and you don't have it right then like it will kind of like , it will kind of like be very hard on you in a way like you bear the consequences of not like doing thorough checkup and everything yeah and also like uh cause you are responsible for what you sign like it will be very risky also


angel how do you spend and manage your money


so, what spendings you should justify


prompt three out of four


I think like here's a lot of things frustrates me like uh example like, I damn like if I'm very stress like I get very frustrated easily like when I have a whole like stack of schoolwork piling on top of me like


it frustrates me a lot and I think like it'll like bring out the bad attitude I have towards people like because I'm stressed I know it's not a good thing but it's like hard to control for me ya, I think what frustrates me also if like having to repeat constantly repeat myself like example like if I ask one thing or if the person like answer or if the person like I cannot hear me then I like repeat myself like ten times then I'm just like


forget it cause like I'm just so frustrated like like uh I don't I don't really like ya, so , what else frustrates me ah I think uh I, think like, I get frustrated by very loud noises ya like I don't know why but it just do lah it's someone like speak to me like very loud this kind of thing like I just like I just feel very frustrated like why must you that kind of thing


yeah how about you


you know what is the worst thing you have witnessed and kept quiet about


for me I think like it happens during fights and like, uh, beating people like it when fights happen I think like like example like I know something but like


uh okay let's say if you stand among friends like example if I know something but, because I'm not allowed to say it so like the person feel like the person keep blaming him or herself that kind of thing but I'll feel very like I feel very like I feel very in a way like


I think blame like because like it's like, the person feel so bad already and it doesn't help that I know things in but because it's a choice to keep quiet about like I have to keep stay quiet because like it's a promise that kind of thing if not like ya I think mainly like this kind of thing like having to keep quiet happens during fight


when you are in no position to like like say anything that kind of thing, but like you know that what you say can actually be important ya, yeah uh, I think other than that it's


like uh, like sometime when it comes to friends and stuff like if I find out something like, uh, I'll just like keep quiet about it and like just see how it splits through and how the person like


like exenorating yeah, uh so like, in a way is like sometime I get inner frustration that kind of thing but it's a choice that I do to keep quiet about it and like in a way like, move on but not really move on ya


person ever like a movie that you were, playing game when you watch


(hmm) I don't know hobby not really because I I watch a lot of those kind of like


cartoons so like, there's never a movie that I'm very like angry to watch I guess


for me I think it applies to like my parents (ppc) like I know what they need that kind of thing like sometime they need me to be there but like I know why but I just can't like, sometimes uh like, especially like in times of fight that kind of thing like


I don't know how to approach them like, uh, like I'm really there for them it's time of their need so


okay uh for me, my greatest, fear ah I think like, I'm very scared of like death like the issue of death, and worry what it brings


yeah, lah I cannot take it when someone die that kind of thing like I think I'll need to be like, there's you know like handful of rumors that kind of thing like so to me like it's very traumatic when someone dies lah, yeah, ya like ya it's very overwhelming for


fear ah like such a phobia sia I think like I'm quite scared of the, a dark like, sometimes like it's like I don't really scared of the dark but sometime I'm scared but sometime I just don't like it so I'll like sleep with the lights on that kind of thing ya


ya lah, I also like, uh for phobia ah uh , I think like I'm quite scared of like, like, a lot of insects and like the ya cause like I get very sensitive like my skin gets very sensitive


describe a time uh


what disgust what disgust me ah, I think what disgust me the most is hypocrites besides if you say one thing and, you actually do another or meet the other like I feel very disgusted or like I feel very disgusted by people who actually


like, I think like I get very disgusted by people who are very like desperate in the sense yeah


yeah, like it's like or like people who try too hard leh is like why must you go to that extent, yeah, uh what disgusts me I think, so like uh


people who already like, know that they are caught but they still try to like go the extra mile and, do the extra step to like like, convince them that it's not like you know like


like they still try to like lie their way through even though like like you're at a dead end, guess like what [orh] [orh] [orh]


uh not really I think I am more manipulative than the, than others but like like when it comes to like uh, it's come to like, like example like I got everything out on the table for you but you still like try to convince me that is not yeah


it's like you are still trying to lie away through it hunting, like uh something that make you like the most angry in your life that you could think of


I get what you mean lah like (ppc) like, uh, like might agree that I let it like people like affect me like so much that kind of thing


someone feelings are, I think like sometime is unintentional like maybe like I think a lot of, sometimes when you hurt someone feelings is like sometimes it's not really intentional because is like example like if you say things like it can be passed off as a joke but like deep down you will know if the person is really hurt or not yeah because like I think at all age there's a lot of ego going on so like I think it's very hard to say also


so like what is an issue that you feel upset over because you feel the world needs more of it


what do you think you can do about it then, so are you a vegetarian


well this


uh for me I think like issue would be like uh what society is becoming and what other social norms kind of thing I think it's also like what the future generation is becoming as well like I think like


like the world, to pay more attention in the like, like lower inner like, new younger generation like uh, I think like what society is becoming is quite scary and the perception that people have and the biases that they have lah like I think like a lot of like people needs to have more like compassion need to have


more like uh , like they need to have more like, like, consideration to people that kind of thing like I think like like the younger generation nowadays like give like mad disrespect to like uh


, like the older generation and how I used to be last time was uh the older generation was very respected and nowadays is like, , they are being like, , they being they're being like shot down by the younger generation and not being taken care of by their offspring as well ah


ya, so I think that something that the world need more of uh, , like I think like this also brings back to just like humanity in in general like uh humanity does not only apply in education and and society like uh etiquette but also is like


the rights that people have like the rights freedom of speech freedom of , like eh, feels like those kind of experience or speech time ya


like yes like the world needs rule and regulation but I think like it also needs to be educated as well like educated properly and like people really need, to like start giving back to society more and stop being so competitive and live in their own world


like I think like when it comes to a lot of like economical economic issues like it all pays on to finances and how heavily people actually outweigh like materials, ya and assets ah ya


so like this actually creates a very high like a hierarchy and like (um) the G_D_P of the country that kind of thing


problem two out of four


and I say it will be like uh, , the things that I still want to do like there's a lot of things that like I haven't been able to experience cause like I'm nineteen only, like I think like it's still quite a long road ahead so like there's a lot of things that I still want to do and milestones that I want to hit on my life that by makes me want to


like not die so uh , so like, like uh I think example like, uh but there's a few, things that like I want to like die that I don't mind dying from so like I want to


be alive and like just in case I can die from that also, like you know like I can like, if I live my life to my fullest already then I want to go and bungee jump so like if I go bungee jump right cause you know there's the life risk so I don't mind dying when I bungee jump


so it's like the accumulated through you get like, uh living your life and like before you end it so like yes I feel like nothing that makes you want to be alive, be like uh my friends in panic like I think like cause I am very sensitive to death and when people die like I get uh like l cannot really take it and handle it like damn bad


so like I don't like to put like people who I love and care about through that same experience, yeah so like yes how about you


so like (hmm), so like what is like uh


uh so like what is like the country you want to go to, that, , so after the seven wonders of the world like you are done being alive already ya


, at


I thought like maybe you want to be a life style you know like and children , okay uh, what is the skill and ability you are secretly proud of having


yes yes


competitive, stubborn uh , you find yourself eh is it incompetence


no man because sometimes like, I don't like that change uh, uh, when do I blush the most ah I don't think like oh


I know already so like uh, last time like I used to fight like, some guy's cute then like when they, as he walk past then I'll like talk to me I'll be damn happy then I will blush like very hard like usually I don't blush but like my whole face usually blush ) that is I cause damn shy


yes how about you, , that's the only thing I can remember when it comes to blushing okay then when do you when was the time you laugh the hardest


do I unwind and relax ah uh, actually it depends like sometimes like I will it depends on my mood actually sometimes like maybe I will like just like go out and have fun if not like


I will uh, uh either like like just go to sleep cause like I think like I deserve it if I didn't sleep for very long and I'm like exhausted, uh if not like some days to clear my head like I will go like swimming like not really swimming but like I'll go and float in the water cause like to me I find it very peaceful


yes , so that's usually how I unwind and relax right how about you, you take a long a long shower


if that's how you like unwind relax then actually like what do you usually uh, uh, to to experience uh adrenaline rush


uh


!wow! I'm excited, so it is I think this is the time that I blush too much, okay uh


I think I have like cause like I think we both know we are very like, savage people right we always say things that most of the time do shut people up yeah so like there's too many times to be remembered


yes, I don't know eh like there's never been something that like really surprise surprise me like I


!woo! like I have remembered, really experience a surprise surprise like usually even if I'm surprised and sometimes I get stunned but I don't get excited over little things right, but, I don't really think there's like a best surprise ya how about you


so when is the best time describe an experience, like which was the best ah like the surprise I experienced like an incident


so which was the best, so you just get surprised all the time by my voice lah,


for me is like the fact that I'm going to like like adulting like I'm not really excited about adulting you are like can't wait to like like live my life like on my own like do what I want that kind of thing like no restriction like it's


like (ppc) yeah, like probably family will tie me down like, but, I think like it's really the freedom like the like the pure freedom that I will have in the future and I I can't wait to like get married like only for like I see so many wedding dresses like so pretty and like I just want the wedding dress cause I never got to be like a floral girl like you know like the bride's the little kid


so right I always wanted to come to dress up so ya young right I don't have it so I, grow up I want a beautiful gown , but yeah but I can't wait to like have my own kids like I don't really want to give birth but, like, I can't wait to have my own kids and like like play with them and put them back in their cage that kind of thing


why I hate that feeling eh


you just marry a rich guy ah confirm get the life that you want,


yeah


parent together , (hmm) yeah, so actually like so like thailand for us I think it's like both of us first time travelling together like with friends right


yeah cause you cannot travel alone until you are twenty, okay lah but you have


funny ya we did like make a lot of memories lah ya, and I guess like cause it was our first time travel together like it was like like a !wow! experience like cannot forget one that kind of thing ya


cause we don't do it often also


pay to bank of china I lose ah I think right I do like, the girl already !yay! yeah like what is that you know sometimes like like I'm damn moody then I suddenly see someone like damn nice then I'll like oh it got lah not bad after all


, so like because of like one person I'll like !woo! okay then like it will just keep like renewing then die renewing then die then renew and die, you get what I mean


ya is, how is the tomorrow in the life ah , powders ah


I don't know eh actually just know like really really pub, wait my life eh like, !huh! yeah, uh like, like mouth this is


hit your milestone lah milestone, (hmm) I mean like I don't really think there's like a proud moment like definitely there are there are proud moments but like there's nothing that really stands out that like super proud of that kind of thing


a lot of things amazes me like small things amazes me like sometimes even when I get what I want amazes me


yeah, I like oh I get my way in when I when I talk to people that kind of things like !wow! that worked yeah so, things actually amazes me like sometime even like simple object can amaze me like I never knew like it could function this way or like light could come out of it yes so I'm quite easily amused out of life so how about you


, , , , , I don't know for me right if travel right other's like !wow! that statue is so big


then I am heck amused by that ah , ,


so like


, because you bought a


yeah you always off the light (ppc), I know him like (ppc), yes continue


we know sometime got feel okay


ah lor, for me like I feel like if you are really doing a good deed, like, like there isn't really a reward after all like yeah like sometimes like if I help someone or like someone drop something or like need help something like it just like oh like is the fact that like like I didn't like


like just like throw that person to do it alone like I just watch the person like, like like slowly like, very like sadly go and, do it then like I feel damn bad what so like, if I go help then is like , uh, like I go help like it doesn't you just like oh like I feel you feel good lah ya


okay


problem one out of four


personal insurance as in like what kind like, health wise, uh I think my for me my insurance is like my parents they settle it for me so in terms of like insurance that's it health wise everything is


yeah and, I'm not really sure what like which company is it, but how about you


I thought you wanted to put in like the there's the yearly yearly feature also right


insurance, mainly like what you said I think cause for people our age we don't really like , like we are not that like, other insurance is not like that much needed as compared to like when you're older so mainly the insurance that I like kind of know about is ya like what you said savings health that kind of thing


, but I mean in the future when I'm older I'll definitely get like car insurance and that kind of thing, just, just so you know if anything happens then at least uh it'll be covered for


so you say you started uh, (uh huh) you started a, a savings insurance recently right, then what percentage of your income do you actually spend on your insurance


, like what kind


ya I think I would, but, probably when I'm older and when I have like you know the, , uh capacity to you know invest in style, I mean yeah


if you are an insurance agent what questions would you, ask your client when planning their, insurance coverage


same as you like what you mention uh like, like normally when let's say an insurance agent goes to a house and like talk about their insurance plans and stuff people tend to just think that they are just like try to you know like


like you know this kind of thing uh like some people they think it's like not worth the investment and that kind of things so, uh, like y'all probably just talk about like see what like, what kind of insurance plan they are looking for and then like


tell them about what, my company offers ah, so by, term and invest the rest do you mix insurance and investment or do you keep them apart


isn't insurance also counted as investment


okay true ah I will also, , yeah I keep them apart, term life insurance or whole life insurance, which do you think is better for you I think for me I will choose the whole life insurance because like you'll never know when an accident might occur right


how about you, , for me I'll choose whole life insurance ah


I guess just I don't know, true I mean from what I see like whole life I'll guess it's just like you know what insurance like, towards your whole life


probably I think whole life last longer lah than the term insurance but then ya probably get the the longer the insurance that last longer


because you'll never know, what might happen


I mean of course if I had, if I had uh, more money to put into insurance and I'll choose the, the more ex option which also last longer lah


do you have ILP investment linked policies what's that what are your thoughts on including, ILP in your insurance portfolio, investment linked policies


but what is investment linked policies lah


do you think CPF insurance coverage is enough for your insurance coverage what are your thoughts on dependent protection scheme medishield life medisave, I don't honestly I don't think CPF insurance coverage is enough for


insurance coverage like recently I watch this person's video because like you know the COVID situation now, and then she went she she was admitted to hospital for like just just because she was having a fever ah then that they thought she had COVID but then after checking then she didn't have COVID right and then


even after like deducting from her, like CPF and medishield or medisave and then she still had to like top up, quite, an amount like on top of the deduction, so yeah I'll think that yeah


will you approach an agent or DIY when it comes to insurance planning, if DIY how do you plan your own insurance, for me, I think I would approach an agent because


they are more knowledgeable about, what, insurance planning like caters to what kind of, needs, for other people but then let's say if they don't have, but, which don't have a plan that I'm satisfied with then maybe I can tell them my needs and then from there they can like recommend me but I don't think I'll DIY


how do I spend and manage my money honestly I'll see like , uh, I'm more thrifty when let's say I'm not working or when I'm working lesser days but then like like for instance this COVID thing then I'm not working so I really like


like on a daily basis I would, like, like what you said just now something like what your insurance agent told you like you know the fifty thirty twenty percent rule so it's like, I set a certain amount aside, for what I want to spend my money on and then I'll save the rest


and then, maybe for like, ya the remaining amount that's that's if like I have any bills to pay or whatsoever but normally I'll, I'll spend my money let's say, like the money that I have


right let's say the income that I get I'll save, like, thirty to forty percent, and then I'll spend also around forty percent dependent on the month lah, but then normally I will try not to spend my money on things that I don't, need lah like


but I mean I still do lah but, I'll try my best how about you, what spending is justified, transport expenses like my meal


s, I think spending, like, what spending is justified, I feel like, let's say even if I spend money on things that I don't need let's say clothes I think is still justifiable if I can still manage to put in the amount that I plan to like save and then if I can afford it


then, ya I feel like it's still justifiable [lah], how about you


problem three out of four


what frustrates you Shams


what frustrates me same lah accumulated stress and then !wow! oh one thing that frustrates me is like I hate it like I get really irritated when all I want is like some, time alone and then I get it that people like they care for you and then like they want to know like what's up but then that's I for me I just like really need my space alone sometimes so when someone keeps like


like you know when all I need is just alone time and then someone keeps want to like come into my my bubble when I'm alone then I'll get really frustrated


I think I I saw in public before like uh, uh this old lady I don't know whether is like whether she was like ya lah she seem really old lah like ya then I don't know whether it was because she was tired of walking or what then she sat down at someone's table like a food court


and then the person like scolded her lah and it was like a younger young like quite a young young adult you know then it's like I wanted to step in and help but then it's like you know a lot of people were already staring at them so I just I didn't do anything lah


but, if I witness this like the worst thing I've witnessed


!wow! I watch this netflix series it's called thirteen reasons why and then it touches on real life issues like rape, uh what else ah, like rape drugs like suicide that kind of thing then then there's those scenes that like you know like the guy raped the girl


even, guy raped guy I mean like yeah then it made me quite angry to watch lah because , I've had like I know of like people that, have also been in the same situation lah like that let's say not so extreme like rape but like sexual harassment assault so made me really angry to watch lah


describe the time when you are unable to help someone in need


for me it'll be like uh when, my friends or, like, or ya friends let's say they need emotional help and then I feel like I'm unable to give it to them because like, they seem like they want time alone but at the same time didn't seem like they won't like like it's quite scary to think of them being on their own lah let's say they just want to be left alone but then I don't know like what they might do that kind of thing but at the same time I know that


it's not like, if I should respect their own space ah if they want to have some time alone so it make like, it's quite frustrating lah like I don't know what to do to help them I feel very helpless you


what's your greatest fear, me mine is mine is damn irrelevant lah but my fear is uh, uh, you know those tiny holes


what disgust you, I'm not raging on them ya what disgust you men


gaslight you ah like gaslight you ah, that gaslight it's like manipulate you lah into thinking like you are in the wrong not them


that made you very angry, I mean for me I'm very like let's say in my past I didn't say like I had this acts then the things he did made me very angry lah which is he was in the wrong because like he like


where he was like really manipulative and then like like he did things that, someone who loves you shouldn't have done lah and then it made me very angry but I think like, whereas I look back now like I feel like


I wasn't angry at him but was angry at myself like it made me very angry at myself lah because like, it was in my hands to take control of that decision which was like to leave him earlier like to walk away from it but I didn't so yeah I don't think like is someone that made me angry it's like


I mean their actions made me angry but then ultimately is me being angry at myself


describe a time when you hurt someone's feelings


in a post-COVID world, oh I'm really really really upset about, uh, animal like animal rights like I feel like


the world really needs to do something to like help like speak up for that aspect lah about animals, because like firstly like animals, honestly animals are like human it's just that they cannot like you know they can feel they have they can feel pain that kind of thing and like


the only difference is like like their form and then they have no mouth to like voice out lah I mean like, like, how like just because like you know they cannot speak so it's like doesn't mean that they should be treated that way then, uh ya


I like like let's say in china where people eat dogs and the way, they they kill them that kind of thing ya just feel like it's very like, I mean even I myself I've tried like if I could like probably in the future lah with more discipline I'll also want to go vegetarian


but then ya, I feel like the world needs to, you know, do more and protect animal, like ya I play my part by let's say becoming vegetarian or like


I mean now I just said now I'm not lah but then in the future, when I'm more disciplined or I'm ready to let go of meat then I will lah, but but yeah and then like


I mean simple things ah I don't I mean like go there and protest myself or I am simple things lah like let's say, those dogs up for adoption before they put them to sleep it's also another way to like you know save another animal's life


maybe not just to dogs ah and the future, also like more more to every animal lah, my mom has a fund what I mean, uh


how to say it's like mainly is like the animal right now ah obviously just being directed to like domestic animals ah like dogs and stuff but like let's say, if I become vegetarian then it'll be aimed towards like you know like


even now the wider variety of animals lah how about you


actually another issue that the world needs to do more about right is like white people they have like too much privilege


Shams what makes you want to be alive, boys


okay


before you and


same friends friends and family and things that I haven't accomplished also ah


you say first okay uh what makes you want to be alive oh I want to travel I still want to travel and see the world


what makes you want to be alive, there are things that, I haven't been able to do now cause we are still young what, right what, makes me yeah mainly mainly travel lah like that let's say


but my own family next time, that kind of thing like I haven't got to haven't got to experience many, thing what it says, (hmm), I want to go to


honestly, why I want to do it I just want to know like what my future holds [loh] like


I'm quite curious lah like let's say we are like there it's like now I'm just like here, yeah and that lah, what is a skill or an ability that you are secretly proud of having


me a skill what or an ability


okay one you know I used to be quite sporty right so I'll consider that like okay lah like not bad not bad but then a skill or ability I think I'm quite like, one thing that I'm proud of having uh like when I set my mind to do a task right let's say


I, really want to achieve it like I'm not lazy then I will be like I'm quite competent lah it's like, I'm quite what's that word like perfectionist right so it's not competitive ah it's like like no competent it's like like you know how how do I explain it ah


no competent it's like, I make sure I I, like can successfully do the task you know that kind of thing it's like if I don't successfully do the task right then I'll be like very


like very mad at myself lah so when I say I legit want to do something ah then I make sure like is of quality lor that kind of thing


what's that sia when when did you blush the most describe the experience


!hey! I don't remember mine lah, I don't remember, laugh the hardest


uh


me ya I think you know okay ah, or like a soap in a bathtub, oh here unwind and relax


I think it shares, have like let's say true times with like my loved ones, uh, drinking yeah


if not sometimes I just like unwind and relax lah I just on my music and then I just don't, or like I watch my shows ah


adrenaline rush, like when let's say someone ask me to do something that I'm shy to do or scared to do but then like let's say cause I'm stubborn and I still want to do it


then maybe that's what gets my heart pumping, so have you ever made a comeback that shut everyone up


have you ever made a comeback that shut everyone up, sorry sorry, !wow! shy blushing


what what's your best surprise oh I think I know this one


surprise , ya I don't really know I don't I don't think is the like my best surprise is like the let's say if someone gets me something I don't think it's the things I get but instead it's like I didn't think like they cared that much


to like go like put in that much effort to like you know let's say do all that for me lah I guess it's just, like you know the best time about what


I think most of it is got to do if you know like boys chasing me


like, I wouldn't think they cared that much enough then some more like I'm the, kind of person to like shut shut people out so sometimes when like like let's say even if I'm not bothered with them but then they still do a lot of like they still show a lot of efforts ah then I'll sometimes I get quite surprised like


then best no best I don't know, not not all lah depends K what makes you optimistic about the future


ah, same same freedom you should know better, ah yeah, start my own, what makes you optimistic I think honestly what makes you think optimistic about the future right is the fact that I don't know what's going to happen like you know that suspense is like like


like okay ah to me is very draining lah like oh shit why like make it in life or like why not okay lah I mean obviously yeah but then it's like how to say it like puts me very on edge then it's like like the fact that I


don't know what uh like what my future going to be right it feels like it makes me want to like like oh make sure I better work hard so that I'll have the life that I want that kind of thing if not like but then, !hey! bro that's plan B


but I mean I'm also like you know quite, I want to be independent what like like I don't want to depend so it makes me optimistic or like maybe my dreams are too like like big lah, you know, like sometime I think like !wah!


what if I can be this this this that that then like okay, describe a travel experience that left you in awe


and it's so so there was one time that like I went to thailand with charmaine and one more of my best friend but my uh my mom came along so it's like although we got to travel together we weren't exactly left alone I mean, I'll like like


that's why I'm looking forward to a the future ahead but then it's like you know it's like you don't really get, to have that experience that like just you and your friends in this in another country, the kind of thing, but


mine is far lah ya


describe an experience when your faith in mankind was renewed, an experience with my faith in mankind I feel TBH is the like to be honest is the recent one you know like


the george lloyd guy is like just because of his death then it sparks like the whole protest, thing which, not I cannot really recall ah


how about you, in your own world


, no I don't get you at all okay I get you lah what was the proudest moment


in your life, proudest, what was the proudest moment in your life


that stands out right, like no proud moment that stands out now


same same, what amazes you


!wow!


okay I'll give a more adult answer what amazes me uh when I travel and I see like different cultures like okay it really amazes me ah like, ya [loh] Romal more realistic okay like let's say if I go to


the difference between you and me , uh what amazes me how your brain works okay okay ah like even though like let's say I go to thailand very often every time I go there and then I see like


like how to say it's just a very different feeling like let's say all their their like their culture is like different completely different than singapore's culture what then it still amazes me ah like you just feel so different like into different world like that


what was the biggest reward you had ever received after doing an awesome good deed, I don't think I have I have a big biggest reward for doing a good deed but you know what good deed I always do I always pick up trash


after like ya uh, cause I'm a very environmentally friendly person so every time let's say, (mmhmm), ya every time let's say my friends smoke and then they just throw


throw their their, like cigarette box on the floor and then I'll just pick it up after them and throw without fail right charmaine, rarely


started recording, related topics okay


ya ya I think for me it's being more aware of my financial expenses and also, learning how to save up cause that's something I didn't really, care much about when I was I think five years back yeah it was more of like spending what I had rather than thinking of the long term ya


ya even lower now cause of the COVID situation, ya I I think in general it's just being more financially aware I guess that that's something I'll tell myself five years ago yeah


yeah that's true, yeah I I don't know I think for me I always had the impression that they have a hidden agenda cause I mean ultimately their jobs are like commission based I met with


one financial advisor so far uh she seems pretty nice but at the end of the day it's just really like oh is this someone I can really trust my money with or is this someone that just wants to earn a bit of commission out of


something that she's selling me so, yeah I think the question on DY DIY or financial advisor, I more leaning towards the side of DIY like finding out information yourself on the internet stuff like that there's so many like resources nowadays


but at the same time I don't mind also seeking another like perspective from a financial advisor if I really want to like invest in the services he or she provides I think that takes a bit of like


trust on my end yeah but I I mean I I'm not like not open to the idea at all it's just yeah I think it's good to hear, another perspective every now and then


yeah


yeah, forty thirty twenty rules it's something like that it's forty thirty thirty yeah


yeah still on the fence for me I guess


yeah okay managing cash flow how much of your income is allocated to savings expenses investment, uh for me I mean I know that I'm aware of the whole like uh four three two one rule or like three three three four rule


I do in some sense like adhere to it, in terms of how I manage my cash flow I would say a majority of it is allocated to savings, and then , a portion to expenses uh I don't really do insurance and investment currently so


yeah, I mean what I did was set up a spreadsheet and then calculate how many like how much I would want to save by what age and then from there I kind of like also took down my monthly expenses and saw like


how much I'm able to save from there and how much I can allocate to expenses lah yeah


great eastern prudential , yeah


yeah, but would you think like taking your own sweet time is quite risky especially when it comes to like government bonds


cause like I don't know the later you start the, lesser returns you get in a sense


yeah like other options lah


yeah makes sense okay


yeah neither do I, the only way I see you like earning extra income is, having income first like having, a set amount of disposable income to maybe like do investments or you know invest in a side hustle but currently I I don't


think I have the time to, learn more about investments or like think of doing a side hustle so yeah probably something I'll look at in the future but not now lah not for the moment


wealth , yeah yeah, yeah, so scary though the thought of someone managing your finances yeah


yeah I know my friends have also like mention certain surveys or apps that you can take part in there are like certain apps where you just like mindlessly do your responses and then you can earn like ten dollars and grab vouchers or something like that after like you accumulate


like certain number of points so I guess that's another yeah like, there are certain apps where you can download and then you just take surveys, yeah yeah yeah yeah yeah


yeah having a habit of savings I I think you kind of touched on that point earlier it's just, yeah something that I have been doing since I started work I guess cause I have a set income so it's easier for me to save money


and how I ensure I meet my saving goals, basically I, kind of plan ahead I kind of like see a set I kind of come up with a figure of how much I want to save by a certain amount of time and then from there I see how much I need to save per year to reach that goal lah yeah


yeah, I mean but you shop on asos


yeah, yeah and yeah


what strategies would you recommend for someone planning I guess start early in saving yeah


yeah maybe, yeah, I think that's the main point, yeah and I think also like do a lot of research like maybe there are certain grants out there that you are not aware of but you can actually


use them to save up uh when you're like buying a house for example


yeah yeah, yeah


before marriage , I guess really setting a budget for ourselves, and really just committing to it lor yeah


I mean hard to say lah cause, yeah I mean I think once you enter the workforce, it'll be easier for you as well cause you have a set amount of income, so, probably be able to save


yeah , credit card


yeah like I yeah, same, yeah


yeah, uh ironically I just applied for a credit card, I was telling you about it it's the POSB credit card, , the main reason why I applied, uh was because


not because I wanted to spend more but because, it allows me to earn a higher interest rate, for my bank savings, so I'm not using it to really spend money but, to yeah


earn higher interest rates lah I guess, yeah so as much as possible I'm trying not to, spend using my credit card, unless like it's really really necessary cause, yeah I mean I feel like if you buy big ticket items with credit card sometimes you can go


part three negative experiences


yeah, yeah


bottle them up


yeah, I think same for me cause, I don't think I've ever, experienced like, loss of like like a very close friend, but maybe


grandparents as well, , I wasn't very close to, my grandpas, so when they passed I didn't really feel like I did feel, I did feel sad but I didn't feel it wasn't


my emotions weren't yeah my emotions weren't as bad as uh my parents so I think my sadness actually stemmed from my parents' sadness more than it stemmed from, the loss of my grandpas itself yeah


yeah, everything makes me stressed actually, yeah I think I'm very easily


stressed out , yeah but I think one, I would say one thing I'm grateful for is being able to, uh calm myself down and, you know like I tend to like


be stressed for like ten minutes and then from there on I'm like I'll decide to like get mash it together, then that will just pass yeah


yeah I think mine is just general like I think women are generally more overthinkers so I guess that's where most of our stress stems from like the whole aspect of like overthinking about things it's just like


it's like unwarranted stress but like ultimately you can't really stop yourself from overthinking so, yeah that's like the trigger point I guess, yeah yeah


yeah yeah yeah, most of your life yeah


yeah I think academics, was also one of my stressful part points in life like like being able to I don't know it's always like I feel like it's the whole paper chase thing like you have to


do do well to secure a good job now that I'm working it's a different type of stress altogether like it's not much of like, doing work to succeed I mean it's part of that but it's also like the daily stress that you face like you're you're dealt with bigger responsibilities not just


yourself like there are other colleagues or whatever or clients like relying on you so I guess that's a different level of stress yeah


yeah, more more shoes to fill to fill


I think you already know this, uh it's probably the one when I, was back when I was studying in Melbourne then , yeah my I my phone got like snatched away from me


on the street when I was walking to school so , yeah I think the traumatic part was that like I didn't really know what to do at that, moment and, I felt like a true foreigner when I was there because like when I was like calling for help nobody nobody came and everyone just walked past so


yeah I think the whole episode was quite traumatic for me especially cause my family wasn't with me at that point in time so, it was a lot of like, dealing with it by myself, yeah


so I think that that's probably one of the most traumatic incidents I had yeah, yeah


deep


yeah


why why though why do you think


when things turned out, not meeting your expectations


not supposed to laugh, serious topic


yeah, yeah


I think for me it's probably when I didn't I wasn't able to like get , the course I wanted when I applied to the local U, I think mainly cause, I came from poly background and like I guess it's like much harder for you to go into a local uni


compared to like if you went with the JC route so the courses I got offered, were, like I think I wanted media but I could I could the most I get got was like linguistics and it wasn't really something I wanted so that that's also why I


studied overseas lah, yeah I think that was, yeah something slightly unexpected because, I I think I did fairly okay for poly to get me into uni


yeah but, I think also because the competition is tough, and I didn't want to like wait another year to apply again so, , yeah I think that's one thing that


didn't really meet my expectations that was quite upsetting for me, whether I would be in a local U


if I what, I don't know it's a bit hard to say cause I've never really experienced the whole of local element but I guess in some ways I'm also like grateful that


I was able to study overseas because I managed to take one year off, I mean we we only need to do it for like two years right instead of three so that gives me an advantage in like moving earlier to the workforce I guess


so yeah I think that, one thing I'm more grateful for, yeah


uh probably, yeah I think mine is just probably the same as the traumatic incident I mentioned earlier


yeah especially when you're so young, yeah I remember having those moments in the supermarket as well like you're looking at like some product and then the next minute your mum is gone you're like where is she


yeah, have you ever been lost in a mall before


oh no, you went with your parents


so he didn't see, [orh] , yeah


so did the lifeguard, so how did you get out of the pool


that's nice


yeah I I I can totally like understand cause I had a similar experience as well but mine was with the school like you know like sometimes they bring you out to swim I don't know but my primary school had that whole like uh PE session where you would like go for swimming lessons


and at that point in time I was learning swimming lessons outside but I I wasn't very aware of my level of like swimming so when the instructor said like oh what's uh how good are you at swimming I was like oh I I think I'm like pretty good I can go to the


the expert class or something like that yeah but I realised the water was too deep and then I shortly found that I was like drowning, and then similarly I saw this like woman's hand from underwater and I just grabbed it


yeah, similar experience


you wanted to do (uh) double science


part two positive experiences


cool, I think it's just looking forward to what the future holds for me


yeah, I mean there's nothing much too positive about looking, back yeah what makes I , I mean there are some positive moments lah but I think in terms of like what makes me want to be alive it's more of like the future rather than the past like I wouldn't want to be alive


cause of the history that I've had it's more of like looking forward to what the future would bring


yeah


yeah, honestly I just can't wait for retirement , I think that's what I look forward to


thirty , no I'm just I think more realistically fifty I mean I hope so lah, that's like considered early retirement already in singapore


but yeah, yeah man (hmm) skill or ability that you're proud of


I thought it can hurt your brain, mine is more boring , uh it's so boring I I forgot what I wanted say


I guess, yeah it's just like yeah once I set my mind to doing something I guess I'll be able to do it and do it well yeah I think that's just one ability I guess I am proud of having


I mean, it's called secretly proud but then they want me to reveal it so , yeah maybe ah nice segue


you don't know what to do


yeah, blush the most, I don't know when people say nice things I guess, that's when I blush the most ya thanks


describe your favourite activity to, relax , sleeping


humble brag


someone was hesitant at the start though


yeah, I mean usually I feel like, uh if you do a good deed, uh you don't really have to expect a reward, I guess, your reward is just, being I mean you being able to do a good deed


like I mean why would you wanna do a good deed with expectation of receiving a big reward you know what I mean then what's the point, yeah I guess lah like finding, lost pets for the cash money


yeah, yeah, yeah I guess it's just like


I think that feeling is enough lah you don't really need like validation from it yeah


proudest moment !wow! I don't know I have to think go ahead if you have something in mind


oh my goodness


I don't know man, I really can't think of anything maybe maybe more recent one, yeah but, I don't know maybe a recent one is just my uni graduation


yeah I mean just being able to accomplish that big hurdle of my life, I was pretty proud of that, yeah, thanks , okay what is your biggest blessing in disguise or what are you thankful for


!wah! thankful for you too, thankful for, thankful for family and friends, yeah


yeah, I mean they are huge support lah in my life so


yeah I mean I think both of us, uh we studied in Melbourne so, like I think in Melbourne everything is much more slow-paced like, the trams take like fifteen minutes and it really teaches you a lot about like


being patient I guess like everything is much more relaxed there but in singapore everything is very fast-paced like you get like trains every two or three minutes so I guess that's something that we often take for granted like, the fast transport system for instance


or like yeah being able to, uh access different things , yeah at a very fast pace cause in Melbourne like you have to travel out to get some stuff and sometimes it's like I mean compared to singapore it's like maybe a fifteen minute drive or fifteen minute train ride to


the next shopping centre so I guess accessibility is something that, we should be thankful for as singaporeans yeah, yeah yeah


!huh!, hate as a kid but now love as an adult


I like how you're answering the question in opposite


okay I can't think of now one now but, I I think I'll answer the comfort food instead, yeah I think in Melbourne I was really craving like chicken rice yeah chicken rice especially


yeah but it's not like singapore standard you know like and I was really craving like hawker food craving the chicken rice at somerset


yeah that's true but I I guess like when you're like studying no but when you're studying abroad, it like you already have japanese food what so the next possible thing you can think of is like singaporean cuisine


which is chicken rice yeah, yeah, crispy duck


I mean I don't oppose that , but I like my jap food every now and then


yeah


yeah, yeah there actually are quite a number of people that, been to the beach like over the past few weeks actually, like I've seen on my instagram


yeah, yeah I think, yeah I'll look forward to travelling again even though I think that will still take some time and there's a lot of precautions but


yeah I really miss travelling, especially the new zealand trip that we're supposed to go for, yeah yeah but I mean I wanted


to experience it with you, but yeah it was really, yeah I was really sad when they announced that we couldn't travel anymore , but yeah I guess that's one thing I'm looking forward to


yeah I think for me it's just, being able to go out and do activities with friends and family, I guess that's something that we can't really do as much now so


yeah I mean really looking forward to that , the frontliners


they are frontliners


I was gonna say our Sydney trip , I think I really enjoyed that one, yeah


yeah cause all your friends are there , and you get more freedom


oh top few what are the others


okay, uh it's already recording so


yeah so this is part one financial related topic, okay uh so first one is what's one financial advice I'll give to myself five years ago


I think uh I heard a lot people say this but it's always best to start saving up as early as you can cause like even though you didn't have much, it still it's still like you know constitutes to to something that is uh that will help you in the future anyway it's better than not having any money


yeah I mean there's the I think there are a lot of uh savings plans nowadays there's like the there are a few ways I guess and I I think all the local bank interests uh interest are like pretty low, so like they are I think they are what probably like one one point two percent or something and like


yeah I think there are other ways lah but you know it's still not that much but it's still something I guess


yeah okay uh, I would I actually have spoken to a few financial advisors before so like some of them are like friends of friends the other one is actually my cousin yeah but uh


ultimately talking to them you you feel a bit like a bit on guard because you kind of know that I mean you're you are also not stupid like you know that these people they come from companies and ultimately there's also business involved for them


so like they can advise you on like finances but like you know they also kind of want to sell you services right


yeah


I mean like I I see where you're coming from cause like, that I mean like you said lah there's a lot of like information out there but then the question comes to mind it's like which one should I follow there there are so many ways to get there which one is best for my situation and I think sometimes an advisor is good in the sense that you know they can uh provide certain like


strategies that are best for you like I I know that I mean the common thing they all they all talk about is the the four three two one rule I think it's like a government advice or something so it's like what forty percent savings or something


and thirty percent spend I can't remember but I know forty percent was like savings, yeah forty thirty twenty ten yeah like as I mean I I guess there's logic to that


but you know yeah call what choosing a financial advisor


think that's more applicable for you


yeah I mean I I'm the same I don't actually spend that much so like I mean currently lah like so my expenses are pretty fixed it's mainly for like gym, and some like uh computer software stuff like that yeah I don't know also I don't really have my own like investment stuff although like I I


I have heard of like different ways like there are government government bonds there's like CPF bonds and stuff like that so uh I heard of them through like the financial advisors from like different places like


uh AIA and what's the other one that's very popular can't remember but yeah, yeah I think prudential so like it's the big ones lah yeah but I mean I'm I'm always quite cautious about committing cause like you know ultimately it's your money that that's gonna like go out for quite a quite a long while


so I don't have much to start with so gotta be I prefer to take my own sweet time to think about it first so yeah


and I mean I I guess I I think about it this way like uh in the first place the interest is like not super high especially in our all the interests have for like bonds and stuff have dropped to like, one percent or lower can't remember it was quite bad yeah in the past year like maybe one point six percent with like I don't know


uh the different banks lah they used to be quite competitive now they're very like conservative yeah and uh, starting starting now, I don't think I'm really losing cause like ultimately if I want to really like get into it then I'll probably pick up like proper investment stuff and not really like yeah I I don't see bonds


and I don't see the need to rush into it now maybe in the future when I have like disposable income and like I can actually segregate it into different stuff then I can look into the government ones that are more maybe like trustworthy but right now like it's not like, super huge priority cause either way the interest rate is like not that good


you know yup learning, new other ways to earn extra income uh I I guess now there are a lot of I mean everything is online nowadays uh


I I guess this is one of the way I earn extra income but I don't do this a lot uh I don't know I I don't do a lot of, other stuff to to earn extra income partly cause I don't I don't spend that much also I think


actually there are other stuff like uh like uh those type of bank portfolio things, so like someone the financial advisor will ask you like what kind of stuff you want to do and then like they will set up like a portfolio for you and then like uh they will they will pick certain banks to like you know spread your eggs in different baskets yeah wealth management and all that stuff so all that jargon


yeah so they will they will they kind of manage it for you provided you give them the lump sum lah, giving your money away, actually I was quite open to the idea cause like yeah I'm a bit on the lazier side so like but you're right lah I mean if if the person is good then that's good for you but how I mean they always say they assure that you know a a certain amount of returns but like


I don't know enough to you know see the pros and cons and like really check the balance


oh yeah yeah yeah yeah yeah, you mean surveys, yeah I know one of the ones I signed up for was like in seed


no like uh I think they pay you in cash but like, I haven't really tried any recently like that there weren't like many surveys so so I couldn't really like see but there there are people who have been like trying to refer me also but !aiya! I'm a bit more skeptical about online stuff I guess


yeah


yeah I mean for me I don't really plan that much cause, it's more like I don't really have a lot of money coming in but it's not super a lot of money going out also so like I just leave it like that and like I know a lot of people have been doing like online shopping nowadays like shopee and stuff they have a lot of like sale but like I don't


I don't really I try not to touch on it lah cause once you go in it's like you just spend a lot, yeah I have a, I like asos cause it's the stuff is good but like you know but now not I mean nowadays no lah


when I don't really get a lot of income anymore so I try to I try to pause and like be more conservative with my spending, K , starting a family !whoa! that's a lot of money


yeah it doesn't change I guess uh I would think I mean maybe for our case or something like we're we're still young then like I guess if we don't have like a huge ass I mean a huge uh huge income and stuff then uh I think we would just


need to relook at how much we are spending, like collectively and then if we're not able to hit the target we need to probably look at our spending more carefully lor


I don't think there are many options lah but I think if you are young we probably have some like you know government subsidies and grants somewhere that can help us a bit, yeah


like yeah I mean when we're when if you are looking at a house there's like they have different CPF schemes right if you are student you if you are still a student while you're applying there's like the student grant and then there's the unemployed one, by the HDB and the government lah


before and after I guess we can't say for after marriage how do we manage our financial commitments, commitments


yeah you're probably more disciplined than me but I think I can be quite thrifty if I need to


yeah I guess so hopefully, I think at a certain age you probably need a credit card like actually our age it's a good time to


own a credit card especially cause like we're going to have bigger like expenditures coming up like let's say a house and stuff like that and you wanna rack up those points right that's the best time to rack it up I think I I honestly don't quite like the idea of using credit card cause like


it's like the the money comes to bite you back at the end of the month but like uh if you want to make big purchases and stuff like that uh I think you ultimately will need a credit card say a car or you know major


oh yeah


okay so uh part three negative experiences uh I think we will have to go through the list to get me into the mood so have you gone through any loss in your life


if you have describe your emotions at that point of time and how you deal with the loss , yeah definitely I guess when like I lost both of my grandmothers and like I think it was within the same year yeah but I think what was hardest was seeing the impact on like my parents and my family members that was I think that's the the tougher part lor


but , I mean personally it was it's it's a heavy mood and everything, but I mean the way I I have always dealt with like emotions is to compartmentalise it might not be like a very good per se way or anything but it's just how I deal with it lah I


try to like be maybe it's a very guy thing like you know I segregate my emotions out, and then like you know I try to think about things rationally instead of emotionally


to distance yourself from the pain deep


devastating


yeah I guess we are I guess we are similar that aspect [orh], K what makes you stressed, really


yeah stress ball


!wow! , I think I'm most stressed think there are a few ways to stress lah one is, uh when I have deadlines to meet and I'm not very good at managing my time and then when these deadlines come after you you're just like oh it starts building up inside and I think you start to see it when like you know like I I start to lose appetite


and then I start to like lose sleep over things I cannot sleep well it all builds up I guess unconsciously yeah but I'm also stressed when, other people get stressed around me and like if if like someone is like crying or something then I'll be like


internally panicking and I'll be more stressed but yeah lah I think that's just another example of how I get stressed by other people think about the greatest contributor of my stress so far is like you know academics I think you are the same


yeah, I think everyone does like overthink to certain extents lah it's not just like genders or whatever but they are they are just moments that you have, yeah but I think academics was the biggest one in my life I mean academics has been the most of my life thus far yeah but it's it's had a lot of like impact throughout different aspects of my life I guess


yeah, I think like in the past when I had like academic stress that's like one kind of stress and then when it's like when people rely on me then that's like a separate kind of like different kind of stress sometimes it's like even worse


yeah , !wow! I think traumatic incident is a bit like the loss question lah, unless you want to share


what's the biggest thing holding you back from your goal, I think myself like


and there there are many aspects lah like I'm not a very disciplined guy so it really comes to bite me back in like the long game and like , maybe like self-confidence not say self-confidence in how you are as a person but like sometimes in your abilities


so like I I I used to have a career I I used to not say used to but I once had career counselling cause it's like a service provided by my polytechnic and then uh it was a


normal session they just went through your goals and stuff and this guy made a pretty interesting comment he was like actually looking at all your results, like you seem to have a potential to do well like not say hit top grades but like enter that kind of threshold where between good and excellence you know


and then like he said like but every time you are stopped short of it and like you're like you haven't hit it yet so like he was like he was just like asking you know is like something stopping you from it or like do not believe you can attain it stuff like that


so I think it's I I don't know I didn't realise it but like it seems to be a recurring theme or like I mean I'm not discounting the fact that I can be quite playful and stuff like that but like it, of course I would I do want to like do well lah in my wherever I can


but like sometimes it it's it it just happens again lah like uh with university I'm only a few points from like uh what's it called first honours first class honours, yeah and like I only realise it like at the very end the last semester and I never knew I was like that super close it's always been like a oh you know it feels very hard to uh to push up the the grade to the best and you just think like oh you can't do it


so yeah, I don't know it's just I don't have like a maybe if if I look at it like you know based on my track record I don't have a very good track record of being like


excelling at academically but like I it's it's not like I am bad I always have it ish somewhat yeah so I guess you get stuck in the the comfort of knowing that that is what you can achieve


yeah that's what I think it is, okay describe a time where when things uh turned out things did not meet your, expectations


oh my think mine was back in army I guess


yeah like I didn't uh, oh yes I I mean I was pretty disappointed when I got my posting after BMT, like I kind of had hopes for like command school back then when I actually cared a bit about it I guess so you know when it didn't turn out to my expectations it was


it was quite a shock I guess then you know I thought about it a while I couldn't wrap my head around it like you know is this really happening, I was just shocked cause I was led to expect other things you know based on what like uh


the BMT told us and uh based on the situation that our our school was in you know serves as more like a rude shock not to say that I was devastated cause I didn't get it like I really wanted it but, yeah


that was me what about you


yeah


fairly well


did you really imagine that you would be at a local U like did you actually like foresee the future where you were you know, yeah, like did you actually foresee you yourself being in local U


yeah yeah, yeah I guess, okay


did you have a time when you felt like trapped or helpless, I guess figuratively


oh yeah that's true when you're stranded on the street right, I think I when I was very young I got lost before out in public you know when you're a kid you know you just like to run around and stuff like that but yeah when I was when I was lost


I I guess that feeling where you're yeah you just feel like helpless and like you don't know who can help you and stuff like that like it can be it was pretty overwhelming I guess


yeah I guess


uh can't remember I was lost I was lost like a couple of times I think, oh there was once I was at a swimming pool, and then uh there was this like very shallow divider between the adults pool and the children's pool and then uh I was being playful so I ended up falling into the adult side and I didn't know to how to swim then so like


it was bad real quick cause like I was just sinking cause I was thrashing but it makes you sink more so just sinking and sinking, and I was just like !wow! like I was just like shocked and I felt so cold, and like you know


my my dad was with me but uh back back then he was like he was he was sitting by one of the benches reading so in the in the first few seconds he wasn't there, yeah but actually it was a pretty short experience cause it was just a few seconds less than five seconds but when you're like sinking and like thrashing about


like that feeling of dread like you know it, no dear cause it's a condominium uh and that one didn't have one yeah uh so like, yeah I was like feeling very cold and like scared and then like after a while just like still and it felt very slow and all of a sudden I felt something like push me up


and then like I broke the surface of the water and then like I was up, and then I saw this like random swimmer who was nearby who saw me ah and then this this lady managed to like get me up [orh] and then I saw my dad like frantically at the side like he was like waddling over from like the the kids section of the pool


yeah right so it would have been alright lah you know all things considered but yeah like the moment where I dropped in I was like oh, it's like the moment you knew you messed up you know


that deep


K what are some of the hurtful words someone said to you that you wish to forget, well when I was in secondary school I won't say it's a hurtful words per se but anyway uh towards like upper secondary school


so my my my my secondary school has a decently good reputation and like like academic wise so , there's also like streaming and stuff right yeah oh one of the worst experiences was when


I got streamed into combined sciences yeah like my heart already dropped like I was super super like disappointed like I didn't, uh I actually thought I could I could somehow like by god's hand get into double sciences which is like you know normal average


but yeah looking back you know no way that I don't think I would have managed to do it yeah but I I know that, when you're in the combined sciences and in my school there's only like three or three or four, classes at the back end and like it's all like you know alphabetically categorised like your classes you know class A B C D E and then like


if you're A obviously you're like the cream of the crop yeah so I was in J like J was like what J for joker stuff like that I don't know but it was, yeah it was the bad the worst lah in in a sense, yeah and


a a lot of teachers kind of like emphasised that stigma as well like , we weren't we weren't the best students so we also like ended up like pissing enough teachers to leave the class and stuff like that and they sometimes they will say stuff like you know and this is why you'll never like do well and I don't know why you guys are like that stuff like that you know


and I could see the impact on like a few friends lah like they started to internalise it and just believe it was true lah, and then when they don't do well some people will just be like it's like that you know


part two positive experiences okay it's gonna be a heart to heart chat, uh what makes me want to be alive !wah! it went deep all of a sudden right I don't know what makes me want to be alive that's very deep eh


uh ya you go first


really so boring


I guess that's true I I look forward to maybe one day attaining financial independence and like, I don't know being being very being like independent all rounded lah and like you know us like having a place together and like doing stuff by ourselves and then I think having children in the future will be nice as well not to say that I want that would be like that's something like I really look forward to to like


what type what what age do you want to retire what age do you want to retire at !huh!


I guess so no and actually maybe not I think fifty is an still like a a dream but yeah anyway, I have a I have a very cool skill so like


okay I actually it will be cool if I was cooler if I was ambidextrous but I'm not so like I'm not ambidextrous but I can use my I'm a right hander for writing but a left hander for almost everything else so like I play badminton I play table tennis and I I've play football


majority already comes from the left part of my body but I write with my right hand I can draw with both hands, with I play pool I used to start with my left hand then it became my right hand now I can do a bit of both but my right hand is stronger so it's very Chapalang like I think it's quite cool


yeah that's my cool skill, I don't think that's true just because you studied psychology doesn't make you an expert in this field


uh you're very hardworking is it


such a humble brag eh, is this when you blush the most next question is when when did you blush the most describe the experience I think every year I have the moment when I blush the most


it's when people sing me happy birthday then you just you just stand down there or you sit down there then you clap you clap also like you clap for yourself it's like very it's like there's this ego conflict


within me so I I I don't know that's when I blush the most


you're you're very beautiful today, ah there we go blushing K, sweeping my comment aside


that is literally unwinding and relaxing I guess, I I mean


probably football lah I play every saturday and I I will play any other day that you invite me as long as it's not too far away, yeah I love football, I love playing football I don't watch football as much but I love playing it especially when I destroy people on the pitch take their legs out


yeah , I don't do it very accurately most of the time so yeah (hmm), what's the biggest reward I'm gonna skip some of them I think some of them are more interesting uh what was the biggest reward you have ever received after doing an awesome good deed awesome


what's an awesome good deed I've done oh this morning, this afternoon we're at funan and then right we uh we, we were just walking around in this pretty empty funan because it's COVID and stuff and then we found this guy's uh this seven year old kid's EZlink on the on the floor


and then of course lah I mean it was just in front of us we had to just we we just had to be on our on at our feet you know so many people walking around I mean not many but that narrow pathway there was a few people walking right it just had to be our feet that we noticed it we couldn't just step away so we


yeah like what if the person's around you know like uh, what what if the person says that you are stealing his EZlink so anyway that's a seven year old kid's one ah and then I picked it up and then we had we had to go to the basement to like pass it to concierge


and I guess that felt good not like super good but you know it's doing good deeds [orh] that's my point doing good deeds


!wow!, you'll be surprised a lot of people do that


!wow!, yeah I mean don't you feel that warm heartening feeling, deep within you feel like your day is made when you when you've done that you know when you did a good deed


yeah yeah actually yeah I mean it if that that feels pretty good and then like when people praise you for it then it's like times two


I think yeah, what's the proudest moment of your life, yeah


and it sounds like a very like deep podcast we're having it's like you know it's one one two FM we have uh our this I'm amos your host and we have gladys here who is going to be talking to you about the proudest moment of her life uh what do you have to share with us gladys


but I think gladys is taking some time to reflect on her life all so many years to reflect on so I shall go ahead, proudest moment that's tough man (ugh), I think actually it is like one of the small things like for for myself it was when I scored


a goal in this like football tournament in poly and then like it was the it was the deciding goal for us to go into like the the finals and like people were like screaming at me cause I was the defender they went like uh pass it back pass it back play it safe while


I just sort of go there and I I don't know why I just switched my foot went to the left and just scored it right into the top corner I was like hail me yeah it was one of the most like awesome moments even though it wasn't like really


planned but I felt good it felt good it's not like, the biggest proudest moment I guess of course it's a small achievement but it was pretty good have you thought of your one proud moment in your life


I think people just sometimes you like to beat yourself down rather than praise yourself


yeah you did pretty well so I was proud of you too, you're welcome , this guy is thankful for you


kidding but not really kidding I'm thankful to be born in singapore, for your family and friends ya lah I mean that's true


yeah you're welcome, I would say actually recently I've been thinking about like being born as singaporean and I think like we are like super you know


lucky super fortunate you can be born like in a third world country I mean not to say I'm not looking down on them but it's just yeah we're just super blessed lah you know, like we have like proper housing and proper access to clean water and stuff like that so yeah I think and we have a pretty damn decent government and stuff like that so got to be


yeah, yeah


thankful for yeah definitely and like healthcare and stuff like that so we have a safe system I guess


what did you use to hate as a kid but now love, as an adult hate it's a strong word


I know something I loved when I was a kid I loved the idea of me growing up like I just want to be old old enough to do whatever I want and then now it's like oh man I don't want to be an adult I don't want to adult adulting is tiring


it's a it's to moderate a conversation so I think it's fine, yeah, okay


they had chicken rice though there was chicken rice there, yeah true


didn't even eat that much when uh whenever we go out you always eat japanese japanese japanese food, poser


I think you crave what you like lah you crave you will crave what you can't have, and that's how it is yeah mine is I mean my favourite food is fried chicken I have it everywhere I also like duck


it doesn't have to be crispy it's just you know normal duck rice unlike you I'm a authentic supporter true genuine supporter of hawker food and I always suggest that we eat hawker food when we go out


yeah, K what do we look forward to most when pandemic ends I !wow! actually when pandemic ends it's gonna be a pretty long time like it could be years actually for life to be close to you know


some sense of normalcy but I mean let's say we're in that dream world right now which is, the normal normal world a while ago I would I would love to be able to go out without the mask and normally


go to the beach without feeling scared about people around me, like, yeah


so like !aiya! I wouldn't I wouldn't like right now if you go there you'll feel guilty cause you know you don't want to trigger like another like you don't want to add on to the number of existing cases but I want to travel guilt guilt-free and I want to go there back go back to Melbourne you know


where the weather is good and the people are good, yeah


any uh no you went to new zealand and it was beautiful, too bad


so in a post COVID world who or what are you newly thankful of or appreciative towards


uh I would, I would say my parents like not to say that I wasn't appreciative but like you know I I I came back to be close back with the family lah but like my parents are just looking


out for me a lot more as either way since I've been back and like you know these are like uncertain times and if you like you know you want to hold your family closer to you as well, and like it's nice that they still go and buy food and stuff like that when they can lah and like just little things that they do for you that you feel like pretty appreciative of


I think I would I think we are more appreciative of our healthcare people as well the doctors and nurses and everything, it's funny you call them frontliners describe a yeah


describe a fond memory you share with your loved ones !aww! cheesy fond memory your graduation ah


yeah that was a pretty good trip beautiful place, I think I like I just like Melbourne in general


yeah like the night turns to day the day turns yeah it was a, that's good what's my best birthday present !wow!, best uh actually a few years ago dennis threw me a birthday surprise and I actually didn't see it coming so it's really nice I I don't know whether that was you know really considered a present so I really I don't know whether I can say it's the best birthday present but it was very nice yeah


it was maybe my top few I was I don't know I was I was, pretty shocked it was very nice like a lot of my friends were there, yeah I I think it was very cool because like we had


oh actually it's linked to the best experiences as well cause like there are certain family occasions where we have like uh I my family and friends together so it's like people from different places in life sort of in my life and they come together and they just like


we just have like a nice dinner like a family dinner or like a karaoke kind of thing at a function room and like , these people just mingle and they just talk around uh talked about and they just actually have a good night and it it just made me realise that all my friends can actually like mingle


together well and it's it's a very nice feeling lah like there's somewhat of a consistency like in that like yeah it wasn't like forced socialisation, that's good so yeah


K I stop the recording


part one, financial related topic


I have a POSB savings account which I had it since young also and that was mainly my salary crediting account as well then I also started


having uh with my husband a joint account uh but, I remember we only had that joint account when we wanted to buy a house because we (ppc) we got a housing loan from UOB and it came with the current account yeah so we had it as a joint account and after that


many years later after we got the house we actually sign up for a maybank E savings account because uh at that time the E savings account gave a much higher interest compared to those passbook accounts


yeah so , , but but the problem with the E savings account is that everything you had to do it online if you have any transactions that you do over the bank then you have to pay a five dollar admin fee, yeah yeah so each time if we want to draw out money then we have to do an E go online banking and have that amount transferred to another bank accounts so that we can then draw it out yeah


yeah, that's right yeah so I I think for people like me who always have problem remembering password and all that actually having those online transaction is actually quite bad yeah


oh I have that yeah and in fact each time I think we accumulate uh a certain sum of money then we'll start sourcing out for I'll start sourcing out for


fix these that have got higher interest rates compared to the bank accounts so uh we do, your privilege account


ah ya the singapore savings bond ya, oh that's really that's that's quite low so actually comparing to that fixed deposits or those endowment funds


single premier endowment plans from insurance companies ah they actually yield better interest rates like uh the recent one that I put with great eastern the interest rate is actually one point eight percent and it's only two years, yeah ah correct


ya correct because interest rate is uh has come down quite a fair bit lah you mention now zero point something even for the SSB yeah so actually over since the launch of SSB I have only had once had it once lah uh uh which I actually use uh my uh children's


savings to invest in the SSB yeah rather than keep it in the bank because the bank interest is really low, yeah yeah


okay for for shares , I because of the nature of my job ah or or the rather the company that I joined last time uh it was kind of difficult for me to buy shares also because uh we need to do declaration and then uh yeah because I was working at audit firm


so we need to do declaration if we have any shares and then should it be such that one day we become the auditors we have to immediately dispose of the shares, uh regardless of whether we make profit or not so actually yeah I have very very little shares and the ones that I invest in are mainly for uh dividends


ya dividend stocks yeah because I I'm not so skilled in analysing those shares, for short term trading so I prefer to go for those with higher dividend yields, yeah


[orh] there's not bad yeah yeah at least something earning for your travel your trips yeah uh yeah so , yup


yeah, but the interest rates are not high, yup that's right that's right yeah, yup


yeah, yeah


actually for me I think personally for myself I I probably got an ATM card only at the age of twenty yeah when I started working yeah , but, yeah that's right because before that I I actually don't come from a well to do family background so it was like uh more like we we don't really have a lot of money in the bank


ya ah ya, oh no I actually helped my dad yeah with his business yeah actually based on my experience with my children I I understand that for OCBC once they hit the children's account once they hit sixteen they are actually invited to


actually open a frank account which use a slightly higher interest rate than the normal savings account yeah and then if they open that account they are given a debit card also, so I actually did that for my elder boy yeah and I think many of his friends already at that that age they already have a debit card


yeah so yeah, it's just like it's just like ATM card or maybe for emergency use ya, and then uh yeah it was just a online statement kind of thing so actually I feel that with that uh I kind of lost control of


he ya of his finances so , in a recent trip to the , yeah, that's right


ya ya ya, that's right that's right, yeah, yeah that's right


ya so actually for my eldest uh I feel that uh it is for important for me to keep , some of his savings in his other bank accounts which he doesn't have a credit card uh uh ATM cards ya so it's like because for him we have two other accounts besides the OCBC one that uh we open end of last year I still have his POSB trust account and also maybank account


uh yeah since my since my children were young I actually open a maybank children's account for them because it came with free coverage for hand foot mouth disease, as long as you have a yeah minimum three thousand dollar savings inside so I actually went for that because when they are young they were actually at high end in full day childcare they were actually in high risk of getting hand foot mouth disease so I wanted to have it covered


ah the the baby bonus, yeah


yeah, ya our expenses lah yeah , yup correct ya


uh no actually uh I'm not so sure about whether it's reliable to get from the the bank tellers so yeah I


ah okay , okay


yeah, ah okay


ah okay, ah okay, ah oh okay


ah okay


yeah okay, okay, yeah, actually


sometimes we just buy on impulse thinking that we actually do yeah so, ah that's right yeah


yeah that's right, uh okay


I I haven't got anything from the bank tellers in terms of insurance products ah but I do have those like uh personal accident plans through the credit card companies' cold call ya correct so uh I actually had two which both give me uh cashback if there's no claims


ya uh but one of it , during uh my last few years review with my one of my insurance agent, the agent actually told me that uh I could actually terminate I should actually terminate one of them so I did uh terminate the, uh one of them but I kept the other one which gave me something like hundred over dollars of cashback every year without if I don't make any claims but in this year's renewal of my AIA personal accident plan


I then realized that actually I'm paying so much for my uh that plan that I paid using the credit cards, but, I only get like a five hundred dollars of medical reimbursement which is like so so little yeah


so uh I decided to, that I'm going to terminate it upon the next uh the the expiry of this plan which is end of this year yeah and uh I and I shifted , I decided to terminate the AIA plan as well lah because the medical reimbursement wasn't that great so I'm actually moving on to another policy


yeah, yeah


I yeah that's right , uh yeah actually


yeah uh because I think for the NTUC the OCBC uh plus card the silver one it actually gets you better double the the rebate compared to the black one that we have


ya so oh, oh okay okay yeah that one supposed to be higher percentage ya so you're actually getting higher percentage compared to me ya, for NTUC I use that, maybe yeah uh I do have like uh the union shares as well so uh I do get some dividend out of it every year lah yup


uh it's actually not bad I just got my dividend statement uh for hundred shares lah just hundred I actually get seventy over dollars in terms of dividend, so that's actually quite good ya then because I stay next to a Giant uh when I go Giant I actually use a UOB one card


ya for the rebate yeah and then uh with passion card which we earn points uh for each purchase so each time I will just deduct out of off whatever rebate I have in uh passion card whatever I have in the one card before I yeah then pay for the rest of the balance


ya that's right that's right, movie oh same I have that no it's not only because of GV and uh Isetan remember ya ya ya


yeah, but what can you do with the points, uh redemption is the catalogue good


oh miles I don't go for, cards with miles, ah yeah oh yeah yeah, oh that's nice yup ya


ah okay, yeah that's right that's right ah there's actually very good I think


in this because it's not easy for us to grow our money I think we should take advantage of all these benefits that comes from the credit cards that we use yeah, now we think that yeah I think the


cashback is more ya cards that come with the cashback is more useful because you see the direct uh cash being returned to you ya, yup


yeah correct, (uh huh) the lady's card is it


oh okay , ya so I think it's really what kind of credit card we want is depending on the type of lifestyles that we have yeah


but amex is like not everywhere it's accepted so it's like I'm kind


ah I see I see okay, ah oh I have heard about that also ya ya I think I used to have that card yeah


the next time you are going please bring me along fifty percent for me yeah that's right, oh okay okay I see I see okay that's a good deal


okay yeah I I terminated that card long ago


part three negative experiences


ya actually it's like so bad, to have this kind of thing in a increasing mode


ya, ya those people are just so sick, ya that's right, so I think this because I I'm not sure whether it's the education part that's failing failing or what or because the society is so stressful that people just crack and then they had to do this kind of horrible stuff


ya that's right, but


but sometimes I don't know, ya that's right , I think it's not just one ya


ya that's right, yeah that's right, yeah, yeah that's right yeah


so sometimes it could be I I feel that it could be the stress that they are undergoing I don't know what kind of stress that actually makes them crack and want to do something ya ya ya that's right


yeah but it's difficult for us to judge lah because we we also don't understand what they are going through ya correct, yeah so actually yeah there are a lot of things that yeah we can be angry over but I guess we just have to learn to deal with it yeah and think positively yeah


ya, ya correct


yeah that's right that's right yeah, I think it's more it is it's it's not that yeah anything great has changed but probably yeah it's getting more and more such cases yeah correct and then you can see that actually those offenders are actually also getting younger


do you think so ya they are getting younger as well yeah, ya that's right that's right ya


ya that's right, yeah yeah that's right yeah that's right yeah


actually for me yeah , I was on a part-time job we are and supposedly part-time hours ah but the hours were really long, especially if I were to work from home


ya it's the hours are almost like full-time hours but in terms of pay it's part-time pay and it's a highly stressful job ya which is why I decided to leave that job, ya even though ya it actually uh


gave me some uh, some good friendships from the company itself lah from teammates uh my ex teammates all that yeah


yup


oh that's true yeah, okay, I see I see okay


oh yeah talking about this I totally agree you know I had this so negative experience uh with my uh one of my insurance agent she was from NTUC income actually I didn't know her uh because , when I started working I actually bought


the incomes that the policy from, a colleague who was doing insurance for on a part-time basis so I actually bought from him then one fine day he just left and he didn't left the industry and he didn't even inform me so suddenly I got a letter from NTUC saying that my


uh case I mean my policy has been reassigned I'm to I'm being reassigned to this so called agent and one day uh she had something for me to sign so she came to office, and then guess what my horror was seeing that she was waiting for me at the lobby all sweaty so that gave me a really bad experience because I mean in my previous job


I was I had a bit of uh customer fronting, job that I need to do so yeah so the image the service and all that is to me is actually very important so it's like so at that time I was thinking oh how could you come and meet your


customer whom you had never met before with this kind of look in the sense that you are all sweaty while waiting for me you could have like dry up your sweat , ya so I didn't, yes and so I didn't really like it and I hated that agent for being so unprofessional


ya so I was years later when I received a letter to say that she also left the industry or rather she, left NTUC income and I was being assigned back to the centre I was actually sort of thankful that I didn't have to deal with her again


yeah because I just feel that she's not professional, ya that's right


ya that's right, yeah, very drastic now


yeah


ah okay, ya yup


yeah that's right yeah so


!wow! ah yeah that's right, yeah I guess that because there's nothing that they have nothing to do


yeah, ya the standard has dropped lah but sometimes I just feel very embarrassed to go and tell them ya so sometimes I will just walk away from this kind of situation yeah


rather than continue yeah, I got lots of it I got lots of it trust me


yup , oh dear


yup , ah okay because of the static ah okay yup yup


oh I see, ya


okay no for me it's like uh one very memorable one was like uh in those early days during the dating your husband I joined one of his family meals I join one of his family meals and then there was this


uh moment whereby one of his younger cousin came over and ask him is this your maid, ah oh it's like it's so embarrassing because I think because of my look my mum has got some uh my my grandmother is a baba so yeah so we have a bit I I I look more like my mum so we have a bit of those the baba look and all that so


then that translate a bit, that my look actually looks a bit like those filipino maids or indonesian maids


oh so maybe I just go and learn that particular sentence I I'm not , ya correct, I think it's usually Indonesia and uh or filipino ya correct uh so my looks ah then the other the other thing that always embarrasses me is actually my chinese name


because my chinese name is #yi min# which sounds like you know the noodle #yi mein#, yeah so sometimes like people make fun of me lah to say oh I I don't have #yi mein# here I have #hor fun# those kind of thing ya so but then because the my Yi is actually it runs in the family ya so regardless of


whether it's my cousin brother or my cousin sister or my brother or my sister we all have the Yi thing, the Yi yeah , yeah correct, my my kids no yeah but my brother's


ya my my nephews they follow, ya the male side yeah correct yeah , so it was like ah everything, yeah


yup


yeah that's right


ah okay


for me I think I'm thankful that all my friends are actually quite nice and uh my siblings, are actually quite concerned that uh since I'm not working financially are we okay or not ya so sometimes they actually tend to yeah buy me things they tend to pay for things lah like that ya so actually I think within the family it's probably myself that is


sometimes feeling guilty that yeah I'm not contributing to the family yeah income, yeah, so when I go out with friends generally yeah they are quite nice they are also yeah I have my uh regular meals with my meetup with my junior uh she is also always caring about me ya so actually I I don't have that kind of situations like what you are facing lah


yeah yeah , yeah I agree


yeah, not really yeah


but I I guess I should start thinking yeah probably to tell them that yeah they have to yeah live like there's no tomorrow and also , love the environment so that if they want to have a longer life love the environment love themselves and stay healthy yeah I think staying healthy is very important


especially for families which do not have , very good genes in terms of health yeah, because if you have a family history of some uh chronic diseases than really getting the younger generation to eat healthy exercise and stay healthy is actually uh an utmost task that I would want them to try and achieve


yeah


yup that's right , ya


that's true ya , that's true that's true yeah yeah


are there things that that that keeps you awake at night, I think for me is uh because yeah at this stage of the life it's all about the the kids right so sometimes like !wow! if they have major exams coming up ah !wow! that sometimes can really keep me awake at night


what about you, yeah


I, I do have those moments as well yeah , that's right yeah


ya that's right so sometimes I'm also thankful that I have friends like, you ya like my other friends that I can talk it out over about such things ya correct


yeah, will become grumpy


yeah that's right that's right, yeah, but we just have to try you're right lor to keep ya


yeah we, that's right things that challenges us to think better do better


part two positive experiences, oh dom I wanted to share with you one very positive experience that I had in a recent trip to the bank although it started off with not so good in the sense that it was a big crowd outside the the bank because of


the social distancing measures that they had yeah but when I it was my turn and I went to the teller it was a really good experience that I had because I was chatting with the teller about the situation how come the whole of Tampines they only had one, uh outlet uh one branch that they still open during this period so she was the lady was sharing with me what happen and all that then uh we we started talking about the POSB trust account that


I I had it with her for the transaction that I wanted to do, then she was sharing with me that oh do you know that actually even though it's a trust account you I do not have to close it when my child turn sixteen or eighteen or even twenty one I can keep it for as long as I want to and uh for the purposes of saving it serving it as a savings account


uh for my child like like what we have discussed earlier on that once they get their own credit card their own bank account then I actually lost control of , the amount that he had the kind of transaction unless I have his PIN to log in and look at his bank statements


so actually I was very surprised to hear that that I could actually keep the POSB trust account and continue saving in that account although the interest rate is not that fantastic lah and in fact it's quite low but, uh with the uh


concept of uh having uh some savings for him ah, yeah I think I will continue doing it and then yeah because he gets a weekly allowance from his grandpa so I'll try and get ah ya on and off I get those allowances from him and then will put it in the trust account for him


ya so called don't touch account ya, ya that's right, ya ya that's right


oh for me I actually miss uh our badminton sessions yeah our morning badminton sessions and the exercise sessions ya correct so although the like you mentioned the also the courts are all open


but I think being in an enclosed area is still not so safe after all looking at the climbing numbers of the community cases yeah, yup


yeah that's right, yeah correct


we do zoom yeah effort, ah that's right that's right


ya that's right that's right, that's right that's right yeah I'm also thankful for that lah in the sense that I actually get to spend more time with my uh with my boys because uh being in secondary school their days are really long


and they have so the CCA also take up so much time and then for for my second boy he even have japanese class to go to so before COVID ah is like every week he only has every weekday uh the weekdays he only has a wednesday that he comes back for dinner


yeah so I'm really thankful that because of COVID then he gets to have proper or homecooked dinner every day, yeah, yeah


ya no worries about that I enjoy doing it you know I I actually enjoy doing grocery shopping for my friends so a call is always welcome, oh that's a good idea I've been thinking about that too yeah maybe I can


yeah yeah I can just, put up a notice at my notice board my housing estate notice board uh shopping uh assistant yeah


yeah


yup ya, yup yup


left three person yeah, ya, but if we die already


why do you still need ya


ya, ya that's right, yeah that's right yeah yeah yeah he's probably still thinking that he has a share in it ya


for me uh actually uh I their my friends joke around a lot with me so actually I also can't remember what uh joke that we have lah, but the recent conversation that my family had in the car my kids were talking because my youngest girl was actually grumbling about her project mates they keep quibbling and