I think initially initially , there are lah of course because uh you know when , you can control your spending uh in other words what I'm saying if if you you can use the credit card, uh if let's say you're travel travelling overseas to make payment because last time there's no debit card


right, so the the credit card was useful because you don't have to get a cash remember the experience you lost your money, ah so instead of you carrying money or traveler's check for that matter, uh, you don't need to carry those


cash, and then you credit your credit card can it can make payment at, all the outlets that accept credit cards that is a plus factor, right, it it makes your transaction, easier and safer and safer so you don't carry money


right but on the flip side, on the negative side, right uh, you'll tend to spend easily of that card because like I say that, credit card that psychology behind it is it's not your money it's someone else money when it is someone else money


psychology will tell you also you you don't care you just spend


ya ya ya like I say last time we don't have, debit card we only have credit card should, I know because I'm I'm telling you this because now your time you have this option of a credit and a debit card so you can choose never never my time there was no option it's only credit card and I need to actually use that


I don't have a debit card , so okay again I I I can understand your point because you know it it's all boils down to discipline how much, discipline you need to have , I would say maybe at that time my discipline level was not that high right so and also because of necessity to get things done because I sometime need to make payment


uh, for example just give you a an example, okay when I was doing , uh some, some transaction I need to, pay certain vendor certain money, right but , I can transact using the card


easily faster, instead of keep going out there, and giving the money to them right, uh example example let say if I'm I'm uh I I I advertise house for sale is that I I used to sell house last time , so we don't get our money yet so we have


to spend because when you're in business you have to spend first you have to invest, and then, because as I say last time money was very easily available the bank gives money they they just give up money easily they give so many credit cards


so you don't think about it you lose track , you lose track of how many cards you have, you just use one card another card this card then that card, for all you know you max all your limit, right that's where the problem comes in, right , ah so again I would say if had I uh you know exercise a bit more more self discipline perhaps maybe I will not land myself in trouble


but that's where ah sorry


ahead plan ahead yes okay and on top of that only buy the thing that you need don't buy the things that you don't need right because like I say you know everybody's out there to get your money right and this is one of the thing that is lacking in our school system


uh I don't know whether it's deliberate they don't teach these things in school right about the value of money uh which don't equip, yourself I suppose and there are others uh in the the value of money how money works see this is the uh tools that I think need to be taught in school


start early I mean because school is where you know you know in my time ah when you were so poor we have the saving squirrel you know what saving squirrel is it's an it's an initiative by the bank POSB for people to save money


you know we put we have this uh this people where we go to the bank and we put whatever we can put it ten cent twenty cent and they give you stickers and you stick up on your on on your on your on your savings uh album right at the end of the day you know you have so much money saved in the bank I think that is a good initiative


but but now we don't have that now it's it's the reverse everybody want you out there to get your money they don't tell you to save your money so my point to you if I can give a last thing short is spend whatever


within your means don't go excessive spend with your own money don't use the bank's money or whatever money whoever money don't all right this is a starting point learning point, for for for for people who's just entering the work force uh because you'll be getting money right and you need to know how to use your money


and you need to know how to put your money to good use proper use and not misuse question we almost end of I have spoken all my bad experience to you but I didn't hear from you hopefully you have very good experience ya time's up


hi hi okay


positive experience, hi danny we're back in the second session right, I understand ya you you want to ask or I ask you, okay sure I understand you you like to go to the gym ya


uh that it's your hobby right what makes you like to go to the gym


okay so when you, right when you say you have a, uh personal problems so, I mean you, don't really talk about it and you go to the gym and, do your lashing


oh okay that's how you destress lah in a


can can can you recall what are some of the negative thing, I mean we're talking about positive sorry, okay let's leave it to the negative, on the second part of the discussion or where are the last part of the discussion I understand you also play golf right when you're much younger


uh so can you describe your your your golfing experience


so but then but then you you didn't trying to go into a school where, there, as a golf as a CCA when you uh you know uh building when you uh build up your hobby


oh I see so you but but but you this do you still, pursue your hobby I mean do you do you still


oh is it but I but I but I thought you have a like you know there's public courses in singapore where, you can go and play and you even have the you know can even practice at a public, (ppc), ya excuse (ppc), (ppc)


(ppc) excuse me (ppc)


uh what what about the executive golf club uh you know uh do you know that it is a public, uh golf course , ah I think you did play at that course some time in your life when you were a bit younger, so


ya it is somewhere in seletar seletar reservoir, ya, it's a very uh it's a it's a it's a small golf course it's a public golf course, uh, and you you don't have to pay that much to actually


uh play there but uh, if you but you you ever played in in singapore, before I mean singapore courses besides the, the one you mentioned about the marina


so meaning to say you when you help out at the competition and then uh you have a chance to play, uh on another day


okay okay I see I see so you you experienced how it's feels to to play at a, one of singapore's uh top, golf courses yes uh ya I envy you for that and also you got to play


uh in an environment where they set up the course, uh, for for professional gain right for a for a tour ya , okay that's that's one good experience ya uh, uh so can you describe your your your other experiences in in school were you able to when you're secondary school uh I mean when you're in your primary school do you have any likes not good experience in your school when you're in primary school


that you can remember, any any any exciting experience uh when you were in primary school, oh ya whatever whatever interests that you feels, makes you feel good about


in as a child when you go to, how about your secondary school ya


well there's nothing wrong with it, yes you got got it okay that is on the academic


uh I mean the, side which I think you did pretty well thank goodness Alhamdulillah you you you've you've found your uh your motivation and you work towards your motivation and of course I'm very happy for that for you ya


but uh what about your your other, experiences besides the academic experiences do you what about your CCA besides golf is I understand it's uh, it's a it's it's standard CCA because your school don't have that CCA right but what do you what do you do in your school your CCA uh do you can you describe some of it and what are the thing that you have achieved from


besides the chance of visiting the country and experiencing new zealand culture and you also got to experience the uh, uh SAF uh how the operational capabilities of the SAF


uh there was a live uh was it live uh flying session that you saw or it's just an exercise


and firing live uh ammunition live rounds so that is a really uh uh, out of one of the kind experience I I think you I I I don't even have that kind of experience when I was doing my NS merely just need relief you know use our rifles m sixteen to actually fire some


live rounds at the flying range which is a, uh what, normal soldiers will go through lah but you had that experience of going overseas, a nice experience and then you got to see for yourself, how the, actions uh was carried out and


I'm sure it's a very lasting, experience, for you ya ah that's good that's, good now what about your other CCA do you have I mean that's and CCA one of it do you but do you do you travel during your, your uh secondary school days overseas uh for any projects or any uh


uh, you know uh by exchange programs or anything like that


oh that's interesting that's nice


oh okay maritime industry all right


and not not on the pleasure ship like uh , it's uh cruise carribean not like that lah but you're working working as an, you were there as uh as an intern I would say to experience, right, so you get to experience uh what's life on board a ship but do you manage to sail out of the I mean manage to sail


out of Tokyo to anywhere


okay okay


that's very interesting you have, you you went to japan and uh you went to, where was the other place uh russia russia for the, for, for but in russia would do you ever were you able to, set foot on the ship


do you manage to go out


oh that's interesting, oh okay that's nice that's nice to know


winter okay so you


nice so you get to experience winter sailing in a, uh in russia all right and also in in japan right uh these are the two , very


wonderful experience I suppose you you you bring it to, ah you can remember in your your your, secondary uh your poly days , and your secondary school days also you have, your trip out to new zealand and


also you had a wonderful, CCA, I was, pack of your school which you play golf so I suppose you have a very , good, uh fulfilling, teenager life, would you agree with that I mean not


not not many not many teenagers had that chance, I mean I know I don't have that chance I didn't have that chance to travel all right, ya so you are very lucky indeed Alhamdulillah you managed to, to go to see the world


ya so interesting interesting , uh okay we are going to, end the session very soon so we we we'll uh catch up the next session all right welcome okay


uh yes I do have


for now ya I don't have any plans to, uh make any, further uh investment with the money so for now it's just uh, solely on saving up and ya making, ya just just making more money through


through that just just having more balance accounts in that that, account ya ya over time yup


given the, what I'm uh err have, what I'm getting every month, I would say in six months time would, be, if I were to split my salary in half and I would save half of it


I think if uh now would be to accumulate more until I'm uh I think that I'm, financially stable then ya I would I would want to, have an investment plan somewhere somehow, then ya, to make the the money grow in the bank


I'm haven't done much research on that


ya understand


ya, <B>


ya, yup, no no


correct, as far as I know it's only through


uh bankruptcy


ya the bank bankrupt


no okay, okay, (mmhmm)


think it's both but, for me personally it's more, of a I would say a blessing ya in in what ways because I I tend not to draw out cash also


tend not to draw out hard hard cash uh so for me that way I would limit myself to not spend, when I when I go out only when I spend I I only spend it on necessary items


meaning meaning to say when when I have cash on my wallet I'll tend to spend it more, than than I should, so when when I don't have cash in my wallet I only have my card with me so, that way it in a way it, limits myself to not spend unnecessarily


so for me ya that that


ya ya I've I've lost it once also actually, ya, ya it happens it happened quite quite recently


ya because if it's in my if I don't have deposited it and it's in my bank I could have just freeze it in a point where I've lost the let's just say I've I've lost my wallet, uh ya that that cash is in my, I have not deposit it I can freeze it and it will still be safe whereas if if I if I have the whole the cash itself then if I lost it


I risk I have a risk of not not having it back


especially online online sales, and all that ya, maybe that , in my in my opinion that depends on individual but for me as a person I'm not ya I'm more of a I don't


spend when it's necessary ya so correct ya when I need to spend so yes, spend


(mmhmm)


do you have both uh


negative experience


oh before that you can since uh for the past two discussions I've, you asking me ya so they can take this one [orh] ya


hopefully


ya okay


uh so it's a snowball effect


, okay


advantage side for you too, owning a a credit card


okay but wouldn't you, have a a thought in mind about let's let's say okay this is not my money you see, this is not my money so I'll I for me if I would be put into that situation, I I would I would rethink about you know


before even spending or before even, processing that transaction the thought okay this is not my money so no I I I will question my choices right you know whether this is a, the the the right the right way to to to transact this whatever payment that I'm getting or should should I is there is there another alternative way you know for me to


hold it back for more like for example I say , okay instead of uh, making this transaction like this moment I'll give it I'll give myself two two weeks or maybe a month, where I'll save up on my own, and and have this my own hard earned cash money and you pay ya so basically I pay using my debit card instead of my credit card


ya I, would that be a possibility no


so in to, to summarize this negative experience the, the learning uh the learning curve of of this, will be to you know have a, to pre plan your you know you have of of a solid financial education on yourself or a a proper investment planning


so ya you you plan, ahead so to say plan ahead ya


start start early, ya, answer, ya


to to the right place ah, ya


uh straight maybe you can start with the, uh just creates a


very positive, uh vibe around me and, just when when I'm in the gym then, I, if whenever if I have any problems outside or at work, it helps me to distract myself and not uh to


focus on that rather than to just, have my own time in the gym and focus on myself and my my own progress, ya personal progress


guess that ya that that's one way of, ya for me to, destress ya correct that's just one one of the ways besides nowadays we we turn to, have netflix on our phones also, just just casually watching videos on youtube


that's another way of me uh destressing myself and just, not having to focus on the, negative things in life


it was it was a good one uh it was, , I I I had lots of fun even ya, I even, it was I started I think, very very young uh, I don't recall the exact age but it was for quite


quite a a long time, throughout uh ya from kindergarten all the way to early primary school was a starting phase I would say then from there on it it leads up to having a more serious uh


more serious, uh decision whether to proceed to uh, singapore sports school as one of the, choices to further my passion in golf ya but I think somewhere along the line I


uh decided not to, and I thought of just, going through a normal uh in a normal education system for that, and if uh if the the passion would, to really still stick with me then, then, it could be a side side hobby


or like a, back then would be like a CCA uh, ya CCA in in in secondary school or in, uh polytechnic, that's that's the that's the that's the road that it leads up to now


uh in polytechnic when I first started there was actually the, the year that uh, cause I was in singapore polytechnic so, that year was the year that they, took down the CCA I actually had had had uh wanted to join golf as a CCA back in polytechnic but


when I join then that was the same year coincidentally that they, because ya because it was partly due to uh, not having enough members and also the they were struggling with the finances part on their end, ya so


not not not as much as before, in terms of golfing experience not as much, ya cause now also uh there's it mean in in singapore's context also it's golfing is quite a expensive hobby


ya there's a as to my knowledge I think there's only one public golf course in singapore as of now ya it's ya ya it's in the marina bay, which is open to public, ya the the rest, of the golf courses in singapore that I know uh of


you need to sign a membership, and ya it's probably like a year long member or something like that


not that I can recall, yes, oh ya ya actually yes Sentosa was once ya I played I played there actually a a few times but that was ya that was, that was because I uh helped out as


the volunteer in one of the golf , competitions in singapore ya so Sentosa happened to be one of the top courses around the world, so I was I was quite lucky to be able to have that experience to be able to play there to to to go through what the professionals go through and have


ya and and get that same golf golfing experience like them ya it was ya it was good, ya on the on the very next day after the competition ends ya so the the the condition of the


the golf course is still as a, it sticks to the uh professionals uh, condition and ya we basically have the best experience, unlike if you were to let let's just, give an example if you were to walk in on the normal day like now, ya it would


would not have the same type of conditions as, yup


thanks


related to golf or this one a separate topic, oh, uh uh, okay, maybe I would not touch on primary school because I cannot recall but if uh


, maybe ya secondary school ya I was uh , because I ended up landing in a normal academic stream so ya because of uh not so well PSLE results but ya then when when when I joined uh


I as soon as I join in secondary one I had the, I had the thought of uh because that back then uh there's a possibility of jumping from normal academic to an express stream, ya you have your secondary one and secondary two you have within this window period to to jump to in when in secondary three then you can go to express so ya that that was my source of motivation but somewhere along the line it it I I somehow


managed to I mean that uh I I did manage to secure that but after, after doing much thinking I I decided not to so I just continue in the normal academic stream but ya then towards the end of my secondary four there was this uh


option, or not it's a it's a very new scheme where they offer for normal academic students to, instead of taking the o levels and going to sec five but you go into polytechnic and have this one year foundation program so it's it's a alternate uh stream to


secondary five and going through o levels basically, ya so with with with that uh you will have I mean that person will need to score, uh, the n levels score should be eleven and below, ya


then I remember that uh I, that was back then that was my motivation to do well , so uh ya I I did, I did pretty well in n levels thankfully, ya, so all the hard work paid off then I managed to secure that spot to to basically go through this one year foundation program in polytechnic and


ya so I don't have an o level cert, but I ya but I do have a I mean the next uh latest qualification that I have as of now is a diploma which I just ya


, it's, uh in secondary school I was with the NCCE is national cadet corps also just uh one of the main highlights throughout that, that four years in NCC in secondary school was that I managed to secure spot also in to basically it was


just the ten of us in singapore, ya then we managed to go to new zealand, to experience this uh, basically the SAF uh conducting exercises there in new zealand themselves, so ya it was a very once in a lifetime experience as because we back then we were sixteen seventeen years old and ya


no no other, students at that point of time have that same, luck you know to to go through this experience, so we we considered ourselves very lucky because I I was representing my own secondary school so we have about ya about ten ten to eleven more with students with me all from different secondary school also


so it gives a very, a a very, a life changing experience in a way to to be on a different ground, and to to see how our army also is conducting the exercises


ya it was a live firing experience so it was roughly about I think uh, just we we are within that same uh vicinity so ya the, we we can hear loud loud explosions and all that it was a , uh the unit that went for this exercise was uh artillery exercise artillery unit


ya so have their their own version of I mean the artillery vehicles and all that, ya, life rounds


not not in secondary school not that I can recall but in polytechnic years in my final year, I manage to uh, go for this exchange program not once but twice within that same year so the first trip was to japan


and, the second trip was to russia, so ya ya that's uh these both trips happened like, quite back to back within within the same month if I'm not wrong, ya so each trip takes about two weeks as an exchange program so I was in the marine


maritime shipping uh business in, uh diploma in maritime business, ya, ya so these exchange program was , uh for us to learn, the, learn how each country you know uh how they their their industries coping how their industries going about in their daily work and all that so in in japan to be more specific uh


we went to this city called, uh toba, toba is toba is part of Nagoya, ya so it's just a small I would say a fishing village in a way because ya so I had the experienced to leave, and


live and work uh we we we don't really work but we I mean we we were seeing them working so we but we were living in in that in on board that ship, then ya, so it was a it was for me I've never been on board a ship you know


I'm talking about merchant merchant ships to you know go go out of sea so this was


uh no uh there was just one day that we went out just just for a round about because uh that that period that uh I was there it was happen to be a typhoon period so the sea conditions were not uh in our favor


ya, so we were not uh advisable to go out for long time but we did manage in one of the days but it was just a short round about, ya so it was still nice to have that uh sea experience


ya it that was not ya that ship was not really a merchant ship, was more of it's a sailing ship so , based on my understanding and if I can recall correctly it was a


ya if you ya it's called uh it's called palada, ya so ya it is uh it runs on , half engine and half you know those old ships where they set, uh, ya set sail ya


so it is ya it's a, it's a mix of, as they are running on half engine and half sail, that that's another experience because in russia as well it's a when we went there it's it's winter season


ya ya, so ya we we managed to go out on the sea also but it was very the sea conditions was very cold so it was, only for for a short few days uh as well it's not it's not the full cause I went there for I think about ten days, so we were out out in the sea for I think about two


three days but it was it was a very, positive experience I I I had ya


so we begin like read the questions, uh, oh okay okay so how do you this so you can just talk through all the questions right


okay can so karthik you want to start you can just pick any question then you can just talk, , okay uh


okay so I'll go out with the question to what strategies would you recommend to someone planning for big ticket expenditure like starting a family and also I feel like personally you are uh like we have to start saving when we are young because like nowadays we don't know like what will


come true like for example the COVID nineteen also so we don't have like uh when we didn't have savings then it would, it was like very hard for us to even, continue with what we were doing so I feel like having a saving when young itself is so much


better so that in the future if you all want to do like any big plannings and what it will be easier, ya so what do you think about that I


can't hear you are you talking


uh the question for like should you do the DIY or financial advisor what do you think


for me I feel like maybe getting a finance, financial advisor is better because like, uh you already will know how much you need to keep aside like monthly I mean there's pro and cons for it because uh if you can't, like save that much of amount that month miss then I think there'll be some issues with your saving already lah but then at the same time like you keep a fixed deposit for every month then like at the end of like maybe ten years later you see a big amount which is


so much better like you will know that oh I've been saving and it has been worth it then also like that I know that some banks will also give like interest and all so like it will really help with the savings


okay so from my point of view I feel settling your, ya so like if a person have a lot of debt I think he should slowly like do some slow like monthly you can maybe put like a small instalment plan by your own self by paying every month like a small amount of money so that he can at least cover up within a year or two ya


so, how do I manage my cash flow is basically when I know my current job is actually weekly I get allowance, so from that itself I will plan like okay this week I have to keep aside for this, much of amount and what expenditures I have so for example like for traveling purposes like my grab and all or also like like public transport I need to top up my EZ link card so that amount itself I will keep like with the first week of my pay so everything I'll segregate properly so that I won't overuse it


then uh also like, by the end of the month I also will know like what I already have keep like kept aside, for ya, so how do you manage your I think you already talk about how you manage your cashflow just now right


okay so uh what I think about CPF contribution is , it's a part it's a type of saving but then it's a very like during like for now like I'm a student so I'm like working part time and also when I contribute CPF it’s it's really a hard bit for me because my CPF contribution is quite high


so I as a student I will really prefer like instead of contributing it to CPF I can just take its as cash but then at the same time if, there is CPF contribution it will really help me in the future


so next ah can you hear me clearly, okay okay uh sorry wait ah uh okay so what do you have, okay what can I do to earn extra income


so because now like uh I also like do full time work, and also like during the weekends I also help my mom at her beauty parlour and all so like I keep different kind of saving so like working with my mom I keep a separate saving


then working in my current job I also keep a separate saving so I feel you can also juggle your job and then like do two jobs but then at the same time if your job like you have to commit like six days per week means, then it's very hard for you to juggle like two jobs so I feel like planning for a job is


something which can actually help to increase my, like get extra income, ya


okay so uh me


uh so I mean I do agree with that point because, I myself I spend like, like my money cashflow will just go like easily when I have like a credit card like I I don't need to go and like last time when I don't have a credit card I only have cash in my hand I will think that okay I need to only like


spend for this and this only but then now now when I have my credit card like I will tend to overspend sometime like shopping online then also like on food or what I'll I'll just spend like without even thinking so , I won't say one shouldn't own credit card lah but then if they own means they have to be responsible for whatever they spend for


yup, so next


like citizens stay in singapore they fear there there is never like they retire comfortably or they retire happily it's just like money is never enough for everyone actually so like like for now itself they have to really plan their


thing well lah like uh maybe they can also like have their own financer who actually plans


I mean, maybe he has lah but then I think, most like maybe sixty percent I don't think so people will retire comfortably ya, so if want to really retire comfortably now itself you all have to like really like work ethics you have to really uh work hard and also like plan whatever expenditure you all have to do yup so and don't like spend unnecessarily


ya uh uh I've never, heard about that scheme before , do you know anything about it okay


okay so how would you make a financial plan investment portfolio for your family or children so for me I feel like now itself where I'm only twenty one but then now I itself I feel like , I have a lot of expenses, to cover and also like now because I've started working I have two also give some


money like for the house rent uh like the house, every month need to pay and all like those uh water bills, then electricity bill so like now itself I have a lot of expenses to cover so when I have like my own family and my children I'll also like teach them from young itself like what


you all have to cover at what what age so I also like give them separate responsibilities because it cannot be just me working so hard like for the family till like, getting old and also I'll really sit down and educate like my family and my children like on how important it is to actually keep this much of saving every month so that in the future I would it won't be difficult for us ya what do you think about that


your opinions


okay so back to the first question so how do you invest your money to accumulate wealth or planning for your requirement ah retirement so like what did I what I just said just now like uh


savings and also keeping aside different different type of amount for the house, payments and all is actually very important so, how I invest my money is for example if I get like one point six this month means six hundred dollars I'll keep aside


so for like the house expenses and all then I will keep ah like those transport type uh, expenses also aside, so like different different amounts I'll keep aside so that I'll know that what I'm spending on and also I'll keep like records, so I will also like every month will check uh my


uh my bank history like whatever things I spent on then also like I'll think I'll think and see like if it's really worth it to spend that much of money on that particular expenses


but then telling the whole time like


so I think that's about it for, this ah sorry


ya you just trying to actually cover up the questions and all


for from what I know like nowadays people actually spend a lot of money on their renovations they want it I mean I understand they also like want it to look perfect and all but, I feel spending, so much like for that particular thing


it's like going to bring down your, other savings like for the future like after you do the like make sure the house is good an all then like the next month when paying like the bills and all you'll still feel the heart pain, so ya so that I agree with kathi lah like I feel that you like


a person who is like going to buy a house like shouldn't do it like so so grand so that it will I mean if they have the money then it's a different thing if they are just like a average person then I think, they can actually just, like do it like okay normal maybe the following month or like three months later they can actually still uh improve on whatever things they facilities they have it at home and also like for example nowadays I feel ah people like spending so much like


for example like on a marriage okay they spend so much but then it's just a one time thing in their lifetime so like , spending so much for a marriage also I I feel it's not really very advisable, ya so like nowadays sorry ya


so yeah so that's why I'd really advise like people who are spending on like house or on marriage like to also, see see like see how much they want to spend lah like have to really plan for that all cannot like overspend


part three negative experiences, okay so what is, it's up ah is it okay


okay so uh what is the biggest, thing that actually annoys me, biggest thing that annoys me like, when like cancelling plans maybe, ya like I've planned like so much for this


day like I'm being excited for this day then at last you just tell me oh I'm sorry I can't make it, like oh I'm sorry I I have to cancel our plans so that is something that actually really annoys me how about you


okay I I skip the next when I'll say uh what actually I, describe what I dislike about younger generations like this time sorry wait ah okay ya , so I feel this generation is really very different from


uh, we tend to give them a lot of attention and like not, how do how do I say that not really, correcting them ya so like, every time like even they want to they want to keep quiet means the parents will just give them the phone to watch youtube video or like even eating time also when they


they feel like oh they're not listening they'll just keep the phone in front so I feel like this when you all start young time already the first thing it actually will affect their eyes and the other thing is when they're growing up already they would want a phone by themself to actually, do this kind of thing because they were already


taught from young that phones actually keeps them entertained but then I feel like because my my auntie has a lot of children at home so there'll be like three children at home young kids so when I go everyone will be actually, being on their own like using the phone but then I feel like the relationship what I have with my cousins back then is not really the same like what I have with these kids because they feel like phone is


more bigger entertainment than like talking and bonding together with their own family members


okay so I'll continue, ah me uh, for me I feel there's no worst travel experience because every travel every particular travel has its own


memories and it was actually a very memorable for me, so I don't think so there's really a worst travel experience for me do you have any, karthik


do you have any worst travel experience, okay then never mind it's okay uh so, describe, a time where you feel nothing you do is good enough


okay so sometimes I mean, and there is a few times I've had this before like I'll be like doing, I'll be like making putting a lot of effort in like doing that particular thing for example like maybe okay editing like a video or something so when I edit because editing a video nowadays is not very easy you have to like