how how did you get out of that phase


actually I I have another saddest moment lah, yeah, but then the saddest moment is like too too harsh lah for me like I am I never told anybody about it before, like


I had I had this one time where, I actually broke up with my ex that was like one of the saddest moment because, she cheated on me


how I found out that she cheated on me was, I saw I saw it in front of myself, uh I saw I saw it lah, at her house ya that was like one of the saddest moment then like I I didn't for like one week I didn't like


had a proper meal like I had no appetite, to eat then like I see I met I met I mean like I keep crying and like, non stop for like one week like I would I would also like lock myself in


I will locked myself, like until likes until like my friends like, pull me out of my room


(ppc) what's the worst thing you have witness and kept quiet about it


seeing my friends the like girlfriend, going out with another guy and I don't even tell them, because I don't want to slightly spoil relationship understand like I I I I know I should tell them but then I feel like I shouldn't had tell them I shouldn't tell them also


because like if I tell them maybe maybe maybe the boyfriend know that she go out with the guy, correct, then like if I tell them also like later then if cause I don't know about their relationship what, so I don't want to bother their relationship


what is the worst thing that you hope will never happen in real life


you will it I mean you you you can't escape from it right correct, you can't escape from it like, ah you are not prepare lah


for me is is the same thing but then it's like I I feel that I'm is a worst nightmare for me but


I feel that I'll get greedy about it in a few time in a few in like in a few years lah like for example like make like I will slowly take the, cause like, I've seen like people uh the other family


other family members like like not my family but that the other family that their their relative like their (ppc) like for example like I seen like there are other families, like they are like


maybe like their brother like pass away or something, then like I I it shows it tells me that like, is is like something that I need to look I need to be ready for, yeah


kell tell me an tell me as tell me something that always keep you awake at night


like what what make you, ya like something that ever


but have have you have you talk to someone about it


like okay so you said you you said that the feedback doesn't work on you at like what kind of feedback do you do you expect from the other party


like, like you said that, I, okay like for example like you said that your feedback that you are like the other people feedback doesn't work right like your the other people feedback doesn't work


then is like what kind of feedback do you expect from, from them


like okay uh what what do do you do you like also like go with the flow , what about going with the flow, like isn't that better


so it's wrong or right, be alert lah uh what


ya correct, I understand, I feel that like going


okay right for now right, I feel like going with the flow is actually a good thing, like for now lah because is like


it's like making me to like I don't know what future I'm going to have ahead, like, uh like , it's like something that I don't know what to do so I just going with the flow like


just see where where this thing leads me to , get it then like I rather have doing that now then, so that after when I when I hit a certain point I can know which which which area I want to pursue in


in life yeah yeah


tell me tell me things tell me things that you make you smile


for me for me it's like uh a meet up with uh close friends after a long day of work like that make me smile even though I I'm tired, like


I can like even I can hang out with when I when I I hang out with them that that make me smile lah like even they have like they make time for me ya and also like hearing, thank you when like for example I just help someone like open the door or something then like hearing the word thank you make me make me feel appreciated lah like I feel ya and also like


knowing that I make someone day like someone told me that I make someone day like for example like I I like for example I send a food, order to uh customer


then there's then they like commented on it like ah thank you you make my day then like I feel appreciated about it that that make me smile lah


okay for me is a Itaewon class is there there's this korean drama that I watch recently, and ya ya is one of the best one one of the best drama that I I learned a lot about it lah, yeah and uh


uh it teaches me about taking risk like even though uh even though you fail you you still you still need to get up and try again, and like it teaches me how to control my anger like not learn to control your anger instead of like showing that you that you are angry at someone like be patient about it


and also uh there's this part where uh one of the the main character give second chance to uh one of the characters uh because they he she make a mistake


ya and giving second chances okay giving chances second chance to people is is often a good thing because sometimes they they will learn from their lesson, unless they repeat the same mistake and then that there is no that is when you don't need to know that you need to let go lah


and also like for like it for this drama it also teaches me like uh having dreams is a good thing like you should you should never give up on that dream that you are that you want


and always don't listen to other point others point of view, like yours is more important ya what about you what's your favourite TV show or movie


which is


would you do the same like what you say about ross and rachel would you do the same, would you do the same like about ross and rachel, like would you like actually prioritised love over work


for work is it for work is it


so you so you are saying that you would put extra effort on work then then uh you would put extra effort on work, but then you prioritize love more


tell me a place that you love to visit and why the ah yeah yeah and why


mount faber


so it's like a park


uh for me right, is a bit lame lah but you know is a is a bit lame but then it's actually right my cousin house lah like legit legit is like legit my cousin house like because ah every time I every time we would have a gather family gathering right then we will went we will go there for


(ugh) for like ya then, for a gathering lah and then like we were off to we will always play like games like that we have a nintendo switch there and we like, we can play like just dance and then we also have like uh


uh uh we have a lot of food there like sometimes my grandparents my grandmother, (ugh) my grandmother would cook like like, a a lot of food for, uh for us to eat then what I like about going there, is that ah is the vibe there lah is mostly the vibe and like sometimes you have like a


family talk like or maybe like sometimes a future plans a talk about our future plans like for example we planning on going for like island hopping, then we will plan there then , then after after like doing planning the island hopping then we will we will tell our other relative about it


, ya that that's , it's it's fun lah that's why


and it's and is also near my house so is like I can just like walk there, uh there, uh what was the best meal you have ever had like what what what which place that you which place that you went that actually have the best meal that you ever had


like okay you say the best would would you would you recommend to like, people like then like for example like, uh , for like people okay I for example I have like ten dollars what can I buy there


what what what's the price there how how is the price there is it like expensive


, or is it like worth it


okay that is good for me is


I have this place ah I I've I already been there like twice I think, is like is this place astons by and or is it call is it that one uh and there's, andes by astons is is a halal place is ya and I I went to the


place and it's like quite actually it's a quite it's a quite nice place to eat, to have a like gathering, or like maybe like, uh like a date , together and then like I've had have a date together


then it's like but the price there is a bit expensive, ya like ya, it's not worth it but it's it's nice having there I think they're good in they go for the quality than the quantity


ya that's that's why it's expensive, I would recommend like, eating their steak, even though it's expensive right but it's nice lah


uh if you want the most expensive one it will be like, forty four dollar, for like a steak like one slice of steak


, ya but then they also give you sides lah that's the good thing ah you can choose your sides


what made me happy


uh what I love about myself, uh I feel that, I


I am someone that, ah put prioritise others over myself that's what I like about myself, like, for example a, like when someone in needs right like for example they need help


in like, they are ah how, to say like in their uh finance ah like they're in money or something like I would I would lend them that I would lend I would lend them money first, but, if they broke that trust where they didn't pay to pay me back right then I will be like that's when I will step in lah and that that make me love myself because like I I I prioritised others over


myself what about right what about you


what do you love what thing do you live about your like what one thing one thing do you love to do


that's good but then like


uh no like I I want to ask that like why uh how


how is teaching fun like I thought it I thought you will be like stressful to teach around like children, twenty thirty seven


you want to start first sorry could you could you speak a bit could you speak a bit louder , , will I oh uh I feel like CPF is something that we all do not like at some point of time because is like you make


you get your income and then you realise that part of your income is based on your CPF that you cannot take out until maybe you were like fifty five which is put into your, SA account your SA account ah wait give me a moment


okay so I forget what that means but it's actually an account for your retirement or old age which you cannot take out at all so I feel like at one point of time you just get annoyed by having


to uh have a CPF contribution but at the same time the pros is that you will get, probably when you get older you realise that actually having a CPF contribution is good because it helps you to be responsible on how you spend especially after you have retired from your work so yeah how about you


yes uh uh I'm hearing you just continue talking


(uh huh)


okay I'm going to ask you another question what's one financial advice that you will give to the you five years ago


, ah I feel like one financial advice I would give to myself five years ago would be that uh it's important for me to always have savings no matter how much I earn or how little I earn because that will actually help me in the future


in whatever situation that I'm in for example when the circuit breaker started I I was actually grateful that I actually had some savings from my job and my internship


I didn't use it for the things that I wanted to buy online so I feel like that decision that I've made that one decision I made is what saved or what helped me to get through circuit breaker period when like everyone is having trouble financially yeah


so sorry what could you repeat sorry I cannot hear you can you talk a little bit louder


both actually because I actually have my own savings but I actually gave some of


my money to my mum so she holds another account for me so that account she actually uh holds for me so that I won't be able to take it out unless it's something important for example like I need to buy a laptop for school


so I needed the money cause it's uh something that I need for my education wise so ya so my own savings will be like for future purposes, ya how about you


sorry could you repeat your question


I actually don't I'm actually not really like someone who actually re financially be talking about this but I feel like


a strategy would be to separate your income basically I've I've actually read this somewhere in a website uh local website singaporean website that actually teaches you how to


uh separate your income so basically like how you keep it for your future and how you, uh separate it for your savings and also for your own like your medical bills and so on like that so they have like this fifty thirty twenty kind of thing ah like a framework


from this website so is like fifty percent will be like your expenses thirty percent will be your wealth basically your CPF, for your retirement or you can just save more and twenty percent is for like emergencies basically if like


you end up in the situation that you are, that is unexpected so that emergency money is for that and uh you should check out the website cause I feel like it's good they even have a podcast for it talking about how you can actually increase your CPF contribution money for the future


uh


okay ah I think talking about savings do you have any habits, ,


interesting it's okay I do that sometimes too, but I make sure to separate my money ensure to ensure that the money that I have is enough for me to last the whole month at least


, okay okay since you all having since most of our generation like our generation has a credit card do you think that a person should have like a credit card with them


uh I like, as what you said also there's pros and cons to, have owning eh a credit card for your own expenses I feel like the pros would be like uh contact-less payment because like sometimes you are holding too many things so


having a credit card might just be more convenient for you to access to your expenditure I guess because it it would just be like a take away from buying that thing, that you are that you are purchasing at the point of time uh another pros would be having the the freedom to actually ah


purchase things online because some of the things online like Shopee Lazada all require credit cards especially like visa mastercard for you to purchase your items online and since like putting to the situation that we are in now like COVID nineteen having a credit card would


be something that we all will actually want because it actually helps us to purchase things online especially when we are stuck at home for at least three months without


like we cannot even go out most of the time so I feel like having a credit card would be something that is convenient for you ah but is also ah look at the situation that you are in also uh the cons would be


people be irresponsible with their, uh expenditures especially when you are when you know that you already have your income then you will spend you will spend a lot especially if you have a credit card because it's just a tap


especially when when that that store itself has paywave, you you will only need to tap your card and then it's like you are done you have paid whatever you have purchase for in the store itself so I feel like it actually help it actually at one point will somehow led you to be irresponsible with wherever that you spend


debit card is basically for, like more like debts basically they deduct from your, bank account because credit card when you pay wave right it doesn't automatically like deduct deduct the deduct the amount you know it will take a while to process before they deduct so like


ya that's why I says people might be irresponsible because they might just tap tap tap tap tap but they don't know that actually they're spending a lot of money because it takes a while to process


having a credit card is is is the pros is like you can pay first or like it's easy because you just have to tap but the cons is that you might okay so uh the the cons about it is, you might overdo with the taping cause sometimes when you are really into the shopping thing you don't realise that you are spending more than what you earn


yeah so it's bad if you spend more than what you earn for that month and before your next month pay actually comes


it is actually good look it depends on the situation that you are in , , yes that nine nine yeah


no I say that it's easier for you especially when you want to be at home in the comfort of your own home


because sometimes you are just lazy to go out and you know that the nine nine sale it's going to attract a lot of people especially in this situation you don't want to, you know endanger yourself, like you are being more cautious I guess more self conscious of the things around you


ya so I think having a credit card is good it depends on the situation that you are in


but the rate thing is also there's there's that might be uh like interest if you are below a certain amount in your bank I'm not sure which bank but I'm but I've heard of it before


!huh! ah sorry, yes


part three negative experience


I feel like a time where


nobody cares about me is when, I actually had a rough time in year two of my polytechnic is when I made a a mistake that I shouldn't have made


and uh I felt that the people that were supposed to be there for me were not there like the friends that I thought will


were there like, I thought my friends who I hang out with be there but they actually, the the weren't there but yeah


ya that was that was that was like, the time where I feel like nobody cares about how I feel even though like I made the mistake, I actually thought it's it's something that


you have to tell yourself that is okay even though it's not like because, we all have school and work so especially when you're working and you're not feeling


like your one hundred percent for that day like it's just like life just comes to you like so suddenly or like progressively it's something that, I usually I usually listen to music to block out all the like all the thoughts from my head like music actually makes me feel better so whenever I feel like


no when I feel like nobody cares but actually there's someone is just is just me I I will just put on some music and just listen until I feel like I'm okay, and uh I don't really bring I don't really like


bringing my emotions to school or work cause it just disrupts whatever I'm doing for that day and like I feel like, it's a not uh professional because yeah you have problems but other people in the company or like the school is also having problems


or they're having even more problems than you so it's not something like professional for you to do


I mean it's like sometimes I acknowledged that I'm not fine, but I just ensure that it doesn't affect me ah it's like you acknowledged that it's there but you don't give it power to control what you do for that day like you acknowledge that ya I'm sad but I have things to do so I'm not going to let it bother me for the rest of the day so yeah


the saddest moment of , my life sorry, the whole what oh the O level was your saddest


moment , I feel like the saddest moment in my life would be, the starting of last year the first quarter of two thousand nineteen was like the lowest point of my life the saddest point because


I actually ah as something happened and I actually lost myself in process of uh recovering, I actually didn't want to go out of my room


I didn't I didn't had a healthy eating routine, cause I was just so sad at the point of, time ah I tried to my friends actually tried to help me but


but it was it was just a moment of my life that I I have want, to not remember at all actually but it's is there is part of me


yeah so uh I actually managed to get out of that phase that the saddest moment of my life phase , uh I actually started to


to push myself out basically like even though I feel like like very sad (ugh) I will push I will try to get out of the house cause I've, feel like being in the house in my room is not helping is not helping


my mental health at all, so I will just force myself out and go out with my friends and I actually felt better by the end of the day, so yeah that's how then gradually as


I start to get back into track of my life I feel like, ya it it was it was it was a process I was a journey so I actually forced myself to get off the house get my friends to actually hang out like like the good ones


and I found myself that actually is not as bad as I thought it was just me so yeah how about you oh wait you already told yours okay continue


(mmhmm)


I don't know I don't recall what is the worst thing I've witness


I actually thought I have but, I don't know I can't recall any how about you


I get you one I get you , worst nightmare I actually had


this nightmare where I dream of someone close to me actually , passed away I guess so it was a nightmare that I wouldn't want want it to happen in real life or to it will actually


happen some time I just hope that it wouldn't happen, I know we can't escape from it but I just hope that it wouldn't happen so quickly


yeah I know it's I know it's something that you can't uh run away from but, my hopes would be that it wouldn't happen so quickly it's that's a nightmare for me because I think I wouldn't be able to recover


for a while ya how about you


sorry can you repeat


uh


okay , something that keeps me awake at night


I would say, something that keeps me up at night


me thinking about the my future ya cause I'm almost done with, my polytechnic life like three years I'm graduating next year so I feel like that that I mean it didn't affect me at


that much when I was in year one but now that I am in year three and that I'm graduating soon, I feel like that is, an issue that kept me that keeps me up at night


because I'm still unsure of what I'm going, what I want to do or what I'm going to do, in the future after graduating getting my diploma , I mean I have I have uh a path that I already set for myself but I'm still unsure whether I


can make it to that path but I will try my best yeah, that's that's an issue that keeps me up at night and like what do I do after poly and all that, but


I, I don't think the feedback actually helped me, at all


so yeah I'm like kind of like dealing it on my own right now


sorry what, my feedback what (uh huh)


uh is like you know when you are adult where you are transitioning to be an adult from a young adult to a full stretch adult sometimes you ask for like opinions from, from like another adult


you know and then their their reaction would be like it's not it's not something that I would say it, it's a positive thing


cause I would have appreciated some inputs on life because I'm I'm going into the workforce soon, so I will actually appreciate some inputs on how do how I can cope with like emotions and all that but that that person only like


pushed pushed , whatever they're asked to to one side so


uh I would go with the flow if I am like I'm confident of what I'm doing so if I'm confident that whatever that I'm going through now I can actually


flow a go it I go with the flow and I can actually stay relevant in the industry or I can actually benefit from it or become even better that I would actually go with the flow cause I know that whatever I have I actually secured it that's why I'm able to let go with the flow


but ya cause sometimes going with the flow is it just leads you to some place that you don't want to be in so I think ya, going with the flow is not wrong I'm not saying it's wrong


but sometimes it just leads you to some place that you don't want to be so you have to be more like smart about it, like ya you can say like okay I'm going to take I'm going to like take my time to find a job but how long would you take that time to find a job you got what I mean cause the longer you take the more you feel like you don't want to have a job get what I mean


, what do you want to go with the flow


twenty thirty (ppl)


part two positive experiences,


you want to start first , , what is small things that made me smile uh I think just uh when people check out on me, like when people ask me if I'm okay like the small things in life I feel like when people ask me that question like if I'm okay it makes me feel like I'm not alone in the world


so like there's always someone watching over me ya so that actually makes me smile because sometimes when I'm having a bad day I just need someone to ask me if I'm okay, ya how about you


, that's good


okay talking about things that make you smile describe likes a movie or TV show that you have seen, like like describe the best movie or TV show that you have ever seen and why do you what do you like about it


okay


uh I think you know it's , my all time favourite TV show the best that I see will be friends ah everything about that show from season one to season ten I like it a lot uh why I like it is because


you see the, from season one to season season ten, you can actually see the character development and how they come back from the setbacks they have in life cause it's like a


uh uh uh america sitcom, like and every season has their own like unique thing about it that people will always remember be it like one episode or like the whole season and I feel like when I finish watching the whole of ten seasons of friends


I feel sad because it was a very very nice journey to see like, like five friends being together for ten seasons and it will and and it's coming to an end like the different uh ya of course ah


I think the the most memorable part I remember about that TV show, would be the last episode which was like the forty seven minutes long cause it was just a lot to take in is when


ross and richard actually went back together the the the character's ross and richard actually went back together and rachel actually sacrifice her job, for love because she felt that uh


she felt that she felt that ah no matter how shitty life is as long as she's with ross it will be okay and she can get through it it took it took a lot it took a lot of seasons for them to get back together after what happened so I feel like


it was a good it was the best TV show I've ever since, sorry can you speak louder ,


but I have to make sure that whatever that I'm doing it will be like times two more lah I've to put in more effort because I'm not only I'm not only in this


alone you know I'm like together with someone sorry what


(mmhmm), ya I will choose love but, when I choose it I would also put in times two effort in my work cause I do that whatever I have given up would be


like would probably but me in the future but if I work times two harder it wouldn't feel as bad, get what I mean ,


one place what sorry one place that I love to visit


I feel like one place I love to visit would be mount faber ya because mount faber at night it's just very very nice when you look at this like situation around you and the view


ya I feel like mount faber will be one a place like one place that I will love, ah that I love to visit because when it's at night the view is just phenomenal like you can never get


the same view that you see in the afternoon and the morning cause like when is because when you are there you just taking the atmosphere like when it's quiet, and the wind is blowing towards you like cold wind then you see the view is just like whatever you have whatever you feel whatever you stress about it's just


gone so ya that's it especially if like you go with like with someone that it that that you care about then it adds to the the


peaceful situation that you are in how about you what's your favourite place that you like to visit


so that's that's a place that you love to visit okay interesting cool cool cool cool


uh which restaurant that I went to that I have the best meal, uh


uh I think it will be this restaurant called I don't know if I'm pronouncing it correctly but it's called uh #positano risto# it's actually a small italian restaurant that is located near a #masjid sultan# at Bussorah street so what


why I say it's the best place is because uh compared to other restaurants that I've, been to for example like swensen's , I don't know like those typical restaurants that everybody go to I feel like one their food the food that they have is better compared to the other restaurants the taste is more prominent I guess


so they they actually like when you eat it you can see that they actually put a lot of effort in making the food, when you taste it and then you realised that it's actually really good, so yeah is the best meal


oh I I ate one of the like I guess one of the things that they actually, like I guess is the paste and lia I don't know I forgot but ah is the mac and cheese with crab stick


yeah, it will , (uh huh)


what can you buy there like recommend I feel like if you want if you want something that's a bit a more the pricing would be around twelve dollars to about sixty that's like the price range


of the food there so the the most expensive would be the the lobster, fettuccine if I am not wrong which you could actually share it with two people instead of just one but maybe if you were like a big eater you can just finish it all by yourself


but it's good for two people ya, I mean if if you want me to recommend to someone I feel like if it's a one time event thing like a birthday or like just celebrating some milestone that you have it would be a good place for you to actually dining in and eat together despite the


the like varying ranges of prices that they have there


hello (uh huh)


compared to like the the food the ratio of the food to the pricing itself is not worth


how expensive is it


okay okay


I think I will try in one day, , ya I feel like that's one good thing about it but I wish they would put more side to it because of the price that we paid actually paid but it's fine okay talking about food I'm pretty sure that


food makes us all happy , so uh, I guess what what is something that you love about yourself


sorry what about me I feel like something I love about myself is that, whenever I'm motivated to choose to do something, oh when I actually have the passion for it I actually go through all the way


so I don't stop halfway that's the good thing, ya I feel like that something I love about myself especially if I'm doing something that I love


like like I love teaching I love teaching especially teaching kids that's what I'm doing right now, teaching teaching kids, so I feel like no matter how tired I am with them there's always a catch to every session that I'm with them it's like yeah I'm tired but if at the end of the day they get what I'm teaching it's just worth it lah


so yeah that's something that I love about myself


you want to ask the question , ,


twenty thirty nine now


finance


hi , uh start with the first one , ya do you have the habit of saving how do you ensure you meet your savings goals, go for it yeah


physically right I know I know you prefer to have it physical, because the card is the dangerous one that's what I


cause it's too much to like transfer right it's a hassle, , so the more hassle the the your your savings plan is basically more hassle for yourself to spend money


I think you've always been doing that though like since like teenager also you always had a piggy bank a physical piggy bank, yeah, it's very it's it's uh way more analog than me uh you know about my excel sheet


uh that that I I feel like it's perfected now and then, uh actually I was showing it to uh jamie because it's got a form where you put in your inputs of spending and then it's a pivot table to show you the breakdown of like bills garden self food travel


and then at the end of the month !huh!, a pivot table yes and then at the end of the month, the plan is tos like spend only so much right but in the end I always go over but then then there's a a a a cell that tells me how much I went over and then if it's above like don't know how many dollars it will be a red colour


, but I like detail I need the detail , just


, , ah, but ya I like that's why very different and that's why if we're both a couple this will never work out already,


thank god we're sisters, papa hears us laughing he thinks it's over


what's your one financial advice that you would give to you five years ago


full stop don't spend full stop


oh man yeah, but you had to go through that to learn that this is correct that is not a good thing to spend on


right before I join uh spotify I was taking cabs every time I , I ya taking cab like taxis around, every time , cause I used to go out with like uh lush mates yeah especially after lush we would go out for late night supper then spend money on food I never stop myself the moment I say something I would and you know me lah I will just keep eating and then ya that's that's where I I realised that like


ya that's that's not worth that's not worth spending money on, yeah and this is like right when Uber Grab just started so still quite expensive yeah


that's why ya, how do you manage your financial commitments before and after marriage that's it, uh actually uh ah you going to find it out here first but uh me and jamie are thinking of not thinking of but we're about to open a joint savings account yeah


then that would be uh we'll put in like let's say hundred dollars a month because we want to spend very little right the whole point is to spend very little on food and then that would be, where I spend money on cabs if I stay late


and then cause it's usually me right I don't want him to spend but then this is like that that joint uh costs, so both of us pay for the food, ya ya ya correct and then uh then we joke lah if we break up then we just like we would need a prenup right


, , whose idea it's his it's his yeah , he suggested it earlier and then I I was like !woo! this is too early and then now okay I'm I'm kinda ready


as in like I like it but he but he said it too early like he said it like eons ago then I was like !whoa! calm down


that's true it's just him yeah he's very good at like watching spending and then he'll hate himself for buying five Lazada products yet again you know like yeah, uh you you what would you do I guess even if like lukman in mind I guess or like what's your ideal


ya if you got bills


in a post COVID world what changes are you making in terms of your spending oh that's it it's easy it's easy to save when you're indoors


if you take new normal I guess


on that topic right #wen hao# was saying he was looking up staycation uh because he wants to go with his boyfriend then he realised that all of them the promotions are booked up and the promotions are not even that cheap then he is saying oh singapore is going to suffer man no one's acting like we're in a recession


people who can spend money should spend money


but us in the mass middle we feel like eh we can still spend and then, you will like you know ya true true, cups and mugs yeah and tea yeah


, , ya but I I I really like the eating at home thing like I think I think if it's one thing the the like what, Yumi and jason do Yumi cooks almost all their meals uh that really save so much money yeah especially knowing me I like to eat more also


yeah, kids different uh, I think I never told you about the fire then I can told you about the fire now, did you hear about it before anything about fire


true that's true like get rich quick schemes but the FIRE's legit though, so for so FIRE is like I think you spend like twenty to twenty five percent of


your uh your your monthly salary on on, everything that you need so there's no frivolous spending at all no don't think about holidays don't think about car don't think about what but then you should be like in theory you will be if you


earn five K and above let's say in singapore depending on your cost of living you should be able to retire by forty five, like fully retired you have enough in the bank but then but that's five K and the money you are immediately saving like uh immediately putting to stock


bonds stocks you're going to sneeze , ya so like by forty you have assets and stocks not just the money sitting in the bank lah but it's , it means you live like a monk lah like you really have to do nothing yeah it's the really like monk level


ya exactly ya ya ya like living with your parents some singaporeans will do that they won't move out they get married then they just stay in or don't get married yet


ya but that's that's FIRE how can one achieve financial independence ya that's a very scammy scammy term, , do you want to invest in property,


I don't know if it's bad but I feel like I I I've given up the idea of retiring like, for real like no job do nothing but garden like I don't think it's possible


ya unless you like go to thailand you know buy a house and uh and uh like a field and then likes feed yourself and then, duplicate the money that you have right because of like currency if not I really don't feel like I can retire here but how do you manage your CPF savings have you checked your CPF statements


yes , because you've had you've had money from NICE from buddies luge buddies also right


ya cause you work there the longest


ya that's true yeah,


they don't care enough they're not motivated to care enough yeah, I think maximise savings is like don't be reliant on one line of income that's what I read somewhere therefore like you should diversify !woo! big words diversify like you let's say you earn you have singapore bonds then you freelance then you have a full time


ya correct then you add money yourself for CPF but you also have blah blah blah and then you maybe have property you know like people who care about that for example like I don't but like, you should never have like oh I have enough in my CPF to retire I'm not going to lah for real


yeah, , uh yeah what advice would you give someone in order to reduce their income tax, I, to to like one small statement is hire a professional I I really feel like I think I think I'm not smart enough ya


yeah yeah and then right I would hire some financial person who has many years and not my friend like I you know like your friend goes into it and then I'm like you just started like three months ago how how much can you know more than me you know after googling for five hours


same thing but CPF right what you say was right eh because I realised like I was uh jamie asked me how much I have then I'm like I got a lot and then and then I showed on my phone then he was so surprised because ya we, started working at like what sixteen right seventeen yeah then he was like oh my god and then his just like close to nothing because it's just individual like you know how much you want to put in right ya correct


yeah, no which means he has a lot of assets not in CPF ya so he he feeds on a pot of gold lah, ya true true but his his all his gold is hidden he never touch any of it


ya he's a how do you invest your money to accumulate wealth and planning for your retirement ya ya what strategies would you recommend someone planning for their big ticket expenditure oh that's nice


how many freelance jobs do I need


uh we hang out with the boys to celebrate our birthdays together and then so so adult like all of us were looking at like flat prices because #yi feng# just applied for his first BTO with his girlfriend and then uh which will come in six years


and then uh adam adam is thirty five next year and he's thinking of obviously moving out when he can afford it and he and then he he said that what he's going to do is, find the interior designer he wants and then like uh do a mood board for fun like they have a nominal fee cause they want you to do that and then pay that nominal fee get the interior design money right and then they tell you this will take like seventy K then he's like okay now he knows


yeah then pay that fee with, to the interior designer but like don't have the house yet lah yeah yeah no floor plans and anything but like ya that's that's a good way I was like oh ya I didn't think about that, yeah


how to get there like me I'd to break it down to small pieces then I can bite, how do you manage your cash flow how much your incomes uh savings expenses insurance investment oh oh sorry ya ya ya I see first


is a long line I got attracted, yeah it's a rainy day fun for the cats


and then take it up same


what yours is it shopping food,


and then I keep my gardening things to under fifty dollars so that can be a million seeds


or like you know like or one plant because ya I think like I know people who don't spend anything on gardening because they make their own compost and everything and I'm very like you can really spend nothing and like swap plants yeah but I think I think for me I do eighty twenty


uh, and on on on in COVID when I'm out I do sixty forty, so I save sixty and I spend forty, but now in COVID you really can ah no no EZ link charge I'm working from home


but my snacking is not a necessity ,


yeah true it's still it's still good things that we are able to, enjoy even though we're staying at home most of the time, what can you do to earn extra income I've wanted to do fibre for a long time that's my short answer


negative experience in your life, describe a time when you feel like nobody cares for you I have straight up the first


one in it's always secondary school like, ya I think like the one that you already know about was when uh when they were supposed to let me know that we were all going out after class for, you know that time right right after right before the right after the


examinations then you just got a few days to do nothing in class ya ya ya they were all going out to watch movies and then everyone was changing in the toilets you know how like teenagers like to change and then like !woo! we're going out and then ya and then she said oh I didn't tell you oh let's come, along ah


the disappointment and the realisation that you mean nothing to someone is is great is great yeah


it literally took graduation era for me to realise, when you're in poly right ya lah as in when you were first year in poly


they never even asked they just assume you didn't want to come it's not weird is is people do that shit I I really feel like people are like that


there's quite a lot of them agree to this let's just not yeah don't tell let her know is over it


I don't know if I remember wrongly but someone on your friend said that we invite you but you also never come anyway like, ya because we need to work part time we are a bit different from you would like


ya pockets of friends so jamie says it's about me also like why do we have so many friends


all they do it for you most heartbreaking moments of my life, that I can share on this call


I think the first the most recent maybe like heartbreaking moment was, when back in twenty seventeen when uh, #kan chee# acted surprise that I would leave if she doesn't get me a full time job


that was a very heartbreaking talk that we had, and I remember it so much I wrote a note on my phone about what she said and I don't want to see that note again until like some kind of day then I just feel like opening it cause I know what to search but


that's true that's true and then she said like , if I continue as a intern what would be the repercussion then I said I would have to leave because I need a full time job like I need money and then and then she said oh you should have told me earlier


yeah and then like the the most heartbreaking thing because like the worst part is right the the comparison to the rest of the team how they react when they know that I may leave you know like the care and concern, and then #kan chee# is just scared for herself, because she will need to do all the work and I can't I ya that's just bullshit what happens if you're leaving correct


cause you are worth it


she was concerned about uh doing all the work herself, she asked me to stay but it's because she wants me just like to do her work it's different yeah


you, yeah Guli ya


two days after you paid the bill he was supposed to be on uh monitoring and then, two hours before you all are supposed to leave the house to go and get him I was going to stay in you and papa were going to go and get the cab


getting ready to ya, oh got a bus already, yeah then you all brought him back in the cab instead of, yeah, in a box instead of the carrier yeah, that's right


nothing prepares you for that man, no we were ready for him to come back blind


and because you were also there as in you were going to the visits ya exactly, eh the funny story comes to mind so I'm trying not to think about it


yes my favourite my favourite, you are not that important


at that point in time you were not talking bad about her, is criticisms based on your actual behaviour so I'm sorry change


I'm trying not to talk about wendy the entire time so I chose another I I chose no as in I I chose another


moment where I hurt someone's feelings it was aubrey it was beginning of this year when she wouldn't shut up, about how stressed she was and she was being yeah and then I had to tell her off like you are, just self pitying you are paid for this this is within scope you can't complain about your responsibilities none of us are working less hard than you to be honest more some of the people are working harder than her her job like


objectively I felt like ya then I had to like I on this court we were gaming then I said then I said can I just be very frank with, you as a friend I don't like it's good that you only tell me these things but I feel like because I know brakeley and everything about you I I can safely say that I don't feel like you're


performing I just told her and people have been talking about it and I don't want you to feel like you didn't know this you get by incited but people are waiting for you to perform and and they don't feel like you are, and then she said who and then I said okay jay cheryl yan sophia ya then then then she then she then like


quiet ah two days after and then obviously she was very like hurt but in a positive way like no one would tell her that lah like ya she's actually trying to process it but I'm pretty sure she's like she oh initially felt like who you who are you to tell me these you know like I'm not her superior


yeah yeah her boss also too nice yeah she really wasn't performing ah yeah


!wow!, I really don't say hurtful things eh uh only to you when I yell at you when we do tuition, oh, oh maggage it's all coming back to me


ya pick pick a flower


at one go, eh you told me before after you broke up you told me like there was one big fight


there's no way to come out of this alive


you asked a question though like and he couldn't answer it that's the base is


and know who you're with if you know you were were sensitive unfortunately for you you need to know who you talking to what


like I talk to you different I talk to papa different I talk to mama different and all like you know, if you're worth it you would be able to talk to someone how they want to be talked to


then as for me for me the uh hurtful words, that I want to forget, uh I mean there's so many lah obviously but a, petty one and I guess like uh a one that stuck with me for an unnecessary long amount of time was I was in sec two uh from sec one I


yeah really really I can pick so many from secondary school so sec one I was in don't know which class and then I got better you know like you will go if you performed well then you do to uh so I went to the smartest class in sec two and then I was, greeted with this bad person his name is #jae ho#


and then uh uh sorry ya he's a korean guy I forgot his name uh we call him JJ for short and then he asked me, I was finding then I said hi I'm I'm siti then he then he say uh oh which class were you from cause everyone in class was the same except three people


so two people and then me then he's like oh this class then he said !huh! how come you you don't uh I think I did well and then he then he say uh then he then he looked around then he say oh not cause like all of malay people they put in one class meh, so at in sec one we were all uh from different classes Munirah was the smartest class what class what class what class then I then doubted myself


did fairfield put me in the smartest class because it's easier to have all the malay kids here therefore timetable is easier to make or did I deserve this place, because like and it's just it imposter syndrome stick with me for the whole thing cause I go into triple science but didn't feel like I deserved it and then like JC was a slap in my face you didn't do well you know like it's


ya it !wah! that I don't know if he ever will know how much that hurt me will never know ya like the imposter syndrome started from there ah like I think I did well but like maybe it's just because I'm malay cause they want to put us all together in one class ya it was ah


bullshit such a horrific thing to say to someone, yeah he was a bad person like everyone didn't like him it's not just me he hurt everyone rather


oh go for it


children like below the ages of sixteen, on a place that's hidden to your parents to not teach you


it's who consumes your content


and the value that it brings to them because they are very young right you know what I mean like the the the value they put to the view count, it's it's a it's a good topic cause like on tiktok also I get very upset when people say they don't care about their personal data


like you know they're like oh tiktok china has access to it let's say I don't care it doesn't matter I don't have anything to hide anyway that is giving up your rights, of I don't have anything to hide anyway that's great morally but but having someone having someone say that like I have nothing to hide anyway what's there to hide


like what you so afraid of that's not the point the point is that cambridge analytica can use to swing votes the point is tiktok could use to let's say change the price of health care like that let's say like all these things to do research on aging like there's there's uh like a, ridiculous amount of use cases and then people would just say that I'm like just google for five minutes what you can use with uh the personal data it's simple it's very simple


you see it's too late already , tiktok has been very clear ah how much they can use your data that's uh that's why US and australia backed out and india


yeah name and, point like #wen hao# and adam they were like cause like #yi feng# #yi feng# was the one who brought it up I didn't bring it up then he said like are you going to stop using tiktok now send the link and then they were like a'ah nothing to hide anyway, all the


you should have correct it's like saying unlock my door I have nothing to hide anyway possibilities that you're opening yourself to is like why would you do that, teach yourself the rights that you should not give it don't give up your rights


ya because they just don't want responsibility for something that they should hold responsibility for which is their data


you're too old to make these mistakes for me it looks like


yes I know this but I don't know which like okay you talking about her her behaviour in general lah, it's like uncle Yusoff to papa is like uncle Yusoff to papa that time when he ignored him for like two months so you're talking to her and she just keeps quiet


she shuts down that's how she reacts


and what did you do to deserve that you know what I mean


and this is how she reacted so, unequivalent if you can't remember what you did right means it's not something that was yeah, one time remember that time when she always does that she shuts down ah


oh people kinda does that on holidays , yeah but it's a bit yeah correct cause she's a bit impatient but like it's kinda annoying on a day to day basis


it's just her behaviour you remember, so unacceptable twenty seconds on the clock uh an incident that makes you feel angry despite happening


long time ago I can't think of anything in ten in within seconds let me think of something any salon , that's that's makes me upset as hell


yup, positive experience in your life, okay what are small things that always made you smile lukman is not a small thing it's a very big thing


, , flowers the blue sky


you know where else the sky is nice in california where the raging fires are, exactly that's true nice guy but not nice situation,


yeah , , yeah , we can use the still dying as our sad thing later, yeah uh, uh things that has makes me smile is when nala decides to sit near to me for once in my life uh that that that that that's a highlight of my day always


and if she meows without us asking for it, it's like optimal experience , ya she initiates conversation, all the sacrifices you've made that's


worth everything, uh the first thing that came to my mind was uh not going to JC and going to poly instead I think like my L one R five I could have


but I didn't get in I wouldn't get into ACJC I'm very one track mind sometimes and then like I knew I wouldn't get in there then I was like I don't want to go JJ I don't want to go innova I don't want to go Temasek I don't want to go any of them, so like that's I think that's the most religious moment I've ever had because I really feel like that was a good thing that I didn't do like single digit for L one R five ah cause that was a great time poly is the best time of my life


, , !wah! I know I don't know it's so gross


it's a grass you're back for luge,


yes the Guli'S last surgery before he passed, !aww!, where were you working in luge that was luge it was worth ya


correct, ya ya, ya, !wah! that's a that's a crazy memory, shout out to guli one time, rest in peace


okay let's go uh, I say that westworld's my favourite of all time but I really feel like it's because like it's the most challenging and I really like like smart shows but I think the most enjoyable is supernatural always that shit you grow up on


I walked past the sam and dean book like a supernatural book in Kino the other day I no in the library the other day I cannot stop laughing then I'm like I want this


for real best movie that is good though good choice


yeah pre parasite okay we know about him before parasite then we watch host after cause we were just like going after all his content, host no we watched it a long time ago because when we watched it on netflix with with like I was telling mama like we've watched this before then she also remembered it yeah


!wah! best movie ah shit I don't have one but within harry potter, that's good why why you why


the I I'm a magician let me show you a magic trick, , oh, I never know I dark knight dark knight and and, is it dark knight arises I think is the knight raises not dark night yeah is the is the first heath ledger movie


who are you do you are you even a fan


oh partner as in I thought it was like you, three things are going uh, a a mom and a dad , yes right three things we have in common I don't think this is fun question though


yeah and we both like like respect movies like respect movies and art ya I don't respect I don't respect I don't know how to appreciate like drawings and art like paintings but you yeah


creative things ya ya ya ya ya that's true , we both believe that aliens are real conspiracy theories for life what is one place you'd love to visit and why


I went to the zoo on tuesday that's always nice I really don't feel like it's as grand as it was as when we were kids I think the funding just went down but like ya ya ya ya uh I tell you later


empty one crying kid we could sit anywhere we want quite Shiok and, !huh! no no no only for members right I think no more already ya I think no more already but don't tell because jamie bought the tickets like if if he could if he know that he could have got it for free ya that's true ya cause he was looking for promotions


visit


we always end up there also actually even when we used to, go out all the way there and then back


then you might as well , next next both things that we places we visited this week three three things you're most grateful for in life


oh okay but I say you , what are three things you admire about your best friend or partner eh you you can let's not be me it can be your best friend who's your best friend, same I scarred for life


yeah !wah! I got so many things to say about bennie also let's all talk about bennie uh, ya I think like as the sister of the person who's actually the best friend to bennie I think like she's very sensitive or like empathetic empathic empathetic yeah she I think she takes in someone's pain


quite quite a lot, and this is just like from outside like noticing which makes her a very good listener and all that I assume lah ya and and like ya lah like you're going to miss this kind of energy you know like when she walks out of the room you kinda know that she's left yeah it's a very


yeah, the three things I admire about my actual partner he's


extreme doesn't take no for an answer or like doesn't take I don't know for an answer like he will ask and then it sounds like he is sounds angry because he's trying to understand it but he really like uh there's no shy in him


like he will ask and he will be humble about it and like I don't understand and then I still don't understand you know like yeah like that's the kind of student you want ah like you know that it of life I don't mean of like studies and then uh another thing is, uh his propensity to like


uh take in what I like, he's very open and we don't have a lot of like common like interests but but but he wants to experience everything which is so easy for me yeah, yeah that's the two things ah


oh okay third thing oh oh third thing third thing he's very bad at uh verbal communication but that means he's he shows his concern physically very well like he makes sure he like even when I sigh he will always like !huh! why like it like it's it's just a very surprising thing


that uh yeah and then like I never pick that up of people you know like and then like and then I realised that I also pick up when he sighs or something, yeah (hmm) you, wax lyrical


you can wax lyrical about lukman, yeah you said before ya ya ya he won't stop


no never you just told me he's he he does these things online also, yes correct yeah


he appears to be ,


I I feel like most male people are like that libras just the libras


uh choose which one you want next you can jump if you want, , ya you laughed way too hard at that no but it's funny but I'm laughing more at your laugh


that's true you go up just to show it to us eh


I was uh I was showing jamie the you know the scene in mulan where I have a name and it's a boy's name and then I almost said it line for line as the youtube was playing and jamie's face was like


just at me and then !wah! I I just like quietly sat down on the floor and laughed so hard eh never has this skill ever been used in my life that I know it line for line , Ping #ah chu# #ah chu# gesundheit


, it's my go to scene , cause we were watching the new mulan trailer and then it's not a it's not mushu it's a phoenix it's not a dragon it's a phoenix right ya ya ya then I was


oh I want to see the exact folk lor because people hate it and I and I want to know if it's, , which is which is whether they from near the ogre the wiggers


oh what was the best meal you've ever had and describe what, very nice I think that's me my highlight was when papa made the buttermilk chicken you know the soft fried chicken he put in the buttermilk overnight and then like when you eat it the next day holy


I don't know , thank god for genes honestly, I have very high like cholesterol intake every single day, you oh ya your #tau huay#


and egg tart , describe a time when you got appreciated for your hard work I'm like, never actually have ah have ah you want you you you got moment uh there was once


after a really bad week of back to back the artist team giving me bullshit, responses like either non responses or like scrap everything do this instead I managed to to pull everything through and then like sheryl was saying


in the group uh meeting we have on on wednesday she's saying how like she she she said like uh you can't tell but, Amira is really stressed you know like uh she's she's working very hard right now and then she said like uh so send her love you know like she's I don't she doesn't need any type of helps but she's doing fine but it's just that she's very stressed lah then like but you can't tell from her face then I was like


ah nice that's nice, she does she does sometimes she has also and I was then everyone take me underside leh, what happened, I cannot tell yeah it's the same people every time no no need to ask who


it's true you could be at home could be friends, ah yeah


having like when she finally says that right is different from when I say it you know what I mean like when your boss says that, did you as in like would you also


like uh , , so you no need to concern about half your face


you can you can there's no no one after twenty twenty will doubt you for wearing a mask, , uh memorable travel ya your vietnam trip, or Bali with your colleagues oh ya !duh!


, , ya my my first one came to my heart was like vietnam for you but yeah london obviously, you made me fall in love with vietnam and I have not been until you


so what do we enact ya ya ya ya ya, yeah when's the next date to visit and do absolutely


, , , oh let's walk through the streets but continue to do nothing


twenty seconds check uh my most memorable travel experience was my first new york trip lining up with afropunk and then it was two weeks after the charlottesville riot and I was definitely afraid but I went anyway and like words cannot describe ah


going by yourself (ppl) to a festival in a foreign country (ppl)


do you do you want to start first hello, , yeah let's just use the questions ah


do you have insurance or investment I don't really have, savings goals I'm not like you your excel sheets but uh I do put aside money that I don't see so I won't spend it and I also withdraw money so like cash is saved yeah


yeah, ya so like a piggy bank backup so like I don't like keep withdrawing or using my card, yeah, right yeah then I always ya then put it in in paylah instead of the DBS so like you don't use your paylah you know ya ya so where your DBS will be like almost nothing ya so you don't transfer back and forth so you don't keep spending


yes make it make it hard make it hard to withdraw money make it hard to to access the, card and everything ya, right , ya I always been doing that


ya ya physical piggy bank I don't know who who else has that these days honestly not many people ,


pivot table pivot table,


that will give me so much anxiety like I will not be able to sleep, at night like I, I I, yeah can I cannot completely the opposites ah I I can barely sleep at night


if I know if there's a red line or a red number somewhere out, there I I won't be able to sleep this this not how I will be able to function ya I wouldn't be able to function properly,


you're right eh I I don't know I don't know any other virgos out there do I, maybe maybe I know, maybe I know maybe I know, some uh virgos out there but does not


not not like you yeah , typical okay next question next question , !wah! what was I doing five years ago oh just just uh just graduate [orh] eh no year three year three


!wah! financial advice uh don't spend too much on , on lame streetwear things that you won't wear today


but I think that's okay lah is a ya is character development , ya character development


oh yeah, taking cab, oh ya cause you used to go out with, #yi feng# they all oh yeah


, ya I think I think cab, is too much, especially if it's at night


ya, it adds up, oh ya it was uber era


before marriage you want to go first since you know I think you are closer to that


yeah yeah, yeah, yeah


so you all pay for the cab lah like it's technically you are paying for the cab


so you split sixty forty ah , whose idea was it get the sixty percent whose idea to a'ah nah kay like nevermind scrap the idea,


because you are a virgo then you you you like right the, oh, !oho! okay okay okay remember he's always thinking about money also what that's just him he's always thinking he's always uh ya


yeah, ya ya ya ya, oh , alright uh next question, uh in a post COVID !huh! me, oh


before financial commitments before marriage I don't know but uh joint account are I, heard someone talking about uh just the other days I heard some was it a some youtube video that someone is talking about a joint account also like weird like just few days back and then ya it makes sense lor for like couples to have uh a joint account even before


before marriage or whatever the commitments they want to do because like as a team you you all would be spending the money anyway as if you all get married ya so, ya that's the ideal what to to at least spend the money together and not just like one person pay for everything or like one person manage everything ya doesn't work like that lah


yeah alright, ya oh , post post COVID world I feel like it's not even a post COVID yet you know what I mean like you still don't know when is this post COVID thing so it's very


, making in terms but like what I'm seeing is like, like everytime if I go, I go out to eat right or like I wait for Lukman especially cause he works in ION the expensive side right, people are still going into all those luxury brands and still going out with bags eh so like are we really in a in a in a recession I uh I don't know it you know what I mean like people are spending spending still but like


yeah, ya but I guess it's also


I don't know how uh recessions exactly work but I guess is like, it can't it would help eventually because like if people still spend ya ya so those people who are spending are already continue tos are continuing to spend so I guess that's not


ya but for me no lah but I'm just seeing everybody else spending you know I'm just buying small things like tea infusers and mugs and, mugs and tea that's all and tea yes is a whole set you know alright


everything yeah ya always hong kong


ya home cooked food is just it is different it's different okay, , okay


financial independence retire early what do you think financial independence I don't like this financial independence who would you know like all those scammers will always use this term financial independence, uh how can one achieve financial


yeah twenty five percent


oh, but that's five K lah


don't have , oh, just bare minimum lor


which which some people can some people can just not do not have any materialistic stuff, yeah


yeah how do you achieve achieve financial independence with a, you know


then you want to invest in gold, no no thanks, I don't know how do I achieve financial independence I don't know to me it's just breaking down like financial and you can if you can support yourself, that is financial independence to me like you know for support your own needs and your own wants that is financial independence to me


ya I don't think I can do nothing also yeah


live off your stuff live of your own stuff yeah


ya the other day I checked remember when I just got back my singpass pin got I mean I I don't know what I was uh expecting but I just like okay lor like I just saw it then like


luge was it uh ya luge was very long uh that was a lot I think probably contributed to a lot since I started very young yeah what advice would you, give someone in order to maximise their CPF savings for their retirement uh I also don't know but I will just say like


I guess is for if people like us like we started working so early like we had so many we had we had part time jobs you know like but some people don't have to worry about that you know so like how can you really


tell someone to manage or maximise their CPF savings at like sixteen years old you know and you get how to like a sixteen year olds won't know, yeah you know yeah, other than that I wouldn't I wouldn't know what else to say, to maximise


freelance then you put in the money yourself


investments yeah yeah, yeah, yeah, retirement is is next time then


skip this question ah , oh ya if you need it lor yeah, someone else studied many years for this so might as well you know


yeah yeah


I don't know also, sure, yeah sixteen


contributions, yeah, which means he should have been putting in more


right but then you know CPF is like your is like that hidden gold also what CPF, the magpie


oh we just said about it telegram just now , starting affect, what strategies will you recommend someone oh I guess is always like, like if you already had it if you already had it planned


like if you know you want these things you should already be thinking backwards like oh like not really thinking backwards like how to say ya like how many years ya how many years do you need to actually like yeah so it's like you already know when and then, then by when and then like you know like count count backwards to where you are now like how much should I be put how much effort should I put in put in


that one next time say


yeah


ya maximize his the time, yeah yeah right, just just thinking ahead like if you don't think ahead


then about these kind of things then you will never know cannot just anyhow yeah


what why why you skip question, but uh nevermind lah nevermind lah, it's it's okay how do you manage your cash flow how much of your income is allocated to savings expenses insurance investments, what we invest in our pets that's the investment


uh savings, I always put more than I , then I that I know that I need to in my savings first then when I get my yeah and then like slowly like if I realised that but now PayLah and PayNow they


will have a breakdown of like who, they they kind of have a breakdown, of like your spending also then yeah yeah sometimes they will prompt you also oh you spent more in this month than last month like the increment increment so I guess yeah so I guess like that is like kind of helping me now but I don't look at it too much also lah I just know that


I just need to buy like that one or two items to like make myself happy and I know that's it [orh] and like other small small items is is yes just just skip it list just a just a small bit yes


yeah, yeah yeah ya ya


yeah,


manage cash flow I just try not to feel so guilty with eating cause I feel like eating is a necessity you know and then just even if it's, even if it's no even if it's excessive eating ah I've grown to like, be okay with it you know like


at least not at least at least I'm full and blessed you know like food is just it's not temporary but it's you know it's still but like not like crazy buffets just like just like dessert you know


yes yeah, uh yeah that's right oh we have oh we have twenty seconds left, what what extra income fiverr oh ya I think ain is doing fiverr she has like a yeah she she dish oh two one


negative experience in your life


oh ya ya ya


ya ya ya ya ya


what a joke eh he was really a joke lah, I mean you would rather it, like be more obvious you know if not you ya ya if not if you will never see like the signs before that


actually I had the same same experience eh like with my secondary school friend so I said no secondary school friends also it's like, a'ah ya ya ya, when they like uh you know they went to that the defining moment is when they went to Bali where they all went to Bali and then they never ask me yet and then they created a separate group chat to go to Bali but then they just left me out in that chat literally everybody else was in that chat


went to Bali, it's very weird don't you think, like (oo) (oo) , yeah but it's like how can all, eight okay I don't know how many like how can everybody ya how can everybody collectively say you know what let's not


let's not like just ask, it's very it's so weird so weird, but then at that point of time I'm already like, too tired , ya I was way over it before that that happens so it's just like okay lor it is what it is you know


ah uh, yeah something like that lah, I it's just different wavelength lah I was just talking about it to to


to Lukman just now so he was like telling me that oh you actually have like a lot of groups of friends like different groups of friends, ya then I say, ya then I say but I don't, ya then I say but I don't hang out with them as often as he does with his one group of friend you know like one group of friends


yeah, yeah always together but it's like, you over time you just weed out the people who actually don't really care about you anyway, yeah, yeah exactly


talk about your heartbreaking moments, sure


this applies to the first question also she like just really didn't care lor


what a joke eh she's really a, she's a piece of work man she's really a piece of work, ya ya ya


ya ya ya, ya ya exactly, in comparison to my what my boss said to me yesterday also she was encouraging me yeah she was encouraging me to leave and encouraging me to stay so you know yeah so she


she she made it clear that that, that it would work out here but she knows there is I can do things elsewhere also you know ya and that, that's exactly what #kan chee# should have done like like you know and also made persuade yeah she should at least persuaded you to like work she should have work harder just that's that's as it she didn't work hard lah basically ya ya ya it's different circumstance ya she's


just a piece of work, heartbreaking moments, uh, uh was it Guli that we were excited to get him back, and then he just passed away oh was that who who there was eh


ya ya ya, ya ya ya, yeah we got the call when we just got off the bus


no we got off the bus at at the stop yeah it was me and papa, yeah, ya we brought him back in a box instead of a carrier yeah that was that was quite yeah it's quite heartbreaking


I mean we were all already foreseeing it I was like !wah! he's not, yeah but I also ya but uh in my mind I wasn't I wasn't so sure also how we would take care of him blind, yeah


I wasn't I wasn't very optimistic ya ya ya, we were we're going to bring him back like literally yeah, okay , describe a time when you hurt someone's feelings,


!wah! , oh I know remember that, very uh okay cannot use bad words but that lame uni friend that I had I told you , her name was Shaf and then she said that me and #yi bei# were talking behind her back do you remember


yes yes, but we all know that we did not that I, on oath did not talk bad about her, okay ya she's not normal but on oath I would say that I never said anything negative


but like she didn't understand that like, it was criticisms, it wasn't anything personal you know it's like criticisms of your, yes exactly my goodness my goodness yes but her feelings were hurt lah I mean but I also it's not that I don't take responsibility for how things played out I do it's just that


is, like did it really have to be this way you know what I mean like you didn't realise but I had do admit I'm her feelings were probably hurt lah but I can swear to you on my life and #yi bei's# life that we did not say what she thinks


oh ya we can just skip ya we can skip the question story oh okay, you can say (uh huh)


right


right right right


processing yeah, yeah also true but if non if it's not you who else you know who else would would say yeah


that's also true , alright what was some hurtful words someone said, to you that you wish to forget , some of hurtful words


what are some of the, hurtful words someone said no someone said to you eh that someone said to you that I that you wish to forget, , uh let me think maybe is my first ex


he, what did he say ah let me let me pick a word just a few things that he said, uh, I guess is like at towards the end of it don't know if you remember but he was like uh


saying like at, now it seems petty but your eighteen year old self you know it's different and then uh what did he say, yeah so he was I don't know what I was looking at and then I don't know what was happening anymore but I know that it's because he deleted a photo of us on his instagram it sounds so stupid now he deleted a photo of us on his instagram and then I asked him lah like why did you and then it's not just that one it was a few I think


then I just said, yeah then I just said and that's was even like a week or something yeah, yeah, ya and then and then I and then I I told and then I asked I just asked him lah like why do you delete all the photos then he say oh I just uh just wanted to wanted to clear my instagram feed wanted to make it look nicer then I was like I don't


ya then I just say I'm not buying this lah like ya there's no way I'm buying this and then so I just, I just told him lah like it doesn't uh make sense and then he try to pin it back on me and then he told me that I was being like again lah you know everything he's gaslighting lah saying that I'm too sensitive and then uh why am I even looking at his profile you know like why am I always like this like why am I always like


like picking at things when it wasn't my fault what like so basically he was just gaslighting me the whole time lah yeah so he would just, yeah he was just playing it yeah putting it all back on me so I do wish to forget that because like I don't know it did


ya I'm sensitive like like what about it you know, like at least I care and, yeah yeah, so that caused a lot of uh


yeah that's that's just extra, baggage that we don't need you know, yeah exactly, describe yeah


ya ya ya, yeah


ya ya ya, ya


ya ya ya ya ya ya


ya ya ya


yeah


no these people will never know, ya ya ya ya ya, yeah yeah


I don't think , !wah! this one could be fun this one


no, no wait popular trend that you dislike, oh I was going to say like kids on tiktok


that's that is, so dangerous children below consenting age below brain development, fully developed age ya I feel like it's so dangerous and if ya and it's not even about like you know freedom of choice or whatever anymore but it's like it's really dangerous it's not about like


you know like how, ya it's not about like you know how we always say we we must attack like we must blame the the the predator not the victim but now we must really protect the victim because this is too yeah this is this is the a totally different


different scenario so I don't really like tiktok yeah yeah, I think that that this whole trend needs to relax and like, people need to realise like how can four million people view your just one video how can four people view that that is so scary up to people not know how many how many people four million is that is almost as like the whole of singapore have seen your video you know that kind of thing that's crazy


ya ya ya, how are they processing all these kids can't process all these things but even I also cannot process all these things like


oh yeah, yeah


ya ya


yeah, as in like like you don't see like even like all these people said oh my I must see it then I believe it no like it's like, it's right there for you to see it no as in like it's right there for you to see if you choose to see it


then then, yeah, ya exactly I don't, !wah! they're using tiktok,


it's not about nothing to hide they're missing the point missing the point


ya as much as we we must like teach the, predators we must to some extent you know like yes no no yeah the consequences like what what what are you exposing yourself to and you must be able to take the responsibility of these consequences


you know yeah which is quite scary and very dangerous , oh I know okay that's a good one before the time ends what incident still makes you angry despite having it happened a long time ago kay so this happened in poly I don't know if you remember Hannan Hannan had this


thing where she will actively uh not talk to you oh my goodness, yeah there was this I don't know what's the context anymore but like


, oh no but like she's in my face eh like and she still just ignoring me yeah so I'll be like Hannan, where do you want to go like I forgot what is it but I remember it's like someone is waiting for us there shall we go there and then she's just like she's just like walking and ignoring me


how rude how rude you know like I've I've never had anyone, been so rude to me before and for a friend to be that rude, and


yeah I was just trying to get us to the to I was just trying to get us to point B you know like why are you mad at me I totally forgot what happened but I guess she was mad at me and the situation, but ya but like for you to just


exactly if I bring this up she might be embarrassed but I would like to bring it up , actually a lot of time she's always like that like last time she's really quite problematic yeah and then also like when we hang out in groups like one of her more toxic traits which I feel that maybe she should she has fixed lah definitely but it's like she will like


how to say I don't want to talk bad about it but it's just a observation is that like if we were in a bigger group right she will just like move on first from the group and then we will chase after her you know that kind of thing like we were walking and then she will like eh where's Hannan then we have to go to her you know like


just, say I want to go inside this store you know the eh for example then then we go inside the store, on a holiday is is different you know like this is like ya ya ya


ya but I remember that day I was so angry I don't even know what happened anymore that was like year one but I I still, ya I will still remember it to this day because like what was happening like did you I don't know, yeah so uh


unnecessary okay, uh a long time ago mama want , I know mama want to give away the chair,


(ppl), (ppl), (ppl)


positive experience in your life alright what are the small things that always make


small things that always make me smile, should not think of cheesy things oh, a nice nice nice sunset just now the sunset was nice it hasn't it hasn't been nice in a while small things ah when I see where


but, that's not nice to pick up that's not very nice yes, small another small thing oh when I see like uh snails or or insects on the floor


and then I like I like !woo! look I dodged you today but the next person will probably step on them you know ya that always make me smile, oh okay ya one of is uh ya that's true


, yes that's true that's true


yes yes yes, when she speaks to us first, yes she initiates the conversation


that's sacrifices you've made that's worth everything, uh


are we even related that you even considered JC it's quite disgusting to be honest, quite disgusting, I don't know [orh] me ah sacrifices that I've made that's worth everything nothing came into mind eh


uh oh I know uh I know I know no no no, must be is is a positive thing but it's also sad I spent my last, few bucks, on Guli'S surgery you remember or not I contributed quite a lot


yeah , ya ya ya ya ya that was that was my last few savings that one was luge yeah ya that one was luge but that's that is quite positive like I had enough to


I had enough to pay for something so big you know yeah so I guess that's positive, that's right okay shout out to guli one time rest in peace


uh describe the best movie TV show you've ever seen and what you like about it kay you go first you go first


oh ya ya ya you're right ya ya ya that's true, ,


describe the best oh movies I always say snowpiercer always say ya because like, yeah one of a yeah I think is, it was like, like when we've when we watched it together we also didn't know what what to expect what to expect then had good reviews and then uh and then the movie were like


yeah and then then the is that that korean director, #kim jong boon#, yeah yeah where, yeah ya that was when uh no, host we watched on netflix what no meh


oh ya then we watch on netflix oh ya ya ya right uh ya then I'll always say snowpiercer


oh sorry sorry best movie is batman begins, the pencil Pak that's the one batman begins right


that one batman begins right yeah, eh oh then dark knight, I'm sorry it's dark night oh my god who am I, it's dark night, no it's dark knight it's it's dark knight, yeah it's dark knight


how did I even say batman begins who am I is it ah okay what are the three things that you have in common with your best friend or partner you go first, best friend or partner partner as in


oh okay we can say that if we have in do what do we have in common, we are blessed to have both parents


cons ya we like film and arts


no but like like as in like lifestyle uh like, creative things ya art as in creative, things uh one more thing uh oh ya


conspiracy theories for life, uh kay , , places in singapore


oh ya , really it wasn't busy right cause weekday right quite quite Shiok [orh] and then birthdays


still don't have don't need to pay right cause it's your birthday, really meh oh last time is your if your birthday is free ah oh, no he confirm would have known if it's free


uh me, , like to visit , rochor beancurd ah #tau huay# always


it's always #tau huay# , yeah, ya I just had it just now, ya no we went to eat at uh beauty world first then I wanted to go, to this crystal shop and then it was is at the Tekka place which is


near near the rochor there what then after we just walk to rochor, yeah yeah rochor beancurd yes yes awesome


uh , family just say family lah, okay, yeah okay same answer ah uh


oh, oh I don't really like this best friend thing also eh , uh what emotional baggage trauma


okay I'll say best friend first lah then I say partner, best friend , I guess I'll think of bennie first, admire her, creativity, her ,


her her lust for life, lust and her what's that word like very


full of love yes full of love and life, yeah , but , okay bennie bennie can be your best friend too


, oh yes yeah yeah


yeah she is, ya ya ya ya that's true yes her her aura, ya that's


bennie uh partner you go first


right, right


that's true, right yeah yeah, that's two eh that's not three


right yeah, oh ya ya Lukman does that also right


correct yeah, where, oh three things about Lukman is he very opinionated like he knows what he likes and what he doesn't like


like when like he's actually a keyboard warrior on facebook, like is he's he's a social justice warrior and then like sometimes it's quite scary because like he he actually ya he actually went, to to the to the content what's that word


the police station to to to write a, testimony about someone what cause someone called the police on a racist person and then he was the first one to post about it it told I told you right, oh I didn't tell you okay so he so so he


he reposted this person who posted a racist post, yes right and then he actually went in see see, his how how far his social justice warrior yeah so it's quite, scary but then also you know is good lah at least he he knows what's right and what's wrong his morals are


in check he's hardworking I I I I think he should be yeah because he's always very concerned about his job , he appears to be even though in pictures it looks fake but I think he is uh


three things, he's like, he's actually very caring but then he tries to prove that he's not you know that kind of thing, yeah he's actually a softy but he tries to prove that he is not a softy, libras libras


just the libras, alright next question oh I don't know you choose, just this morning at that swan video


way too hard and too long, I cannot I rewatched it two times before I went out to show you all and say look at this guy and this swan having a fight , that that was very too funny


yeah, because why why the swan like that just relax you know, just relax, I don't know


and is a boy's name , Ping uh ah, #ah chu# then what is it , #ah chu#


oh, ya ya is a phoenix you know that she's a witch right they made her a witch right uh like she has like powers you know this new mulan yeah she has powers, there's a lot of the whole movie is problematic the way they filmed uh the maid mulan herself the actress they filmed they filmed at the the place where there's that concentration camps there that province not I think is that one like the in that province


okay it's a sensitive topic let's go uh to the next question uh, describe oh oh best meal we ever had uh just now #tau huay# and egg tart


oh my god, ya ya ya, !wah!, how do we not gain weight, yeah


send you cake


who bully you, ya everybody's bullying you, it's true appreciated for your hard work, oh just oh like my my boss were taught telling me that I was too humble and my qualifications are too high for my job which is true


I think she was trying hard not to cry also, ah, yes now I mean yesterday just now yesterday, no I'm uh I was okay I was just like I never look at her lah you know I don't look at people when they talk


and lucky we're wearing masks if not worse, I think yeah isn't it so much better we should just be wearing masks like throughout, we'll see how next year


uh oh most memorable travel experiences, !duh! Kakak the plaque is right here , the plaque


oh ya ya but vietnam was so good !wah! vietnam was great vietnam was just, ya everything is just, everything is just eating and like just looking at each other just like, guys we are really here like we are doing


so what is the nothing that we are doing next you know like where where else can we go to do nothing ya let's sit beside the lake here and do nothing, let's go back to the airbnb and do nothing


damn Shiok sia do nothing, to do nothing we walk for two hours and then so what are we doing next nothing, you know oh


oh ya oh yeah, ah ya yeah oh ya oh ya we ended


finance okay so let's starts lah can start right okay ah I start first lah I start first, okay so the first what's the first question


do you have any habits of saving so first of all I have the habits of saving usually based on my experience when I get my salary or my pay right I will put like seventy per cent aside so I'll go by percentage lah and usually for me I will save first


then spend, so I will have like thirty per cent for me to spend and I feel that you know saving is not just about me getting all the money and then spend everything it's, to have some savings first and at least have a specific amount when you get your salary lah so that's what I feel how about you


yeah yeah yeah yeah


I have I have the same experience you know there's one time I wanted to buy a shirt okay I I went I went to uh vivocity and I look and look and look and look then I found the shirt that I like so I went to bugis arab street just to see is there any cheaper uh option


and then I realise okay maybe the vivo one I like it better it's cheaper so I went back all the way to vivo just to get the shirt oh my goodness so that's, how I spend lah I save lah like you know go all around singapore and find the cheapest thing


okay Ngam ah next question about the financial advice that you would give five years, ago, for me, personally


I have not thought about it but I have asked uh my mum about how she feel how how she felt sorry and then she said that she would, have invested on some things lah and I feel it's very good because, investment is


is something that young generations, would not see it immediately because, what uh singaporeans nowadays or young generation they like to see what's in front of them, so it's very difficult for us to to actually see what's in the future like


what, is going to happen with our money ten years down the road or twenty down the road because this investment goal is not just, your your the result of you investing will not be straightaway and that is what is the struggle of young singaporeans nowadays lah so what type of investments


I think most probably would be like stocks like the markets, how can we uh actually, benefit from them lah and, for young people to actually do it I don't think it's very easy because, from what my mum have said it's it's better to find people that have knowledge about it


and to actually find these people is, also not easy because you need to have trust and you need to know that the person will not cheat on you cheat on the money and as well, and then there's also some examples where this guy went bankrupt and then he because of his investment in the early stage he earned millions


so I I I think it's, a good advice, but if you were to ask me now if I would invest I also don't know what to invest cause I also don't understand how the stocks work and all, yeah so that's


that's one lah about the financial advice


(mmhmm) (mmhmm) good idea good idea, okay then it's okay Nah


one question okay the about the, financial commitments before and after marriage well we are not married that's the first thing, so, but based on like some interviews, they said that they will be able to save more before marriage because


now after marriage is very difficult because there's a lot of commitments you need to pay for transport you need pay for bills you need to pay for the education for the children and stuff like that, so , what is suggested and the advice is to have a purse to


set a realistic percentage for you to save so for example before marriage, it's easy for you when you get your pay you can save half of it, and then the other half you can do something else but now after marriage, you cannot save the same amount because you because of the commitments lah


so maybe you need to set a realistic amount or percentage maybe ten per cent of your salary you want you can save and then the other ninety per cent is for your spending your expenditure your commitments lah that is what the


advice that is being given uh for the financial commits before and after marriage


okay, nice plan nice plan I like I like very good, , again so next , about the post world COVID


post world COVID what are some of the changes I think quite simple is first, for me lah because err every year I would say I travel a lot , travel even to the simplest place as going to malaysia, so maybe one year I can travel up to three or four times in a year


so one of the biggest changes is of course travelling , and also , for my case my family we, save a lot on dining also because usually we saturday sunday we'll go out to have our family day have some dinner or lunch together and like you know movies and stuff like that


but now because of the COVID we can't do anything much lah so we save a lot and also because the government give us the six hundred dollars right right oh just a disclaimer I got three times, oh yeah yeah you see you see three times three time oh but your one too bad ah next year twenty one


oh ya the GST voucher right


now here's another question what is one way to earn some extra income for students, or people at your age I think, for me personally, one way is first to upgrade your skills because there are a lot of


ya the the additional pay ya ya ya so there's one I think is to upgrade your skills because nowadays there's a lot of, uh, softwares that you can learn online and then they will give you certs also but I see there are a lot of advertisements showing uh people teaching you how to learn


photography photoshop and all these, so maybe if at our age, if we were to put in some money and learn this kind of skills we can use it and also to, add into our portfolio or resume that okay we we have this additional skills that we have you know or maybe uh for some business side we know how to I don't know make or like coding help out with the marketing and all


so I think it's good correct correct it's a long term plan but nowadays at our age I don't know maybe it's just, we don't find it a rush yet I feel I feel because


it's like, there's still a lot of time I think yeah what do you think


yeah yeah okay got it got it okay this one let's, proof for FIRE, what do you think of FIRE okay so I think that it would be ideal because


financial independence is either you have a lot of savings or money is actually working for you right that's that is what the financial independence mean lah so, for example if I were to invest in buying a building right then I can rent it out to people your job is basically to collect the rent so it's like having the money come to you without you working or putting any hard work


so that is like , financial freedom but how to achieve financial freedom is, basically to think more of like outside the box getting your pay and saving a bit I would say it will not just work because it's


it's too, ah mainstream I guess and it's very difficult for you to see what's ahead in the future, so the best I would say again is you know to park your money somewhere and have some this thing to rock and roll lah basically and then to find an adviser a financial adviser but it's very difficult to contact ya ya as I said easily cheated and stuff like that


you know talking about that right , about the retirement cause sorry ya that's a aeroplane so , talking about the early retirement thing, uh because for retirement usually people can


take some money out from their CPF right and then some of, there's also a question about what are your thoughts about, CPF contribution and stuff like that and I feel that because every month you need to put in twenty per cent of your CPF correct from your salary and this actually is good because it helps you to


allow you to pay for your HDB housing and stuff like that, but then it is bad because the government now is controlling the retirement uh ceiling the age gap so uh previously it was fifty five years old right but now, uh because it has been shifted


to sixty five and now it's higher and higher again they do not allow you to draw the full amount and then, after retiring you cannot take all of the, money right, so it's uh very bending and then the there's also a minimum amount, required in the CPF so let's say you have two hundred thousand in


the CPF you only can take out uh thirty thousand, and then you would need to put like the rest, hundred and seventy thousand back inside your bank so I don't think, the thought on CPF contribution is


good or bad lah depends on, how you look at it because in the early stages where you need, ah money to pay your house it's good, but when you start getting old you need some money, it's difficult lah, especially with the government controlling your money


special account for why special account


see uh when should one plan to start what's start on uh planning big expenditures like starting a family, I would stay , I would say, once, for me I think once you get your first main job like first full time job uh we are when you start you know like


in the your company is, full time you get to have a base salary where you can start really planning for the future kay so I think that is one and also, they ask a lot of strategies for you not to